View Full Version : I might have to sell the 200. :(
As some of you know, I'm on the verge of moving away from Swindon, and going back to live at 'home', or Oldham, oop North.
So, I've started ringing around to get some insurance quotes, I was planning on keeping schtum about my moving until renewal time (February.), so have been getting quotes for when renewal time pops up..
Only turns out the place I've nigh on confirmed I'm going to live (with my mum :D ) is one of the highest private car insurance risk areas in the bloody country.. :(
Phoned HIC, who are renowned for good quotes for mod'd cars, by some of the people on the forum, so I thought "well, I could do a lot worse!.."
So I gave them a ring, and said.. Feb 03, I'll be 21, have 1 years NCB on the car, driving almost 2 years, etc.. OL2 post code..
Get this;
£6900 TPFT
£7800 FC
I could.. cry?
It's looking like I may have to sell up, come February. Which will not only leave me car-less, but well over my head in debt with loans etc, which paid for the car in the first place, with nothing to show for it but poor credit history.
****.
:o
Gutted! :(
Thats the highest quote I've ever heard of, probably about double the value of the car!
Try getting some more quotes, failing that...... cry!
I had alower quote of about £4k from my current insurers, whom I shall never use again, but I was expect HIC to better it, in all honesty.
I could probably sell the bits off the car, exhaust, and bits, etc. Return it to standard as best as possible.
I doubt I'd even get £2000 for the car, the suspension is wallowy at best (and was/is next on the 'to-do' list.) and it needs approx; £600/700 worth of bodyshop work (scratches, dents, stonechips, and where I took the paint off the corner of the nose on a stonewall :o )
So it just isn't viable to sell.
If I can't get any reasonable quotes, it'll be a case of seeing if my mum can get it insured with me as a named driver.
But if it comes to the worst, I'll just have to take it off the road and keep it somewhere as safe as I can. Maybe continue to work on it (an oppotunity to become a star amateur mechanic perhaps..) and just continue to fix things, like the suspension, et al. Until eventually I can afford to insure it.
Argh, just as I was beginning to find little encouragement about life again, I've worked out that I am probably capable of three jobs, a day job, an evening job, and a few night shifts at a petrol station or the like. But this just, throws.. things in the air.
B O L L O C K S.
:(
Using your mum's insurance is a good idea, it doesn't help build up the no claims bonus though.
Unless you buy a banger (1.0L or similar) to mantain your bonus, failing that if your mum has a car, you insure that and she can insure your car. Then you could both be name drivers? :confused:
Having three jobs sounds a bit extreme!
If you are to have the things you want, this is a life of extremes :)
Mum drives a 1.4 Rover 25. Which she's already said she won't let me near :D
Even if I were to have a 1.0 banger, I reckon it'd cost me similar to what I'm paying for the SX down here in the South.
Did I mention the £6900 quote was for me at 21 yrs old, with 1 yrs NCB?..
Ah, ****ing ****buckets.
:mad: :o :(
Jezz_S13
24-09-2002, 13:43
D try Footman James 0121 561 6250.
Originally posted by Jezz_S13
D try Footman James 0121 561 6250.
£3036 TPFT.
Jezz_S13
24-09-2002, 13:53
you owe me 4K :):D:D
Do you feel better now?
A little, yep. They tried to quote £8k FC first, though.
It's still unaffordable, though. So the future is still SX-less.
This is one of the only subjects that makes me feel better about being old. That kind of money is just silly, car insurance must be one of the only services that commercial companies provide that you are required to have by law. They have you over a barrel.
you have my sympathies mate.
Each year you pay a fortune for their service, and if you don't use the service the insurance company has your money in return for very little work. If you use the service you have paid for then they charge you twice by increasing your premium the following year:mad:
Get a mortgage for the car and live in it;)
Latest news; will have to find somewhere else to keep the car when it's off the road from February, as apparently mum has just had a new fence put up in the back yard.
Heh, How much does my life rock huh? :)
FYI, I'm paying just short of £2300 TPFT now. If I was to remain at the same address for renewal, my premium would be nearer £1100 TPFT.
I'd lie my arse off and say I still lived somewhere I didn't if I thought it'd get me anywhere. But knowing my considerable piss-poor luck, something would happen to the car whilst it was up North, I'd be found out, etc, etc. Not worth it, and I'm not a big fan of lying too much :)
Sigh.
