Hi Guys

Just a quick question, Im currently looking for car insurance for my Bravo 1.9D and I have been quoted around £1350 which seems fine, I valued the Bravo at around £2500 but then I thought about it and I think that is abit on the cheap side. So I decide to increase the Value to around £4000 and basically the more and more I increased the price my car Insurance quote dropped around £100. I valued my Fiat Bravo for around £7500 in the end..

Would this affect my Insurance? Seems crazy that the price of the insurance went down I would have thought it go up...

Anyone ?

The value question always bothers me because they won't give you that value back if you wrote it off. They will have a book and the value you will based on average selling prices for cars of the same age etc. mine for example would probably be a write off for anything more than £2,000 if I'm lucky.

And that insurance is quite expensive? How old are you. My T-jet renewal price came through at £560 for fully comp and extras such as courtesy car, legal cover etc. that's for me AND the missus. I bet it's cheaper when I get around to looking at other places. (I never stick to the same company, always another company who are willing to offer you a better deal for your custom)

Matthewr1990 said:

The value question always bothers me because they won't give you that value back if you wrote it off. They will have a book and the value you will based on average selling prices for cars of the same age etc. mine for example would probably be a write off for anything more than £2,000 if I'm lucky.

And that insurance is quite expensive? How old are you. My T-jet renewal price came through at £560 for fully comp and extras such as courtesy car, legal cover etc. that's for me AND the missus. I bet it's cheaper when I get around to looking at other places. (I never stick to the same company, always another company who are willing to offer you a better deal for your custom)

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So if my car will be Valued at the Average price, When I can enter the Value price myself I put down £9500 and My Insurance Quote Dropped £100.

BravoCity said:

So if my car will be Valued at the Average price, When I can enter the Value price myself I put down £9500 and My Insurance Quote Dropped £100.

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I'm not even sure of it's use as yes they use a book to determine actual value, but lying on insurance documents could lead to a bad time. They may try and say you were being fraudulent with your value, I doubt they ever would but it's always best to be 100% honest with insurers because they will try and find any reason to not pay out on a claim.

And the reason it goes down is pretty simple. If you spend more money on a car, you're more likely to try and look after it. Kids who drive round In £400 Corsas aren't going to go care if they scratch their car against a Skoda in a shopping centre car park. Yet If you drive a £15,000 Audi for example you're gonna try and avoid doing so at all costs.

Matthewr1990 said:

I'm not even sure of it's use as yes they use a book to determine actual value, but lying on insurance documents could lead to a bad time. They may try and say you were being fraudulent with your value, I doubt they ever would but it's always best to be 100% honest with insurers because they will try and find any reason to not pay out on a claim.

And the reason it goes down is pretty simple. If you spend more money on a car, you're more likely to try and look after it. Kids who drive round In £400 Corsas aren't going to go care if they scratch their car against a Skoda in a shopping centre car park. Yet If you drive a £15,000 Audi for example you're gonna try and avoid doing so at all costs.

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Totally Agree, I will put down what Confused website has quoted my car is worth, I don't want the hassle.

BravoCity said:

Totally Agree, I will put down what Confused website has quoted my car is worth, I don't want the hassle.

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Trust me buddy. I've had it with insurers myself. I didn't declare window tints and got caught out big time. I even tried to use the old "I thought they were standard" trick to no avail. They halted my Claim. (They already had my car at this point), threatened to take the courtesy car back. Had to put it to underwriters to see if I should still get the claim approved. Who luckily agreed after a week that it didn't affect the incident and so didn't affect this claim so to speak. And then when I got the car back they wanted £350 payment for the window tints, because I now had a claim with them I had to adhere to their contract that I pay them a years insurance cost upfront if I wanted to cancel instead of paying for the tint premium. So I had to haggle with them and literally pay to have my tints removed so that I could send a receipt as proof that they were removed so they wouldn't charge me. Oh and they charged me £30 anyway for changing the policy from tints to no tints, even though they only changed it to tints because of an accident

Oh and bare all this in mind with the fact that the accident, wasn't my fault. A foreign Saco driver drove into the SIDE of my car. Whilst the missus was driving... And she was pregnant. Insurers knew all this, and still did all that to us.

