Stupid quotes!!

Dan Walton · 23-08-2007, 21:21

I've been thinking of getting rid of my garage so I did a couple of quotes on Elephant to do a comparison on how much more I'd pay for not garaging the car at night.
I can't remember the exact figures off the top of my head but they came out at around £670 if the car was garaged at night, £650 if it was parked in a residential parking area and £630 if I left it on the street! I couldn't find an option to see how much it would be if I left the keys in the ignition and left it outside a pub.
Does that sound a bit backwards toa nyone else? I would expect the prices to be the reverse of how they actually came out. I checked the excesses and stuff and couldn't really see any loading to account for the policy being cheaper. Any ideas!?

**robmawer** · 24-08-2007, 08:46

Yes - if someone breaks into your garage (usually not all that hard), they can have a few hours to work on defeating the cars locks/alarms/immobiliser without being interrupted and steal the whole car.
If it's out on the street the chances of them being seen are much higher...so they tend to be just "low value" smash and grab attacks on the vehicle's contents.

Rob.

**mannyo** · 24-08-2007, 09:19

My premium is quiet a bit less for being kept in the garage.

**robmawer** · 24-08-2007, 09:59

Quote:

Originally Posted by mannyo

My premium is quiet a bit less for being kept in the garage.

Oh yes, it does vary a lot on the insurers policies, and the car being insured, location, etc.

Rob.

Dan Walton · 24-08-2007, 14:15

Well, I'm currently insured with Admiral, I'm pretty sure they're the same as Elephant aren't they? So if I was to get rid of my garage, it would in theory go down being with Admrial?

**robmawer** · 24-08-2007, 14:18

Quote:

Originally Posted by Dan Walton

Well, I'm currently insured with Admiral, I'm pretty sure they're the same as Elephant aren't they? So if I was to get rid of my garage, it would in theory go down being with Admrial?

Only one way to find out, and that's to get a quote off them!

Rob.

Dan Walton · 24-08-2007, 15:36

Bah, they were dearer, it's cost me £29 extra for the year. But, cancelling the garage saves me £36 a month!

Dr Zoidberg · 24-08-2007, 16:10

Very random.
I'm just getting quotes for my car insurance now.
Direct line are £420 with protected NCB , Legal cover , Guaranteed hire car and business use for me and SWMBO.

So far I've got
churchill - £800
norwich union - £552
more than - £717 (Half their quote last year)

andy2407 · 24-08-2007, 16:46

Ive just renewed mine. Got about 25 quotes, and the ratio of highest to lowest must have been around 2.5 : 1.

On the subject of random / stupid quotes, I was made redundant and out of work for about 4 weeks last year. I managed to save £25 with one quote when he entered my job title as a "house-husband" instead of "unemployed".

Dr Zoidberg · 24-08-2007, 17:11

I added SWMBO onto my direct line policy lasst year and it knocked off about fifty quid , and she hasn't actually driven the car once yet.

**mannyo** · 24-08-2007, 18:15

I rent the garage from the council, Although the saving on my policy is less than the rental of the garage, at least I know whatever time I get home at night I'll have somewhere to park. If I were to rely on street parking, I could end up some distance away.

Dan Walton · 24-08-2007, 21:55

Yeah, I rented my garage from the counc... sorry, local housing authority. It got broken into just after I'd sold my Integra, same thibng happened at my Mum's when I moved out, they broke in hunting for my BMW so I may as well leave my car on the street, if someone wants it, they'll get it regardless.
Parking isn't really an issue round my way so it's no prob dor me to ditch my garage. Feels good now knowing I've left my car out and the insurance won't be able to wriggle out of any claims.... well, they have one less excuse to wriggle out of any claims!

23-08-2007, 21:21	#1
Dan Walton Briskodian Join Date: Mar 2007 Location: Basingstoke Posts: 506 Thanks: 3 Thanked 21 Times in 19 Posts	Stupid quotes!! I've been thinking of getting rid of my garage so I did a couple of quotes on Elephant to do a comparison on how much more I'd pay for not garaging the car at night. I can't remember the exact figures off the top of my head but they came out at around £670 if the car was garaged at night, £650 if it was parked in a residential parking area and £630 if I left it on the street! I couldn't find an option to see how much it would be if I left the keys in the ignition and left it outside a pub. Does that sound a bit backwards toa nyone else? I would expect the prices to be the reverse of how they actually came out. I checked the excesses and stuff and couldn't really see any loading to account for the policy being cheaper. Any ideas!?

