Insurance quotes

jimchef81 · Jul 18th, 2019, 21:52

Hi there

I'm just using Compare The Market to get a price for my new XC90 tomorrow and i noticed a strange quirk.

The quote is for a brand new 2019 T8 Inscription Pro. The lowest price was £1200 (with a black box) , a bit steep i thought, but oh well, its an expensive car. The i noticed from the dealer email the actual model is T8 Inscription Pro 390.

When i changed it to the 390 model it came out at a far more palatable £690 (no black box)

So, my question is, whats the difference between these 2 variants, and why such a big difference in insurance risk?

Jim

Philip Fisher · Jul 18th, 2019, 22:08

Not sure. Thought all were 407bhp now, not 390bhp models.

That said guess it depends on your history but both quotes seem steep to me.

I moved from a company car with no NCD and thought I would be stung but pay only 300 quid.

jimchef81 · Jul 18th, 2019, 22:12

Quote:

Originally Posted by Philip Fisher

I moved from a company car with no NCD and thought I would be stung but pay only 300 quid.

That does make my quote pretty high.

Crockers · Jul 20th, 2019, 19:19

Try nfu.

warwick · Jul 20th, 2019, 19:28

Something fishy with that big difference in quotes for the difference in HP and the difference in price that might exist.

anotherv60 · Jul 21st, 2019, 10:20

Another thing to consider is If the quote is for the next few days the price will be higher as you are deemed more of a risky driver as your leaving it till the last minute to get car insurance, try setting the insurance start date in 3/4 weeks time and rerun the quotes then when the price drops follow it though to the insurance website and change the start date. You might get the cheaper price. The other option is to try Volvo insurance as they won’t charge a premium on you taking it out close to pick up of the car.

anotherv60 · Jul 21st, 2019, 10:23

Also if you take out drive away insurance you will receive an excess return voucher worth £250, it’s valid for 3 years and is not tied to any insurance company so you can increase the excess by £250 to lower the insurance quote as you won’t be out of pocket.

sdenner · Jul 21st, 2019, 17:59

It’s actually only valid for 1 year. Still a great deal though.

Quote:

Originally Posted by anotherv60

Also if you take out drive away insurance you will receive an excess return voucher worth £250, it’s valid for 3 years and is not tied to any insurance company so you can increase the excess by £250 to lower the insurance quote as you won’t be out of pocket.

anotherv60 · Jul 21st, 2019, 18:37

Quote:

Originally Posted by sdenner

It’s actually only valid for 1 year. Still a great deal though.

It’s not mines valid till 2021.

sdenner · Jul 21st, 2019, 19:13

Must have changed. I got it 6 weeks ago and it is one year.

Quote:

Originally Posted by anotherv60

It’s not mines valid till 2021.

Jul 18th, 2019, 21:52	#1
jimchef81 New Member Last Online: Aug 14th, 2019 20:31 Join Date: Jan 2019 Location: deal	Insurance quotes Hi there I'm just using Compare The Market to get a price for my new XC90 tomorrow and i noticed a strange quirk. The quote is for a brand new 2019 T8 Inscription Pro. The lowest price was £1200 (with a black box) , a bit steep i thought, but oh well, its an expensive car. The i noticed from the dealer email the actual model is T8 Inscription Pro 390. When i changed it to the 390 model it came out at a far more palatable £690 (no black box) So, my question is, whats the difference between these 2 variants, and why such a big difference in insurance risk? Jim

Jul 18th, 2019, 22:08	#2
Philip Fisher Premier Member Last Online: Today 21:28 Join Date: Dec 2002 Location: Sheffield	Not sure. Thought all were 407bhp now, not 390bhp models. That said guess it depends on your history but both quotes seem steep to me. I moved from a company car with no NCD and thought I would be stung but pay only 300 quid. __________________ Currently:- MY16 XC90 T8 Momentum, Magic Blue 174k miles. MY17 V60 T4 Power Blue. Previously:- 1997 V70 T5 exPolice; 2005 V50 2.0D; 2013 XC70 D5

Jul 20th, 2019, 19:19	#4
Crockers Premier Member Last Online: Feb 22nd, 2024 06:49 Join Date: Jan 2012 Location: North Wilts	Try nfu. __________________ XC60 Inscription Pro T5. Mussel Blue with blonde. Xenium, intellisafe pro, towbar, 4 zone , polestar, body styling pack. Apple car play.Tinted windows NOW SOLD

Jul 21st, 2019, 10:20	#6
anotherv60 Master Member Last Online: Feb 28th, 2024 19:49 Join Date: Sep 2016 Location: Derbyshire	Another thing to consider is If the quote is for the next few days the price will be higher as you are deemed more of a risky driver as your leaving it till the last minute to get car insurance, try setting the insurance start date in 3/4 weeks time and rerun the quotes then when the price drops follow it though to the insurance website and change the start date. You might get the cheaper price. The other option is to try Volvo insurance as they won’t charge a premium on you taking it out close to pick up of the car. __________________ MY20 XC40 T4 R-Design, Xenium, Intellisafe Pro, Winter, Tow bar, Thunder Grey Previous: MY18 V90, MY15 V60

Jul 21st, 2019, 10:23	#7
anotherv60 Master Member Last Online: Feb 28th, 2024 19:49 Join Date: Sep 2016 Location: Derbyshire	Also if you take out drive away insurance you will receive an excess return voucher worth £250, it’s valid for 3 years and is not tied to any insurance company so you can increase the excess by £250 to lower the insurance quote as you won’t be out of pocket. __________________ MY20 XC40 T4 R-Design, Xenium, Intellisafe Pro, Winter, Tow bar, Thunder Grey Previous: MY18 V90, MY15 V60

Jul 20th, 2019, 19:28	#5
warwick Junior Member Last Online: May 12th, 2021 19:53 Join Date: Dec 2018 Location: Winchester	Something fishy with that big difference in quotes for the difference in HP and the difference in price that might exist.

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