Clubjazz - Honda Jazz & HR-V Forums
Honda Jazz Forums => Honda Jazz Mk2 2008-2015 => Topic started by: guest7155 on November 07, 2017, 10:58:21 AM
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Hi, I have only had my Honda Jazz EX CVT 2011, since September, I think my insurer thinks I have a Ferrari, so I would like to find a cheaper insurance company. I am 67 full no claims.
Would appreciate any help and advice.
I bought the Honda Jazz, as what I thought was going to be cheaper to run than my previous vehicle, which was a Renault Trafic minibus, which was wheelchair accessible for my Wife's wheelchair, my Wife passed away in December 2016, so very reluctantly, I could no longer afford to run the Renault , so deceided on the Honda, but this seems to be at the moment just as costly, insurance wise.
So any help and advice please, thank you
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Use a Price Comparison website or three..If you have >5 years NCB and don't live in a major city, then £250 or less should be attainable.
Edit: I am 70, use Saga and pay under £220 fully comp , 10+years NC
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Hi,
I recommend nfu, phone and speak to a human, my quote from them is cheaper and each year it has actually gone DOWN,, good company to deal with,
Chris
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I use Sainsbury's Bank. Last year, with no NCB (it was a second car), it cost £280 for fully comp.
This year, with 70% NCB, protected NCB and lower excess cost me £230. I am 69 years of age.
I used Go Compare and selected the cheapest that suited my requirements, and a company I had heard of!
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Well I never pay more than about £160, 64 full NCD, NC protection etc. It may be my postcode helps as that can have a bearing. Also I park on my drive overnight but I'm still working which may or may not make a difference as I have to have it insured also for business use. I try the comparison sites and mostly find Compare the Market comes up the best. As I also get two for one cinema tickets and a Meerkat toy but they do not influence me at all.
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Thank you all very much, for your very helpful replies.
I went on to confused.com got cheapest quote with the AA £237, so I am very pleased with this, considering what my previous company were charging, that company have also just charged me £79 to cancel my policy, I told them they should be called Trump insurance as they want to be Billionaires over night.
But I am very happy with the quote, which I have accepted now.
Thank you all very much again for your help
PS, Just an update, I thought that my previous company were charging me £79, to cancel the policy. I then checked my credit card on line, they have actually charged me £179, I phoned them straight away, told them this is absolute daylight robbery, I said at least Dick Turpin wore a mask, they still as yet, have not given me a breakdown, as to how they can justify these charges
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When I spoke to my insurers, on the phone, I told them the car was garaged overnight, and they said it made no difference. The single biggest factor was the post code.
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I'm 70, full NCB and have found LV good on price and service.
Beware just accepting a renewal quote, many companies rely on inertia and blind acceptance. Always haggle, and be prepared to move away to another co. - works wonders.
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When I spoke to my insurers, on the phone, I told them the car was garaged overnight, and they said it made no difference. The single biggest factor was the post code.
As I have said on here before I have three times been quoted for Nottingham city because I have an NG postcode,totally ignoring the numbers after the NG. It is, in fact, in Lincolnshire.
Vic.
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When I spoke to my insurers, on the phone, I told them the car was garaged overnight, and they said it made no difference. The single biggest factor was the post code.
As I have said on here before I have three times been quoted for Nottingham city because I have an NG postcode,totally ignoring the numbers after the NG. It is, in fact, in Lincolnshire.
Vic.
I wonder if that, is my problem? I live in a quiet part of Derbyshire. With an S, (Sheffield), postcode.....
I have, never, had a sensible quote, from Saga. Or many similar, others.
My renewal, with More Than. Up £60. To £286..... Saga quote, £311.
Quotemehappy, £209...... :D
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This site here shows you how the insurance companies set your risk via post code.
http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php (http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php)
Once you look up your letter code (such as NG) you just add the number to show the insurance risk.
I am going to be moving from a B to a D* and hate to think what that will do to my premiums.
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This site here shows you how the insurance companies set your risk via post code.
http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php (http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php)
Once you look up your letter code (such as NG) you just add the number to show the insurance risk.
I am going to be moving from a B to a D* and hate to think what that will do to my premiums.
Which puts me, as a C rating. Which answers a lot of my doubts.......
