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Author Topic: Car insurance...  (Read 5880 times)

U-33

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Car insurance...
« on: August 18, 2014, 03:24:28 PM »

Owing to a slight hiccup, I can't have a Motability car until the end of February next year  <:(  so I've decided to buy something to get me mobile again and then sell it when I'm eligible for my Motability car.


I've found a 2002 Nissan Almera Tino SE estate, 1769cc with 69900 miles on the clock, two previous owners...it'll come fully serviced, with a full new 12 month MOT. The garage wanted 1295 for it...I offered 1150 in folding, looks like we may have a deal at that. Test driving it tomorrow..


Phoned Churchill, because they were my last insurers and they've always been good to me...got a quote of 296.80 fully comprehensive with Green Flag breakdown cover for a year thrown in. Bearing in mind I haven't driven for nearly three years, does that sound a reasonable price?


Your comments welcome...




Rich
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TugCowboy

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Re: Car insurance...
« Reply #1 on: August 18, 2014, 03:29:07 PM »

Can't moan at that.

Anything under 500 for car insurance is a result these days I reckon.

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Netleyned

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Re: Car insurance...
« Reply #2 on: August 18, 2014, 04:08:51 PM »

If you take the cost of comparable breakdown cover away
I would say it is pretty reasonable.

Ned
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IanPal

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Re: Car insurance...
« Reply #3 on: August 18, 2014, 04:21:10 PM »

Rich, I think your find it hard to better that, as Ned said, take  the 70-80 quid breakdown cover away that's a touch over 200 for full comp.
What happened to the Ford then?


I think I'll stay in tomorrow if your out for a test drive then  :P
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inertia

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Re: Car insurance...
« Reply #4 on: August 18, 2014, 04:31:24 PM »

Did you try one of those comparison websites? If nothing else it will confirm that your deal with Churchill is good VFM (or otherwise).
DM
(Hope your hiccups gets better before February.........)
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Netleyned

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Re: Car insurance...
« Reply #5 on: August 18, 2014, 04:33:16 PM »


What happened to the Ford then?

Bent it on a test drive :D

Ned
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Netleyned

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Re: Car insurance...
« Reply #6 on: August 18, 2014, 04:50:15 PM »

Rich.
If you have higher rate DLA mobility there should not be a
problem unless you have fallen foul of the PIP monster >>:-(

Ned
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U-33

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Re: Car insurance...
« Reply #7 on: August 18, 2014, 04:55:17 PM »

Good news that...thanks guys, it seemed pretty good to me. Looks like my poor old flexible friend is due for another hammering very soon...


Ian...the Mondaeo Mondeo Modayo  Ford would have even more expensive to insure, and dearer to run as well, and it's a big old lump of a car too. Probably a wise choice to stay indoors...and safer.


Rich
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Netleyned

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Re: Car insurance...
« Reply #8 on: August 18, 2014, 05:09:58 PM »

Test drive over some bumpy old roads Rich.
Nipponese transport is a bit hard on the old bones.
Their roads are so smooth they seem to forget
to soften the suspension for Blitish Pothors.

Ned
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U-33

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Re: Car insurance...
« Reply #9 on: August 18, 2014, 06:16:30 PM »

All our roads are bumpy down here, Ned...a series of pot holes with the odd bit of tarmac joining them together.


Rich
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~~~~~~~  "Motorflotes need love too...."  ~~~~~~~

MotorFlote build log : http://www.modelboatmayhem.co.uk/forum/index.php/topic,15222.0.html

Tug-Kenny

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Re: Car insurance...
« Reply #10 on: August 18, 2014, 08:23:01 PM »


That does seem reasonable insurance.  If you can keep the mileage quote down it gets even better.   I'm down to 2000 miles a year these days and my insurance on the Volvo estate is 204. 

It's the road tax that upsets me ??.   The bloke next door pays nowt for his.  Something to do with emissions , I believe.   %)

Cheers

Ken
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malcolmfrary

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Re: Car insurance...
« Reply #11 on: August 18, 2014, 08:30:19 PM »

Insurance is the right area, when testing, look for lumpy running, typically on gentle acceleration through 30mph.  Its about the right age for a dodgy timing chain and/or one of the two(?!) sensors and/or the MAS and/or the air cleaner.  And probably anything else on a modern engine that can no longer be fixed with either a 1/2"AF spanner or a hammer.
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Netleyned

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Re: Car insurance...
« Reply #12 on: August 18, 2014, 08:31:45 PM »

You need to keep your emissions to the minimum Ken
Keep off the beans and sprouts %%

Ned
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U-33

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Re: Car insurance...
« Reply #13 on: August 18, 2014, 08:33:32 PM »

I don't have to worry about road tax...I still qualify for free road tax.   %)


