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>> No. 3992 Anonymous
20th January 2018
Saturday 11:07 pm
3992 Insurance
What's the best way to go about finding cheap insurance? I'm a new driver but I'm in my late 20s so I thought I could get insured fairly cheaply, but that hasn't been the case. My dad tried to add me as a second driver on his old 1.6l saloon, but the insurance company he's with said they couldn't approve it because the engine size was too big for a new driver. I tried various instant quote websites, and the average price was around £2000 a year for 3rd party insurance. I tried the same websites using a shitbox 1.0l Micra as an example, and received quotes of around £1200-£1500 a year for 3rd party insurance. Paying that much for insurance when your car is only worth about £800 seems insane to me.

So how exactly would one go about getting the best insurance deal? Do you get better deals speaking to people over the phone? Do you go through an insurance broker?
Expand all images.
>> No. 3993 Anonymous
20th January 2018
Saturday 11:39 pm
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There are eleventy billion insurance comparison websites that'll get you quotes from dozens of insurers.
>> No. 3994 Anonymous
21st January 2018
Sunday 12:19 am
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>>3992
>for 3rd party insurance.

Comprehensive is cheaper. Don't question it, just accept it. Add a couple of thousand business miles. Takes £80 off my quote. Try making yourself the primary driver with both your mum and you dad as additional drivers. Play around with your job title. If you don't live with your parents, try listing their address, it affects the risk. Reduce your expected mileage.

Price comparison is the best way to go unfortunately. I'm anal about this, I find GoCompare is routinely cheapest of them. You can get cashback to the tune of £30 or so as well.

>Paying that much for insurance when your car is only worth about £800 seems insane to me.

It's not for you, it's for who you crash into and whose neck you break.

>a shitbox 1.0l Micra as an example

http://www.carinsurancegroups.co.uk/

The lower the better.
http://www.carinsurancegroups.co.uk/groups-list/
>> No. 3995 Anonymous
21st January 2018
Sunday 12:30 am
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>>3994
But I'm not going to crash though?
>> No. 3996 Anonymous
21st January 2018
Sunday 1:03 am
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>>3994
>If you don't live with your parents, try listing their address, it affects the risk.
It's also insurance fraud. Don't do it. You can and will be found out, and it'll stay with you for life.

>>3995
Comedy gold, m42.
>> No. 3997 Anonymous
21st January 2018
Sunday 1:41 am
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>>3996
>Comedy gold, m42.

Fritz, get out!
>> No. 3998 Anonymous
21st January 2018
Sunday 1:46 am
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>>3996
> You can and will be found out, and it'll stay with you for life.

Eric, being such a happy cat, didn't stand a chance against the purr detector van.
>> No. 4000 Anonymous
21st January 2018
Sunday 3:20 am
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>>3996
Well, I rent a place but my main residence is my parents has. Always has, always will be. Where I rent is basically just a fucking hotel.


My head is fucked up accordingly.
>> No. 4002 Anonymous
21st January 2018
Sunday 3:36 pm
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>>3992
The whole system is set against you lad. Don't try and fake it. Putting it on your parents etc, is generally a bad move, as others have said. You're paying for the risk that you might hurt/break someone else car, not your own, and sad to say that you're in the age bracket where that happens the most.

It gets better when you are a) over 25, b) married c) driving a shit car and d) have a long driving history without accident. Nowadays I go with DirectLine, but they generally don't insure high risk drivers.

The whole system is a crock of shit for young men, but, we mostly drive like wankers anyway. Suck it up I'm afraid.
>> No. 4004 Anonymous
21st January 2018
Sunday 3:58 pm
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>>4002

This man speaks the truth. If you have a crash, and statistically, you will, you'll have the rozzers to deal with and you'll be liable for the full damages. Even if someone hits you.

It gets cheaper every year. I'm your age and have only been driving for four years, and I can already insure mad sports cars for £500 a year. Just deal with it.

I will say, one thing I did, was buy and old enough car and insure it as a classic with someone like Footman James. For £250 a year I insured an 1994 BMW M3 with them. I paid about £20 extra to get a policy where I wasn't restricted by mileage and I could commute in it. Unless you're a decent mechanic though, the costs of running an older car can rack up in other ways.
>> No. 4005 Anonymous
21st January 2018
Sunday 4:00 pm
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>>4004

I should add, though I've only been driving for a few years, I've had a license since I was 18 - but still, year one of me insuring a car I paid a grand and a half to insure a 1litre Peugeot, so I don't think it made much difference.
>> No. 4006 Anonymous
21st January 2018
Sunday 4:27 pm
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>>4004
>Unless you're a decent mechanic

Honestly I just said fuck it and follow youtube videos. Never had any problems.
>> No. 4007 Anonymous
21st January 2018
Sunday 4:52 pm
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>>4006

Agreed, that's how I learned - but some people just don't want to are aren't capable, despite how easy it might seem to some.

