Conference terri::cars_uk

    
    Have you tried the AA? Some damn them, but they've been consistently
    cheapest since I've owned 'recent' cars.
    
    Others speak highly of Frizzells, but I've always found them dear
    myself.
    
    Mark

I thought it was the job of the broker to find you the cheapest quote,
or best deal. Isn't that what they get paid for?


	Ian

 � I thought it was the job of the broker to find you the cheapest quote,
 � or best deal. Isn't that what they get paid for?
    
    That's what the AA are. But a broker can only get quotes from Insurance
    Companies who deal through brokers.
    
    I almost always insure through C.I.S; the fact that they don't deal
    through brokers is one of the reasons they're cheaper. Frizells may be
    the same.
    
    Ian.

>I thought it was the job of the broker to find you the cheapest quote,

well it is theoretically....


but :-

not all brokers broke for all insurance companies.  
not all brokers carry all cover offered by an insurance company.
some brokers offer starter discount.

etc.

Thus it pays to "shop around"....

    
    Well I hate brokers, they start off with a fair? quote then start
    flogging you all this garb that you don't need.  All manner of rubbish
    starts coming through the letterbox etc etc.
    
    One good thing that I got by being on one of these mailing lists, was a
    letter from Direct Line offering me an extra �10 discount.  For the
    same cover I was quoted �87-�10 discount, this when my renewal notice
    was asking for �145.
    
    Ah Ha, I hear you cry, what happens when you claim, well I had my car
    broken into in the car park at DEC Park.  I phoned to see if the stereo
    was covered (as I'm TPFT), it was and within a week I has a new stereo
    fitted (�350) by there audio contractors (Sextons) and within a month I 
    had the cheque cleared and in my account.  I'm very impressed with the
    service, all that remains to be seen now is what the renewal will be
    next year.
    
    Their number for quotes is 081-686-2468
    
    They do say on the form I'm looking at, you should be between 25 & 75 do
    not require cover for an under 25, No claims within the last 3 years
    and no convictions in the last 5 years (other than Parking or 1
    speeding), and you have to be in good health.

    
    Frizzells ARE a broker.
    
    Mark

    Try DIRECT LINE Insurance they are backed by the Royal bank of Scotland
    and are based in Glasgow on 041-???-???? , very good Quotes form here
    always very competative.
    				Stuart 

	Barclaycard offer a similar service! Has anyone got the number
	at hand?

	Graham

    A friend of mine is trying hard to keep his XR2......BUT!
    
    CAR : D REG XR2 (ins group 5)
    VALUE: 3800 pounds
    
    Male 23yrs, 30% NCB, clean licence. seeking 12mths fully comp insurance
    
                     POUNDS
    
    GRE................680   << the cheapest he could get ANYWHERE!!
    SWINTON............725
    AA.................740
    CIS................790
    N/UNION............1,100 << and the guy quoted this with straight face!
    
    
    A dread to think what my group 7 Audi Coupe will cost to insure in Jul
    1992!

    
    Doesn't sound TOO bad (except the N/U - they insure my Marcos for about
    100 quid a year, funny eh?). 30% NCB is ONLY one year so either he's
    had a recent accident or has little insurance history, either way he's 
    not a good risk, but it does make you wonder about the car doesn't it?
    Only worth �3800 and costing �680 a year to insure!!!!!
    
    Looks like the insurers are out to get us all into 1.4 Escorts! :^(
    
    Mark

    
    �680 for a 23yr old in a car that is relatively popular with the
    car thief and a "Hot-hatch" seems quite reasonable
                                       Doogz
    H reg MR2 GT-Tbar 27yr old 60% NCB  �960 also with GRE
    

    
    I did try Direct Line, they hit the jackpot at �996 - the highest quote
    to date !
    
    Has anyone got a phone no for CIs or Frizzels ?
    
    Thanks,
    	Sarah.

    
    Frizzells 0202 292333
    
    Mark

    
    re last few....
    
    ......and there I was thinking that it was only me...I'm paying a
    little under �1000 to insure a 1.0L (basic model) fully comprehensive.
    Admittedly I had a little accident last april, thus loosing all the NCB
    that they never gave me.
    
    Alan.

  >>  little under �1000 to insure a 1.0L (basic model) fully comprehensive.
    
       If you don't mind me asking, how much is your 1.0L worth? Is fully
       comp. really necessary? I can tell you, there's no way on earth I'd
       shell out �1000 of my hard earned dosh to an insurance company!
    
