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Better price on insurance?

Discussion in 'Motors' started by FL630, 21 Jun 2018.

  1. FL630

    Wise Guy

    Joined: 9 Dec 2014

    Posts: 1,299

    Location: East London

    Anyone able to point in the direction of a better company who may be able to help with my comically high insurance quotes? I'm looking at buying a Focus RS but insurance is coming in at around 1500-1600 per year. A bit of a joke! I live in a "high risk" part of London (historically high risk, now full of families and it's a good area), but I'm 29, 11 years no claims, low risk occupation etc, car is parked in a very secure car park with an alarm, 2 immobilisers and a dash cam.

    Tried all the common ones, Adrian Flux, Aviva, all of the compare the market ones and they're all incredibly high.

    Any other lesser known insurers who may specialise in higher risk cars?
  2. sigma


    Joined: 13 Nov 2006

    Posts: 18,727

    A-Plan, Greenlight, maybe Sky Insurance.
  3. Haze


    Joined: 10 Jan 2007

    Posts: 3,641

    Not likely to be a massive difference in price from Adrian flux, to Greenlight. Would suggest finding a less desirable car or moving house
  4. MooMoo444


    Joined: 4 Jul 2008

    Posts: 25,577

    Location: (''\(';.;')/'')

    Black box maybe? ;)

    I don't think you'll do much better, high risk car, high risk location, doesn't sound good.
  5. Sindri


    Joined: 7 Jul 2009

    Posts: 597

    Try brentacre. The online comparison sites were giving me quotes of around 1k but they sorted insurance for me on a similar car to yours for just under 600. My personal details are similar to yours regarding age, location etc.
  6. David Flett

    Wise Guy

    Joined: 14 Dec 2017

    Posts: 1,736

    Location: Aberdeenshire

    I insure with privilege, always been cheap for me. I had an Audi A4 for my first car and even they surprised me. had many others since and they have always came in cheapest
  7. David Flett

    Wise Guy

    Joined: 14 Dec 2017

    Posts: 1,736

    Location: Aberdeenshire

    Also add a named driver, depending on your age and the car it has reduced it even further for me , I put my dad as named driver for m last car and it dropped by £500, yet I had to take him off recently for my new car as it was cheaper having a couples policy and just my wife as named driver
  8. wedrum


    Joined: 11 Aug 2016

    Posts: 5,538

    Location: Cheshire

    direct line were the cheapest for me, and yes sometimes adding a family member reduces it.
  9. Glanza


    Joined: 13 Mar 2007

    Posts: 10,723

    Location: South Yorkshire

    Chris Knott, but you live in London and want a RS it's never going to be cheap.
  10. ShiWarrior


    Joined: 20 Oct 2002

    Posts: 21,866

    Location: Oxon

    tried comparison sites for an idea of a quote ? then call up some insurance companies from there

    i know i'm completely different but lately Money supermarket have been the cheapest for me, i found a quote with some xyz options on, then i rang them and got more benefits for basically nothing more to pay
  11. MichaelAwkward


    Joined: 22 Jul 2014

    Posts: 3,488

    Location: Oxon

    None of the general advice given here is really going to help you.

    As someone else said, get a different car or move.
  12. Dis86


    Joined: 23 Dec 2011

    Posts: 26,261

    Location: Northern England

    Or...suck it up! Also how do you know you have a low risk occupation? Those things are mysteries!
  13. Nasher


    Joined: 22 Nov 2006

    Posts: 19,581

    The specialist ones like Greenlight have limitations, like only up to 20k value and 15000 miles per year. But you do get better prices and terms than the big insurers.
  14. Scania


    Joined: 25 Nov 2004

    Posts: 24,641

    Location: On the road....


    I’m 47, a professional HGV driver with an accident free record and 14years NCB yet my tracker fitted £6500 e38 735i is still ~ £600 f/c with an agreed value and limited (7.5k p/a) miles. (its insured with Adrian Flux)

    All things considered I’d say the OP’s quote given his age, location and the type of car is more or less ballpark about right tbh.
  15. IC3


    Joined: 3 Dec 2011

    Posts: 9,465

    Focus RS screams boy racer, look at something else. :D :p
  16. Jamauk

    Wise Guy

    Joined: 16 Mar 2004

    Posts: 1,835

    Location: Oxford

    Considered a tracker? I have one on my Monaro & that took about £500 off the insurance when I activated it. I didn't have it installed, that was the previous owner, I think they cost around £500 to get installed and £143 a year, whilst the first year equals out any savings off the insurance every year thereafter will be a saving. Might be more of a saving with a Focus RS as they are one of the very stolen vehicles and so a tracker would certainly help in locating it.

    I'm insured with Elephant insurance on a multicar policy (Monaro VXR & Focus ST) who advised me to take other drivers off the policy (I always thought it would help having more on a policy), did that and got more savings.

    Any possibility of keeping it in a garage, even renting one? Although I suspect the cost of that would be more than the insurance saving, especially in London.
  17. FL630

    Wise Guy

    Joined: 9 Dec 2014

    Posts: 1,299

    Location: East London

    Thanks for the replies all. Yes moving house did pass by my thoughts, London is too bloody expensive! My flat has secure underground parking. In comparison to the average garage it's far more secure with all of it's cameras and security gates. A garage in London will set you back minimum £200 a month, so counter intuitive.

    Re low risk occupation, I have read around and my occupation lists as one of the best (and according to one site the absolute best) occupation to have for car insurance. Is there truth in this? Who knows, it is on the internet...

    I'll call all of the ones above that have been mentioned. Since starting this thread I've got Admiral to get me down to £1300, but they've told me a multi-car policy could help anywhere £100-£500 off. My parents are happy to help out here if the premium is reasonable, so this may help considerably. In addition the dealer has knocked another £15 a month off the car, which will help soften the blow a little on the insurance.

    Tracker, no way in hell I'd fit a black box, I wouldn't buy a Focus RS to drive like those boxes would want you to. However, a quick quote on Compare The Market shows a proper vehicle tracker (the stolen car type) doesn't touch the premium by more than a few quid per year.

    Insurance makes such little sense....
  18. theone8181


    Joined: 27 Mar 2013

    Posts: 5,068

    I don't think
    People meant a telemetrics box, just a standard tracker. Out of interest, what job do you do, could it be relocated somewhere cheaper?
  19. bainbridge


    Joined: 9 Dec 2009

    Posts: 4,018

    Location: Bristol

    Living in London can double premiums so £1300 for an rs sounds about right.

    If you want the car that much and moving isn't an option then I'd suck it up and pay.
  20. GSXRMovistar


    Joined: 6 Nov 2002

    Posts: 9,524

    Location: London UK

    Trying A-Pain (http://cherishedvehicleinsurance.co.uk) just renewed with them for both our Mustangs and they smashed all the other quotes we were getting including a large number of stupid 1000+ ones.