**** D, :( Thats not good :( Feeling for you mate.
Dave
isn't it just cheaper to insure the car just plain third party?.. if it's only worth £2K, at worst you lost the £2K, and it's gonna be a lot cheaper that £3500 even if it was nicked!!
Then invest some time in installing isolation switches all over the car to stop the bas**ds nicking it.
I'm moving back to Oldham, home of fire bombs and it would appear, one hell of a car theft rate.
The price I have to pay for "going home", to try and start some form of new life, to try and eek a little happiness out of this stream of ****ty hands I seem to be dealt, is to give up my car for a year, then it's going to have to mean just that.
I'll get mum to ring up her insurance company and see if they'd insure it in her name with me as a named driver. It's looking like my last chance.
Am I right in thinking my one years NCB will remain valid for.. is it 6 years? Orrrr...?
Jezz_S13
24-09-2002, 14:29
2 years.
I thought 6 was a bit too high, heh. Ta Jezz. :)
Holmes14a
24-09-2002, 14:33
I got my insurance with AXA, give them a go or possibly A-quote. The B**tards out there will try and screw as much cash out of you as poss due to your age and the car. Has your car got a Cat 1 or Tracker? It could bring it down a bit, maybe even hire a garage. Failing that, as you said remove the mods. Personally, I`d go down the mum as named driver route. Worked for me when I had a Puma. Failing all else, buy a ****ter and save like crazy. When you`ve got a bit older and a handfull of no claims you can go and blow your cash on something really cool. I`m 26 and am paying about 1400 on my 99v S14A but I`ve got 5 yrs no-claims.
Good luck mate.;)
Got driving license = 15/06/01
Bought 200SX = 22/02/02
Aged 20.
I'll be 21, with 1yrs NCB come renewal time.
Car has various, possibly fatal-wound-inducing security devices... ;) (and a CAT2 imobiliser... :rolleyes: )
As far as I'd go with bull****ting the insurers, would be to say it was unmodified. Or at best, that the standard exhaust fell to bits (which it did do..) and I replaced it with a stainless single pipe because it was cheaper...
(the fact it's a Blitz NUR Spec, we'll neglect to mention..)
Going to see if they'll quote for the car in my mums name, with me as a named driver, now. Back shortly!..
Originally posted by D
Am I right in thinking my one years NCB will remain valid for.. is it 6 years? Orrrr...?
3 years I was told by my insurance co.
Couldn't face another phone call, so gave quotelinedirect.co.uk a bash, with the policy in my mothers name, with me as a named driver.
Just under £1900 TPFT.
I'm doomed.
What dyer get with Tesco?
Originally posted by Ant
What dyer get with Tesco?
One second..
~~
Other thought was I could still run it, but only as a track/airfield only car, would mean I could still make an arse of myself drifting. Which is some consolation, I guess.
Originally posted by Ant
What dyer get with Tesco?
With mother as the main driver, and me as a named driver;
£
The guy I spoke to sussed me completely. "This car's for yourself isn't it, Sir?" Busssssted ;)
Well, it's crunchtiiiiime..
Basically, if my mother is using her full NCB on the Rover (which she is.) she (I..) can't use the NCB on the 200SX.
So, if she uses 0 NCB on the 200SX, the premium is = £1761.90.
However, if she transfers her NCB from the Rover to the 200, the premium = £750.40
Hmm, somehow, I can't see her going for it :(
You do get 5% discount if you do it online which could shave off nearly a cupla hundred quid....
Also, try www.elephant.co.uk or www.confused.com
Best of luck mate :)
Well, surprisingly enough, she didn't shout when I told her of the NCB thingy ;)
What I want to know now, is... which company's offer 2nd car rates, using the same NCB? i.e. Where you insure 2 cars, and are able to use your full NCB for both?..
Many thanks.
Filmidget
24-09-2002, 15:25
Firebond don't use NCB on their policies (which may mean you lose yours?) - and you could try limited mileage?
ALSO I certainly respect your decision not just to drive around uninsured - good man!
Cheers, Phil
Phil, I will only get my 1 years NCB come the 22nd of February (How overenthusiastic am I for foreplanning huh? :D )
Limited mileage.. uhm.. have done.. almost 15,000 miles in 7 months... :eek:
Re: driving around uninsured, ain't gonna happen. However, if I am forced to take her off the road for a while, I withold my God given right, and fundamental human need to whip around the block once a week :(
Originally posted by Filmidget
ALSO I certainly respect your decision not just to drive around uninsured
And just to add, I've never even considered this, HOWEVER, I can now most certainly appreciate, and wholeheartedly understand why some people do choose to run said gauntlet.
