Insurance - ballpark cost for 1 yr old LB garaged overnight?

[Steve65]

The algorithm factors in how desperate you are if it's very near or the day prior to renewal or to put it another way it is believed that an organised driver that is more in control of circumstances and plans well ahead is considered a lower risk. I'm not necessarily convinced of a connection but all I know is it certainly pays to get quotes early.

[renmure]

My STR insurance renewal came in today from Footman James and was up 60 quid on last year.

So, today I planned to phone around a few places to see if I could beat my FJ renewal which came in at ?410 for 3000 miles p/a and 135k agreed value.

The guy at Classic Line insurance stopped me in my tracks after a few mins saying they would be a minimum of ?1100 and more likely closer to ?1500 and that was before we clarified what he meant by, "is it modified"

My previous experience with Adrian Flux is that life is too short to go through the process so I skipped them.

FJ didn't offer any wiggle room for negotiation although I could save the ?60 by reducing the annual mileage from 3k to 2k. Given that I've just managed 2k miles in 3 years that might be sensible but I'm gong to be a devil and just go with the flow.

[Longtimefan]

So, Given that I've just managed 2k miles in 3 years that might be sensible but I'm gong to be a devil and just go with the flow.

Guys, I have it on very good authority that Jim (Renmure) lives in one of the most desirable postcode areas as far as vehicle insurance quotes go, so the majority of us are unlikely to see prices anywhere near what he is able to achieved. His figure is less than mine was last year on a lower valuation, and due for renewal shortly..!!!

[Longtimefan]

one of the most desirable postcode areas as far as vehicle insurance quotes go, so the majority of us are unlikely to see prices anywhere near what he is able to achieved.

To reinforce my comments regarding the place of Jim's abode, I have received my Insurance Renewal quote from FJ today and it has gone up twice as much as Jims'.

[renmure]

Honestly Robin, I live at the poor end of the street. There are 16 houses, 2 Euromillions winners, one UK Lotto winner, a few rich folk and then me and Wendy as the equivalent of The Clampetts. I think the insurance premiums of everyone in the neighborhood went up when we moved in and the sales of Ring Doorbells and CCTV systems went through the roof.

[Longtimefan]

Honestly Robin, I live at the poor end of the street. There are 16 houses, 2 Euromillions winners, one UK Lotto winner, a few rich folk and then me and Wendy as the equivalent of The Clampetts. I think the insurance premiums of everyone in the neighborhood went up when we moved in and the sales of Ring Doorbells and CCTV systems went through the roof.

you poor old thing, but I know your post code helps a great deal. We live in a code where there are at least 3 Range Rovers stolen each night.

[hollytree]

You want to try having a Bradford post code even though we are a good 30 mins drive away and the most numerous vehicles near to me are tractors

[hollytree]

You want to try having a Bradford post code even though we are a good 30 mins drive away and the most numerous vehicles near to me are tractors

If Steve Gregory finished his car then I would have some "company"

[LPH_UK]

Just checked and mine with FJ was an 8.5% increase on last year. Now ?422, was ?388.

[Longtimefan]

OK I'll throw my two penarth in, was ?489, now 610, an increase of 24.85% !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! so what I mean about post codes