Insuring the Rocco

Sarah · Post by **Sarah** » Fri Aug 03, 2012 10:40 am

Hello,

It's that time when I have to renew my insurance.

Does anyone know of any Rocco friendly insurance companies that they can reccommend? baring in mind that I am 22 so im still considered a liability on the roads to all insurance companys everywhere! (no female driver jokes please

)

Thanks! Sarah

Cuprabob · Post by **Cuprabob** » Fri Aug 03, 2012 12:08 pm

I think it's just a case of going through all the comparison sites and trying to find which one is cheapest at this moment in time for your risk profile.

Unfortunately, what's cheap for one person isn't always cheap for someone else.

Gt12 · Post by **Gt12** » Fri Aug 03, 2012 12:58 pm

Well with 4 years nc, pass plus, aged 21 Churchill were 20% cheaper than the next cheapest - elephant for me.

Paralla · Post by **Paralla** » Fri Aug 03, 2012 2:14 pm

Mine is a joke because of my central London postcode. 7 years NCD, 40 years old and cost me £1200 for a TDi 170.

Comparison sites, brokers, direct. Shop around and try everything. I ended up with Admiral.

Post by **Kev** » Fri Aug 03, 2012 2:51 pm

I'm with Admiral too.

The main thing though is not to just let them self renew cos they'll rip you off. For the last 3 years I've had my renewal through then double checked it online with them and it's always £100+ cheaper for exactly the same deal. They always say oh well that's really for new customers but it just smacks of ripping you off.

This year is no different. The renewal for me was £420 but online is only £260 so I'll get on the phone at the weekend and get that sorted out.
Amazingly that means for the first time in years, my insurance has gone down!

voyager · Post by **voyager** » Fri Aug 03, 2012 3:08 pm

This year my renewal quote with Churchill for my 2009 2.0TSi was £325 fully comp inc protected NCB etc which was almost the same as last year. However, they had increased my excess from £350 to £600 which I considered to be a bit of a cheek so after a bit of shopping around I got the same cover with Hastings Direct for £280 with an excess of £150. I then contacted Churchill to tell them I wasn't renewing with them and explained why at which point they offered to equal the Hastings quote and excess; they seemed a bit put out when I declined, telling them that if they were able to meet the quote why didn't they quote it in the first instance and that to me that smacked of sharp practice and trying to fleece existing customers. The moral of the tale is to shop around every year whatever your renewal quote, you never know, you may pick up a bargain as all insurance companies are desperate for new business and with the interweb it's so easy.

Dimbit · Post by **Dimbit** » Fri Aug 03, 2012 4:04 pm

Totally agree with the above, but for me it's a simple 2 step, 15 minute process every year when I get the brazen bare-faced farcical renewal:
1) Visit comparison sites and note down best price
2) Call my current insurer (Adrian Flux) and tell them I'll give them that or nothing
They haven't said no yet.

Gt12 · Post by **Gt12** » Fri Aug 03, 2012 4:20 pm

Paralla wrote:Mine is a joke because of my central London postcode. 7 years NCD, 40 years old and cost me £1200 for a TDi 170.

Comparison sites, brokers, direct. Shop around and try everything. I ended up with Admiral.

Wow, that's a lot for 7 years N/C. £1450 on the petrol.

I've had to change every year, because insurance companies seem to offer 20-30% introductory discounts, then assume you won't shop around next year.

Sarah · Post by **Sarah** » Fri Aug 03, 2012 5:33 pm

Paralla wrote:Mine is a joke because of my central London postcode. 7 years NCD, 40 years old and cost me £1200 for a TDi 170.

Comparison sites, brokers, direct. Shop around and try everything. I ended up with Admiral.

Thats shocking!!!

carlpea · Post by **carlpea** » Fri Aug 03, 2012 5:34 pm

Admiral have been the cheapest for me for the past two years (Different cars).

Sarah · Post by **Sarah** » Fri Aug 03, 2012 5:45 pm

Thanks for all the replies.

i was hoping that there was some discounts for being a member of certain things as I have read that if you become part of a drivers club or something you can get offered discounts with particular insurance companies, but wasnt sure how true this was.

im currently with Diamond but unfortuately due to the fact they had to pay me a chunky cheque at the beginning of the year due to a write off accident they dont like me very much anymore. also means I only have 1 years NCB, plus points. not a good combo for insurance....

haven't sent me my renewal price yet but I'm sure i will be shocked even with the expectations of it been ridiculously high!! from looking around they wont currently insure me with an excess of anything less than £950

I have in the past haggled with the whole EUI clan (admiral/Diamond/Elephant) and its paid off, but not sure it will since the accident. going to be interesting and costly I think...

