Ive had enough of paying too much insurance!!

zahir_213 · Post by **zahir_213** » Wed Jul 13, 2005 6:57 pm

Hi all,
Ive pretty much had enough of paying stupid prices for insurance on my 6n2 SDI polo. Just because its a 1.9 Diesel the insurance company bump the price up even though its not a turbo!! The same polo but maybe a 1.2 will be 300 quid less. How does this work when my car is only 64 bhp????!!!!!! It not exactly fast enough to bump the price up even though the engine is bigger.

Im considering changing the car ASAP, maybe another polo??? 1.2 springs to mind. Whats everyones views on the 1.2 or 1.4 9n Polo? I really want another diesel though, but Im not prepared to be ripped off.

I was also considering leaving VW and getting a Corsa or maybe a 206. I really don't want to, but its not about being ripped off by insurance companies.

Really don't know what to do, any advice would help??

cheers

PhilGTi · Post by **PhilGTi** » Wed Jul 13, 2005 7:01 pm

Get your mum on your policy...

I pay Â£470 fully comp on my Polo GTi, im 19.

Phill.

zahir_213 · Post by **zahir_213** » Wed Jul 13, 2005 7:23 pm

wow, is that using her no claims??

mikegti · Post by **mikegti** » Wed Jul 13, 2005 7:32 pm

polosilver wrote:Get your mum on your policy...

I pay Â£470 fully comp on my Polo GTi, im 19.

Phill.

is that with you as the main driver? mine's more than that and i'm 26, 3 pts, 3 years ncb (maybe 4, can't remember)

Although I agree with you, when I added my mum on it got cheaper!

PhilGTi · Post by **PhilGTi** » Wed Jul 13, 2005 7:36 pm

Bit of a long story, mine and my mums policies where both due for updating so rather then her using her no claims on her car she just got a policy using no noclaims... I used her no claims on my policy with her as main driver and me as aditional driver. We did this last year so her own policy now has 1 years no claims built up again.

Everyone says yeah but when you get your own policy it will be loads, but why do i need to, her other policy is building up no claims nicely! So in 3 years we will have 2 policies with full no claims!

Sorted!

PS Im with privalage, they are excellent!

Phill.

TDi-polo · Post by **TDi-polo** » Thu Jul 14, 2005 8:27 am

i went from a 1.0l Lupo to a 1.9 TDi and my insurence is only Â£200 more than what it was on my loop, i think it will proberly cost you more to swap your car
tbh.

Dave.

Jillwilson · Post by **Jillwilson** » Thu Jul 14, 2005 8:44 am

i'm 19 only just got 2 years no claims driving a 1.2 polo 9n and its costing me Â£650.
Under my name fully comp.
x

dino · Post by **dino** » Thu Jul 14, 2005 9:56 am

im 18 with nearly two yrs ncb (one year from bike which norwich union carried over) on a 52reg 9n polo 1.4 tdi and i pay Â£880 fully comp in my name.

By the way guys n gals do you realise having someone else (ie mum) as the main driver and you as additional, when you are the main driver is insurance fraud?

Unless the main driver use's more than you its ok but if the main driver doesn't use the car often or at all then you are commiting insurance fraud and therefore can make your policy invalid.

zahir_213 · Post by **zahir_213** » Thu Jul 14, 2005 1:45 pm

yeh I know mate, thats why Im trying to get my own policy, so i can build up no claims too. Did you declare that your car has the votex kit when taking out your insurance?

stuart_hatch · Post by **stuart_hatch** » Thu Jul 14, 2005 3:12 pm

dino wrote:im 18 with nearly two yrs ncb (one year from bike which norwich union carried over) on a 52reg 9n polo 1.4 tdi and i pay Â£880 fully comp in my name.

By the way guys n gals do you realise having someone else (ie mum) as the main driver and you as additional, when you are the main driver is insurance fraud?

Unless the main driver use's more than you its ok but if the main driver doesn't use the car often or at all then you are commiting insurance fraud and therefore can make your policy invalid.

Pfft how will they know?

PhilGTi · Post by **PhilGTi** » Thu Jul 14, 2005 3:35 pm

Its NOT illegal at all, its just not proper... i can face being not proper to save Â£1000 thanks...

Phill.

dino · Post by **dino** » Thu Jul 14, 2005 4:09 pm

zahir_213 wrote: Did you declare that your car has the votex kit when taking out your insurance?

No as i was told there was no need to.

dino · Post by **dino** » Thu Jul 14, 2005 4:12 pm

polosilver wrote:Its NOT illegal at all, its just not proper... i can face being not proper to save Â£1000 thanks...

Phill.

What im saying is that it can still invalidate your policy if they were to find out as you are breaking your insurance policy terms of being the main driver when your not down as the main driver. But its up to you and i'm just stating the point.

stuart_hatch · Post by **stuart_hatch** » Thu Jul 14, 2005 4:24 pm

Id prefer to be main driver too, but when it saves me Â£500-600 i mean come on

dino · Post by **dino** » Thu Jul 14, 2005 4:32 pm

Insurance fraud IS illegal so therefore being an additional driver when really your the main driver is illegal. I have even checked with a lawyer at work who has also confirmed this for me.

Out of interest who is your car registered too?