Insurance companies!!

Daaryl · 28-01-2015 10:37am #1

Can anybody explain this to me please.

Why do insurance companies make it so hard to get insured on older cars, Rang 4 places this morning trying to get insured on a car and they're all saying the car is too old it's 00 ffs:mad: And one place quoted me for 3500 which is a robbery not like it's anything fast it's only a altezza!

rant over.

MugMugs · 28-01-2015 10:39am

Daaryl wrote: »

it's only a altezza!

/Thread

Atlantic Dawn · 28-01-2015 10:41am

Lack of immobilizer as standard on the Altezza will make them run a mile.

Alanstrainor · 28-01-2015 10:44am

Problem here is it being an Altezza, not so much that it's old.

Daaryl · 28-01-2015 10:45am

Atlantic Dawn wrote: »

Lack of immobilizer as standard on the Altezza will make them run a mile.

It has a immobilizer, tracker and kill switch so no shortage of alarm ha

Atlantic Dawn · 28-01-2015 10:47am

Daaryl wrote: »

It has a immobilizer, tracker and kill switch so no shortage of alarm ha

There's some companies are only brokers for the larger one's so adopt a computer says no attitude.

Have you tried 123, I've insured older cars with them before.

Daaryl · 28-01-2015 10:49am

Atlantic Dawn wrote: »

There's some companies are only brokers for the larger one's so adopt a computer says no attitude.

Have you tried 123, I've insured older cars with them before.

Tried them and they're giving the excuse * JAP IMPORT * which is a bit stupid considering every car is imported..

Kopparberg Strawberry and Lime · 28-01-2015 10:55am

heres another one for you.

If your a 30 - 40 year old female , working as a nurse or secretary etc and drive a 02 - 06 Toyota Corolla your premium would actually be very high.

Why ? because so many fit this criteria its actually become high risk.

the toyota corolla is a high risk car because there are so many of them on the road so theres more probability of having an accident , just like the 2005 - onward ford focus

which is why it was cheaper for me to insure a 2.0T Volvo S80 than a Focus 1.6TDCi.

but in your case OP its because its an Altezza.

Daaryl · 28-01-2015 11:00am

Kopparberg Strawberry and Lime wrote: »

heres another one for you.

If your a 30 - 40 year old female , working as a nurse or secretary etc and drive a 02 - 06 Toyota Corolla your premium would actually be very high.

Why ? because so many fit this criteria its actually become high risk.

the toyota corolla is a high risk car because there are so many of them on the road so theres more probability of having an accident , just like the 2005 - onward ford focus

which is why it was cheaper for me to insure a 2.0T Volvo S80 than a Focus 1.6TDCi.

but in your case OP its because its an Altezza.

I know it's a car know for rings and that, But it don't mean everybody is going to be off doing rings..

Kopparberg Strawberry and Lime · 28-01-2015 11:06am

Daaryl wrote: »

I know it's a car know for rings and that, But it don't mean everybody is going to be off doing rings..

how old are you ?

Daaryl · 28-01-2015 11:07am

Kopparberg Strawberry and Lime wrote: »

how old are you ?

20, Which make it a little more impossible, Had one when i was 18 :pac:

Kopparberg Strawberry and Lime · 28-01-2015 11:09am

Daaryl wrote: »

20, Which make it a little more impossible, Had one when i was 18 :pac:

had a feeling alright,

you may stick it up on Donedeal at this stage im afraid.

otherwise 3500 is a very good price ! :pac:

Daaryl · 28-01-2015 11:10am

Kopparberg Strawberry and Lime wrote: »

had a feeling alright,

you may stick it up on Donedeal at this stage im afraid.

otherwise 3500 is a very good price ! :pac:

Or can insure a little corsa or something for cheap and use it 3rd party extension :pac:, But i'd rather have it fully insured

corktina · 28-01-2015 11:15am

Kopparberg Strawberry and Lime wrote: »

heres another one for you.

If your a 30 - 40 year old female , working as a nurse or secretary etc and drive a 02 - 06 Toyota Corolla your premium would actually be very high.

Why ? because so many fit this criteria its actually become high risk.

the toyota corolla is a high risk car because there are so many of them on the road so theres more probability of having an accident , just like the 2005 - onward ford focus

which is why it was cheaper for me to insure a 2.0T Volvo S80 than a Focus 1.6TDCi.

but in your case OP its because its an Altezza.

this is very true. Insurance on my Mondeo ST200 was very cheap becuase (my broker told me) it was so rare that there was no experience of claims on it. My son has it now, at age 25 and his insurance is very reasonable, even though he has just had a claim on his policy!

ec18 · 28-01-2015 11:16am

Daaryl wrote: »

Or can insure a little corsa or something for cheap and use it 3rd party extension :pac:, But i'd rather have it fully insured

isn't that illegal if both cars are in yours?

Daaryl · 28-01-2015 11:17am

ec18 wrote: »

isn't that illegal if both cars are in yours?

If the car is not in your name nothing can be done to you

Once it's NCT'd and taxed, Doesn't need to be insured

MugMugs · 28-01-2015 11:19am

ec18 wrote: »

isn't that illegal if both cars are in yours?

PArents / friends can be quite receptive of "gifts"

It's also seen as fraud and if caught can have serious consequences.

Kopparberg Strawberry and Lime · 28-01-2015 11:54am

Daaryl wrote: »

If the car is not in your name nothing can be done to you Once it's NCT'd and taxed, Doesn't need to be insured

I wouldnt be so sure of that one with some companies.

Some require the whole package or its void.

The other car must have valid NCT and Tax and some companies require it to have valid insurance in someone elses name or some companies dont require that

Daaryl · 28-01-2015 11:56am

Kopparberg Strawberry and Lime wrote: »

I wouldnt be so sure of that one with some companies.

Some require the whole package or its void.

The other car must have valid NCT and Tax and some companies require it to have valid insurance in someone elses name or some companies dont require that

Liberty and aviva do the no insurance on it once it's nct'd and taxed

StereoSound · 28-01-2015 12:00pm

3500 on insurance lol..Those were the days.

kippy · 28-01-2015 12:00pm

Daaryl wrote: »

Can anybody explain this to me please.

Why do insurance companies make it so hard to get insured on older cars, Rang 4 places this morning trying to get insured on a car and they're all saying the car is too old it's 00 ffs:mad: And one place quoted me for 3500 which is a robbery not like it's anything fast it's only a altezza!

rant over.

Welcome to the real world.

As unfortunate as it may sound many people have been in your boat.
If they cant get cheaper they have no choice but to pay it or, change their circumstances so that the quote is less, or they avoid the cost altogether.

I didnt own a car till I was 27, couldn't really afford to and didnt have the need really, managed to use public transport and hitch most places till I was 24 then was named driver on partners policy for a few years before getting my own.

28-01-2015 12:01pm

Daaryl wrote: »

If the car is not in your name nothing can be done to you Once it's NCT'd and taxed, Doesn't need to be insured

It depends on the clauses on the insurance certificate,
It may say that it has to be insured by another party.
I know mine definately says that i cant be the main driver of the other car.
Ig you have a tip, the insurance will sniff this out extremely quickly and will walk away.
Also isnt it illegal to have a car without an insurance disc displayed.

Its not the age of the car the insurance companys have problems with,
They dont want to insure 'boy racers'. The car is probably highly modified as well??
Ask them for a quote for a 00 1.4 golf or corolla and see if they come back saying its too old. If a car has an nct its legal and safe to drive on the roads.
If you cant get a quote from 5 in a row , legally go back to the first one and they have to quote you but it will probably be something stupid

Insurance companies!!

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