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WOW, i'm in an E, very respectable quiet area, never had any trouble or break ins, £300 renewal quote with full ncb. !!
Might try using mother in law's address, B, only half an hour away !!
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Might try using mother in law's address, B, only half an hour away !!
Not advised. That would be considered a fraudulent proposal and your insurance would be null and void.
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Not if she was the registered owner and put me down as a named driver ?
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She has to drive it more than you ;D
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Not if she was the registered owner and put me down as a named driver ?
No. But then she would have to be the PRINCIPLE driver, a mistake lots of parents make when they insure cars in their names for their offspring to drive. Still renders the policy null and void!
Add to that the fact that every insurance proposal form I have filled in, in recent years, asks "Where is the vehicle parked, overnight?". I take it you wouldn't run it round there every night?
Of course, you could say it was only parked there the night it was stolen/struck or whatever. Then the insurance guy asks the neighbours and the chap who's "spot" you once parked in says, "Oh, it's there every night". Not worth the risk to save a few pounds.
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Not if she was the registered owner and put me down as a named driver ?
You have to be really careful that you are not the main driver when you are added as a named driver to an insurance policy, if your mom does not drive the car more than you do, and the car is not kept at their address you may be accused of 'fronting' and the insurance is void, plus you may lose 6 points off your licence, also you will probably not build up any no-claims as a named driver, but this varies between companies.
Avoid fronting
The final thing to be aware of when it comes to named driver insurance is to avoid what is known as ‘fronting’.
This is when you are on the insurance policy for the vehicle in question as a named driver when in fact you are the main driver.
If you have some kind of accident, try to claim, and are caught out fronting, not only will your claim be made invalid but you will find any insurance you take out in the future far more expensive as a result. You could also receive six points on your license which, for younger drivers, equals and instant ban.
So as long as you avoid fronting and take note of the potential effects on your no claims discount (or lack thereof), then named driver insurance could be just what you need to get yourself on the road at a low cost.
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Following this post, i have just checked what I pay for a risk B area and it was £487 with NFU back in March, for myself (retired) and my daughter (IT Manager aged 44) My daughter is only on the policy, for emergency reasons and doesn't normally drive this car.
I am staggered by the lower cost, quoted by some of our members and quiet obviously I will be looking elsewhere, come next years renewal.
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Been with Direct Line for years, always check the comparison sites each year when my renewal is due and usually cannot get any cheaper, however this year they wanted £46 more than last year, got some quotes from the other companies and phoned DL they immediately matched the cheapest quote so I paid £256.48, the guy told me to always phone them if the renewal is too large as it is computer generated and they can always give a better deal.
Out of interest when I changed from the Jazz to the Civic my insurance actually went down and I got a small rebate which given the difference in engine size and value of the car I was not expecting.
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Following this post, i have just checked what I pay for a risk B area and it was £487 with NFU back in March, for myself (retired) and my daughter (IT Manager aged 44) My daughter is only on the policy, for emergency reasons and doesn't normally drive this car.
I am staggered by the lower cost, quoted by some of our members and quiet obviously I will be looking elsewhere, come next years renewal.
My brother was with NFU for years and then he left because they were ripping him off.......... message seems to be never stay with same insurer for too long (they will rip you off) and make use of 'introductory offers with other insurance companies, which as name suggests are low to attract new customers.
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Been with Direct Line for years, always check the comparison sites each year when my renewal is due and usually cannot get any cheaper, however this year they wanted £46 more than last year, got some quotes from the other companies and phoned DL they immediately matched the cheapest quote so I paid £256.48, the guy told me to always phone them if the renewal is too large as it is computer generated and they can always give a better deal.
Out of interest when I changed from the Jazz to the Civic my insurance actually went down and I got a small rebate which given the difference in engine size and value of the car I was not expecting.
I wonder what the guy used to calculate the premium?
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I know my insurance renewal is not due until March 2018, but today thought I would check with one of the well known comparison websites to see what the latest quotes are.
I was again staggered to find that quotes varied from £583 up to £2125, mostly from companies I had never heard of.
What is going on? The cheapest quote at £583 is £100 more, than I paid last March.
OK, i'm turned 80 and have been driving for 63 years and probably covered well over 500,000 miles in that time, with never a major accident, in fact non that was my fault.