:(
kevin_s14
24-09-2002, 16:42
have you tried the club insurance??
GREENLIGHT INSURANCE 0870 7535455 OR WWW.GREENLIGHT-INSURANCE.CO.UK
or the FLUX??
shadowninja
24-09-2002, 16:43
i just got a quote for my tvr... most averaged out at £1600... this one was 819!!! 100 cheaper than my renewal premium at my current company...
Phone Bell Direct 0800 140 180, pay by credit card and ask for 10 months instead of 12 months too, to save a bit more cash... good luck...
My insurance for a highly modded 200 s13 fully comp is just £536 with Adrian Flux! :eek:
GIVE EM A CALL!!! AND TELL THEM YOU ARE A MEMBER OF THE OWNERS CLUB:D
Greenlight wouldn't even quote. "How old are you sir?" "20, but I'd like a quote for when I'm 21, as a guideline". "You have to be 21, Sir" "I know, but a guideline would be nice"..
He wouldn't even quote, but gave me a rough idea of "£2500ish".. then tried to give me the usual "It's because of your age, and the car you drive" routine. Bleh.
Stuuuueyyyyy, but... are you (or will be come renewal time!) 21, 1yrs NCB, living in "Beirut without the sunshine"? ;)
Will give Flux a go in the morning, I'm goin' to bed most likely. Wake up, and this'll have been some awful nightmare, yaaaaaaaaay. (Childish optimism.. this.. is.. what.. you have reduced me to, Mr.. SX... ngyargh...)
Chris_Lacey
24-09-2002, 17:04
D, for god sake be imaginative...
Pay someone you know on the board a couple hundred quid to say that you live at theirs in the week or something, get it insured for the SW or somewhere low rated and then if your car gets nicked say that you were visiting your mam. You keep your car, and save a few grand.
PhilMorrison
24-09-2002, 17:30
Originally posted by D
Limited mileage.. uhm.. have done.. almost 15,000 miles in 7 months... :eek:
by an apexi rev speed meter, or something similar with a mph/kmh readout, and disconnect the speedo cable for 7 months of the year :)
Up the flux!...:rolleyes:
FC - £9634
The guy said it really wasn't worth the bother to check out the TPFT price as it'd upwards of at least £7k.
Papa Lazarou
24-09-2002, 19:12
The mailing address idea is promising. I think students often do something along those lines... Only snag would be if in a claim they asked for proof of address. Don't know how much of a possibility that is. Then you could always get creative with a bank statement and a colour photocopier... Dodgy I know. Also don't know how much info the insurers can get from the DVLA computers.
Paul_S13
24-09-2002, 19:19
Goddamn those are some silly quotes :eek: :eek: :eek: I was paying £930 FC when I was 22 and had 2 years NCB, I reckon a limited milage policy is the way to go.
I'm trying to lead a good life here guys, thanks for the thoughts re: forging bank statements and the like, though ;)
Paul, it's just the area I guess. I should get angry on the phone perhaps, have a bash at them for dishing out huge risk zones on the area I was born, etc :D
Originally posted by fattyluvshotdogs
by an apexi rev speed meter, or something similar with a mph/kmh readout, and disconnect the speedo cable for 7 months of the year :)
Oooooh and how do I turn the clock back so it says 70k again? :rolleyes: :D
you'd need your licence to show the address you were proposing insurance from.... so the using someone elses address is out of the q unless you wana send your licence back to dvla - its actually an offence to drive without a current licence showing your correct address.
how modified is your motor D? i might be able to do something on it if its "reasonably" standard - cant promise anything tho!
i might well be able to swindle your mum some intro bonus (shh!) so she doesnt have to transfer the ncd from her rover.
give me a shout by pm if you're interested in a quote mate, ill return it with my work no - you can ring me moro and we'll see what the screen says!
D is it absolutely a must that you move away? it would seem the easiest and cheapest thing to do would be to stay in the area. couldnt you just make a freshish start instead? say, change job and live elsewhere but still in the local. i'd offer you a room here, but i think the little birdy likes her/our privacy toooo much.