24-08-2007, 08:46	#2
robmawer Briskodian Join Date: Jan 2003 Location: Rochdale Posts: 12,422 Thanks: 2 Thanked 69 Times in 62 Posts	Re: Stupid quotes!! Yes - if someone breaks into your garage (usually not all that hard), they can have a few hours to work on defeating the cars locks/alarms/immobiliser without being interrupted and steal the whole car. If it's out on the street the chances of them being seen are much higher...so they tend to be just "low value" smash and grab attacks on the vehicle's contents. Rob. __________________

24-08-2007, 09:19	#3
mannyo BRISKODA Staff Join Date: Nov 2002 Location: Stevenage Herts. Posts: 11,112 Thanks: 36 Thanked 304 Times in 284 Posts	Re: Stupid quotes!! My premium is quiet a bit less for being kept in the garage. __________________ Manny 2005 Octavia 2.0TDi Elegance combi my skoda website http://www.octaviars.co.uk Join the briskoda.net folding team click Here for more info

24-08-2007, 14:15	#5
Dan Walton Briskodian Join Date: Mar 2007 Location: Basingstoke Posts: 506 Thanks: 3 Thanked 21 Times in 19 Posts	Re: Stupid quotes!! Well, I'm currently insured with Admiral, I'm pretty sure they're the same as Elephant aren't they? So if I was to get rid of my garage, it would in theory go down being with Admrial?

24-08-2007, 15:36	#7
Dan Walton Briskodian Join Date: Mar 2007 Location: Basingstoke Posts: 506 Thanks: 3 Thanked 21 Times in 19 Posts	Re: Stupid quotes!! Bah, they were dearer, it's cost me £29 extra for the year. But, cancelling the garage saves me £36 a month!

24-08-2007, 16:10	#8
Dr Zoidberg Briskodian Join Date: Jun 2003 Location: On the back of an AA truck with a failed turbo Posts: 10,551 Thanks: 24 Thanked 186 Times in 137 Posts	Re: Stupid quotes!! Very random. I'm just getting quotes for my car insurance now. Direct line are £420 with protected NCB , Legal cover , Guaranteed hire car and business use for me and SWMBO. So far I've got churchill - £800 norwich union - £552 more than - £717 (Half their quote last year) __________________ Alex "I laugh in the face of danger, then I hide until it goes away" www.drzoidberg.co.uk

24-08-2007, 16:46	#9
andy2407 Marmite Burner Join Date: Mar 2005 Location: Upper Ramsbottom Posts: 5,385 Thanks: 50 Thanked 182 Times in 151 Posts	Re: Stupid quotes!! Ive just renewed mine. Got about 25 quotes, and the ratio of highest to lowest must have been around 2.5 : 1. On the subject of random / stupid quotes, I was made redundant and out of work for about 4 weeks last year. I managed to save £25 with one quote when he entered my job title as a "house-husband" instead of "unemployed". __________________ The future's bright The future's mellow Now with a little zest of Washbrook added

24-08-2007, 17:11	#10
Dr Zoidberg Briskodian Join Date: Jun 2003 Location: On the back of an AA truck with a failed turbo Posts: 10,551 Thanks: 24 Thanked 186 Times in 137 Posts	Re: Stupid quotes!! I added SWMBO onto my direct line policy lasst year and it knocked off about fifty quid , and she hasn't actually driven the car once yet. __________________ Alex "I laugh in the face of danger, then I hide until it goes away" www.drzoidberg.co.uk

24-08-2007, 18:15	#11
mannyo BRISKODA Staff Join Date: Nov 2002 Location: Stevenage Herts. Posts: 11,112 Thanks: 36 Thanked 304 Times in 284 Posts	Re: Stupid quotes!! I rent the garage from the council, Although the saving on my policy is less than the rental of the garage, at least I know whatever time I get home at night I'll have somewhere to park. If I were to rely on street parking, I could end up some distance away. __________________ Manny 2005 Octavia 2.0TDi Elegance combi my skoda website http://www.octaviars.co.uk Join the briskoda.net folding team click Here for more info

24-08-2007, 21:55	#12
Dan Walton Briskodian Join Date: Mar 2007 Location: Basingstoke Posts: 506 Thanks: 3 Thanked 21 Times in 19 Posts	Re: Stupid quotes!! Yeah, I rented my garage from the counc... sorry, local housing authority. It got broken into just after I'd sold my Integra, same thibng happened at my Mum's when I moved out, they broke in hunting for my BMW so I may as well leave my car on the street, if someone wants it, they'll get it regardless. Parking isn't really an issue round my way so it's no prob dor me to ditch my garage. Feels good now knowing I've left my car out and the insurance won't be able to wriggle out of any claims.... well, they have one less excuse to wriggle out of any claims!

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