Insurance

[chatman]

Ha ha ha ha ha ha ha almost chocked on my dinner when i read the quote....

Toyota sent me a quote for my Insurance...

38 year old

Use car for business travel and leisure use

9+ years of NCB

Clean License no points

Healthy none smoker

wife as named driver (when I let her)

Parked on drive behind locked gate

Low crime area (well country side)

Your never guess how much they wanted.......................................

******£669****** :o :o :o :o :o :o :o

I have never paid that much and it's £200 more than I'm paying now.....

Err don't think I will take the offer up......

[Manxrav]

Ha ha ha ha ha ha ha almost chocked on my dinner when i read the quote....

Toyota sent me a quote for my Insurance...

38 year old

Use car for business travel and leisure use

9+ years of NCB

Clean License no points

Healthy none smoker

wife as named driver (when I let her)

Parked on drive behind locked gate

Low crime area (well country side)

Your never guess how much they wanted.......................................

******£669****** :o :o :o :o :o :o :o

I have never paid that much and it's £200 more than I'm paying now.....

Err don't think I will take the offer up......

Really surprised at that quote, I am insured thru Toyota Insurance (Royal Sun Alliance) and mine in the Uk was £360 fully comp, and has dropped way below £300 since I moved over to IOM.You want to go back to them with a few other quotes and see what happens.

Clare

[chatman]

Really surprised at that quote, I am insured thru Toyota Insurance (Royal Sun Alliance) and mine in the Uk was £360 fully comp, and has dropped way below £300 since I moved over to IOM.You want to go back to them with a few other quotes and see what happens.

Clare

Yep done the confused.com search and have a few to mull over....Insured through LV at moment..but Elephant have come back with a competitive quote matching mostly like for like...

Will call them at weekend just to see....

Sad to see one fatality and two injured on the IOM TT......Having seen the TT as a spectator know how fast they travel and some risks they take.....

[dave.m]

Hi Chatman,

Age 45, car garaged every night, never had a claim (until the old codger rear ended me recently), clean license, sole driver,

More Than (royal sun alliance) £327.

Think Toyota are taking the :censor: .

Cheers,

Dave.

[eanjohn]

Hi all

just got the t180 insured through esure, i`m 47, 5 years ncb, car garaged in essex,and including rac recovery

it came out £288.00

[freestyle]

Some interesting prices on here.

Im 27, clean licence, sole driver, 6 years ncb (7 when insurance is due in couple of months).

Did a quote with elephant due to them allowing you to declare mods, revealing (what i think were) fitted options and planned modifications:

leather seats

sidesteps

tte bumper insert

tte grille

tte twin exhaust

came in at a few pence under £400 for fully comp, which isn't bad as i was paying £300 fully comp with admiral for the old p-reg 4.1

[chatman]

Some interesting prices on here.

Im 27, clean licence, sole driver, 6 years ncb (7 when insurance is due in couple of months).

Did a quote with elephant due to them allowing you to declare mods, revealing (what i think were) fitted options and planned modifications:

leather seats

sidesteps

tte bumper insert

tte grille

tte twin exhaust

came in at a few pence under £400 for fully comp, which isn't bad as i was paying £300 fully comp with admiral for the old p-reg 4.1

Thanks for the replies....Just called Elephant to check that there quote was for real.......

*****£219******

:yahoo: :yahoo: :yahoo:

Yep that's protected NCB, £200 excess + legal cover and matching what I have now... (was paying £340 with LV)

Guess I'll be getting this one then....

Wont bother with the phone call expense of calling Toyota, just keep it to look at and laugh...... :lol:

[Sussex_Paul]

Sounds like you've bagged a BARGAIN there Chatman!!!

Mines £379 with Morethan - almost 65% cheaper than my renewal quote with Churchill this year.

Bit of a No Brainer really!!

Is it just me or do Insurance Companies just gradually shaft you over the years, hoping you'll be too lazy to look around for a better quote.

