Car Insurance

[jennyjoan]

As some of you may know I had an accident in April in that I tipped a guy's bumper in front of me and naturally is going to blow up into a "compensation" claim for him.

Regrettably my insurance is up tomorrow and I called into brokers who gave me a price and told me premium was so and so

I have been with this broker some years and very happy with them but somehow tonight am thinking the assistant was too flippant with the premium which I thought was excessive - saying "oh it has gone up cos no-one will touch you because of the accident in April".

Shall I take her word for it because of the accident business and pay up or query it again. Again I pay for fully comp and so to lower my premium if it saves me money I may go "Third party etc".

Any opinions please and thank you.

I came away happy enough but have now thought it over and am thinking it is way too much an

[jennyjoan]

you need to be aware I live in a "dangerous" area as in troubles.

If I lived beside my sister £448 would be even lower.

[EcclesCake]

Is that the accident when you abandoned your car having driven in to somebodies wall or a different one?

[Islay]

I would not accept the quote - I didn't pay that much when I lived in London and drove a soft top!!

[jennyjoan]

I am happy with it Islay - particularly it is only a few pounds per month.

[Mamyalynne]

Eccles, JJ is referring to this incident.


http://www.theanswerbank.co.uk/Motoring/Question1488255.html

[EcclesCake]

£448 is a stonking amount. I have no idea if you disclosed your DUI and abandonment which could well raise your premium.

If you are happy with it then so be it.

[jennyjoan]

mamy - how do get the link up so quick

[Islay]

£37.33 is more than a few pounds a month!

[Mamyalynne]

I typed 'tipped' into the search box JJ ;-)

[EcclesCake]

That maybe so Mamya but is not unusual for insurance companies to enquire about incidents in the past five years.

[Mamyalynne]

You asked which accident JJ was referring to here - ie the ongoing on , I have replied.

[Mamyalynne]

ongoing one ^

[whiskeryron]

JJ, have a look at LV http://www.lv.com/ in my opinion the best insurers ever.

[EcclesCake]

Mamya, a DUI and abandonment could very easily have a significant effect on premiums. I know there was such an incident but cannot be bothered to search the history to confirm the timeline.

[Islay]

No wonder the insurance premium is so high if there are those incidents included too Eccles.

A quick look at comparison sites and I got a quote for 236 for a corsa living on the Lisburn road, 5 minutes from Belfast centre.

[Mamyalynne]

I'm well aware of that, I simply answered the query you posed @ 16.17.

[Mamyalynne]

Glad you are sorted JJ, others may not be as pleased with the result but you are content for another year.

[jennyjoan]

I am pleased Mamy - thanks

[EcclesCake]

You are mad as a box of frogs or a seriously dodgy driver to accept that insurance quote.

I cannot imagine paying such a high premium at your age.

[jennyjoan]

for attention of Eccles

Thank you for being so kind ?????