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Discussion Starter · #1 ·
Hi,

Time's come to move house and I've noticed that every single house I've looked at, no matter where it is, the insurance is quite a bit higher than where I currently am with just up the road being £400 more. At my current residence I'll be looking at around £900.
Looking around, I seem to be penalized for parking the car on a driveway or in a garage over parking it on the road no matter where it is.

I'm in a bit of an awkward situation where my first year was through Admirals 10 month scheme, so I'll only have 1 year 10 months experience at renewal.
So I was wondering if there were any better insurers (currently using Elephant off Confused) that would insure a 22 year old with 1 years no claims and 1 year, 10 months experience (I'm considering paying for 2 extra months to make it 2 years)?
 

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Hi,

Time's come to move house and I've noticed that every single house I've looked at, no matter where it is, the insurance is quite a bit higher than where I currently am with just up the road being £400 more. At my current residence I'll be looking at around £900.
Looking around, I seem to be penalized for parking the car on a driveway or in a garage over parking it on the road no matter where it is.

I'm in a bit of an awkward situation where my first year was through Admirals 10 month scheme, so I'll only have 1 year 10 months experience at renewal.
So I was wondering if there were any better insurers (currently using Elephant off Confused) that would insure a 22 year old with 1 years no claims and 1 year, 10 months experience (I'm considering paying for 2 extra months to make it 2 years)?
Yeah for some dodgy reason, comparison sites charge you more for doing less miles and keeping your car more secure lol
I rang Adrian flux and they beat any quote I had online by a fair bit!
 

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Discussion Starter · #3 ·
Yeah for some dodgy reason, comparison sites charge you more for doing less miles and keeping your car more secure lol
I rang Adrian flux and they beat any quote I had online by a fair bit!
I rang flux when I was 22 and they wouldn't quote me. But with more experience they might. Just bothers me that If i put effort in to keep my car safe in a garage, the quote tripled!
 

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I rang flux when I was 22 and they wouldn't quote me. But with more experience they might. Just bothers me that If i put effort in to keep my car safe in a garage, the quote tripled!
Mine was same on a comparison site mate. I put the mileage upto 11k when I only do about 8 and put that I park it on the street, also upped the value of the car, stupid little things and it made the quote cheaper!

If it's an R32 you're looking at insuring, Chriss Knott no longer do it unless you're 28, I tried Keith Michael's also but I did a quote with them a couple of months back and they weren't going to budge from that price even though I now had another years NCB

Mentioning that you spoke to Dan on the R32OC forum (he's a flux rep) they add forum discount too so it's worth trying!
 

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Discussion Starter · #5 ·
Mine was same on a comparison site mate. I put the mileage upto 11k when I only do about 8 and put that I park it on the street, also upped the value of the car, stupid little things and it made the quote cheaper!

If it's an R32 you're looking at insuring, Chriss Knott no longer do it unless you're 28, I tried Keith Michael's also but I did a quote with them a couple of months back and they weren't going to budge from that price even though I now had another years NCB

Mentioning that you spoke to Dan on the R32OC forum (he's a flux rep) they add forum discount too so it's worth trying!
Yeah. When I got a quote from Flux I'd only had 10 months experience (Kinda regret that now..) so I can understand them not being competitive. I've also got 1 accident but that hasn't put the price up too much.

Starting to think getting 2 extra months insurance so I'll have 2 years and be 23 when I renew will help a lot.
 

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Yeah. When I got a quote from Flux I'd only had 10 months experience (Kinda regret that now..) so I can understand them not being competitive. I've also got 1 accident but that hasn't put the price up too much.

Starting to think getting 2 extra months insurance so I'll have 2 years and be 23 when I renew will help a lot.
Yeah, might be worth doing that pal
 

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I tried Keith Michael's also but I did a quote with them a couple of months back and they weren't going to budge from that price even though I now had another years NCB
Strange, I've got one of my policies through Keith Michaels and I've just had £100 knocked off as I had an extra years NCB than what I thought I had. They quoted me the cheapest by quite a margin.

