SuperHamz

Who was that with?

Just for reference with regards to my previous comment:

32yrs
3 years ownership
7 years NCB (protected)
4k annual mileage
2003 53 GT Car
Legal Cover
90 Days European
HA* postcode
Mods declared
£350 compulsory excess

£543 Renewal
£860 Prestige Keep Moving
£500 Brentacre
£779 Admiral
£690 Sky
£900 Adrian Flux
£1,500 A-Plan
£1,100 AA

Quotes are all over the place.

scottietse

2002

HKS sc
Tannabe Medallion
Berks high flow Cat
Enkei 17s
Meister coilovers
Aem ECU
All body mods declared
E16 Post code
36 yrs old
7 years NCB
3K per year
garaged

£463 with sky

The funny thing is that it was 600 odd without the supercharger last year ???!!!

MattyH

Just called up

A-plan & Adrian Flux - £750
Sky - £660
Brentacre - £550

1999 JDM £5.5k value
Enkei RPF01s
Meister Rs
Spoon Monoblock Calipers
Amuse Ti R1 Exhaust
Injen Intake
Seibon Rear Wing
Clifford Concept G5 Alarm (Thatcham Cat 1)
5000miles a year.

27YO w/6 years no claims
Norwich Postcode - stored on the road.

Thanks for bringing Brentacre to my attention as they seem to be the cheapest so far with everything decalared

SuperHamz

I used them a few years ago when I had my Civic, they did a BHP limit on the insurance, so as many mods up to a certain BHP before they charged any limit. They wouldn't insure me on the S due to inexperience, but it seems they will again.

Friendly bunch too. Had a good chinwag with one of the guys about NCB and how they work it out.

S2Bray

I've not come to renew this year yet, but when I was looking last time I noticed, quite counter intuitively, that the premium was lower if the car was 'kept on the road' than if it was 'on the drive' or 'in the garage'.

Bonkers.

SuperHamz

The "logic" behind that supposedly is

1: a criminal won't know which house to break into to get the keys; and
2: if said criminal did get your keys, they'd still have to find your car

lovegroova

It's not "logic", it's experience.

Cars parked on the road are subject to lower claims levels than those parked in garages or on driveways, ergo the premium is lower.
As well as the increased risk of theft (a garage gives thieves cover for more time enabling them to bypass securty systems) you're more likely to hit the garage or driveway wall with the car than when parked on the road.

djchocice

Should have said with the above, my insurance is with Axa. Though I'm lucky to live in a good area which helps no end with a cheap insurance quote.

johnckeen

If you put your mileage too low they will raise price as they will take the view of you dont drive enough so you will be bad at it (lack of experience).

I find 10,000 is a happy medium.

andy2000

Not sure where you get this info from. Its not a rule in our rating algorithms. In fact we definitely prefer lower mileages.