Author Topic: Quotes  (Read 257 times)

gadget

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Quotes
« on: January 19, 2015, 03:48:06 pm »
Hi all.
i have a daughter (19) passed her driving test within a month of being 17, a very safe driver and in 2 years and 4 months has had no problems.

her first insurance was with BELL part of the Admiral group. a (04) Citroen C2 1.1 was her car at the time as a first time insurer the only policies that came anywhere close to being affordable were ones with the Black box. we added myself and the wife as named drivers which did help with the price, although that was not the primary reason for doing this. the main reason was the wife and daughter drove the same direction to work (Dental nurse) the daughers work being close to home 5 miles. the wife then got in and drove a further 30 miles to work where she is a (HGV Instructor and tester). then the same journey in reverse in the evenings.

we had login details for the results from the box and checked them monthly. and we were alarmed at the results as the wife was doing the biggest share of the driving. the box made out that the standard of driving was POOR at best and mostly reported BAD or DANGEROUS driving styles.

then at the end of 12 months the renewal came in at 200 more that the first year, we challenged the quote and they said it was due to the driving style of the "NEW" driver. so my wife wrote to them giving her full job description and driving history. they would not accept this so we voted with our money and accepted a quote from another insurer without a BLACK Box for 600 less than BELL's renewal.

now fast forward 2 years. my daughter is taking over my old car, it is still registered in my name but she will be driving it solely. the car is a Range Rover 300tdi Vogue. (1995) Classic. we have been shopping for insurance over the weekend and the quotes have been very surprising. based on the details of the car and her age with 2 years no claims we have had quotes for 300 less than for the renewal on the C2. using confused.com we looked down the list of insurance companies and the first one in the list that wanted to fit a Black box was again BELL, but the price was 675 more than the one we have accepted through FluxDirect with NO BLACK Box??.     so where is the logic in those prices.    OK parts for the range rover are dirt cheap, but the performance is far better than the C2 and it weighs in at 2875Kgs almost 3 times the weight of the C2.

the daughter handles and drives the Range rover very well and i am not worried in any way shape or form about her driving such a big car. she is taking her Trailer towing test next weekend as she is into Horses and her friends have horses too so towing horse boxes will be most of the use for the Range rover at the weekends.

if anyone can offer any logical answer on why insurance for this car and my daughter is less than in a small pocket sized C2 i would look forward to knowing.

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