We tried doing the black-box option with the CO-OP's young driver offering but the quote was 50% more than the most reasonable quote from the Meercat.
Car insurance to get a shake-up?
- Thread starter spjmorris
- Start date
1350, hopefully she'll shift down next year 'cause that's nearly the value of the car.
out of interest put my details into compare for modded cars got a quote for around £200-£300 going right up using 4 ncb etc, then thought put the other cougar in that has a few more mods but put in ncb as zero cheapest was around £850 several more between £900- £1400 to be expected, 2 dearest were £10,000+ and £12000+ and i didn't add a extra zero by mistake, the automatic basic valuation came up at £750 for cougar
As much as I love Cougars, I would suggest they're not the car for you until you're a little older and with a few years' NCB, unless you're prepared to be well and truly bent over and violated for the insurance.
Insurance on a 1.2 clio - 2.5k
Insurance on a 2.5 v6 Vougar - 1.5k
I'll take a pic of my gocompare quote's screen.
You may want to put your voluntary excess up some more, that should trim a bit more off the quote 
You may want to put your voluntary excess up some more, that should trim a bit more off the quote
Unfortunately not! It makes about a fiver difference so I just leave it.
I'm just destined to be paddled over a desk
I have to be honest< no matter how much a i wanted a car, i would never pay that much for insurance unless i won the lottery, and the car was a lambo or something.. I would bite the bullet and get a cheaper car even for a year or so till my no claims was built up and then think again..
Sooooooo, there are some benefits to being a founder member of The UKCOFS . If i even had to consider that as an insurance quote on anything less than a Lambo, i'll be catching the bus thankyou very much :beer:
That's what i was trying to say Al, I don't think i have paid over £400 for insurance for many many years, if at all.. and if i had too, then i will be riding a push bike..
It just beats me how the "yunguns"
can afford to run a car at all! I mean, 90% apr :beer: are out of work around here, they go to sign on in thier shiny new Corsa's godelpus!
I have a shiny new job and no outgoings, bet my insurance+running costs are less than your bills let alone mortgage too
I have very very low outgoings each month, including any mortgage/rent council tax and car insurance.. regardless if I had a shiny new job or not, I would never pay those prices for insurance, that's just crazy, but it's your choice, I am not knocking you for it, just Merely giving my 2p's worth..
I have a shiny new job and no outgoings, bet my insurance+running costs are less than your bills let alone mortgage too
Shiney new job and no outgoings is good, no doubt about that, but i guarantee, my insurance and running costs are a hell of a lot cheaper than yours. I don't have a mortgage
I just hope you can find a sensible quote. As Add already suggested, nobody is "having a go" infact quite the opposite, i feel sorry for the kids who have to face these ridiculous costs and really do wonder how the majority can manage it, even with the benefits of no or very low outgoings.
IT's brilliant when your NCD starts to count in your favour, but then you reach max NCD and after being accident free (good boy) for 10 years or more, instead of giving you a real discounted policy for NOT claiming, they do the opposite and increase it, year after year. Stupid scenario is to have a claim, lose your NCD and start all over again so you can at least see some reduction in the cost of the policy. There's one massive flaw in that plan though
for 10 years or more, instead of giving you a real discounted policy for NOT claiming, they do the opposite and increase it, year after year. Stupid scenario is to have a claim, lose your NCD and start all over again so you can at least see some reduction in the cost of the policy. There's one massive flaw in that plan though 
IT's brilliant when your NCD starts to count in your favour, but then you reach max NCD and after being accident free (good boy)
I'd go so far as to say that the NCD actually just hides the increase in base premium that you're still getting year-on-year. Then you make a claim or someone makes one against you - they're banking on that of course - and your premium goes through the roof for several years, wiping out what you saved with the NCD (and more) in the first place.
And naturally you suck it down because after all, you were at fault.
Think I might need a bigger hat. This one's too tight.