I have recently been caught driving w/o insurance :headvswall: (not entirely my fault i WAS insured, just that the details were wrong on my policy because my father set it up (as a birthday present) and omitted some details, i got pulled for something, given producer and documents were wrong....) an when i decalre this my insurance seems to go up >£400. This seems hardly fair to me as it does not make me any less of a good driver and I have a years no claims which has now become invalid :( Do I have to decalre a conviction such as this to insurance companies when renewing my insurance this month? If i don't will this invalidate my policy?

 

Cheers

Yeah, youve gotta declare that. If you dont your insurance will be invalid and if you get caught again you'll get fvcked!!

Shitty i know, but thats the way it is. :(

Gutted for you :( , but as Scotty says thats the way it is :rolleyes:

 

The real criminals are the insurance companys, not you ;)

Cheers guys. Yeah the last thing i want is to get shafted for not informing them of it if it's illegal. Yeah they are the criminals. I'm 19, and I have a Fiesta 1.25 Zetec-s (and now NO no-claims) and they best quote i had so far for TPFT is £1650 !! Any ideas where i can get insurance cheaper than that? The car is stock (i returned it to stock whilst i was getting my licence back because i knew the insurance would be devastating otherwise) and i will not be able to drive if its that much :(. Even the insurance companties who "like young people" and "don't mind about convictions as much" seem to have dollar signs in their eyes when they see me coming :(:(:(:headvswal

 

Cheers

Cheers guys. Yeah the last thing i want is to get shafted for not informing them of it if it's illegal. Yeah they are the criminals. I'm 19, and I have a Fiesta 1.25 Zetec-s (and now NO no-claims) and they best quote i had so far for TPFT is £1650 !! Any ideas where i can get insurance cheaper than that? The car is stock (i returned it to stock whilst i was getting my licence back because i knew the insurance would be devastating otherwise) and i will not be able to drive if its that much :(. Even the insurance companties who "like young people" and "don't mind about convictions as much" seem to have dollar signs in their eyes when they see me coming :(:(:(:headvswal

 

Cheers

 

Know how you feel mate. I first got insured for my Z when i was 19 and had 0 no claims. Complete nightmare!

Try Adrian Flux, Admiral, Hyperformance (if its a UK), elephant, Sabre and 1st quote

Cheers scotty, I've tried admiral and because of my conviction they won't touch me until I'm 21, elephang say £2100, i'll try the other 4 and let u know

 

Ben

Hey there,

 

Sorry to hear that m8, might be abel to help if you let me have the following info: -

 

What details on the insurance where wrong?

 

And what is the conviction numbr that you were given?

 

If you don;t want to post it, you can PM it to me.

 

;)

Links:

 

Hyperformance

1st Quote

Adrian Flux

Hey Trinity, the code was IN10, basically my fiesta is a 1242cc zetec-s and my father insured it as a 1299cc endura engine which is 2 groups lower. For some reason the insurance company didn't run my number plate against the DVLA database (but then again it thinks my car is a green 3dr and its actually a maroon 5dr !!)

Ben

Hey Trinity, the code was IN10, basically my fiesta is a 1242cc zetec-s and my father insured it as a 1299cc endura engine which is 2 groups lower. For some reason the insurance company didn't run my number plate against the DVLA database (but then again it thinks my car is a green 3dr and its actually a maroon 5dr !!)

Ben

 

That sounds about right, when i tried to insure my 300 Insurance companies thought that it was a Nova 1.1.

 

They are just a bunch of :smw: :smw:

 

Leave that with me for about 30 mins got a friend that knows things!! :)

Cheers, appreciate any help I can get! Cheers for them links too Scott! :D

Links:

 

Hyperformance

1st Quote

Adrian Flux

 

£2155.18 :headvswal

£1785.00 :xxx:

£1889.38 :nono:

 

respectively, see what a dilema I have :(

£2155.18 :headvswal

£1785.00 :xxx:

£1889.38 :nono:

 

respectively, see what a dilema I have :(

 

:rofl: Sorry, but thats quite funny! Shouldnt be driving silly cars like that at your age anyway!! :rofl: Ive been listening to that for ages now!

