HIC Insurance Discount - Page 2

john humphries · 27-07-2004, 22:59

I can not understand it adrain flux want £1100 off me thats more than neil, and he is 21 HIC want £296 guess who i have gone with???

Smoothie · 27-07-2004, 23:33

Quote:

Originally Posted by NeilD

This year they aiunt gonna be too hot... mine has increased 1 year NCD and gone up £400

, Apparantly they are going thro a major £5 million claim

Only £4999600 to go then.

Seriously though, that is very poor. They will just loose business by making there customers pay over the odds for insurance like that. Shame, cause they sounded like they used to be good.

NeilD · 28-07-2004, 08:03

They did used to be good

myke · 28-07-2004, 17:53

HIC are a broker.
i don't see how a large claim is putting them out of pocket.

i just took cover with highway through HIC a couple of months ago.
was £640 corsa gsi at 22. conversion price for 2ltr is based on quote of donor which is £780 in this case from cally 16v.

Smoothie · 28-07-2004, 23:41

Just thought I would phone back and try explaining my situation in a bit more detail. Spoke to someone different who actually sounded like he wanted to help.

He phoned me back this morning and pulled out a cracker......well not quite, but he has came up with the cheapest quote so far. £320 Fully comp with the few wee mods that I have done.

Just goes to show that it also depends on who you speak to.

HIC have redeemed themselves in my book

john humphries · 28-07-2004, 23:44

I found that smoothie it does depend on who you talk to

coolamasta · 11-08-2004, 14:49

Hmmm, just give em a call and they want £300 more than any other company Ive got a quote from!!! Not so good after all...............

dirtydave · 11-08-2004, 15:56

i've jst spoke to andy, very helpful seemed to know what he was talkin about unfortunatly £2200 (2 claims & 3 points) is not very good so i'll be searchin around.
thanx for the advice though.

Dave

evogirl · 11-08-2004, 20:42

Jesus dave your only 21 and you've got points on your license? My my!

I'm 33 and I've never had a crash or got caught speeding!!!

coolamasta · 11-08-2004, 22:39

Quote:

Originally Posted by NOva2

Jesus dave your only 21 and you've got points on your license? My my!

I'm 33 and I've never had a crash or got caught speeding!!!

And? My mate is 18 and has 6 points! Too many speed cameras around these days!!

Spinbitch · 11-08-2004, 23:50

Quote:

Originally Posted by NOva2

Jesus dave your only 21 and you've got points on your license? My my!

I'm 33 and I've never had a crash or got caught speeding!!!

hmmm,
20 years old, 25 points and 2 bans (2nd one i'm on at the moment!)

Gonna be great fun getting insurance next year!

dirtydave · 12-08-2004, 17:25

Quote:

Originally Posted by NOva2

Jesus dave your only 21 and you've got points on your license? My my!

I'm 33 and I've never had a crash or got caught speeding!!!

I got 3 points last week for a bald tyre and an accident on the ice in febuary and i went in the back of some one at jct 8 on the M1 in june so i screwed it up this year never mind.
but i need a company that will do cheaper insurance anyone got any ideas?

Dave

Miles · 20-08-2004, 07:40

HIC just sent my renewal notice, they are over £550 more than the cheapest quote I've got so far.

the_fbi · 20-08-2004, 10:08

Quote:

Originally Posted by Miles

HIC just sent my renewal notice, they are over £550 more than the cheapest quote I've got so far.

Miles, interested to know how it compares against Admiral as thats who I went with, at what I think is a great price. Although yours is modded and mines standard.....

Dom · 24-08-2004, 11:06

Latest quote from HIC

http://www.migweb.co.uk/forums/showthread.php?t=145977

**Brett** · 24-08-2004, 19:08

yeah I've seen this and Im already know what the comp offer, without mods declared its £800 with Churchill and with them decalered the best is £975, that with Adrian Flux.

Im simply preparing for the inevitable, a higher renewal from HIC shortly. Whjat do they hope to gain though? they need to recopu some money by driving their customers away? makes no sense to me

BlackIce · 25-08-2004, 14:18

Just rang them for a quote on my 1993 Cav SRi 8v, I've got 5 years NCD, 3 points and nothing else and they battered me with £650 with highway underwriting. Managed to get a cheaper rate on confused.com of £540 thru Ensleigh in Sheffield with highway underwriting again.

Not always the cheapest, but very helpful.

P444UL_R · 02-09-2004, 09:16

Well they quoted nearly 2k more than elephants current quote for 1.2k for my VX220 T. Very helpful though.
No Points / No claims / No NCB though

Worth a try tho

Paul

Miles · 02-09-2004, 09:22

I've just reinsured my car with them, they dropped £600 off the renewal price they posted me when I rang them!

Stevie B · 08-09-2004, 16:07

your all lucky!!

im 18, first year of driving, no points, no claims

got an astra 1.4ls Hatchback all standard

the cheapest quote ive found is £1800+

but luckly ill go under my mummys name

the_fbi · 08-09-2004, 18:14

Bad idea as you'll never build up any no claims bonus of your own.

http://www.elephant.co.uk
http://www.admiral.com
http://www.tescofinance.com/personal...rins/index.jsp

I was with Touchline (I think 0800 207 800) when i was 17 for £324 fully comp on a Nova 1.3SR)

Also http://www.autotrader.co.uk then on the right hand side adverts there is a link which does loads of quotes from masses of places at once. You never know your luck!

Stevie B · 08-09-2004, 20:48

Thanks for the help FBI but there stilll all £1400+

under my mums its only £500 i think it will be worth it go on my own when im 19 and had a years experience, im sure i wont miss that one year that much

the_fbi · 08-09-2004, 21:00

Get yourself something like a Yugo 45 or 850 mini or, worst case

http://atsearch.autotrader.co.uk/WWW...00436159258867

Spend betwen £50 and £100 buying the car, insure it third party only, on limited mileage (1000), maximum excesses etc and it'll cost you like £100 max even with your age/experiance.

Sell the car after a year as a no-mot car for the same price (possibly even more if you tart it up, polish, MOT etc) and as a bonus you just saved 25% on your insurance + have a years worth of your own insurance.

I'd be interested to know what your insurance would be on that Micra link above. Surely not a lot? A Yugo 45 would be cheaper but can't find one on Autotrader....

Stevie B · 15-09-2004, 16:13

yeh good idea if you can stand driving the damn things

have a fiat uno 45 and its not the greatest in thing in the world to ride around in

but then again i look damn cool

lol

those yugo things look even worst an old woman has one at work.

I just got my mk3 Astra 1.4 LS at auction, winning bid £150

just needed a bit of cleaning and its pretty good cept for one huge scrape down the side, but drives well with only 53,000 miles warrented

shame about insurance, as has been said but.. nice car lol

thanks again FBI

callybreaker · 26-09-2004, 14:27

I got my renewal notice from HIC for this year, i thought they were taking the ****!!!
I'm running around in a k reg 1.4 astra van,( untill the Mantas are finished ), i have 10 years no claims, no points, driving for 14 years, live up a hill in a valley surrounded by sheep...
THEY WANTED £800

I rang them and asked why it had gone up, there answer was they only use one insurance company now, that is Highway insurance.
I asked them how they could call themselves a broker when they only have one company policy to choose from?
The question fell on deaf ears

I rang Norwich Unoin and got covered for £250. ( next year they can get stuffed as they have just announced another jobs cut/ transfer to india ! )
Why do we have to deal with these con artists year on year, fighting to get a decent quote

Kev