       Ian (whose Metro 1.3 costs �90 TPFT with protected NCB).

    I used the AA when insuring my wife's W reg Metro L. We accepted a quote
    from the London and Edinburgh Insurance Company for �100 TPFT. The car
    was new to us, my wife had held a clean licence for 11 years and this
    was her first car, so she had no "no claims bonus". I drive a company
    car and it worked out cheaper to insure the car in my wife's name, (I
    had 3 points on my licence dating back to 1986). The insurance was
    valid from 7-SEP-1991.
    
    When we received our documents from the AA we also received a booklet
    of vouchers for eg hire cars, free weekend hotel accommodation (which
    we will definately be using) etc. This was an unexpected bonus on what
    we thought was a good insurance price.
    
    So give the AA a try, it may be worthwhile!
    
    				Graham
                                                                 

    
    re .15
         Ian, the 1.0L is worth approx 4200 pounds (retail). Fully
    comprehensive is a must really. The problem is that although it is a
    basic model (no head rests, LCD clock, seat belts, soft carpet, heater
    et al) It will travel at speeds inexcess of 160 mph, throws 138 bhp
    at the ground, weighs alittle over 400lbs (wet weight), lifts the front
    wheel at the slightest sign of hard acceleration and laughs at traffic
    jams.......oh and it's.....A  B I K E......
    
    
    Alan

        Ahh, that's the sort of thing that bumps the premium up! :-)
    
        Ian.

    
    Has anyone pulled out of the lease scheme recently & kept their ncb?
    I've been driving 30 years/20k miles pa now without a claim, & don't
    want some silly so & so in a brokers trying to pull a stunt when I
    return to paying my own way after the budget ... "sorry, sir, you've
    not got any recent insurance history" etc etc.
    
    Colin 

    Colin,
    
    Give Fleet a call and they'll write a letter to whom it may concern
    indicating the fact that you've been a 'model' citizen.  Most Ins Co's
    and Brokers seem to recognise them.
    
    
    Neville

Re: .9

>    CAR : D REG XR2 (ins group 5)
>    .
>    .
>    .
>    A dread to think what my group 7 Audi Coupe will cost to insure in Jul

These groups are out of date.  There are now far more groups and some cars
like the XR2 have been significantly repositioned upwards.

jb

    re: .19
    
    Colin,
    
    	My story is similar to yours, best deal was from the AA.
    
    They offered me a 50% discount, reason follows :
    
    My wife has a car, max discount, me as additional driver. I transferred
    her policy to my car ! Simple. isnt it ?
    
    Oh, by the way I didnt leave her high & dry, the AA offered her a 50%
    discount on the strength of her excellent driving record/NCB. The car
    which was cheaper to insure was the one bearing only 50% discount.
    Hopefully at next renewal both policies will be max. NCD.
    
    The AA were also the cheapest broker. If you can get hold of a decent
    broker though who will MAKE AN EFFORT, some insurance companies will
    offer substantial discounts for 2 policies issued for 2 cars at the 
    same time.
    
    Ensure the Insurance company is aware of main user/business user !
    
    	Tony.

    
    I've finally got a quote that I can live with from City Insurance
    brokers in Winchester, company is good ol' Zurich Insurance & they're
    prepared to give me max. ncd (60%) on the strength of a company letter.
    �360 is certainly better than �1000 that I have been quoted...
    
    Sarah.

As I mentioned in some other note, it might be worth trying to check
just what you get for your money. 

If it's just an acceptance that you have a NCB, then probably no
problem, but make sure that there aren't too many hidden clauses
(like paying the first 1000 pounds of any damage for instance :-)


...

    AA RENEWAL = 240 POUNDS
    
    DIRECT-LINE = 120 POUNDS
    
    I've just re-insured with Direct line.
    
    	Tony.

    
    I won't be...
    
    Cheapest quote so far �473, DIRECT-Line �702!!!!!!
    
    Mark

>>    Cheapest quote so far �473, DIRECT-Line �702!!!!!!
    
    Isn't it Direct-Line that only insure 'family cars' ?
    
    If not them, I forget who it is, but I sent off a request on
    my 5-door hatchback some time ago and they refused to insure it !
    
    Of course, that was the integrale - with the power upped a bit too...
    
    J.R.

    
    Well they aren't going to be insuring my family's car! :^)
    
    Mark

Does anyone have a number for Direct Line please ?

Thanks,

Karen

    
    
    081 686 2468
    
    
    Nev

Try Bowing and Bradford 0462 454451.

(see How Much note)

Matt.