Especially with older cars, unless it's something with a bit of a following, a forum or two the enthusiasts still post in, you might find yourself stuck.
>> No. 4008 Anonymous
21st January 2018
Sunday 6:46 pm
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>>4006
>>4007
I plan on introducing myself to car maintenance through playing Car Mechanic Simulator.
>> No. 4009 Anonymous
21st January 2018
Sunday 7:15 pm
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>>4008
I've seriously thought about buying one of these from Banggood. Even if it doesn't teach me what I want to know about car mechanics and engines, it looks like a magnificent thing.

https://www.banggood.com/Teching-124-Four-Cylinder-Engine-Aluminium-Alloy-Model-Science-Discovery-Toy-Collection-p-1186819.html
>> No. 4010 Anonymous
21st January 2018
Sunday 7:30 pm
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>>4009

Menkind were selling a Boxer model for a bit less than that. Didn't look as lovely as that, mind.

I'm very tempted. My first 'proper' car was DOHC, I have fond memories of learning how it all worked, even if it was just an MX5.
>> No. 4011 Anonymous
22nd January 2018
Monday 2:02 am
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>>4009
You can get an actual engine for less than that.
>> No. 4012 Anonymous
22nd January 2018
Monday 6:09 am
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>>4011

Yeah, but will it be made of all mental material?
>> No. 4013 Anonymous
22nd January 2018
Monday 7:11 am
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>>4011

You try putting a real engine on your mantelpiece mate
>> No. 4014 Anonymous
22nd January 2018
Monday 2:03 pm
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>>4013

https://www.ebay.co.uk/itm/Mini-Moto-Quad-Motard-Dirt-Bike-50cc-Race-Engine-Red/182903504095
>> No. 4015 Anonymous
22nd January 2018
Monday 3:37 pm
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>>4014

You're stretching the definition of real engine.

And it's not a beautiful four stroke DOHC.
>> No. 4016 Anonymous
22nd January 2018
Monday 7:26 pm
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>>4014
You're not going to learn too much from that weeny thing though.

>>4011
Yeah but it will be oily and dirty and shit. That Banggood one I can shove on the kitchen table at weekends and take it to bits to learn how it works without ruining the gaff.
>> No. 4017 Anonymous
23rd January 2018
Tuesday 2:04 pm
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The Mohammed story is a load of trash but this is interesting.

https://www.theguardian.com/technology/shortcuts/2018/jan/23/a-sign-that-youre-not-keeping-up-the-trouble-with-hotmail-in-2018
>> No. 4018 Anonymous
24th January 2018
Wednesday 7:53 pm
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Thanks for the advice lads.

I tried a bunch of price comparison websites and the cheapest quotes I could get from them were a full £800 more than the cheapest quotes I got going directly through an insurer's website. These price comparison websites seem like a load of wank.
>> No. 4019 Anonymous
24th January 2018
Wednesday 8:49 pm
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>>4018
Insurers fucked them over by tricking the regulators into thinking they were anti-competitive.
>> No. 4020 Anonymous
3rd February 2018
Saturday 6:43 pm
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While the thread is near enough dead anyway I'll post my 2p.

I work in insurance and I've found a couple of key things matter:

1) Your postcode is one of the biggest rating factors besides your vehicle. If you live in a shit area then forget it. Most insurers use standard Experian mosaics now and will pull you similar prices.

2) When they ask for your vehicle value, overvalue it. It doesnt affect your premium and insurers usually pay market value for your vehicle in an accident or your specified value WHICHEVER IS LESS. Don't do yourself in an attempt to lower your premium

3) Your job matters an insane amount. State you're a courier, scaffolder, quarry worker etc to us and cover is a no go. Equally it affects your premium if you have an acceptable trade or job.

4) Be honest. Goddamn. I know insurers that specifically take on high risk clients because they know they'll lie about the policy and wont have to pay out. Don't give them the chance to screw you
>> No. 4021 Anonymous
3rd February 2018
Saturday 7:27 pm
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>>4020
>3) Your job matters an insane amount. State you're a courier, scaffolder, quarry worker etc to us and cover is a no go.
>4) Be honest.
What the fuck are they supposed to do then?
>> No. 4022 Anonymous
3rd February 2018
Saturday 9:56 pm
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>>4021
Bend over and present for inspection.
>> No. 4023 Anonymous
4th February 2018
Sunday 1:33 pm
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>>4021
Similarly:
>2) When they ask for your vehicle value, overvalue it.
>4) Be honest.
>> No. 4024 Anonymous
4th February 2018
Sunday 3:38 pm
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>>4023
There's a difference between saying you think your shitbox is worth a grand and saying your two-year old Focus is £30k.
>> No. 4025 Anonymous
4th February 2018
Sunday 6:04 pm
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>>4021

Find a different insurer. Different companies will have different risk appetites.

