Welcome Guest [Log In] [Register]
Welcome to The Pit Lane. We hope you enjoy your visit.


You're currently viewing our forum as a guest. This means you are limited to certain areas of the board and there are some features you can't use. If you join our community, you'll be able to access member-only sections, and use many member-only features such as customizing your profile, sending personal messages, and voting in polls. Registration is simple, fast, and completely free.


Join our community!


If you're already a member please log in to your account to access all of our features:

Username:   Password:
Add Reply
How much are you paying?; insurance
Topic Started: Apr 23 2007, 10:03 AM (472 Views)
flood1
Chief Engineer
[ *  *  *  *  * ]
U.S.A. rates here:

Insured Vehicles -

2004 Mercedes 240 Estate Wagon
2004 Mazda RX8
1992 Ford F250 Truck

Coverage-

$500,000 Liability
$500 Cash deduction for a collision
$250 Deduction for comprehensive damage (a tree falls on the car)
Payouts for a car that is totaled is based on current market value
Payout for repairable damage = 100% of repair costs

Cost - $2,916 per year

Drivers-

51 year old male with 1 speeding ticket and 1 drink driving offense (1997) <nono>
49 year old female with no recordable facts

So, my rates are based on me trashing a 1978 911SC while drink driving.
Note: I learned my lesson and have not drink driven in 10 years <angel>
Offline Profile Quote Post Goto Top
 
pedal power
Member Avatar
Chief Engineer
[ *  *  *  *  * ]
i was paying £550 for my renault laguna 2.2 diesel, no paying 670 for toyota previa 2ltr diesel. thats a people carrier before anyone asks - only got 2 years ncb.

slightly off topic - like a road tax disc - i think there should be one for insurance.
Offline Profile Quote Post Goto Top
 
The STIG
Unregistered

I believe there is such a system in Ireland - a good idea in my opinion as it proves you are insured!
Quote Post Goto Top
 
GV Legend
Member Avatar
Chief Engineer
[ *  *  *  *  * ]
Ireland seem to have all the best road laws. for example for a year after passing ur tst you are leagaly obliged to have P plates on your car, and any car with P plates is not allowed to exceed a certain speed (i think its 40) aparently it has reduced RTA's involving new drivers dramaticaly
Offline Profile Quote Post Goto Top
 
Norbert
Member Avatar

Admin
Insurance and no claims bonus is a con. I got my bike in 2003, when I was 24, with one year's NCB, 400cc, group 14, insured for £3000 for TPFT with an excess of about £200:

2003 1Y NCB £430
2004 2Y NCB £300
2005 3Y NCB £200
2006 1Y NCB £200
2007 2Y NCB £200

So, after reaching 25, I lost almost a third of the premium. A year later, it went down by a third. During said year, I got punted off by some twat in a white van who despite exchanging details was never caught up with by the solicitors (useless gits!). So, the next year, I had two years less NCB, an at fault accident (because they never managed to find and claim off the third party) against me, and the premium was no different! This year, it's still no bloody different!!

<hitwall>
Offline Profile Quote Post Goto Top
 
safc_fan89
Member Avatar
safc_fan89
[ *  *  *  *  *  *  * ]
Nothing yet, but no doubt whenever I have passed my test, insurance will be ridiculously high. Not that I am planning on taking my test in the next 4 years...
Offline Profile Quote Post Goto Top
 
ZetaBoards - Free Forum Hosting
Free Forums. Reliable service with over 8 years of experience.
« Previous Topic · Road Cars · Next Topic »
Add Reply