Tbh I probably won't bother with Flux again. Such a snotty attitude when ringing to get a quote last year. Came out in the region of £6-8k for a 23yo with 5yrs NCB. Appreciate they might be forum sponsors but manners cost nothing. I called Chris Knott as well, much more polite even though they couldn't quote me due my age.
 

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Strange, I've got one of my policies through Keith Michaels and I've just had £100 knocked off as I had an extra years NCB than what I thought I had. They quoted me the cheapest by quite a margin.

Tbh I probably won't bother with Flux again. Such a snotty attitude when ringing to get a quote last year. Came out in the region of £6-8k for a 23yo with 5yrs NCB. Appreciate they might be forum sponsors but manners cost nothing. I called Chris Knott as well, much more polite even though they couldn't quote me due my age.
It's odd, because like you say, Keith Michales were fantastic with me a couple of month ago but ringing back, I told them I'd been quoted much less and they weren't going to budge. In fact, told me I'd be better off trying elsewhere because the best they could do for me would be £300+ difference lol

Whereas Flux (this time, as I quoted last year for part time policy) were great! To me, they offered fantastic coverage over everything, cheaper excess, for an additional £20 for the year my insurance would cover me fully comp on another persons vehicle (given that it is already fully comp and not at my address)

Come next year though, they'll probably charge me through the roof like Chris Knott did this year with my renewal.

I turned 25, license for 2 years and 2 years NCB which means I'm officially past the 'boy racer' stage according to insurers

I also switched cars to a slower car, which was 4 insurance groups cheaper then the one I originally insured with them.

My quote went up by £186......... HOW? :rofl:
There was no point in debating the stupidity of this with them as I've now switched to the R32 as a daily

Apologies for the essay
 

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Discussion Starter · #9 ·
Yeah oddly enough the r32 is a reasonable car to insure. Thanks for the advice anyway, I'll look more into it when the time comes.

Cheers
 

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Insurance is just one of those fields where things sometimes just don't make sense lol.

What annoyed me was these brokers who tout themselves as specialists for young drivers and what not when in reality confused.com gave me a more competitive quote.

As it stands the price Keith Michaels gave me for a completely standard R32 is cheaper than what I was getting quoted for your run of the mill mk4 golf 1.9 tdi.

My advice would be to invest some time and effort into it. Get a list of all the brokers you can find and give them a call. It paid off in my case.
 

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It always cost more to insure in a garage , as nowadays thieves get in your garage and they are under cover so can rob your house fill the car and juts open the door and drive off

It's especially high cost if the garage is linked to the house , because they steal your keys and walk straight into your garage


Sent from my iPhone using Tapatalk
 

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Hi,

Time's come to move house and I've noticed that every single house I've looked at, no matter where it is, the insurance is quite a bit higher than where I currently am with just up the road being £400 more. At my current residence I'll be looking at around £900.
Looking around, I seem to be penalized for parking the car on a driveway or in a garage over parking it on the road no matter where it is.

I'm in a bit of an awkward situation where my first year was through Admirals 10 month scheme, so I'll only have 1 year 10 months experience at renewal.
So I was wondering if there were any better insurers (currently using Elephant off Confused) that would insure a 22 year old with 1 years no claims and 1 year, 10 months experience (I'm considering paying for 2 extra months to make it 2 years)?
Please feel free to try our scheme :)
 

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Sounds daft, try direct line. beat every quote by at least 5-600 quid. 23y/o 2 years NCB 1 write off and 3 years driving experience.
 

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Yeah, I'll have a good ring around. I've had my license 5 years, will have 4 years 10 months driving experience, 1 years 10 months in the R (may take out temp insurance to make it 2 years flat) with 1 fault accident and 1 years no claims. The car is standard too, last year my insurance was £6 cheaper if I said I had coilovers which is a bit of a joke.. So it shouldn't be too bad aside from the area which honestly isn't bad.

Cheers
 

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Got my renewal today coming in at £1600. Get a quote and the same company offers me £876.
Unfortunately Direct Line wouldn't quote, nor would Prestige.

Looks like I'm going with Elephant again!
 
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