The most recent bump was November 2015 when someone ran in the back of me whilst I was stationary, again not my fault.
You may say,'well do did make claim' Yes, but I have protected NCB, so future renewals should not be affected.
Two word spring to mind 'Rip & Off'. Someone mentioned that the insurance group for an Mk3 EX has gone up.
Perhaps our Adrian Flux rep, might like to comment?
Regards Ken T
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If you are involved in an accident that your insurance company are aware of your premium will go up, blameworthy or not, NCD or not.You have become a statistic.
It is becoming necessary to consider whether NCD is cost effective.
Vic.
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Many thanks Vic, like I said it's becoming a RipOff!
If we are paying extra for Protected NCB and not getting it, then in my opinion, that is fraud.
If you are right in your assertions, then we have no control over our insurance destiny and it's all down to the other guy!!!
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With protected NCB the no claims bonus is protected - NOT the premium.
So if you have a premium one year which is £1000 less a protected no claims bonus of 70% the amount you pay £300.
Next year, if your premium goes up because a claim (even if it is not your fault but you appear to be a higher risk e.g. you appear prone to have someone else collide with you) and the premium becomes £1500, then your protected no claims bonus stays at 70% and the amount you pay is £450. Without that protection and with a scale reduction of your no claims bonus to, say, 50% you would pay £750.
A bit difficult to explain but I think I have it right. (The numbers, of course, are only for example).
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Hi,
Unfortunately due to the well documented reasons all over the press in the last 12 months insurance premiums and insurance premium tax has increased substantially I'm afraid.
Legislation was also bought in to clear up any misunderstanding regarding protected NCD and to exactly what it offers etc. This information should be clearly explained in your policy wording.
Regards,
Dan.
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My Civic insurance with AA (somehow they sneaked auto renewal past me, but I cancelled it) went from £213 last year to £316 this year. I went back to same local Broker I used for many years and got same cover for £270 including legal cover. I told AA not to re-quote me as it was obvious they tried the normal auto-renew ripoff. They justified increase by quoting 2% increase in government tax.
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It's called "fronting"... if you are the main driver you should be the person insured. Car Insurance companies hat fronting with a vengeance and if discovered will void your insurance.
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as a new Jazz EV CVT owner I was interested when my first annual quote came ,
as previously had just updated the cover from a Yaris to the Jazz,
with breakdown cover,hire car,protected NCB ,the cost is £246,
with One Call insurance,in the past they have done very reasonable renewals,hardly any difference from the
previous year.
not made a claim,so can't comment on how good they are ,but OK so far
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Hi,
If anyone does ever need any help with insurance at all then please feel free to drop me a line.
Regards,
Dan.
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hi woody, im 70 with maximum ncb and I have a 2015 jazz si and I paid £207 with the RAC. I know its a different spec to yours but it shouldn't be that far out.
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just quoted £216.0 fully comp with legal/ protected ncb and courtesy car/ 9 yrs ncb on jazz 2010 ex auto thats with AA, Quoted £329. with Direct line same cover CRAZY!!!
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As a new driver, for a 25 yr old female such as myself, best quote was around £900, and it goes up to 2k for other quotes. :o
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When my daughter passed her test, and came to insure her old mini, she was able to secure a six month insurance, with no claims bonus starting for the second six months. Made a huge difference for a first time insurer.
(https://i.imgur.com/cBRkDYI.jpg)
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I've just re-insured my car, although not comparable due to value/circumstances (£156 fully comp, SDCP, 9+ NCD,
£200 excess, parked outside). The interesting part was in the exclusions, I checked to make sure driving other cars, windscreen chips, and green card was included but take note of what is excluded:
- Loss or damage resulting from incorrectly maintaining or fuelling the car or from the use of substandard fuel, lubricants or parts.
- Loss or damage caused by any mechanical or electrical, electronic computer or computer software failures, breakdowns, faults or breakages.
- Loss.... as a result of someone taking it by fraud or trickery while pretending to be a buyer.
- Damaged or broken glass in panoramic glass roofs.
I guess the first one is really aimed at the people running diesels on chip fat, the second one is a little broad but seems to exclude self-combusting Vauxhall Zafiras (http://www.bbc.co.uk/news/business-39738302) but the glass roof exception might affect some EX owners.
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TG
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