I am pretty sure that they just have a big hat in the middle of the office and pull out numbers every time someone asks for a quote, the quotes don't make logical sense.. for example apparently its £20 cheaper for me to be insured in september than it is in August... yeah, 'cos that makes sense. pffft.

S

Sarah · Post by **Sarah** » Fri Aug 03, 2012 5:48 pm

voyager wrote:This year my renewal quote with Churchill for my 2009 2.0TSi was £325 fully comp inc protected NCB etc which was almost the same as last year. However, they had increased my excess from £350 to £600 which I considered to be a bit of a cheek so after a bit of shopping around I got the same cover with Hastings Direct for £280 with an excess of £150. I then contacted Churchill to tell them I wasn't renewing with them and explained why at which point they offered to equal the Hastings quote and excess; they seemed a bit put out when I declined, telling them that if they were able to meet the quote why didn't they quote it in the first instance and that to me that smacked of sharp practice and trying to fleece existing customers. The moral of the tale is to shop around every year whatever your renewal quote, you never know, you may pick up a bargain as all insurance companies are desperate for new business and with the interweb it's so easy.

I can only dream of seeing such quotes. lol

yea i think i'm going to have to spend an awful lot of time filtering through all the sites. its so frustrating that they aren't ALL on the comparison sites.

trix · Post by **trix** » Fri Aug 03, 2012 7:04 pm

give our sponsors a shot sarah, they can only try, make sure to quote the relevant club codes/name
both my cars are with equity red star through adrian flux

Sarah · Post by **Sarah** » Fri Aug 03, 2012 7:49 pm

trix wrote:give our sponsors a shot sarah, they can only try, make sure to quote the relevant club codes/name
both my cars are with equity red star through adrian flux

Thanks Trix, ill check them out

ZephyR · Post by **ZephyR** » Fri Aug 03, 2012 8:35 pm

I'm with Sheila's Wheels (yes they do insure men). My renewal went down from £385 to £325 this year.
3 years ago I was paying £515 for my Roc

mikealpha60 · Post by **mikealpha60** » Fri Aug 03, 2012 9:42 pm

I'm with Admiral - £350.

Best advice, keep your mileage down. I set it at 8000 even though i can do many more. Makes a massive difference and knocked nearly 250 off my premium.

Insurance don't take odometer reading so they have no way to prove what mileage has been done.

At the end of the day my partner is insured on their policy to drive other cars so she can drive my car whenever she wants which could clock up tens of thousands of miles which i'd have no control over - mileage value is against the driver not on the car (i think).

Something to think about.

trix · Post by **trix** » Fri Aug 03, 2012 10:20 pm

mikealpha60 wrote:Insurance don't take odometer reading so they have no way to prove what mileage has been done.

At the end of the day my partner is insured on their policy to drive other cars so she can drive my car whenever she wants which could clock up tens of thousands of miles which i'd have no control over - mileage value is against the driver not on the car (i think).

Something to think about.

Actually they can ask, & in the event of an accident it will be checked. They can always look at mot certs too. My 2nd car is on a restricted mileage policy (3k) and they have the odometer reading from the start of the policy on record.
I think the mileage is the car not the driver

b0rk · Post by **b0rk** » Fri Aug 03, 2012 10:22 pm

mikealpha60 wrote:I'm with Admiral - £350.

Best advice, keep your mileage down. I set it at 8000 even though i can do many more. Makes a massive difference and knocked nearly 250 off my premium.

Insurance don't take odometer reading so they have no way to prove what mileage has been done.

Some insurers will ask for the odometer reading on commencement and renewal I'm with Chaucer who do this and IRC various other specialists ask as well. Whilst you can under declare if you make a claim on new(ish) car it is not rocket science for the insurer to work out how many miles you've done and either charge more for the previlage or void the policy if you have would/have exceeded their underwriting terms. Declared milage is against the policy not the driver or car. The onus is on you as the policy holder to demonstrate compliance not the insurer to prove non compliance.

Dimbit · Post by **Dimbit** » Sat Aug 04, 2012 7:40 am

Sarah wrote: i was hoping that there was some discounts for being a member of certain things as I have read that if you become part of a drivers club or something you can get offered discounts with particular insurance companies, but wasnt sure how true this was.

Yes, the broker type companies who let you speak to real people on the phone (flux, glynwood etc. maybe sky but not sure) tend to offer 10-15% if you're a member of an owners club, and usually being registered on an online forum is enough. I got that discount on both my cars even when I was only in a club relevant to the other one.
Maybe don't mention it up front though or they'll just quote 15% higher to start with.

2OCCO.2 · Post by **2OCCO.2** » Sat Aug 04, 2012 8:43 am

I was going to say try greenlight insurance, but you need a clean license and no accidents :/ but they're by far cheapest. Beat my quote last year by £500

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