Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26772
Insurance quotes....
I just got my renewal from NFU, its gone up from £660 last year to £837 this renewal, and that includes a £199.52 loyalty bonus! I have a £150 excess with NFU.
I have searched around a bit, and come up with £512.95 at Swift cover (£400 excess),
Sureterm quoted me £943
EDIT - Lancaster are coming in at over £1100
What prices are others getting? I am specifying 25k per annum, C1 business use, me and spouse to drive.
8th Nov 2010 10:40 am
DigitalJunior
Member Since: 22 Nov 2008
Location: Cumbria
Posts: 4401
Just got my renewal through and its £349 p.a. with business use, spouse etc
Member Since: 19 Nov 2006
Location: Oakley, Hampshire
Posts: 938
I'm with Tesco insurance - £650 and I'm living in one of the worst postcodes for crime in London.
8th Nov 2010 10:59 am
NIDisco3
Member Since: 28 Apr 2005
Location: Derry City
Posts: 610
NFU Here aswell....
5+ Yrs NCB
N.I Postcode
3 Points
55 Year old Male (Main Driver)
25 year old Male (Additional)
12k p/a
Additional Business Use
Ifor Williams horse box also included
£320
8th Nov 2010 11:17 am
AWD man
Member Since: 03 Jul 2009
Location: In Drag
Posts: 831
£550 odd with Tesco's (nicer area than iconix obviously )
5+ years NCB
spouse
both of us in late 30's57 RRS TDV8
BAS Map
D3: Gone but not forgotten
8th Nov 2010 11:22 am
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26772
I'm just playing around with the online quoting meerkats, and it would appear that it is my mileage that is affecting the quotations.
By repaeting the search with an annual miles estimate of just 5k, then I could get insurance from Budget for £368, with a £700 excess (£250 voluntary)
8th Nov 2010 11:28 am
NeilD
Member Since: 01 Dec 2008
Location: Sunny Surrey
Posts: 4845
Member Since: 11 May 2008
Location: UK
Posts: 6398
weird a lot of mates of mine report the same fact premium going up from previous years????
hoping to get around 600 this time around with 250 excess
8th Nov 2010 11:34 am
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26772
I am tempted to say my miles is much lower than the 25k that I originally specified. It does say "estimated" in the help prompt
As for where I was going, I work in the golf industry, so I am always going to the golf club, and my clubs are always in the car. That could always be argued as pleasure I suppose. Having said that, class1 does not seem to add much.
Does anybody specifically know what "Commercial Travelling" is?
8th Nov 2010 11:47 am
ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15263
Commercial travelling is when you use the vehicle for business use.
So if your travelling around the country on business - that's business use.
I've got same price as DJ at around £350 per annum on business use.
I'm through Livic but have to be a member of the CSMA
[I also get an IAM benefit]
btw my mileage is around 35k pa....... always on the road less travelled 🚧
Through RAC Insurance £260 Full Comprehensive protected No-Claims bonus, no business cover (don't need it).
Land Rover Insurance wanted £390 for the same cover.Run silent, run deep!! HM Submarines Conqueror, Churchill, Renown, Ocelot, Porpoise, Onslaught.
Oh Lord! send down a dove, with wings as sharp as razors.
To cut the throats of men, that sell bad beer to sailors.
VIN 138A476***
8th Nov 2010 12:10 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26772
Ron, I meant Commercial travelling as opposed to business use. It is an option on some policies. Since I posted, I have found a definition on a business forum:
If you want to be insured to drive your car for business use, you are going to need to make sure your policy is extended to Class One business vehicle insurance, which would normally mean your spouse would also be covered. If you plan on allow your staff to use the car then Class Two is required.
Class One and Two business vehicle insurance will cover you for most business use, with the exception of ‘commercial travelling’ This is defined as travelling from place to place in search of custom, but each insurance company will have its own exact definition. If you do need cover for commercial travelling your policy will have to be increased to Class Three. And as you’d probably expect the higher the classification, the higher the premium will be.
8th Nov 2010 12:15 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26772
Managed to negotiate NFU down to £647.69, with unlimited miles, and off road cover.
My postcode could be a bad one I suppose when compared with the wilds of Cumbria and North Yorkshire.
8th Nov 2010 3:14 pm
ticktock
Member Since: 29 Oct 2010
Location: uk
Posts: 48
2009 Disco GS with plus packs - Zurich Solutions - 1 year premium for Comprehensive Insurance, including c/car, legal etc, having been with them and left, returning, maximum no claims, 150 quid compulsory excess, nil voluntary - 114 quid! plus g/teed no claims protection.
Had to amend it to add 20" LR alloys - 10 quid extra.
Total cost 124 quid.
Schedule came thro' - all correct. Pricing glitch? Remote postcode with no crime - yes. Think it will be a difficult one to beat and not holding my breath at the next renewal.
8th Nov 2010 3:44 pm
ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15263
Glad you're sorted Gareth.
What I don't get though is that my price has been around the same for the last 5 years.
But my D3 has significantly reduced in value - so if insurance have to write it off it's going to cost them at least a quarter of what the price was when new!
So why am I still paying as much on insurance?
...... always on the road less travelled 🚧
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