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Car Insurance

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By (user no longer on site) OP   
over a year ago

Just been looking at car insurance

somehow its cheaper to insure a Pontiac Firebird than it is to insure a Mondeo

why

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By *iercedItMan
over a year ago

North West

When I first passed my test, I had a 1989 1.0 Polo Boggo, and the insurance was £3k, however if I bought a 1997 Fire Red 5.0l Camero, it was £1,100.

An insurance broker told me, you crash one of them your dead and we don't have to pay out, crash the other and we get a bill.

Same reason motorbike insurance is cheap haha.

Try Darwin Insurance they got me a killer deal on my last 2 Cars, both around 200bhp cars.

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By (user no longer on site)
over a year ago


"Just been looking at car insurance

somehow its cheaper to insure a Pontiac Firebird than it is to insure a Mondeo

why "
mad isn't it its cheaper for my cossy than my focus

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By (user no longer on site) OP   
over a year ago


"When I first passed my test, I had a 1989 1.0 Polo Boggo, and the insurance was £3k, however if I bought a 1997 Fire Red 5.0l Camero, it was £1,100.

An insurance broker told me, you crash one of them your dead and we don't have to pay out, crash the other and we get a bill.

Same reason motorbike insurance is cheap haha.

Try Darwin Insurance they got me a killer deal on my last 2 Cars, both around 200bhp cars. "

Cheapest I could find was for a Saxo probably because theere arent many left because most of them where rolled about 10 years ago

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By *ools and the brainCouple
over a year ago

couple, us we him her.

More Mondeo's on the road= more claim's making it a higher risk vehicle.

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By *rying2niteMan
over a year ago

Egremont

Plus, the vast majority of american cars in the uk are second vehicles, and therefore not driven daily, making them much less likely to be involved in an accident, also, the owners of such vehicles are generally enthusiasts and not as likely to drive them like twats

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By *iercedItMan
over a year ago

North West

[Removed by poster at 14/12/22 21:24:28]

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By *iercedItMan
over a year ago

North West

See if you can diddle with your job title.

If your a sales rep for a mobile phone company, see if swapping to a Telesales for a tech company and such makes a change. The more fixed and normal your job is the cheaper it is, just don't lie blatantly.

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By *riskynriskyCouple
over a year ago

Essex.


"See if you can diddle with your job title.

If your a sales rep for a mobile phone company, see if swapping to a Telesales for a tech company and such makes a change. The more fixed and normal your job is the cheaper it is, just don't lie blatantly. "

You have to be careful with that as insurance companies use any excuse not to pay out.

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By (user no longer on site)
over a year ago

It is indeed - and I have both.

It all comes down to statistics.

More Mondeos have been involved in accidents than Firebirds have.

The fact that Firebirds are incredibly rare here is irrelevant.

It's also going to be based on the fact that the majority of those insuring the Firebird are likely to have an interest in cars and possibly more inclined to be careful with their car than the mondeo driver.

Essentially, your insurance premium all comes down to the risk, to the insurance gompany, of you making a claim

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By *ttmcdguyTV/TS
over a year ago

Milton Keynes

An insurance premium is judged by statistics of the vehicle

Ie possibly 1000 mondeos to 1 firebird

So in the uk the mondeo will obviously had more claims against it than a firebird hence the higher premium

Ps my 77 bandit trans am is only £112 a year to insure where as my bmw is £480 per year

Here is a little insurance hack for people

I recently insured a van for my 19yo son to drive as a named driver as he couldn’t go on the company policy due to age and no insurance of his own

£7.5k ffs

I added 12 named drivers and the premium came down to £1500

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By (user no longer on site)
over a year ago

Depends on what gen it is

If it’s a gass crisis one then

The reason with is that big lump is only turning out like a 130 pony’s

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By *iercedItMan
over a year ago

North West


"

You have to be careful with that as insurance companies use any excuse not to pay out."

Long as it still representative of your job it should go fine.

The article we provided was more about cutting out sub contractors, so like if you are a gas tech and subtracted to local council via a facilities management company, you could try local authority, government, or facilities management.

Within most businesses, your job requirements change, so you could have started as a receptionist, and now be more in admin, or maybe your more working for 1 person so perhaps more personal assistant. so jiggling is mere reporting a change in job.

But yeah definitely don't get outlandish.

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By (user no longer on site)
over a year ago

The algorithms that churn out risk take into account all sorts of weird factors that make seemingly more expensive cars, cheaper to insure. I have a low milage Lotus from last century, it costs me £120 to insure. Because they know, that some cars with certain attributes (age, milage) are lower risk because they are clearly treasured items that the owner will not risk damaging, and thus the driver of them is seen as lower risk. If you car is rare, chances are it's owned by an enthusiast, and enthusiasts typically make fewer claims that Jonny commuter. Also, some insurance companies like to keep certain rare cars on the cheap list, so they can use those figures in marketing to say "You could save £700 switching to us! (If you have this rare care that practically no-one has...)

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By *riskynriskyCouple
over a year ago

Essex.


"

You have to be careful with that as insurance companies use any excuse not to pay out.

Long as it still representative of your job it should go fine.

The article we provided was more about cutting out sub contractors, so like if you are a gas tech and subtracted to local council via a facilities management company, you could try local authority, government, or facilities management.

Within most businesses, your job requirements change, so you could have started as a receptionist, and now be more in admin, or maybe your more working for 1 person so perhaps more personal assistant. so jiggling is mere reporting a change in job.

But yeah definitely don't get outlandish. "

When I rode bikes I read a story about aguy with 2 bikes, insured through the same company.

He was a courier and a chauffeur, he insured his bikes, declaired everything he needed to but when he came to make a claim they refused to pay out because they had listed one bike saying he was a courier and the other stating he was a chauffeur.

They made out that he was had gained insurance fraudulently.

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By *ttmcdguyTV/TS
over a year ago

Milton Keynes


"

You have to be careful with that as insurance companies use any excuse not to pay out.

Long as it still representative of your job it should go fine.

The article we provided was more about cutting out sub contractors, so like if you are a gas tech and subtracted to local council via a facilities management company, you could try local authority, government, or facilities management.

Within most businesses, your job requirements change, so you could have started as a receptionist, and now be more in admin, or maybe your more working for 1 person so perhaps more personal assistant. so jiggling is mere reporting a change in job.

But yeah definitely don't get outlandish.

When I rode bikes I read a story about aguy with 2 bikes, insured through the same company.

He was a courier and a chauffeur, he insured his bikes, declaired everything he needed to but when he came to make a claim they refused to pay out because they had listed one bike saying he was a courier and the other stating he was a chauffeur.

They made out that he was had gained insurance fraudulently."

There is a section on all insurance where they ask you to list other occupations

So technically he has committed insurance fraud

As he should of put his other jobs on each policy

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