I own a 1.1L Punto 55S 5dr - Basic of basics.
I was quoted £1700 by I-kube last october when I passed my test (more than what some people on the forums are saying they got quoted for 1.2's etc in the first place) but I went with them and I only went over the 11PM driving time once between then and Mid-March when my head-gasket decided it no longer wanted to do its job.

We (me and mum) pondered for a couple of weeks deciding whether to keep the insurance running whilst and get the car repaired, but my mum really didn't want to be forking out £150+ a month for a car not on the road. Completely understandable since we didn't know whether we were going to scrap the car anyway.
So, we cancelled the insurance and claimed back the tax and SORN'd the car as it wasn't going anywhere in its current state.

However, I ended up in hospital on drips and very stong antibiotics for the two weeks easter holidays (Yeah, gutted) after I managed to get a deadly virus in my blood stream, and we decided to get it fixed so I had some freedom when I got out of hospital.

But, after just 3 weeks of having no insurance, I-kube decided to put up my insurance quote by £5300 - All the way to £7000!!! :bang::bang::bang:
Which is therefore more expensive than the £6000~ i'v been qouted by normal no-restriction policies on gocompare etc. What a nice gesture.

I have been driving tractors since I was 14 on a friends farm driving a brand new (at the time) John deere(Just on private land, I'm not a law breaker) and also got my tractor license when I was 16 with no minors on the test. I then went to work driving for an agricultural contractor, driving tractors worth over £150,000 around the North West.
I am an experienced driver (have driven with 40ft arcticulated truck converted trailers carrying diggers etc) and have a good reputation for driving well and having 'great control over the machine' quoted from my, at the time, boss. I have my head screwed on all the time and I don't **** about on the roads or anywhere else and technically have 3 years NCB after not hitting a single thing in all the time I have been driving. But this makes absolutely NO difference to insurance prices at all which I think is wrong in the first place.
Yet even after driving 9Litre £100,000 John deere's around, I can't get insurance for less than £6000 on a 1.1L car worth £450.

Flipping daylight robbery!! :yuck:

What are your thoughts?

Rant over

Must be something to do with where you live.

My tips.

Put your mum and her sister on there. No men at all. Put the two ladies as named drivers.
Mileage, 9000. 10k is about £150 more, so do 9k.
Ensure the vehicle is parked on the road (as its more likely to be seen when getting stolen, meaning its cheaper than on the drive)
Make sure you go with a company which recognises the fact you have driving experience with a tractor etc.

Not sure how old you are, but I live in the south east (lots of supposedly nice cars), have a 1.4 Sporting, am 17 years old with 6 months experience as a named driver, and am paying around a third of what you have been quoted by iKube.

It's possible to get it down more, but I don't want to lie.

Good luck

Ive gone with i kube and am also pretty annoyed with them tbh, all theyve managed to do is confuse me and leave my car in a state

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xFaz said:

Must be something to do with where you live.

My tips.

Put your mum and her sister on there. No men at all. Put the two ladies as named drivers.
Mileage, 9000. 10k is about £150 more, so do 9k.
Ensure the vehicle is parked on the road (as its more likely to be seen when getting stolen, meaning its cheaper than on the drive)
Make sure you go with a company which recognises the fact you have driving experience with a tractor etc.

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Since when? It's always been cheaper on a drive than a road - where it can easily be hit by traffic trying to get by.
Also, insurance companies never recognise additional experience - I have maximum NCB, I have a licence to drive almost every kind of vehicle with years of experience on artics, coaches - even bendy-buses as well as fire engines yet all I can muster this year is much dearer than my present insurance - and that's without frills.
You also must ask about adding named drivers as this can sometimes increase rather than decrease the insurance.

It's also worth noting that the majority of car policy premiums have had a big rise in the last 12 months

Sometimes adding parents as the Named driver Does Help

If i added my mum - it dropped the quid by about £50
A little less for my dad - but it'd be my mum who'd borrow my car more then likely

just for love nore sake DONT put your parents as the Main Driver then you as a Named Driver
You'll be fronting - and in the event of an accident you'll be uninsured!

Ziggy

sludgeguts said:

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Since when? It's always been cheaper on a drive than a road - where it can easily be hit by traffic trying to get by.

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Go try it then. It's £75 cheaper for me to park my vehicle on the road than on a driveway.

Garage? But that's where the keys are stored, next to the car. You're in the garage, you have the keys. £150 more.

Im not lying.

udtrev said:

It's also worth noting that the majority of car policy premiums have had a big rise in the last 12 months

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£5300 in less than a month? :bang: I don't think there is an explanation for that!

udtrev said:

It's also worth noting that the majority of car policy premiums have had a big rise in the last 12 months

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Mines dropped by 30% .

dewie93 said:

£5300 in less than a month? :bang: I don't think there is an explanation for that!

