Omega Owners Forum
Chat Area => General Car Chat => Topic started by: tgm147 on 27 February 2012, 14:02:35
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Opening the post before and found a letter with my renewal documents in from Aviva. I was expecting it to go down. I was rather wrong. Aviva have decided they want £2478 for a year. After I'd cleaned up the tea I'd sprayed everywhere I went on the internet for a look around. I tried Aviva again first.
(http://i738.photobucket.com/albums/xx22/tgm147/Capture.jpg)
I will ring them up and speak to them about what else they can do to knock the price down a bit. Decided to try Go Compare too to see what they could do.
BWAHAHAHAHAHA
(http://i738.photobucket.com/albums/xx22/tgm147/Capture2.jpg)
At this rate (even with Aviva) the car will be going because I just can't afford to insure it. It's probably only worth about £1200 on a good day!
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thats rediculous money,a 17 year old hoodie wearing asbo lout would pay less i reckon!!
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:o :o :o
Whats making it so high?
age?
driving history?
location?
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That's ridiculous... I pay less than that for full trade coverage :o
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:o :o :o
Whats making it so high?
age?
driving history?
location?
I'm 20, 3 points from December 2009 when I was done for using a phone while driving despite showing the call log where it was obvious no calls were made or recieved and a non fault accident from March last year when it was hit while parked on the driveway by the numpty from next door. Location is pretty good. Pretty low crime statistics.
Oddly I'm not getting much less for 1.4 Corsa's. Think I'm just one of 'dem yoofull chavs dat got to show off to da babes in da street, innit.'
No wonder there's so many uninsured drivers on the roads, very few who just passed their test must be able to afford it. Got a mate that drives a 1.2 clit with no accidents or points and he's paying £2100 for it. AND he can't drive it between 11pm and 5am.
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something is wrong there, surely! :o :o
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Jeez !! Thought mine was steep at £400 ::)
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i only pay 1000 for 3 cars, thats the 3.0 mig elite, a toyota hilux surf 3.0 auto import, and a vectra 2.0 lpg, thats me and missis fully comp on all 3, all parked on driveway overnight too, through admiral multicar
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try direct line they was always the cheapest buy far for me when i was 20
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My nephew who is 21 and drives an 04 1.4 Megane pays almost £2000 a year and he's got no points and lives in a good area of Chester, its a rip off :'(
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Bloody Hell, look at the Excess costs as well :o
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are you sure that you didnt put your omega value at £12000 :P
but in all honesty they are bloody stupid prices and as you said no wonder so many uninsured drivers on the road even with a fine for no insurance you would get nowhere near them figures !!!!!!!!!! what are you swapping mig for then a unicycle? as it only has one wheel surely you can quarter them quotes ;D
have a look around at the quotes from people such as directline and others that are not on price comparison sites :y
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That's madness. My Daughter (23) only pays £376 fully comp on her Corsa 1.0, she only passed her test last year. £350 excess.
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Bloody Hell, look at the Excess costs as well :o
Considering the excess, the only thing you're insuring is the person you hit - you're not going to get anything back for your own car at all.. madness.
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Tried a few other companies now but not got to Direct Line yet and Aviva is still by far the cheapest.
I did have a play around with the excess amounts. With Aviva if I put the excess up to £500, the policy cost goes UP to £2500 a year, if I lower it to £150 (I think it was anyway) it also went to £2500. If I keep it at the standard £350 then the price stays down. How strange.
In all seriousness I looked at going back to the car I started in, a bottom of the range spec 1.0 Corsa C. It was still over £1900 a year.
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Utterly outrageous ........ :(
An open book review & overhaul of the Motor Insurance Industry is long ,long overdue , their wastage and non existant cost control is legendary.
I can only wish you good luck in your search for an acceptable premium . :y
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that's mental..... my 18 year old daughter has a 1.6 astra Mk4 , NO NCD at all, only had a license 5 months (at the start of policy in January) and she's only paying £1400
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Bloody Hell, look at the Excess costs as well :o
With an £850 (cost of a replacement car) excess for fully comp with no windscreen cover i can't see the point. Surely 3rd party only is better :-\
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Bloody Hell, look at the Excess costs as well :o
With an £850 (cost of a replacement car) excess for fully comp with no windscreen cover i can't see the point. Surely 3rd party only is better :-\
But that may well make no difference in the premium :-\ :-\
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Bloody Hell, look at the Excess costs as well :o
With an £850 (cost of a replacement car) excess for fully comp with no windscreen cover i can't see the point. Surely 3rd party only is better :-\
But that may well make no difference in the premium :-\ :-\
You'd be right. It knocked £85 off the Aviva premium.
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Blimey that's got to be wrong surely. It's no wonder there are so many people that simply flought the law nowadays and don't bother insuring at all. Not that I condone it, I've always paid my dues and would happily dob anyone in that I knew was avoiding insurance (or road tax). I suppose the insurance compnaies are basically saying "go away, we don't want the business" but how they can justify such a large premium baffles me, it must be three times the value of the car.
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Bloody Hell, look at the Excess costs as well :o
With an £850 (cost of a replacement car) excess for fully comp with no windscreen cover i can't see the point. Surely 3rd party only is better :-\
But that may well make no difference in the premium :-\ :-\
Heck, sometimes 3rd party is more expensive than FC!
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Blimey that's got to be wrong surely. It's no wonder there are so many people that simply flought the law nowadays and don't bother insuring at all. Not that I condone it, I've always paid my dues and would happily dob anyone in that I knew was avoiding insurance (or road tax). I suppose the insurance compnaies are basically saying "go away, we don't want the business" but how they can justify such a large premium baffles me, it must be three times the value of the car.
My interpretation of the situation is that motor insurance is a requirement of law and quite rightly policed accordingly. If you don't elect to purchase insurance then you will be caught ,fined and your license penalised , all very conveniently at the cost of the taxpayer .
The cost of administration and operation of the whole Insurance business is almost out of control with third party lawyers(4 U ) chasing the companies for every real or imaginary injury irrespective how small coupled with make believe repair costs done by garages in bed with the companies and parasite vehicle loan hirers who charge obscene rates for the dumb policy holder to boast to his friends and family that he got a new exectutive car loaned to him whilst his mediocre car was being repaired. ::)
Now just sit and think about it , is the Insurance company and more importantly the underwriters going to sit back and say " OK we'll take the hit whilst the others in the loop grow rich " ? WillTF, they'll ensure that their profit is maintained and allow the other pigs in the trough to carry on by simply increasing the premiums to cover it all , remember it is a legal requirement so YOU WILL have to buy insurance .
All in all a nice little earner all round ................ except for you and I.
As I said elsewhere the time has come for a Government Enquiry into the whole debacle , for instance in some European countries the injury of whiplash is not recognised and therefore not applicable in vehicle accidents under 15mph. How much would that save ?
Why do you need a brand new loan vehicle that is vastly superior in size and spec to your damaged one ? FFS when I started driving I'd have been delighted to have been given any car to allow me to get to work , by all means offer that luxury but offer a low cost option too.