View Full Version : thanks to hic, i'm keeping the rallye

09-12-2005, 12:29 PM
i was gonna sell due to the costs, but my renewal came through today.

at the moment i'm paying 1200 TPFT for my rallye, all mods declared, value of 1650. that's with 1 claim (not my fault) and 7 points with a CD10 from 2 years ago... also no NCB at all (never had a car long enough, either destroyed it or sold it).

i got my renewal letter through today. now, taking into account all the above, except this renewal includes 1 year NCB, i nearly had a heart attack when i read the premium.

593 quid TPFT. that's like a 55% drop in price !

i'm sooooooooooooo happy !!! very happy very happy very happy very happy woo hoo woo hoo

Jamie P
09-12-2005, 12:35 PM
thats great buddy! i am gonna call them now see how much i can get off!!! lol

09-12-2005, 12:35 PM
Keep it, it's so cute :p

Jamie P
09-12-2005, 12:46 PM
hmmm just called hic and they quoted me 1300 tpft!!! Thats with me being 19, driving for a year and a half, and one years no claims, no points or accidents! Crazy bitches!

09-12-2005, 12:57 PM
HIC are very very random with pricing

they also have 100 phones for sales and one for customer service lol

and dont ever try to claim off them ;)

09-12-2005, 01:04 PM
people said that about Liverpool Victoria... i claimed off them and it took seconds...

HIC are just very random full stop :D

09-12-2005, 01:12 PM
Hic gave me my renewal with like 400 off what it was last year.
That was including a 16v which was just dropped in there, almost half price!! :D

09-12-2005, 01:18 PM

Shit hot prices + you don't have to speak to sum nob jockey that dont know Jack!!
very happy very happy

09-12-2005, 01:23 PM
I was with HIC last year and couldn't fault them.
Even had track cover with them!

Mike W
09-12-2005, 01:29 PM

Shit hot prices + you don't have to speak to sum nob jockey that dont know Jack!!
very happy very happy

Do elephant allow mods? I thought they didn't but I might be wrong.................

09-12-2005, 01:32 PM
Been with Elephant before, pretty poor all round really. They do allow a 5 mods I think, but they don't cover engine comversions etc...

Suppose its ok for Standardish Cars. When I added my parents it always went down Shit loads with them :D

Fuzzy Orange
09-12-2005, 01:46 PM
My renewal is due in March - Im still with flux after the PGAC "discount"
But they are ripping me off something rotten

2 years NCB 25 years old, 6 points on license and 1 fault accident, 1.4 quiksilver with buckets, alloys, lowered, exhaust and mild body mods - 780 a year fully comp
But paying monthly they stick loads of interest on so its 90 a month over 10 months!!

In march I will have (touch wood) 3 years NCB, no points on license in last 4 years, no accidents in last 3 years, and be 26 years old

Its also now got leather and a nearly standard bodywork so I dont wanna pay more than 450 ish a year fully comp

Might try HIC - but I hear tescos are really cheap?

09-12-2005, 02:20 PM
jesus 700+ at 25 is madness i pay 400 at 21 on a S2 rallye

09-12-2005, 02:24 PM
I am with HIC, I am 22 3 years ncb, I pay 232 TPFT on my 106 quiksilver all mods declared which is engine mods, exhaust system, inc mani, alloys and brakes. Got 3 points on my liscence now but phoned them up to see how much extra it be and then said no difference very happy

Dobber Sport
09-12-2005, 02:56 PM
i just renewed mine n went with adrian flux this year, 20 years old, 5 points. mods declared 1 year ncb, got it for 770 tpft, or its 1050 if i wanna put a 16v in it

09-12-2005, 02:58 PM
well HIC quoted me an extra 100 quid for a 16v conversion in mine.

Dobber Sport
09-12-2005, 03:04 PM
what age are you? thats some good prices!

09-12-2005, 03:25 PM
22... insurance has just gone down a further 50 quid after i called them... changed alarm to thatcham cat 1, cos they didn't have it listed.

09-12-2005, 04:05 PM
Awesome - hope mine comes down this year. It was a new policy last year so was spanked for over 650 (I'm 25 with 6yrs NCB on my other car and no convictions!).

I'll try them in June when its up for renewal ;)

mick humphreys
09-12-2005, 05:13 PM
i have been with hic for three years now and cant fault them. last year at 20 with 3ncb i paid 600tpft for standard s1 rallye. then i crashed lost two years ncb. i swapped to a mini 1275 cooper look alike half way through the year and that policy was 330 for the year. when the reknewal came through with now only 1 year ncb they wanted 650 for the mini. by now the rallye was ready to come back on the road so i was shitting it to find out how much it was gonna cost. can you guess how much extra they wanted? 8! i thought he'd got it wrong! then i declared 16v brakes buckets susp wheels zorst filter and it went up 120. then i called to say i was having an extra 40hp (they will never know its really 60!) and it went up 120 again. so im paying bout 900 for a highly modified car when i cost them 2500 by crashing into a third party and they never maid me pay my excess either!

modified car insurance doesn't have to be as scary as people think. infact the bloke on the phone was trying to get me to turbo it!

also i think they have a lot to do with different car clubs my mini insurance said i could do track days as long as it was organised by certain organisations.

different companies aresuited to different people thats why its best to call around

09-12-2005, 06:00 PM
one thing tho, they put me down as being a member of the PGAC when i so blatently aint... corrected that pretty quickly ;)