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Ever watch Road Wars etc? full of young drivers crashing cars into fields with no other factors involved other than their own stupidity.

xFaz said:

Go try it then. It's £75 cheaper for me to park my vehicle on the road than on a driveway.

Garage? But that's where the keys are stored, next to the car. You're in the garage, you have the keys. £150 more.

Im not lying.

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I've just used my moneysupermarket quote of £259.88 (overnight driveway) and changed to overnight street, the best quote back was £327.64.
Changing it again to garage, the best quote back was £237.45.

And BTW, who in their right mind would keep their car keys next to their car in the garage? That is seriously asking for trouble.

"Theft and accidental damage add a bulk to insurance costs. If you leave your car in a garage or driveway it’s a big deterrent to theft and means accidental damage is less likely, resulting in a 3% - 7% drop in insurance costs." http://www.moneysavingexpert.com/insurance/cheap-car-insurance-tricks

ChrisUK said:

Ever watch Road Wars etc? full of young drivers crashing cars into fields with no other factors involved other than their own stupidity.

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And I was watching a prog recently where plod trawled the local schools. They said statistically, they attend more RTAs involving young drivers (under 25s) than older drivers.
The newer the driver, the higher the likelihood of them having an accident.
The chances of them having an accident also ijncrease substantially with a passenger on board (as they tend to show off their 'skills'), there is a further increase with additional passengers - so a higher likelihood of more distractions.

I have found that its cheaper for me to park my car on the Driveway than a Garage but dont know about the street.

Insurance has shot up lately mainly due to the rise in fraudulent claims. Gangs are so called rear ending their target, well planned out. "Witnesses" come from nowhere. They mainly go for elderly drivers. They claim whiplash & all sorts of things.

Ironically the ambulance chasing "lawyers" are only too happy to help out & even encouragement is offered when claiming.

I'm of a certain age & my insurance has shot up.

sludgeguts said:

I've just used my moneysupermarket quote of £259.88 (overnight driveway) and changed to overnight street, the best quote back was £327.64.
Changing it again to garage, the best quote back was £237.45.

And BTW, who in their right mind would keep their car keys next to their car in the garage? That is seriously asking for trouble.

"Theft and accidental damage add a bulk to insurance costs. If you leave your car in a garage or driveway it’s a big deterrent to theft and means accidental damage is less likely, resulting in a 3% - 7% drop in insurance costs." http://www.moneysavingexpert.com/insurance/cheap-car-insurance-tricks

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Guess it comes down to where you live. I am south east, and will pay around £80 more to park it on a driveway, and around £150 to park in a garage.

The whole 'system' is a bit mucked up. If I drive 8000 miles, I have a chance of having a crash. If I drive 9000 miles, the chance increases relatively. If I drive 10000, the chance increases relatively. But hell, the price doesn't!! 8k-9k = £30 more. 9k-10k = £150 more! ridiculous.

Insurance has gone absolutly crackers in the last couple of months, back in feb I ran a couple of mock quotes on comparison sites for a 306 D-turbo and a Punto jtd, they came back with prices around the £350 mark. Now I can't get cover on either of those for less than £620. My brokers are struggling to find a competative quote for the 2001 sporting I've put a deposit on.

The biggest kick in the nuts is that my old car was £565 fully comp, for a F reg BMW 320 with uprated everything and a 2.8 engine, all declaired... How can a 1.2 fiat be a bigger risk than that?

29 years old and a clean liscence with 2 years ncb

xFaz said:

The whole 'system' is a bit mucked up. If I drive 8000 miles, I have a chance of having a crash. If I drive 9000 miles, the chance increases relatively. If I drive 10000, the chance increases relatively. But hell, the price doesn't!! 8k-9k = £30 more. 9k-10k = £150 more! ridiculous.

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hardly. The system is based in statistics. If more people who declare doing 10k a year have more Accidents then they'll put the price up. Equally if someone says they do 15k and less people in that category have accidents then it'll probably be cheaper!

Same regarding a 1.2 punto vs the old BMW. More youngsters smash up Puntos so statistically your more likey to smack one up. Hense why I've got a 5-door Stilo. Not a common young persons car, so not many young people smack them up, so I'm a better risk than if I were drive a punto etc.

It's all down to stats!

I'm 20 years old and my insurance on my 1.1 cinq sporting is gunna be around £1000 and some companies quoting £2000+ its a joke! A friend of mine drives a BMW 520i and hes paying £1100 with Adrian Flux, they recently quoted me £2370 :O