I can't really afford to live anywhere else, John matey, and if all truth be told, the only things about the area I'll miss, are a) my Church, and b) Longwell meets :D
Sadly they're just not enough to keep me here. :-/
Arry, I've got a letter from Norris verifying that my car is no more than 195bhp, if that's any good? ;)
Shall fire off a pm right now, Sir. Remember, though renewal isn't until February, I'm just.. panicking now, to save stress then :D I'm just after an idea, as if I have to sell her, or similar. I'd rather know now, so I can start to sort things, rather than it be a last minute gasp at bodging some sort of arrangement. Gah! I make no sense :)
D you have pm
give me a shout tomorrow in the afternoon sometime and i'll run it through on the screen basing the quote on you being 21.. lets see what comes up
;)
just hope i can help!
If worse comes to the worse.. I'll simply have a year or two to.. make her perfect.. then when I can afford to get her back on the road... She'd be more wonderful than ever :)
However, the ability to drive the thing, would be nice :D
Arry, shall call tommorrow, matey! Many thanks!
Jibbs, :( too. But this is the way it has to be, I fear :(
Someone may have suggested this already, (I can't be arsed reading it all again).
Why not insure yourself on a scrabbly shopping trolley, re-register your 200 in somebody else's name, then you're covered third-party. If you want to be totally kosher, get the 200 insured in the "owner's" name as well. Doesn't matter where they live as long as it's cheap. Of course, if it gets nicked, they may not be too keen on making a claim....
Nasty scenario matey, I ain't got no NCB and am currently paying £1100 TPFT with Highway insurance (through budget), if that helps.
good luck and good on ya for skegging about now. Gives you a chance to find a decent (ish) quote. If one exists????
;)
crackdownuk
25-09-2002, 00:15
Originally posted by base56
Nasty scenario matey, I ain't got no NCB and am currently paying £1100 TPFT with Highway insurance (through budget), if that helps.
good luck and good on ya for skegging about now. Gives you a chance to find a decent (ish) quote. If one exists????
;)
how old are you mate any NCB????
D, my suggestion here would be dependant on u having close relatives, i.e. sisters or brothers.
My mother lives in Glasgow, is a high rated crime zone.
My sister lives in Livingston (25 miles away) its a low rated crime zone.
I stay with my sister...... obviuosly.......
All my insurance, tax and log stuff is registered in Livingston.
Now if i was through at my mothers and my car was stolen... so what, am i not allowed to visit my own mother?
And i havent changed my bank etc as its just too much hassle, better to pick up the mail from my mothers house once a week.
Are u following my drift mate?
Failing that, do a seatch of Turbo pete in the insurance section, he posted something about classic insurance..... seemed worth looking at if Arry cant sort u out.
Good luck mate
Kev
I tried Firebond Classic Insurance, with limited 5k miles. It came back with my CURRENT insurers, and still at nigh on three grand. :(
I'm going to live with my mother, Kev. Only relatives in the area is my aunt, who is in a M24 post code. I'll give it a bash today, I reckon. She's got a nice garage, too. :)
(Probably where the car would end up, if all else fails, incidentally!)
Just tried HIC again, but with keeping the car at my aunts house.. It's getting better..
£2800 TPFT.
Unbelievable how there is a £4k deficit for quite literally, ten minutes down the road!!! :eek:
Going to try that Footman James place again, whilst waiting for Arry to call back, think I confused the poor lass on the phone.. :D
Tescos, Insured in my name at M24, on top of a hill, garaged..
£2059 TPFT.
Betterrrrrrr...
Dilema is now, do I keep the car at my aunts, still have it insured in my name, and work on that 2nd years NCB.
Or, give the car to my mother, and become a named driver, miss out on a years NCB for the sake of a few hundred quid.
Hmm.
It's all so expensive :(
I'm very tempted to keep it off the road, just work my arse off on it, use it as a drift/track car. And occasionally... take it out for 3am drives and whisper sweet nothings to it...
But I'd miss it too muuuchhh..
Happy Christmas mother, have a car! B'ah!.. :(
The extra NCB will save you £hundreds anyway, best trying to get it insured yourself.
Originally posted by crackdownuk
how old are you mate any NCB????
Hiya crackdown matey, I'm 23 (24 in about 2 weeks) and I got no NCB. Been driving for 6 years but have never had my own policy until this year! fecking insurance................necessary but absolutely evil....er....EVIL!!!!
insurance is evil...
but if you ever have an accident (who me...:o ) you will be ever so glad to have it....excesses hurt your wallet too.
D, ur going to stay with ur aunt (well u know what i mean, the same way i stay with my sis) and build up ur ncb mate.
