Insurance..... what the hell ??

ValoSunnyGti · Post by **ValoSunnyGti** » Sat Nov 01, 2008 9:05 pm

Right so the other night me and a mate were discussing insurance as he has recently bought a 200sx. His quote came back at

Post by **Stuart** » Sat Nov 01, 2008 9:13 pm

350z is a 3.5 V6 with no turbos, but still quicker than a Sunny
Those quotes seem very cheap (as in too cheap) I'm not doubting you Tom but it wouldn't be the first time that a quote given over the phone was reneged on.

Risks are assessed on likelihood of theft, damage, etc your background, the usage of the car and what the car would cost to replace in the event of a total loss.

ValoSunnyGti · Post by **ValoSunnyGti** » Sat Nov 01, 2008 9:21 pm

i thought it was too cheap as well , this was all through a company called flexibell, ill get them back up tonight at somepoint and take some screenies so that you can see the details i put in , block out all the stuff that could give away my secret underground hideout,

something i did notice though is the proce changed a great deal on how much the car is worth. It seemed to lower the premium if the car cost more

Post by **Stuart** » Sat Nov 01, 2008 9:29 pm

You must be stoned mate :lol:

It always used to be tiered so that it was one factor as a multiplier up to 10k, another to 20k, 30k etc

That was a few years ago mind, but no way can it get cheaper the higher the risk. That would make my Pagani cheaper than the Golf

ValoSunnyGti · Post by **ValoSunnyGti** » Sat Nov 01, 2008 9:41 pm

you call me stoned when your saying you have a pagani ????

*ahem*

i aint lying bruv lol

i will show pictures in a while

blackskygtr · Post by **blackskygtr** » Sun Nov 02, 2008 1:16 pm

stuart wrote:350z is a 3.5 V6 with no turbos, but still quicker than a Sunny
Those quotes seem very cheap (as in too cheap) I'm not doubting you Tom but it wouldn't be the first time that a quote given over the phone was reneged on.

Risks are assessed on likelihood of theft, damage, etc your background, the usage of the car and what the car would cost to replace in the event of a total loss.

Along with Ncap ratings for driver/passenger safety and pedstrian safety.
The biggest part of insurance payouts now is based around personal injury claims.
Safer the car lower the insurance.

Post by **Ben** » Sun Nov 02, 2008 2:17 pm

Also - if a particular model is crashed more often the insurance goes up - so companies have stopped insuring hondas as so many get smashed.