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"I am now in BIG debt"

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Tue 13/04/04 at 18:01
Regular
"Puerile Shagging"
Posts: 15,009
To my mummy.
I just bought a new car, (well, 6 months old, but you know).

It's a BMW 318ti SE Compact and I pick it up on Monday.
I'm happy, although the insurance company made a mistook and having bought the car they then charged me 5 times more!
Tue 13/04/04 at 18:32
Regular
Posts: 14,437
ßora† §agdiyeV wrote:
> for a start I would have to strongly recommend you take the 'second
> driver' option on a parents policy.

Bad idea, you don't accrue No-Claims that way.

> failing that get cheaper
> insurance such as third party, fire and theft, or third party only.

Another bad idea. Those policies are practicall useless if you ever need to use your insurance.

> third, do an advanced driver course, that'll drop your premiums a
> bit.

doesn't make too much of a difference to be honest.

>Get various security systems fitted to it, and SHOP AROUND for
> a better quote.

Don't think you could get a more secure car. And I did shop around - for AGES! Most places had the cheek to quote me £2000+!
Tue 13/04/04 at 18:32
Regular
"^_^"
Posts: 3,863
How old are you E_B?
Tue 13/04/04 at 18:31
Regular
Posts: 20,776
yeah, in my experience, both of those are absolutely terrible quotes.

although maybe I should take into consideration the fact that you live in different areas of the country. don't know if that makes any difference.
Tue 13/04/04 at 18:30
Regular
"Puerile Shagging"
Posts: 15,009
Um.
Go for a new insurance company.
Tue 13/04/04 at 18:29
Regular
Posts: 14,437
English_Bloke wrote:
> What car you got?

'97 Saxo. It's up for sale though. It's crap.

> How old are you?

21 since Feb.

> How long have you been driving?

Since I was 17.

I don't get it. No crashes, convictions, nothing. It's all crap :(
Tue 13/04/04 at 18:28
Regular
"Puerile Shagging"
Posts: 15,009
My car has top-notch security. My quote is lower due to my job. But it is 2.0 and worth a fair bit and I'm only a young-un.
Tue 13/04/04 at 18:27
Regular
Posts: 20,776
ßulle†† wrote:
> English_Bloke wrote:
> Costing me £1,900 to insure too
>
> WTF?? on a 12?
>
> I'm paying £1560 on a 7.

ha ha ha ha ha

jesus christ, they saw you people coming, didn't they. ;)

for a start I would have to strongly recommend you take the 'second driver' option on a parents policy. failing that get cheaper insurance such as third party, fire and theft, or third party only.

third, do an advanced driver course, that'll drop your premiums a bit. Get various security systems fitted to it, and SHOP AROUND for a better quote.

I really can't get over the idea of paying 2 grand a year to insure your car. I think the most I ever paid was about 800 nicker, and that was when I was 17. and don't forget - should you have a crash, you'll be expected to pay excess too.
Tue 13/04/04 at 18:25
Regular
"Puerile Shagging"
Posts: 15,009
ßulle†† wrote:
> English_Bloke wrote:
> Costing me £1,900 to insure too
>
> WTF?? on a 12?
>
> I'm paying £1560 on a 7.
>
> *Considers buying a Beemer*

What car you got? How old are you? How long have you been driving?
Tue 13/04/04 at 18:25
Regular
"Puerile Shagging"
Posts: 15,009
I am writing a letter to the company.

I was told that it would cost me £97 to change the car on my current insurance and then it would be £1,400 for the next year. I bought the car and then was told it would be £510 to change the car on my current insurance and then £1,900 for the next year!

I talked to a manager who then gave me a £40 discount...

I'm a little irritated.
Tue 13/04/04 at 18:24
Regular
Posts: 14,437
Who are you insured with?

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