It's that time of the year again... - INSURANCE RENEWAL!
I paid approx £1100 for my first year. That was at 26yo, zero NCB and first ever car - Mk5 Golf GTI. I thought that wasn't too bad.
After a bit of research and few phone calls/references, these were my options for my second year/renewal. This is for my 2007 Mk5 GTI (see my thread for more info), 1 year NCB, all mods declared and with a SP30 conviction
Adrian Flux: Ridiculous quote of around £2200 since I haven't lived in the UK since birth.. #SMH
Greenlight: Said they don't cover an entire range of postcodes around (and including) the area I live in. Strange, but I am London Zone 4, Surrey and its' a lot safer than Croydon where I lived before...
Chris Knott: £745, fully comp, £300 excess. Underwriter Highway Insurance (part of LV Group). All the standard bits included such as windscreen cover included (£75 excess), lost key cover up to £750, ICE cover worth £500 for after market, like for like mod cover, courtesy car, legal cover, personal injury and EU wide cover for up to 90 days. For cancellation purposes, there is a £15 Admin fee and the £25 legal cover not refundable but rest will be refunded pro rata.
Sky Insurance: £800 fully comp, £300 excess. Underwriter Aegeas. All the standard bits included such as windscreen cover (£60 excess), windscreen chips/cracks (£10 excess), lost key cover up to £400, courtesy car, legal cover, personal injury, ICE cover etc. For cancellation purposes there is a £50 Admin fee.
A-Plan: £740 fully comp, £300 excess. Underwriter Marker Study. All the standard bits included such as windscreen cover (£80 excess), windscreen chips/cracks (£25 excess), courtesy car, legal cover, personal injury etc. For cancellation purposes there is a £26.50 Admin fee + 15% broker commission (of the remaining policy cover). Rest will be refunded pro rata.
Initially, all three suitable candidates started high at about £865. I had to haggle and speak with each about 2-3 times. In the end, I went with Chris Knott. They came close to the best quote and had a better cancellation policy. I would recommend them to anyone. Speak to a lady called Tabata and she'll sort you out.
I am chuffed as my £1000 budget will now sort both the insurance and the £265 road tax!