:rofl: Soory, but thats quite funny

 

So how much was your insurance on the zed when you were 19? I can see why you got N/A though !!!!!

Well because I bought the Zetec-S i get enough of that "Why dont you drive a banger for a few years" and "That car is too fast for you, get a Citroen AX or something" for a while too, i know the feeling! Saying that, if i went to visit my mum and turned up in a Zed i think she would freak!

So how much was your insurance on the zed when you were 19? I can see why you got N/A though !!!!!

 

Insurance depends on difference things i.e.

 

I have only had my licence 18 months

 

My first Car MR2 UK (Non-Turbo) Mkii Insurance 1500.00 a year :(

My second Car 300ZX TT Insurance 900.00 (only 1 years n/c Bonus) :)

 

You need to shop around and play them against each other. :xxx:

 

Have you tried express insurance?

if i went to visit my mum and turned up in a Zed i think she would freak!

 

Yes!, my Mum freaks out and I am 30, lol.

lol yeah thats what i did with my first car, told them that i had a quote 100 lower than the last one, got it down from 2100 (being a bloke and all) to 1059 on a golf GTi as my first car, 1 week after i got my licence at the age of 17 :D:D An MR2 for 1500..... sorry to be rude but how old are you? That kinda quote is still dreamland for me (until i'm 24 anyway:()

So how much was your insurance on the zed when you were 19? I can see why you got N/A though !!!!!

 

£1345 with Hyperformance. Ive only just turned 21. Just got a quote on 1st quote, £968! Might phone them myself

Yes!, my Mum freaks out and I am 30, lol.

 

PMSL:PMSL:Yeah my mum aint too keen on cars / modifying them etc... when i told her i spend 600 on a set of alloys for my fiesta she went ballistic (and i actually ended up moving out over it!) so we dont talk cars anymore. Just happy things like the baby i got on the way, and how well my job is going.... just stuff to keep her happy :tongue:

£1345 with Hyperformance. Ive only just turned 21. Just got a quote on 1st quote, £968! Might phone them myself

 

Blimey - do you live in a low risk area like out in the sticks or something? I live near (within 500 yards) of a council estate which has a bad car crime history which annoys me because a m8 of mine lives 2 streets down and if i put his postcode in it comes down £112 :xxx:

lol yeah thats what i did with my first car, told them that i had a quote 100 lower than the last one, got it down from 2100 (being a bloke and all) to 1059 on a golf GTi as my first car, 1 week after i got my licence at the age of 17 :D:D An MR2 for 1500..... sorry to be rude but how old are you? That kinda quote is still dreamland for me (until i'm 24 anyway:()

 

I was 23 when i had the MR2, and believe me paying £135.00 pm insurance was no dream for me! :)

Express insurance want £1764.00 with a £600 excess :( I can imagine 135pm is no dream but i'm staring down the barrell of £150 a month for a car which is nowhere near as cool as an mr2 (its a stock festa ffs :xxx: ;)) Gonna do a quote on a 300ZX NA and a MR" NA just out of curiosity

Express insurance want £1764.00 with a £600 excess :( I can imagine 135pm is no dream but i'm staring down the barrell of £150 a month for a car which is nowhere near as cool as an mr2 (its a stock festa ffs :xxx: ;)) Gonna do a quote on a 300ZX NA and a MR" NA just out of curiosity

 

Holy shit!!! Was that your quotes for a Fiesta? I thought it was for a 300. An NA wont save you much on insurance over a UK TT (as they are all jap). I just bought an NA to save money on running costs.....and its minted!! :)

:PMSL: £6240.43 for a Zed TT

:PMSL: £3895.20 for MR2 UK N/A

:rofl: Yeah mate 1764 is for my fiesta. It's what u get with a conviction, being a bloke, being young, and living near a smackhead estate. The number of time's i have considered torching the whole estate........:ROFL: