Insurance?

[E_T_V]

Insurance groups for maestros and montegos

Here is a handy little word document that I've created that lists all of the insurance groups for our cars.

Can a mod please copy/move it to the FAQ please

[Guest]

Worse its near Salford

:laugh: :laugh: :laugh:

Here is a handy little word document that I've created that lists all of the insurance groups for our cars.

Excellent. Is there anything on the web that can tell us how respective postcodes compare with regards to motor insurance? Before anyone says "why don't you look, yourself", I'll look myself.

[Guest]

Excellent. Is there anything on the web that can tell us how respective postcodes compare with regards to motor insurance? Before anyone says "why don't you look, yourself", I'll look myself.

I suggest you have a gander at http://cgi.clare1980.plus.com/austin...2a7e60ab11d49c

[Guest]

I suggest you have a gander at http://cgi.clare1980.plus.com/austin...2a7e60ab11d49c

Thanks, Chris. Very useful. It seems that the whole of Manchester gets a high rating then, not just Swinton? That's a bu**er for the yooves, init?

[Guest]

Thanks, Chris. Very useful. It seems that the whole of Manchester gets a high rating then, not just Swinton? That's a bu**er for the yooves, init?

Aye it's a pain in the rectal area... my postcode is actually a Stockport one, SK, but it's just as bad here ... my first premium was £1700 on my 1.3L in fact i can insure a 1.6 VP for not a great deal more than that lol...

[D87SMW]

Aye it's a pain in the rectal area... my postcode is actually a Stockport one, SK, but it's just as bad here ... my first premium was £1700 on my 1.3L in fact i can insure a 1.6 VP for not a great deal more than that lol...

The rectal area of Manchester being Salford.

I do worry why M6 on that list says 'Refer'

So, anyone with a favourable postcode got any room for Faggot and I? :laugh:

[Simon]

My post code gives me an A rating

[G51 NAV]

There seems a few weird inconsistencies. My postcode is FY5 which means I live in a medium-risk area (C). I find that hard to believe seeing that my town (Cleveleys) is basically an open-air old-folks home. Male toilets in Cleveleys don't have condom-machines in them, they have machines that sell incontinence-pads :laugh: Central Blackpool (FY1) is classed as medium to high-risk (D), which I'll accept because of the tourists, yet just out of the town-centre (FY2) is classed as low-risk(B) I know of a street in Blackpool which is FY1 on one side and FY2 down the other: perhaps they should build a wall down the middle :laugh:

[Austin-Rover]

Worse its near Salford

Worse, Swinton is in Salford.

Salford and Manchester are two Cities in their own right, split by the River Irwell. However, they have seemingly merged into one continuous sprawl. Blink, and you miss the point at which you leave one and enter the other.

You have heard all the stereotypes about Salford I am sure. Some parts of the city are actually quite posh and upmarket, but you don’t hear about those bits. The bad parts make up the ring of less desirable areas that seems to circle the City Centre of Manchester.

Incidentally, I also have a bad postcode like Steve. Mine, BL9, includes Bury town centre 4 miles north and the notorious 'Dickybird' estate, even farther away. Despite living in a reasonably quiet area of town, populated mostly by retired people, I am saddled with a high level of insurance!

I am paying £1,100 this year to insure my Montego on my own policy. I paid less a month to be a named driver on my Maestro last year - but I have to start earning my NCB sooner or later...

[matthewsemple]

insurance woes

That postcode thing is rather arbitary. I am in a D zone which is supposed to be quite high risk, but a I've stated before, our insurance is cheap. Perhaps some companies split the postcodes because some parts of BS4 (a huge area of Bristol) would be much riskier than where we live.

I expect this is the same in other cities, but expensive cars are often stolen from areas where house prices are expensive (the low-risk areas) only to end up abandoned or burnt out in the less-nice parts (the high-risk areas) so its all a lot of nonsense.

That Word document is great but MG Maestros are missing - as far as I remember it should be:

1600 - Gp.12
EFi/2.0i - Gp.14
Turbo - Gp.16

Those people experiencing problems would probably save the price of a CAT1 immobiliser in one year's premium.

[Maria]

B! Splendid!

[Guest]

Male toilets in Cleveleys don't have condom-machines in them, they have machines that sell incontinence-pads :laugh:

:laugh: :laugh: :laugh:

Excellent. My parents live in rural Suffolk where one could begin to believe that this counties' coat of arms is a wheelchair and an incontinence bag! What really gets me irritated here is that entire county seems to enjoy the benefit of low price motor insurance, yet evidence shows it to be a real hotspot for accidents etc. Some of the prangs that the villagers have seem totally unmitigated, you know cars leaving the road 'cos the old bu**er is unable to steer at the same time as listening to The Archers. There seems an incessant supply of folk over 85 years intent on never exceeding 32mph. Perhaps they should try changing up into second gear!

It is not just the oldsters. The entire county seems to have its collective head up its collective bottom when behind a wheel - car, bike or combine-harvester!

Oh dear, this is starting to become a bit of a rant. I think I'd better depart. Sorry if you are from Suffolk.

[Beaker]

Here is a handy little word document that I've created that lists all of the insurance groups for our cars.

Can a mod please copy/move it to the FAQ please

Done....cheers

[Guest]

CAT 1 Alarm

Hi there, very interesting stuff here.
I can confirm the state of play in medium/high risk areas re. alarms.
I recently had a Clifford Concept 650+ installed in my MGMT, at a total fitted cost of £355 (included all sorts of messing about with wiring and motors etc., so not too bad a price!) I then declared this to my insurance company and they knocked £400 off the premium.

As I don't live in inner city Cardiff (thank God!), I find it a bit of a cheek that our postcode is classed as such when I live in a very quiet posh area (though I do not fit in as you'd imagine). But I guess at the end of the day it IS nearby to lots of troublespots, and its not unknown for cars to be nicked.

Anyway the alarm paid for itself in 1 year, and still saved me £45quid - something actually worked out for once!

[matthewsemple]

Security

Anyway the alarm paid for itself in 1 year, and still saved me £45quid - something actually worked out for once!

Top idea. You can also save loads by fitting an immobiliser which is much cheaper. I had a TOAD Thatcham 2 immobiliser professionally fitted to my MG1600 for £130. I think I get 10% or 15% off my insurance so it has paid for itself and the peace of mind is worth every penny.

As I've probably said before, at my old house my neighbours saw a group of joyriders peering into my cars and then moving on when they saw the flashing LED. I think they were trying to trade up from the knackered Mk2 Astra they had by stealing my MG Maestro!

There is nothing worse for insurance companies than a 1980s hot hatch which has nothing but the poor/non-existent security fitted by the manufacturer.