Car Insurance question

[Considered1]

I have been really happy with Volvo Insurance although not had to use them in anger thankfully but tempted that Swinton are £90 cheaper at only £221! Business Use (I only do 10,000 mpa), 9 yrs Protected No Claims, Legal Protection, £325 Excess, Nice Postcode!

Anyone any advice re Swintons - think the insurer is Covea whom I have never heard of. I will be asking which repairers they use as I know Volvo use approved Dealer workshops

[Flux]

Blimey, just got my renewal from Nationwide (insurer LV) and its gone up from £330 to £420.

Just done a quote comparison and I can get it for £277 with co-op. Worried its a bit too cheap as the main grouping cost are circa £310 ish.

There is a huge discrepancy here and just tried direct line at it was north of £470.

Thoughts/experiences welcome.

[simonjedrake]

Originally Posted by Flux

Blimey, just got my renewal from Nationwide (insurer LV) and its gone up from £330 to £420.

Just done a quote comparison and I can get it for £277 with co-op. Worried its a bit too cheap as the main grouping cost are circa £310 ish.

There is a huge discrepancy here and just tried direct line at it was north of £470.

Thoughts/experiences welcome.

Just ring back LV, say you are leaving as cheaper quote elsewhere. They will soon find a way to keep you if you are considered a good risk!

[Flux]

Originally Posted by simonjedrake

Just ring back LV, say you are leaving as cheaper quote elsewhere. They will soon find a way to keep you if you are considered a good risk!

Top tip thanks. Was thinking of that but doubt they'd shave off £133 but if you never ask you never get. 9 years no claims so yes hopefully a good risk.

[wimorrison]

Aviva was £320 this year for me after a discussion

[carlh]

Originally Posted by Timothy2

Hi all,
This may just be me been silly but can I ask what people declare when they get car insurance in the uk?

I have an S60 SE NAV, with the winter pack and driver convenience pack (so it has adapted cruise control, City safe breaking, BLIS, lane guidance etc..). Its all factory fitted and ordered when the car was ordered.

Should I declare the 'Winter Pack' and 'Driver Convenience pack' as modifications to the insurance company?

Or is my car standard and unmodified?

Thanks for any replies.
Tim

I have recently fitted roof bars and a roof box and I rang Volvo Insurance (Royal Sun Alliance) to notify them and see whether that would affect my insurance. The answer from them was no and they have made a note to say that I have notified them. They said immediately that it was the best thing to do (to ring and check) as many policies "might" see roof bars, etc as modifications.

[dty]

Our 7 day drive-away insurance has just expired so the missus sorted out our insurance last night. I'm 41, she's 30-something, no real history other than a non-fault accident on my motorbike a few years back. XC60 SE Lux D4 190 FWD Auto, fully comp, protected, with various legal insurance bits and bobs (list price approaching £45,000), 15,000 miles per annum, SDC... £270 for the year. TYVM. (Admiral via Go Compare, BTW.)

[TimS]

It must be hugely on location, I imagine. I live in a "good" area, & with LV for my 2013 D4V70 Geartronic, pay about £150 (middle-aged, me & wife only, 10k miles/year, no business use apart from travel to regular place of work, both max NCD, no claims or points), car kept on drive. I've dropped the automatic EU cover, but I add it for £17 for the remainder of the year if I need it. Excess is IIRC £250.

I'd heard horror stories about children learning, but when our twins were 17, adding them to the Fiat Panda the LV insurance went from £130 to £750, which didn't seem too bad. When each passed their test, it added £25 each time. They're now 21 & it's back down to about £300 on the Panda (my policy, we all 4 have clean licences & no claims). Excess is something like £400 when they are driving though. I have a colleague at work with a 15 year-old Peugeot 406 estate, & it cost him 2K to add his 17 year-old. Cheaper to get a low-group car, as I did.

[GreenBrick]

Should I tell the insurance company about the fuel pressure regulator I have had fitted. It was cheaper than buying a fuel pressure gauge and included a gauge on it. It makes no difference to the performance, I am using it to monitor the pressure and pump output and have set it to the Volvo specified pressure?

[Considered1]

Originally Posted by Flux

Blimey, just got my renewal from Nationwide (insurer LV) and its gone up from £330 to £420.

Just done a quote comparison and I can get it for £277 with co-op. Worried its a bit too cheap as the main grouping cost are circa £310 ish.

There is a huge discrepancy here and just tried direct line at it was north of £470.

Thoughts/experiences welcome.

Flux, Direct Line for me was £215, Volvo (renewal) £310 but came down to £290 after an email. Ended up using Admiral so our son saved hundreds on his but...
I'd check what you have been quoted from DL mind you I did switch our house ins to them recently, try Volvo and ask them both if you did a house swap with me then I would still be much better off!!