Ford Fiesta ST
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#176219 - 26/08/09 12:37 PM Re: Insurance! [Re: Spiers]
abc Offline


Registered: 02/03/09
Posts: 378
Quote:

i pay £1500 and £850 excess!
Im 21 now so renewal should be good drop next year.




whhhoooooooaaa!!1 bloody hell.

im £1300, im 19, and thts with my gf on the policy, (19 also). ive got my mum on it too, but shes never even driven it yet!

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#176220 - 26/08/09 01:25 PM Re: Insurance! [Re: Spiers]
Stu. Offline
Site Supporter

Registered: 15/03/09
Posts: 4538
Loc: Manchester
Quote:

i pay £1500 and £850 excess!
Im 21 now so renewal should be good drop next year.





WOW! Thats big! £850 excess???? My god who is that with?
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#176221 - 26/08/09 01:37 PM Re: Insurance! [Re: Stu.]
PinkRinse Offline
Fiesta Maniac

Registered: 02/01/05
Posts: 6067
Loc: Shoreham-by-Sea, W. Sussex, UK
£372 I think all mods declared.. KGM via Greenlight
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#176222 - 26/08/09 02:00 PM Re: Insurance! [Re: PinkRinse]
ShottaZ Offline


Registered: 23/03/09
Posts: 564
Loc: Derby/Newbury/Manchester
22
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£800
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#176223 - 26/08/09 05:49 PM Re: Insurance! [Re: Sir Mr Fabrix]
ChrisCumbria Offline

Driving as Daily

Registered: 26/06/05
Posts: 23742
Loc: Whitehaven, Cumbria
Quote:

be careful with adrian flux, they dotn update their records for insurance details on system i got pulled twice for no insurance on system by police. down to the claims firm within adrain flux called NIG group not updating their system.




If they're still not good at updating their records now then that might be a good reason to avoid them. Someone said on here a little while back that Adrian Flux no longer send out paper copies of your insurance certificate and you should print a copy out if necessary (although I've already read of people with SwiftCover having problems with the police refusing to accept home printed copies since they don't look genuine). Adrian Flux had apparently said it isn't a problem anyways since everyones insurance details are on the police database.

If they're not updating the system then it could cause big problems if you get pulled over since firstly it won't be on the database that you're insured, and secondly you won't be able to provide adequate documentation now to prove that you are either!
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#176224 - 26/08/09 07:10 PM Re: Insurance! [Re: ChrisCumbria]
focussteo Offline
Fiesta Mad

Registered: 17/02/06
Posts: 365
Loc: Northampton
what do you guys think about getting protected no claims?

If i protect it will be £826...

If I don't it will be £682...

So i'd save £140 by not doing it!

I did a dummy quote where I had no no claims and it came out £1086... which is affordable if I was unlucky enough to have a crash or get it stolen. But then there is the peace of mind of having it protected. But apparently the premium goes up anyway regardless?
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#176225 - 26/08/09 08:01 PM Re: Insurance! [Re: focussteo]
Kev Offline



Registered: 01/03/06
Posts: 10490
Loc: Birmingham, UK.
Quote:

what do you guys think about getting protected no claims?




I personally would recomend it all the way.

My wife had some muppet in an uninsured VW 4 Motion slam into the back of her Sport KA and did a runner.
Even though we got the reg number, nothing came of it.

We got £2100 whiplash compensation, her car was repaired, £1800 worth of damage, and the renewal insurance the following year came down £40.

But you have to have at least 5 years NCD to apply for PNCD.

My Mrs is only covered for 2 claims in 5 years.

So there you go; It's not allways our driving, it's the w****rs that drive around in uninsured stollen cars that target us, if you know what i mean.
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#176226 - 26/08/09 09:39 PM Re: Insurance! [Re: Kev]
Alex_H Offline


Registered: 01/03/09
Posts: 15061
Loc: SE London
Yeah alot about this on the news on the radio today
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#176227 - 27/08/09 04:51 PM Re: Insurance! [Re: Alex_H]
focussteo Offline
Fiesta Mad

Registered: 17/02/06
Posts: 365
Loc: Northampton
i'm pretty sure you only need 4 years... seeing as i've been offered it! lol
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#176228 - 27/08/09 04:56 PM Re: Insurance! [Re: focussteo]
Adam08 Offline
Site Supporter

Registered: 15/10/08
Posts: 15118
Loc: Harpenden, Hertfordshire
You only need 3 years for PNCD
Been looked up before
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#176229 - 27/08/09 06:40 PM Re: Insurance! [Re: Tez]
Tez Offline


Registered: 03/01/09
Posts: 2509
Loc: Co, DURHAM
Quote:

Mine is due next month, just had a quote for £268.51 fully comp, £150 xs.



New quote online from AVIVA, fully comp £208 with a £250 xs, cheapest quote yet.
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#176230 - 27/08/09 08:06 PM Re: Insurance! [Re: Stu.]
ST_RED Offline
Fiesta Fan

Registered: 29/07/07
Posts: 145
Loc: West Midlands
Quote:

Have you just done that quote now online ST RED?????




It was my renewal quote Stu - been with privilege for 2 previous years, since i became officially classed as a safe driver (4yrs no claims)

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#176231 - 27/08/09 09:33 PM Re: Insurance! [Re: ST_RED]
Stu. Offline
Site Supporter

Registered: 15/03/09
Posts: 4538
Loc: Manchester
cool mate! Privilege have been superb with me, I seriously think their customer care and service is excellent! They are great on the phone, "mr manifould just a quick question, im not trying to be pushy here, but we have a great deal on AA cover £25 for a year top cover, and don't want you to miss out" ........"where do I sign love?" lol I know she was selling me something, but she was excellent at it! haha
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#176232 - 28/08/09 10:33 PM Re: Insurance! [Re: Stu.]
andrewb Offline


Registered: 18/07/09
Posts: 12
Loc: Northern Ireland
Any young st owners here? Im 19 been driving for 4 months a 1.4 fiesta zetec with st wheels, im looking at buying a st around christmas time and wondering how much i should expect to fork out for insurance?

Just to give me an idea, i really want 1 but dont wana pay over 2000 for insurance

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#176233 - 28/08/09 11:14 PM Re: Insurance! [Re: andrewb]
Spiers Offline
Site Supporter

Registered: 09/02/09
Posts: 798
Loc: South Yorkshire.
Quote:

Any young st owners here? Im 19 been driving for 4 months a 1.4 fiesta zetec with st wheels, im looking at buying a st around christmas time and wondering how much i should expect to fork out for insurance?

Just to give me an idea, i really want 1 but dont wana pay over 2000 for insurance



I pay £1500 and £850 excess, i was 20 when i took out the policy. 0NCB

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