There is no way that ur losing 3rd place in the unlucky 2***** owners club mate.:( :p :D
And id defo limit the mileage to 5000 or under.
Never tried it personally but im sure u could "modify" ur speedo if u needed to.............. im sure someone like steve c would be able to help u out with that, or give me a couple of weeks and ill let u know.
Also its something i didnt think to mention on the flux thread, but when i made a claim in january, the actual insurers wanted £100 excess, and af wanted £350 on top of that:eek:
Funnily enough i just replied directly too the letter from the insurance company therefor not going through af for the pay out, and only lost £100.
Af really are crooks!!!
Kev
Ps. D give arthur brooke and son a call, they were most reasnable until this year when af beat them by £100.
I dont have their number to hand cos im a skiving student at uni just now, but ill track it down l8r if u cant get it from directories.
AshT_200
25-09-2002, 15:17
How would a 10 month policy be cheaper than a 12 month policy?
Say I got quoted 1000 for 10 months and 1200 for 12 months, then they would be the same over 12 months.
/me hugs his standard 200.
It's a good job you're not modified girl, or we'd be in trouble... :( ;)
:D
I will be doing less miles, not planning on working 30-35 miles away from where I live this time.. :rolleyes:
My current excess is over £500 :cool:
:rolleyes: :mad:
Least I know what I'm going to be in for now, need to work on getting that bloody credit card paid off so I can lump the insurance on there, now.. :)
Twisted thing is, that £2k is still £300 less what I'm paying this year.. so much for saying my insurance'll go down by over a grand, B'ah!
Beirut, here we coooooome! :D
Yey, ur keeping it then?
Good lad, ur place in the club was never in doubt mate:rolleyes: :D
I was going to keep it regardless, even if it meant keeping it covered up in a garage for a year. It sounds stupid, but I can't even afford to sell it ;)
Got a few months headstart on what I'm going to be up against though, which is a relief of sorts.
D
im on the case mate :)
just a thought - when does your mums rover come up for renewal? was thinkin of using her NCD on the sx with you as a named driver and then swindling her an "intro bonus" on the rover to replace the NCD thats been swapped over - if that makes any sense!!
also, having words with a few ppl to see if i can pull in some favours.... At least weve got until feb to look at it right?!
let me know when that rover's due up, then we might have a few more options
I'll find out and letcha know tommorrow, Arry. Thanks for all your help today! :)
£2k is probably do-able JUST, but it'd only be for the sake of 1years NCB. Hmm..
How much difference is there between 1 & 2 years NCB, in reality?
Originally posted by D
How much difference is there between 1 & 2 years NCB, in reality?
not a lot mate unfortunately... 1 year is (usually) 30%, 2 would be around 35%, 3 is 45% 4 is 50% 5 is 60% - these are just a rough idea - each company has different scales.
My brothers 22 and has a 15k st205 wrc celica 300 bhp and its a stinging 1675 quid FC, with 250 excess and he got 5 years ncd and he had a 5turbo for 5 years previous. Insurance is a nightmare for us youngsters. Just as well hes a computer programmer and fukin loaded. It dont matter much if your young what car you drive as they will sting you.
Originally posted by arry
not a lot mate unfortunately... 1 year is (usually) 30%, 2 would be around 35%, 3 is 45% 4 is 50% 5 is 60% - these are just a rough idea - each company has different scales.
Not unfortunately, mate..
If I can finish this year, then I've got my -30% for 1 or 2 years. Another 5% is nothing, really.. which means, it makes insuring it under mums name slightly viable again. Ish.
Although I would've liked 2 NCB, but beggars can't be choosers :)
bond_200
25-09-2002, 21:50
Building up your NCB is a must, once I had two years worth I bought my 200 and was paying 1300TPFT. On my 22nd bday i will have 4 years and my insurance will 550TPFT. Quite a difference. But, I would never pay over 2000 for insurance on a car probably worth less than that. U should have got a cheap runabout to build up your no claims originally, then got summat better.
oh well thats goodish then...
the intro discount im talking about is only applicable to drivers over 25... which is why i cant use an intro on the policy with you on it - which is a bit of a sh*t.
thats why id like to use the NCD from the rover and then apply the intro discount to that to replace it - with any luck you mums premium wont go up and we can get you a good deal on the sx
like i say - i will keep pluggin away for ya mate
Originally posted by bond_200
U should have got a cheap runabout to build up your no claims originally, then got summat better.
And make life easy? You gotsa be kiddin' ;)
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