Worst part about it, the claim took about 9 months to completely settle, why? Because the Saxo driver put in a personal injury claim for God damn whiplash. HE DROVE INTO US!

I Hate insurers. They really are evil. Not worth the risk mate.

give Adrian Flux a call...thet got mine for about£260,fully comp, paying monthly,with legal cover....loads cheaper than any of the comparison sites

chrismerriman63 said:

give Adrian Flux a call...thet got mine for about£260,fully comp, paying monthly,with legal cover....loads cheaper than any of the comparison sites

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I am currently with Flux Direct, I think they are apart of Adrian Flux.... However I am additional drive on the policy... Does the additional driver receiver a no claim discount too (Like the Main Driver) ? I have never made any claims.

Adrian flux is a broker so it depends who Your actually policy is underwritten by as to whether you earn your own NCD, however

If you are only a named driver but you are the main user of the car, then you need to change the policy so that you are the named policy owner, the practice of being a named driver on your own car and using someone else as the policy holder to cut costs it known as fronting and the insurance companies will not cover you if they find out.

As for setting the value of the car, never accept the insurance company's value as this is usually set at a trade price, always value the car at what you would expect to have to pay to replace it, look for similar cars on autotrader or dealers forecourts and use that as a price, if you under value the car then the insurance company may only agree to pay that lower figure if you've valued it at £4000 and that's a reasonable cost to replace your car then they are a obliged to pay out at that figure, if you set it at £9k they will say you're taking the **** and again only pay out the minimal value.

BravoCity said:

I am currently with Flux Direct, I think they are apart of Adrian Flux.... However I am additional drive on the policy... Does the additional driver receiver a no claim discount too (Like the Main Driver) ? I have never made any claims.

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Hi,

Named drivers do not accrue their own NCB on our policies. The policy holder is the one that earns the NCB.

Kind regards,
Dan.

Dan at Adrian Flux said:

Hi,

Named drivers do not accrue their own NCB on our policies. The policy holder is the one that earns the NCB.

Kind regards,
Dan.

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Check Inbox.

Hello I'm newbie here and I just want to know what kind of rates is everyone getting for an Fiat 500? Right now I'm getting $110 a month which seems expensive no ?... Im late 20's and single. No accidents or claims. I ve searched in this forum for best deals but all I can read is only quotes for British companies like in this thread about best car insurance deals but only from UK, I'm from USA, thank you

Therese said:

Hello I'm newbie here and I just want to know what kind of rates is everyone getting for an Fiat 500? Right now I'm getting $110 a month which seems expensive no ?... Im late 20's and single. No accidents or claims. I ve searched in this forum for best deals but all I can read is only quotes for British companies like in this thread about best car insurance deals but only from UK, I'm from USA, thank you

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Wrong forum buddy - This is for Fiat Bravos - navigate to the 500 forum and you might get a half decent response.

I doubt what we in the UK are paying for insurance will reflect what you have to pay across the pond however.

Therese said:

Hello I'm newbie here and I just want to know what kind of rates is everyone getting for an Fiat 500? Right now I'm getting $110 a month which seems expensive no ?... Im late 20's and single. No accidents or claims. I ve searched in this forum for best deals but all I can read is only quotes for British companies like in this thread about best car insurance deals but only from UK, I'm from USA, thank you

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Well whilst I know you're in the US, I'm paying £350ish a year on my 1.2 500. I'm 21, couple years NCB. No accidents either.
Theres another forum (not sure if I can post the name!!) but they're more US based, so may be worth asking on there

Matthen said:

Wrong forum buddy - This is for Fiat Bravos - navigate to the 500 forum and you might get a half decent response.

I doubt what we in the UK are paying for insurance will reflect what you have to pay across the pond however.

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Yeah... thanks buddy :slayer:

Noxide said:

Well whilst I know you're in the US, I'm paying £350ish a year on my 1.2 500. I'm 21, couple years NCB. No accidents either.
Theres another forum (not sure if I can post the name!!) but they're more US based, so may be worth asking on there

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Okay so no USA insurance here, I will check it on google but I stay in this community for other topics, thank you

Therese said:

Okay so no USA insurance here, I will check it on google but I stay in this community for other topics, thank you

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Yeah, if you wanna know which forum I mean drop me a private message

THis community is great for everything else! Not many members from across the pond though!