Author Topic: Best Insurances for Jazz?  (Read 15395 times)

RE Spirit

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Best Insurances for Jazz?
« on: August 18, 2017, 05:27:07 PM »
Hi all,

I'm currently paying £550 for my Integra DC5.

Currently, 29 with 9 years NCB and I'm getting quotes for the Honda Jazz at around £700 fully comp with legal, courtesy etc.

Just wondering what everyone else is paying for their Jazz insurance?

Jocko

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Re: Best Insurances for Jazz?
« Reply #1 on: August 18, 2017, 05:50:53 PM »
I paid £231.84, fully comp, with Sainsbury's Bank. I too have 9 years NCB.

TonyS

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Re: Best Insurances for Jazz?
« Reply #2 on: August 18, 2017, 06:22:54 PM »
You may also have 9 years NCB but I guess from your other posts you like me are somewhat in excess of 29 years old which no doubt makes a significant difference as does location.

Jocko

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Re: Best Insurances for Jazz?
« Reply #3 on: August 18, 2017, 06:51:05 PM »
Once you are past 25 age doesn't make a great difference. And at my age the risks are on their way back up! My occupation, as far as the insurance is concerned, is as a part time courier driver, which doesn't bring my premiums down. What can make a big difference is your post code. Car crime in Fife is below the national average, with only 25 cars in every 10,000 involved in theft of, or theft from.

VicW

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Re: Best Insurances for Jazz?
« Reply #4 on: August 18, 2017, 07:09:15 PM »
What can make a big difference is your post code.

When trawling for quotes at renewal time I have on more than one occasion been told by the 'expert' on the other end of the phone that my NG postcode means that I live in Nottingham. They totally ignored the numbers after NG and quoted ,highly, because of it. I live in mid Lincolnshire.

Vic.

Jocko

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Re: Best Insurances for Jazz?
« Reply #5 on: August 18, 2017, 07:21:29 PM »
When I first insured the Jazz I still had the Volvo, on another policy, with another company. This year I only had the Jazz, so they put my premium up. Their reason, "If a thief breaks into your house and there are two sets of car keys there is a 50% chance they will take the other car". I said, "That's fine. I'll find insurance elsewhere". Surprise, surprise. They came back with a quote without the surcharge.

guest4871

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Re: Best Insurances for Jazz?
« Reply #6 on: August 18, 2017, 10:07:15 PM »
Go to a cashback site like Topcashback and get a quote. Don't go to a price comparison site on Topcashback! Chose a proper insurance company unless you really want the cheapest (which might not be the best buy). Before you go onto the cashback site delete your cookies so the purchase tracks OK. Then you'll get a good quote and cashback! Next year do the same but chose a new insurer! I pay under £200 pa for the full works.

guest5079

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Re: Best Insurances for Jazz?
« Reply #7 on: August 19, 2017, 11:06:24 AM »
The question of Insurance quotes is a minefield and recently having had enough of EDF expecting me to subsidise the French I went to a comparison site. Part of the searching for a reasonable electricity supplier, they bombarded me with car Insurance blurb.
I did some checking and whilst I could decrease my premium by quite a bit, I found that things like a £350 excess were involved.
A couple of months prior to renewal I had molten metal 'collide' with my rear screen from where I know not, however I was told by a windscreen firm that no way would my insurer pay for it as it wasn't broken. On checking my policy I found that I was covered. Replaced at NO cost to me.No excess on glass replacement. I have a protected NCB of  more than 22 yrs ( from my insurer, it seems this is as far they go back). The cost of that screen according to LIngs is circa £200 plus rubbers and Honda parts UK was in excess of £250. plus fitting.No excess on glass replacement.
The point, yes I could save money on my policy BUT what I had saved with an excess of say £150 would have not been a saving. Besides even RSA on the comparison site wanted more than I pay for comparative insurance. Who am I insured with? RSA. We have friends who go for the cheaper insurance but when  a screen broke they found they were not covered. I paid my latest premium without a second thought. My excess is £50 that is for accidental damage including little Henry after a skinful keying the car/fire and theft, if I have it increased to £100 I can save £50 on my premium but SODS law he decree, that I would have a bump. Unfortunately as Jocko points out due to age premiums start to increase. It is very much horses for courses.

olduser1

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Re: Best Insurances for Jazz?
« Reply #8 on: August 19, 2017, 12:12:02 PM »
Take look for car insurance guide on MSE Martin Lewis's website, loyalty means nothing these days neither does protected NCB so hunt down a deal with a company you trust recognise and do not click auto renew.
Good hunting

guest6491

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Re: Best Insurances for Jazz?
« Reply #9 on: August 20, 2017, 01:21:32 PM »
Try brentacre . They insured my jazz under £400

guest5079

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Re: Best Insurances for Jazz?
« Reply #10 on: August 22, 2017, 03:18:38 PM »
I come into the category whereby age means an increase in premiums.
I get an awful lot from RSA for just around £400. For example I asked that european cover was taken off NO its all part of the package.  It does help having my little piece of card stamped Police driving permit. Even if it's well out of date.

sparky Paul

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Re: Best Insurances for Jazz?
« Reply #11 on: August 22, 2017, 07:01:11 PM »
Go to a cashback site like Topcashback and get a quote. Don't go to a price comparison site on Topcashback!

It's worth trying several comparison sites to find the best site for your own set of circumstances. If you punch your details into 3 or 4 of these sites, you will get 3 or 4 different premiums - and from all the exact same companies.

Sadly, for me the Topcashback compare works out more expensive than the cheapest, even with the cashback taken off. Confused seems to be the cheapest for me recently, I insured the Galaxy this year for £149, with class 1 business use.

madasafish

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Re: Best Insurances for Jazz?
« Reply #12 on: August 22, 2017, 08:12:42 PM »
Saga £210..

sparky Paul

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Re: Best Insurances for Jazz?
« Reply #13 on: August 22, 2017, 09:02:34 PM »
Going back to the OP, £700 does sound rather a lot, even for a 29 year old without any sort of adverse endorsements.

Insurance companies do load your premium for a change of vehicle, a discount is applied which depends upon the length of time you have owned the car. Try it when fiddling with the comparison sites - get a quote for 'not yet purchased', then run it again saying you have owned the vehicle 5 years and see the difference.

The obvious answer is to try as many of the comparison sites as you can bear, unless you do have the complication of any points or convictions, in which case a specialist broker may be the best way to go.

culzean

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Re: Best Insurances for Jazz?
« Reply #14 on: August 23, 2017, 09:42:56 AM »
The obvious answer is to try as many of the comparison sites as you can bear, unless you do have the complication of any points or convictions, in which case a specialist broker may be the best way to go.

A broker can be very helpful,  a sort of human 'go compare' - they are becoming rarer due to competition from online sites but a good local broker can save you a packet.  I used a local broker for years and then went with AA because I already had home insurance with them they offered a lower price for my car,  but a couple of years later AA price went up and they would not reduce it (no reason given, and no accidents or change in circumstances still full 9 year NCB),  went back to my broker and got a much better deal.

A lot of people find out the hard way that online deals and purchases are not the cheapest any more - for instance your local motor factor can be much cheaper for tools and parts than Amazon or e-Bay,  if you take the time to find out.
Some people will only consider you an expert if they agree with your point of view or advice,  when you give them advice they don't like they consider you an idiot

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