Insurance!!!!

robin hughes · Post by **robin hughes** » Thu Nov 23, 2006 10:29 am

Well i have just got off the phone to my insurance company after changing my cover from the rst over to the bx 16v and while i was at it i decided to get my renewal quote as my insurance is up on december 17th. And to my suprise the escort rs turbo is cheaper er what??? the escort rst is £339 fc with protected ncb and the bx 16v comes in at £469 fc with protected ncb How can that be

Im confused

Post by **Adrian E** » Thu Nov 23, 2006 10:36 am

Declared mods on the BX vs standard F*rd?

robin hughes · Post by **robin hughes** » Thu Nov 23, 2006 11:15 am

no!! the ford is modded now too

When it comes back it will be 220 bhp (the ford that is)

Timmo · Post by **Timmo** » Thu Nov 23, 2006 11:41 am

i expectt hat the bx is a higher insurance group matey?? based on power its 30 horse up so may be a group higher?? iirc its 14 for the bx??

robin hughes · Post by **robin hughes** » Thu Nov 23, 2006 11:49 am

its weird because over the last 3 years its been the other way round! as i always thought it the premium i payed on the rs turbo was dearer due to it being more desirable and nickable??

Post by **Mike P** » Thu Nov 23, 2006 11:53 am

I think you'll find the Bx is more

desirable and nickable

Mike P.

robin hughes · Post by **robin hughes** » Thu Nov 23, 2006 11:54 am

i suppose youve got a point now puggers are prowling round for 16v engines!!!!!!!!!!!!

Post by **Mike P** » Thu Nov 23, 2006 12:00 pm

Robin,

I paid about £370 IIRC for the insurance this year on the Bx. Fully comp' with protected NCB.

That was with Churchill, might be worth a call to them. I've had a bit of aggro with them over proof of NCB due to buying it over the internet but they don't seem any worse than the others.

Mike P.

jayw · Post by **jayw** » Thu Nov 23, 2006 1:55 pm

The thing i learned when trying to work out differing insurance quotes is: DON'T bother trying

Though, some really good advise is to go to Confused.com and get a quote there, it really does make a difference.

I pay £300 FC for the white one and an additional £80 TPFT for the grey one (but i can't drive them both at the same time) with Highway Insurance through Confused.com.

Here's an insurance oddity: I get NO discount for having Cat1 alarms on both cars (plus a cat2 on the white one). If i had NO alarms the price would be the same!

This applies to all the insures i've been to!

That tells me (in the insurers opinion) they're either impossible to steal, or not worth stealing

And i KNOW the former isn't true...

robin hughes · Post by **robin hughes** » Thu Nov 23, 2006 2:18 pm

im with highway now. Thats who quoted me £339 on the rs turbo

tim leech · Post by **tim leech** » Thu Nov 23, 2006 2:19 pm

I pay £125 as im old giffer and have 14 years ncb/ and its garaged.

Timmo · Post by **Timmo** » Thu Nov 23, 2006 2:23 pm

jayw wrote: (but i can't drive them both at the same time)

you'd be bl##dy clever if you could though!

my insurance is £305 fc with protercted, legal, curtosey car, audio, blah blah blah and also inclkudes Full comprehensive rac breakdown! (home start, roadside, recovery, onward travel, overnight accom. curtosey car!)
thats parked ont he street too! althoguh like jay no discount for the cat1 but it did activate the theft cover when it was fitted!

strangely thoguh the wife's fiat is only £50 a year cheaper for the same cover inc rac! (*that was after a log of haggling and pointing out that the renewal was only £20 less than my policy price despite the 10 insurance group difference!)
insurance is an entity all to its self!

(confused.com had mine down as a 4x4gti! )

jayw · Post by **jayw** » Thu Nov 23, 2006 3:46 pm

Timmo wrote:
jayw wrote: (but i can't drive them both at the same time)
you'd be bl##dy clever if you could though!

my insurance is £305 fc with protercted, legal, curtosey car, audio, blah blah blah and also inclkudes Full comprehensive rac breakdown! (home start, roadside, recovery, onward travel, overnight accom. curtosey car!)
thats parked ont he street too! althoguh like jay no discount for the cat1 but it did activate the theft cover when it was fitted!

strangely thoguh the wife's fiat is only £50 a year cheaper for the same cover inc rac! (*that was after a log of haggling and pointing out that the renewal was only £20 less than my policy price despite the 10 insurance group difference!)
insurance is an entity all to its self!

(confused.com had mine down as a 4x4gti! )

The insurance database had mine as a GTi 4x4 too!

As for driving both cars... it actually says on the policy that only the vehicle i'm driving is insured at that point, therefor, if i crash the white one at the same time the grey one caught fire in the garage i'd get nowt for the grey one.... or something to that effect.

That probably stops idiots crashing into their own car and claiming for both in a 1st & 3rd party manner

Simran · Post by **Simran** » Thu Nov 23, 2006 4:09 pm

Mine will be anything between 1600 and 2200 when i come to insure it at easter

i will be 20 with 1 years ncb.

jayw · Post by **jayw** » Thu Nov 23, 2006 4:24 pm

Simran wrote:Mine will be anything between 1600 and 2200 when i come to insure it at easter i will be 20 with 1 years ncb.

OUCH!

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Insurance!!!!

Insurance!!!!