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Insurance quote (good?)

Discussion in 'Motors' started by John_V85, 13 Jul 2006.

  1. John_V85

    Wise Guy

    Joined: 1 Dec 2002

    Posts: 1,147

    I have an insurance quote for my Mondeo 2.5 V6 ST24 from Admiral full comp (10 month bonus accelerator) for £700.

    I am 21 with 0NCB, and live in good rural area.

    Before I go ahead and book it, I just wanted to make sure this sounded reasonable. I have tried lots of other insurers from the list including Bell, Direct Line, Elephant, Norwich Union, Endsleigh, CIS, Tesco, and they are all much much more.
     
  2. roboffer

    Sgarrista

    Joined: 18 Oct 2002

    Posts: 9,599

    Location: Sunderland

    What a strange question...
     
  3. John_V85

    Wise Guy

    Joined: 1 Dec 2002

    Posts: 1,147

    What a strange answer...

    Just checking there wasn't other companies I should be checking, or that there wasn't some data I may have entered incorrectly which would lead to a higher than expected quote.

    If someone with experience said that it sounded expensive then I may spend more time looking around to check there's really nothing cheaper on offer.
     
    Last edited: 13 Jul 2006
  4. richyfingers

    Wise Guy

    Joined: 6 Feb 2006

    Posts: 1,684

    Location: Glasgow

    Seems like a decent enough quote to me.
     
  5. paradigm

    Caporegime

    Joined: 26 Aug 2003

    Posts: 36,714

    Location: Staffordshire

    Sounds reasonable to me too.
     
  6. roboffer

    Sgarrista

    Joined: 18 Oct 2002

    Posts: 9,599

    Location: Sunderland

    But you've only listed some of the insurers you have tried. Insurane is different for everyone. Try as many comanies as you can until you are sick of doing it.

    £700 doesnt sound a lot for your age with that car, with 0 ncb.
     
  7. Scuzi

    Man of Honour

    Joined: 18 Oct 2002

    Posts: 19,836

    Location: Екатеринбург

    Before you buy the insurance, put your parents on as named drivers. It shaved £100 off for me.
     
  8. John_V85

    Wise Guy

    Joined: 1 Dec 2002

    Posts: 1,147

    Forgot to mention that quote is with parents as named drivers.

    It's weird that you can add other drivers, tick the box to say that the drive another car on a regular basis, yet still get £100+ taken off your quote. It took about £150-200 for me with Admiral. However, with some other companies it would add on about that amount.
     
  9. paradigm

    Caporegime

    Joined: 26 Aug 2003

    Posts: 36,714

    Location: Staffordshire

    Added £200 to mine.
     
  10. Scuzi

    Man of Honour

    Joined: 18 Oct 2002

    Posts: 19,836

    Location: Екатеринбург

    Are you with Admiral/Elephant? It only seems to work with them.
     
  11. Oakesy2001uk

    Mobster

    Joined: 7 Sep 2005

    Posts: 3,312

    did that for me aswell! that looks a very cheap quote to me mate. you must live in a good postcode!
     
  12. olv

    Soldato

    Joined: 12 Jan 2005

    Posts: 5,282

    Location: london

    Depends on the insurer but with Admiral adding my parents always reduces the quote.
     
  13. paradigm

    Caporegime

    Joined: 26 Aug 2003

    Posts: 36,714

    Location: Staffordshire

    No, i'm with churchill. Just moving to Admiral/Elephant would double my quote, with or without parents added.
     
  14. Oakesy2001uk

    Mobster

    Joined: 7 Sep 2005

    Posts: 3,312

    thats strange, I have found admiral sillily cheaper than anyone else 3 years in a row now (with the rents added on) and thats when running quotes for LCR's elises, all sorts trying to work out what I could insure.
     
  15. paradigm

    Caporegime

    Joined: 26 Aug 2003

    Posts: 36,714

    Location: Staffordshire

    Its not particularly strange IMO, Admiral/Elephant, NUD, CIS, and most other insurers "young people" find to be cheap have always been stupidly expensive for me.

    The Tesco/Churchill/Nationwide/Lloyds TSB etc group have always been the cheapest for me. £600~ for renewal for my LCR with 3-points is about as good as I can be bothered to search for :)
     
  16. Sirrel Squirrel

    Sgarrista

    Joined: 5 Aug 2003

    Posts: 7,883

    Location: Essex

    I asked Admiral about adding my parents as named drivers but the quote went up so I took them off it.

    As for £700 thats a really good deal, last year when I was 19 with 2 years ncb I paid £800 for tpft with Admiral on a 1.6i Escort, so £700 for the ST24 is really good imo.
     
  17. Firestar_3x

    Caporegime

    Joined: 11 Mar 2005

    Posts: 30,512

    Location: Leafy Cheshire

    Strange enough its similar for me adding parents always pushes the price up, Direct Line are the cheapest for me.
     
  18. John_V85

    Wise Guy

    Joined: 1 Dec 2002

    Posts: 1,147

    I've talked to several people and it does seem to be really random who your best quote is with. The subtlest of detail changes vary the quotes of different insurers significantly.
     
  19. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,238

    I find Admiral are the best - I've used them for the last 3 years and nobody can come close, plus they are reasonable with modifications.
     
  20. NeilMick

    Wise Guy

    Joined: 30 May 2003

    Posts: 1,022

    Location: UK

    Fox, any idea how much Admiral/Elephant charge for say, replacing standard 17" alloys with aftermarket 18"s? :)