Can't see how my premium can keep going up (by much more than the usual small annual economic %ages) every year, when I never claim and should in fact be rewarded as being a loyal, non-claiming customer!!! :censor:

[Sussex_Paul]

Really surprised at that quote, I am insured thru Toyota Insurance (Royal Sun Alliance) and mine in the Uk was £360 fully comp, and has dropped way below £300 since I moved over to IOM.You want to go back to them with a few other quotes and see what happens.

Clare

And its that cheap even though you don't have any out of town speed limits !!!!

[H12 BBO]

MY LAST YEARS QUOTE WITH TESCO WAS £327.76P

SHOPPED AROUND YESTERDAY & CAME UP WITH THIS QUOTE FROM HASTINGS DIRECT

45 year old

Fully Comprehensive

Use car for Social domestic & pleasure

9+ years of NCB

Clean License no points

Healthy none smoker

Husband as named driver Parked on drive

Protected NCB

Legal cover

Quote with £100.00excess was £ 278.99p

Quote with £ 50.00 excess was £ 281.66P

guess where i am going guys ..............................................................................

[Steve@Aberdeen]

My XT4 fully comp, max no-claims (protected), £200 excess and legal expenses came to £275.21. Parked overnight on road (though low risk area) and includes business use. 50+, clean license; wife as second driver.

I use a local broker each time, who does all the checking around for best deal each year.

[chatman]

Well temptation is a dangerous thing....just had to call Toyota Insurance.... :!Removed!: :!Removed!:

Well called and checked the quote...they had me down as Full Business use... :censor: so got them to change this, only really use to travel to client sites.

So quote amended...... :unsure: then came back with £429....

Still more than I pay now... ;)

Reason I started this topic was too see what other's were paying and also to say "It pays to shop around" :yes:

:thumbsup: :thumbsup:

[Uncle Bob]

I'm a young 45 years old :P

Fully Comprehensive,

Use car for Social domestic & pleasure,

11+ years of NCB,

Clean License no points,

Wife on policy,

Protected NCB,

Legal cover,

Quote with £200.00 excess is £280.00

That's with More Than...each year they send me my renewal, and each year i get a price of their on line site, and each year they match the price , so it would have been £50.00 more had i not questioned them .

[jonbr]

Some interesting prices on here.

Im 27, clean licence, sole driver, 6 years ncb (7 when insurance is due in couple of months).

Did a quote with elephant due to them allowing you to declare mods, revealing (what i think were) fitted options and planned modifications:

leather seats

sidesteps

tte bumper insert

tte grille

tte twin exhaust

came in at a few pence under £400 for fully comp, which isn't bad as i was paying £300 fully comp with admiral for the old p-reg 4.1

Hi Freestyle,

I'm insured with Elephant and you need to keep in mind that they only insure the basic vehicle. So, if you have an accident and damage the grille (for example) you will have a standard grille fitted in the repair.

[freestyle]

Hi Freestyle,

I'm insured with Elephant and you need to keep in mind that they only insure the basic vehicle. So, if you have an accident and damage the grille (for example) you will have a standard grille fitted in the repair.

Cheers for the input. Interestingly enough, i did a quote with adrian flux through their 4x4 section declaring mods on a like for like basis and they came back with £325

[chatman]

Cheers for the input. Interestingly enough, i did a quote with adrian flux through their 4x4 section declaring mods on a like for like basis and they came back with £325

.........O no what beast have I created..... :!Removed!: :!Removed!: :!Removed!: :!Removed!: :yahoo:

If our fellow Cayman Island member is watching....This is a good forum....

[freestyle]

I'll admit it, i'm the bad egg in the box.

[chatman]

Thanks for the replies....Just called Elephant to check that there quote was for real.......

*****£219******

:yahoo: :yahoo: :yahoo:

Yep that's protected NCB, £200 excess + legal cover and matching what I have now... (was paying £340 with LV)

Guess I'll be getting this one then....

Wont bother with the phone call expense of calling Toyota, just keep it to look at and laugh...... :lol:

Ok I may have jumped in too quick... Called A-Plan insurance....They advertise on TOC..... Very helpful staff... :thumbsup:

Elephant did not favor very well in polls and other forums also came low down in insurance poll in Auto Express mag.