>>4023
Yeah, overvalue it within reason. My car is probably worth about £1k market value, but I'd value at £1.5k because it's in decent condition. Work to the top end of your scale.
>> No. 4026 Anonymous
4th February 2018
Sunday 7:29 pm
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>>4021
> State you're a courier, scaffolder, quarry worker etc to us and cover is a no go.

Why? do these people have more accidents when driving their personal cars?

Regarding area, I suspect that really posh places are the worst, if they are next to shit zones. E.g. in Solihull all the chavscum come over from Chelmsley Wood to go robbing.

My area (in my parents house) is not posh, but its a long way from any shit areas (or anything, really), and I pay less than £200 a year for a 11 year old mini.
>> No. 4027 Anonymous
4th February 2018
Sunday 8:24 pm
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>>4026


>Why? do these people have more accidents when driving their personal cars?

Yes, that's how insurance works. If you're in one or more groups that statistically claim more then you pay more.

Shift and night workers get it the worst, as they're more likely to be tired when they drive.
>> No. 4028 Anonymous
4th February 2018
Sunday 8:47 pm
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>>4026

>Why? do these people have more accidents when driving their personal cars?

Couriers often fib about using their car for business purposes. They're used to driving like a maniac to meet their deadlines.

Scaffolders and quarry workers both work in dangerous environments, which increases their tolerance for risk. IIRC, soldiers have the highest road traffic accident rate of any profession - they've been trained to ignore the voice in their head that says "don't do that, you'll get yourself killed".

There's also selection bias at play. The kind of person who decides to become a chartered accountant is probably also the kind of person who drives carefully.
>> No. 4029 Anonymous
4th February 2018
Sunday 10:50 pm
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How closely do insurance companies look over your employment history? E.g. what's stopping an unemployed person from saying she's a self-employed cleaner or summat to get much lower premiums?
>> No. 4030 Anonymous
4th February 2018
Sunday 10:53 pm
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>>4029

They won't look at it at all until you have an accident. If you've been telling porkies, they'll invalidate your policy. Insurers are quite happy for you to lie on the application - they still get paid, but they don't have to pay out your claims.
>> No. 4031 Anonymous
4th February 2018
Sunday 10:53 pm
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>>4029
They don't as far as i'm aware, i claimed i was an artist and got a reduction on my rates.
>> No. 4032 Anonymous
4th February 2018
Sunday 11:56 pm
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>>4030

So what do they do when you've had an accident? Do they start asking you to prove you're doing the job you claimed to be doing when you got insurance?
>> No. 4033 Anonymous
5th February 2018
Monday 12:06 am
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>>4032
No they do background research on you looking for any excuse not to pay.
>> No. 4034 Anonymous
5th February 2018
Monday 12:23 am
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>>4033

So how would they be able to prove that an insuree isn't working as a self-employed cleaner, handyman, labourer, or any similar cash in hand job? An unemployed person could conceivably pay £12 to register a company and save hundreds on insurance by calling themselves a company director.
>> No. 4035 Anonymous
5th February 2018
Monday 12:31 am
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>>4032

Firms like Experian have massive databases of personal information that they sell to insurance companies. An insurance investigation team will do anything from doing a quick Google of your name to sending a private investigator to follow you about, depending on the size of the claim and how fishy you look.
>> No. 4036 Anonymous
5th February 2018
Monday 2:13 am
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>>4034
>So how would they be able to prove that an insuree isn't working...
What makes you think they have to prove anything?
>> No. 4038 Anonymous
5th February 2018
Monday 3:52 am
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>>4036

Well, they've got to give you a reason for not paying out a claim or voiding your cover, don't they? And to do that they usually have to have some evidence in case you dispute it, no?
>> No. 4039 Anonymous
5th February 2018
Monday 11:37 am
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>>4038
Their reason is that they think the insured wasn't honest, and if you wanted to dispute it then it would be for you to prove it.
>> No. 4040 Anonymous
5th February 2018
Monday 6:40 pm
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>>4038
They don't need much evidence, this isn't a court of law.
>> No. 4041 Anonymous
5th February 2018
Monday 6:50 pm
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>>4040
Presumably that's where it'd end up if they started making shit up to deny claims.
>> No. 4042 Anonymous
5th February 2018
Monday 7:24 pm
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>>4041
They aren't making shit up to deny claims. They're holding you to the terms of the policy, which you read in full before agreeing to take it out, right?

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