Car Insurance - voluntary excess. How much?

11 replies
Found 5th Aug 2007
It's that time of year i hate, car insurance, service and mot time :-(
My renewal came in at £680 this year
Best i can find online, is swiftcover.com/ swiftcover coming in at £435, based on £300 excess.
I'm toying with the voluntary excess, from 0 up £1000, which won't happen lol. Compulsary is £100 aside from windscreen which is £65

Table below is the insurance then excess
508.26 - 0
481.96 - 50
438.15 - 100
425.00 - 150
411.87 - 200
403.09 - 250
385.56 - 300
341.75 - 500

Note figures above are without options for protecting NCB, legal cover, replacement car, personal injury cover and breakdown cover (for car, not for me )

So, just curious now, how much do folks gamble with a high excess and lowered premium vs low excess and higher premium

11 Comments

Depends what you save in comparison.

I personally wouldn't go above £100 excess, Simply because if I did have an accident/needed claim (Car wrote off by vandalism etc) and I didn't have the cash to pay the excess I'd be stuffed.

Have you tried all the different insurance comparison sites?

moneysupermarket.com/

comparethemarket.com/

confused.com/ etc

Not sure If you can go through quidco to get cashback either?

Original Poster

Yes, have gone thru them all.
It's my car+postcode=£££'s lol

boydent999

Yes, have gone thru them all.It's my car+postcode=£££'s lol



£680 does seem expensive for someone with full 4 years no claims!

Off street parking/Garaged, Extra security alarms etc tend to help keep the insurance down a bit though.

It all depends on what you can afford to pay if you do have to claim.

If you have savings and can fork out £300 then why not. You will save that if your accident free.

I assume you have checked out all the insurers on quidco that are giving great cashback.This thread might help when looking for insurance:
]http//ww…ial
HTH.:)

Original Poster

Iom-RF

£680 does seem expensive for someone with full 4 years no claims!Off … £680 does seem expensive for someone with full 4 years no claims!Off street parking/Garaged, Extra security alarms etc tend to help keep the insurance down a bit though.


Lol, try 9 years NCB
It is garaged, 10,000 miles a year and it has an immoby and alarm, Thatcham Cat2 as standard.
Like i say it's car (puma) and post code (manchester) that's the killer.
£680 is bad, compared to last year's £540.
Insurance is madness

Funnily enough Bazr, i was with the AA for like 3 years, Pru last year and that's who my renewal is from :?

I never realised Puma's were really expensive to insure, I thought they were only 1.8's, Are they popular to nick I suppose then?

Original Poster

Iom-RF

I never realised Puma's were really expensive to insure, I thought they … I never realised Puma's were really expensive to insure, I thought they were only 1.8's, Are they popular to nick I suppose then?

I dunno. It's a sprightly 1.7 not earth shattering but it can shift. It's nippy and nimble and can really do corners and roundabouts well :oops:.
They're not that easy to steal tbh. It's a group 12E.
Like i say, insurance is just mad :w00t:

boydent999

Funnily enough Bazr, i was with the AA for like 3 years, Pru last year … Funnily enough Bazr, i was with the AA for like 3 years, Pru last year and that's who my renewal is from :?


If you do in the end stay with the pru,don't just stick with the renewal,go via quidco, get a new quote and go with that (assuming it doesn't come out a lot worse than your renewal premium) and receive the quidco cashback.:thumbsup:
I did this with churchill last year.Got my churchill renewal - £200,i then got an online churchill quote £180,went via quidco and received £60 cashback.
End result = Same insurer,but £80 better off.

My last car, I put the excess at £500, as I figured if I had an accident and had to pay it, it was my own fault and I'll just try not to drive so bad I have an accident!!

This worked fine until...

I was happily driving along when someone pulled out of a junction and drove into the side of me. Clearly their fault, BUT, as they didn't admit to it straight away, I had to pay the excess to get the car repaired. Finally after almost 1 year of going back and forth with insurance companies and them offering a 50/50 fault, then 75/25, then 80/20 and finally saying I was happy to take it all the way to court, they admitted it was their fault and my claim was settled, not affecting my no claims and I got the £500 excess back.

Just bear this in mind, that even if you don't cause the accident, you may still be out of pocket until the third party finally admits it and the whole claim is settled.

Excess on our car is 250 quid.(FULL yrs no claims) Higher the excess, lower you premiums...
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