Car insurance quote oddities

[GROWLER]

Just picked up on this thread regarding this craziness:


Posted Yesterday, 19:53

Been looking at insurance for an E30 today and came across something completely unexpected. I've seen some oddities before (who hasn't?) but this is a new one. Due to the age of the car, I wasn't sure if it has an immoboliser, so got two quotes - one with and one without. For some reason, the quote saying the car has no immobiliser has a £30 cheaper premium than saying it does. Anyone able to explain this one?

My only thoughts are that maybe they assume there'll be less damage to the car if there's nothing to overcome/ rip apart when trying to steal it? That said, I'd have thought some dash cowling would be less than replacing a missing car!

Any of the resident insurance people able to shed any light?

Also just found that saying the car is 'chipped' (0-10% bhp increase) reduces the premium. That one I don't get! And parking on-road rather than on private property drives the price down too (although someone broke into my 330 on the driveway the other day, but I'm sure they'd have done it if it was parked 10 foot away on the road too. . . -_-)

[Barman]

[GROWLER]

With regard to cheaper quotes for leaving your car on the road than the driveway, some bod in there suggested it might be because a potential thieving scum bag that actually wants the car rather than its contents wouldn't be able to identify which house the keys are in.

Good point well made I thought.

[Barman]

With regard to cheaper quotes for leaving your car on the road than the driveway, some bod in there suggested it might be because a potential thieving scum bag that actually wants the car rather than its contents wouldn't be able to identify which house the keys are in.

Good point well made I thought.

That is a good point!

I've never really understood why you get a discount for parking it off-road....

[GROWLER]

Tell you. It's a closed shop this quoting malarky.
They keep all their little secrets on what reduces premiums to themselves, and they REALLY don't want us obedient wad handing over sheeples to know their dirty tricks.

Bunch of thieving crooks the lot of them, yet you get caught without and YOU are then classed as the crook.

Got us all over a barrel now, bloody scumbags.

What's the premiums like out there then BM?
Must be less due to the obvious compulsary restricted mileage, surely?

Classic car insurance for 'MeMi'?

[Barman]

Tell you. It's a closed shop this quoting malarky.
They keep all their little secrets on what reduces premiums to themselves, and they REALLY don't want us obedient wad handing over sheeples to know their dirty tricks.

Bunch of thieving crooks the lot of them, yet you get caught without and YOU are then classed as the crook.

Got us all over a barrel now, bloody scumbags.

What's the premiums like out there then BM?
Must be less due to the obvious compulsary restricted mileage, surely?

Classic car insurance for 'MeMi'?

Ours is strange because the Panjero is duty free... I think we pay around €300...

Not sure about MeMi yet...

[apc2010]

Insurance is a lot cheaper here but the no claims is difficult......

[GROWLER]

Virtually given up hope for MM driving her mothers car after 5th February now.
She's a very unhappy bunny.
Managed to get the price down to £2045 but it's just too much. Craziness beyond belief.

Been looking at scooter wasps again, just to keep her mobile and get her of my back for the 'free Dads 24 hour  taxi service'  , but the insurance quote for one of them is also a staggering £766 too....for a friggin push bike in essence, with a lickle engine!

[Baldy]

Virtually given up hope for MM driving her mothers car after 5th February now.
She's a very unhappy bunny.
Managed to get the price down to £2045 but it's just too much. Craziness beyond belief.

Been looking at scooter wasps again, just to keep her mobile and get her of my back for the 'free Dads 24 hour  taxi service'  , but the insurance quote for one of them is also a staggering £766 too....for a friggin push bike in essence, with a lickle engine!

How about her mother's broomstick? 

[GROWLER]

Virtually given up hope for MM driving her mothers car after 5th February now.
She's a very unhappy bunny.
Managed to get the price down to £2045 but it's just too much. Craziness beyond belief.

Been looking at scooter wasps again, just to keep her mobile and get her of my back for the 'free Dads 24 hour  taxi service'  , but the insurance quote for one of them is also a staggering £766 too....for a friggin push bike in essence, with a lickle engine!

How about her mother's broomstick? 

Nah. She's got one of them already, but she's still learning for her pilots licence......WHEN her mother is available to accompany her like.

[Barman]

Virtually given up hope for MM driving her mothers car after 5th February now.
She's a very unhappy bunny.
Managed to get the price down to £2045 but it's just too much. Craziness beyond belief.

Been looking at scooter wasps again, just to keep her mobile and get her of my back for the 'free Dads 24 hour  taxi service'  , but the insurance quote for one of them is also a staggering £766 too....for a friggin push bike in essence, with a lickle engine!

£766??? 

[GROWLER]

Virtually given up hope for MM driving her mothers car after 5th February now.
She's a very unhappy bunny.
Managed to get the price down to £2045 but it's just too much. Craziness beyond belief.

Been looking at scooter wasps again, just to keep her mobile and get her of my back for the 'free Dads 24 hour  taxi service'  , but the insurance quote for one of them is also a staggering £766 too....for a friggin push bike in essence, with a lickle engine!

£766??? 

I know geezer, I know. Absolutely dreadful.

Never condoned driving without insurance, but you can begin to see and understand why so many do now.
All well and good these well off bastards stomping their feet, saying "we're going to introduce even harsher penalties for those that get caught"
Well how about looking into exactly WHY some of them do it ey?
How many youngsters can afford these staggering premiums, even if they're working?

Todays teens are potentially tomorrows HGV, PCV, van delivery and car drivers, but at the rate things are going, their aren't going to be many.Driven off the road by those that might just need them in the future.
It's pitiful and shameful.

[Barman]

Virtually given up hope for MM driving her mothers car after 5th February now.
She's a very unhappy bunny.
Managed to get the price down to £2045 but it's just too much. Craziness beyond belief.

Been looking at scooter wasps again, just to keep her mobile and get her of my back for the 'free Dads 24 hour  taxi service'  , but the insurance quote for one of them is also a staggering £766 too....for a friggin push bike in essence, with a lickle engine!

£766??? 

I know geezer, I know. Absolutely dreadful.

Never condoned driving without insurance, but you can begin to see and understand why so many do now.
All well and good these well off bastards stomping their feet, saying "we're going to introduce even harsher penalties for those that get caught"
Well how about looking into exactly WHY some of them do it ey?
How many youngsters can afford these staggering premiums, even if they're working?

Todays teens are potentially tomorrows HGV, PCV, van delivery and car drivers, but at the rate things are going, their aren't going to be many.Driven off the road by those that might just need them in the future.
It's pitiful and shameful.

Agreed...

[GROWLER]

It's going back a couple of years like  , but I think I paid about 30 snotters for my insurance when I was a yoof.
I know they say all things are relative in terms of time and money like, but just how much would that £30 equate to in todays munny I wonder?

Top of me 'ed figure would guess at about £300-400?

[GROWLER]

Found an absolute stunner of  Moggy on the intermong last night.
£4995 though.
£800 to insure that for MM.
Only £40 more than a piggin' wasp ffs!

Bit of an investment for me though I suppose, mmmmmm?