Rich
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~~~~~~~  "Motorflotes need love too...."  ~~~~~~~

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Tug-Kenny

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Re: Car insurance...
« Reply #14 on: August 18, 2014, 08:57:25 PM »

You need to keep your emissions to the minimum Ken
Keep off the beans and sprouts %%

Ned


I've always wondered why my good lady says  Not to start the car until she gets in.    {-) {-)


ken
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essex2visuvesi

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Re: Car insurance...
« Reply #15 on: August 18, 2014, 10:09:03 PM »

I have a 2006 Mazda RX8
For a performance car the insurance is quite reasonable.  Considering I have an EU license, Only 1 years NCB (Most UK insurance companies do not recognise NCB earned in other countries, although it works fine the other way!)
My insurance is just over 400 with 6,000 miles
My road tax on the other hand is 500  :o
We wont go into running costs lol (rotary engine) >>:-(
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grendel

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Re: Car insurance...
« Reply #16 on: August 19, 2014, 08:08:25 AM »

my volvo comes out to 3x that, but with 30,000 miles a year plus 10,000 business miles, I expect the premiums to be higher.
Grendel
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U-33

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Re: Car insurance...
« Reply #17 on: August 19, 2014, 09:36:54 AM »

I'm on 5000 miles a year, I shan't be going very far. Down the village shopping, down to the lake with a boat, take the ladyfriend out now and again, and that'll be about it.


Rich
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~~~~~~~  "Motorflotes need love too...."  ~~~~~~~

MotorFlote build log : http://www.modelboatmayhem.co.uk/forum/index.php/topic,15222.0.html

Bob K

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Re: Car insurance...
« Reply #18 on: August 19, 2014, 10:17:07 AM »

On retirement I retired my huge 16 year old gas guzzling Hyundai and bought a new 1.0L Vauxhall Agila.
Fully Comp 208.  Road Tax 20 (why can't I pay it monthly?) and over 50 MPG. Running costs well under a third
The tiny boot is adequate for my boat trolley and the back seat width is only a centimetre less than the Lantra for boats.
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U-33

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Re: Car insurance...
« Reply #19 on: August 19, 2014, 10:27:51 AM »

I looked at a couple of small cars, but my U-47 was bigger than the perishin' car!  <:(


Rich
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DarrenCarter2

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Re: Car insurance...
« Reply #20 on: August 19, 2014, 10:29:20 AM »

I'm 28 with 10 years no claims with a 1.4 16v vw polo and paying 400 a year I'd say ur getting it cheap considering u haven't been driving for 3 years so any no claims u had has now gone, my 18 year old brother inlaw just had to pay 1400 for a years insurance on a 1.0L baring mind that's cheap as we were getting offers at 2000
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U-33

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Re: Car insurance...
« Reply #21 on: August 19, 2014, 10:36:40 AM »

Churchill did say that they would honour my last four years no claims discount because I was a returning customer and would be paying a year's worth of insurance up front.


Rich
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~~~~~~~  "Motorflotes need love too...."  ~~~~~~~

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IanPal

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Re: Car insurance...
« Reply #22 on: August 19, 2014, 11:03:35 AM »

I'm 28 with 10 years no claims with a 1.4 16v vw polo and paying 400 a year I'd say ur getting it cheap considering u haven't been driving for 3 years so any no claims u had has now gone, my 18 year old brother inlaw just had to pay 1400 for a years insurence on a 1.0L baring mind that's cheap as we were getting offers at 2000


My 18 year old son tried for a quote on my old Vectra SRI 150, I did laugh before he even called them as I knew what was to come.


The quote was 4600. Why don't they just say up front, sod off, it would save going through all the questions  {-)


Sorry Rich gone a bit off topic, How was the test drive, Is it safe to go out yet?  %%
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U-33

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Re: Car insurance...
« Reply #23 on: August 19, 2014, 11:22:51 AM »

Mornin Ian,


Yep, all is well mate...just got back in. I am now the owner of a Nissan Almera Tino SE, so stand by your beds, Sussex...I am back on the road.


I collect it next week sometime, it's going in for a service, MOT, and a new clutch (at my insistence)


How's that servo arm...all done now?


Rich

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~~~~~~~  "Motorflotes need love too...."  ~~~~~~~

MotorFlote build log : http://www.modelboatmayhem.co.uk/forum/index.php/topic,15222.0.html

U-33

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Re: Car insurance...
« Reply #24 on: August 19, 2014, 12:00:37 PM »

Oh, and the U-47 fits in it ok, so the Akula will be fine. The Deep Dive will fit in the glovebox!


Rich
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~~~~~~~  "Motorflotes need love too...."  ~~~~~~~

MotorFlote build log : http://www.modelboatmayhem.co.uk/forum/index.php/topic,15222.0.html
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