A-Plan came back with a very competitive quote of £279 and PNCB...So on Monday sorting details out with them....

Give them a try and see what they can do for you..... :yes:

[anchorman]

Well........

I think I'd have to write this lot down and anylise it before I could come to any useful conclusions.

There are so many different models and years of RAV's that we're not comparing eggs with eggs.

The nearest I can come up with is Steve because I have a similar age and model XT4 D4D. I live in rural Derbyshire but for some reason the risk ranking is higher than central Hull where my daughter lives so there is one anomaly!! Chances are that Central Hull is higher than rural Aberdeen. (Steve, would you mind giving me your post code [by pm] so I can throw it into the calculator - doesn't matter if you would rather not).

I did the Toyota quote on line and with full NCB, 5% Club Toyota disc' age 47, £175 compulsory excess and £200 voluntary, it comes out at £348.

When I come to renew in a couple of months I will phone them as I have never yet been unable to negotiate futher discount by playing one against the other (with genuine quotes) but given they use all genuine parts in a Toyota workshop it does give me a warm feeling.

At my old company where we had lots of reps cars that were always getting knocked about, I saw some shameful repair jobs from the insurance Co's designated workshops so I am wary of unknown quantities. (I must admit Steve, yours looked good on the photos after the little ice/dry stone wall altercation so yours does look good value).

However I am drawn towards Mr T on this one but will decide when I get all my ducks in a row.

Cheers

[JHRC]

I have just checked my insurance for 2006 RAV4 XT5 D4D aged over 50 cover for myself and my wife social domestic and pleasure purposes with full protected NCB, excess £350 ZURICH INSURANCE £241.06

This is my first year with ZURICH changed from TESCO INSURANCE which was good at first then got dearer. renewal due in September and I will be browsing the internet again to compare price and cover.

Jim

[DRU2C]

Last weeks Auto Express had an excellent report on Britain’s best and worst insurers, based on their reader’s experiences. It made interesting reading; get a copy if you can.

[chatman]

Last weeks Auto Express had an excellent report on Britain’s best and worst insurers, based on their reader’s experiences. It made interesting reading; get a copy if you can.

"Elephant did not favor very well in polls and other forums also came low down in insurance poll in Auto Express mag."

Yep this is what made me re-consider my options...if some inconsiderate driver does decide to change the shape of my RAV :crybaby: I want it fixed asap and properly and Elephant came low down in this aspect from it's users... :crybaby:

[DRU2C]

Yep, the cheapest is not always the best. For example, make sure that your insurance company gives you the option of using a bodyshop of your choice rather than having to use the one that they want. I won’t bore you with my recent experiences but believe me going cheap could mean you could end up with your RAV being repaired by a real back street Mickey Mouse operation. I know!. The bottom line is that it was all about the insurance company saving themselves a few bob; the premium may be cheap but just make that they are not clawing back the money in some other way.

[Manxrav]

Yep, the cheapest is not always the best. For example, make sure that your insurance company gives you the option of using a bodyshop of your choice rather than having to use the one that they want. I won’t bore you with my recent experiences but believe me going cheap could mean you could end up with your RAV being repaired by a real back street Mickey Mouse operation. I know!. The bottom line is that it was all about the insurance company saving themselves a few bob; the premium may be cheap but just make that they are not clawing back the money in some other way.

This is very true.At least with Toyota Insurance they do use OME parts.Out of interest it would nice to find out how many Toyota Main Dealers actually have their own bodyshops and don,t out source the repairs. I bet you could count it on one hand!!!!!!

Clare

[eanjohn]

Yep, the cheapest is not always the best. For example, make sure that your insurance company gives you the option of using a bodyshop of your choice rather than having to use the one that they want. I won’t bore you with my recent experiences but believe me going cheap could mean you could end up with your RAV being repaired by a real back street Mickey Mouse operation. I know!. The bottom line is that it was all about the insurance company saving themselves a few bob; the premium may be cheap but just make that they are not clawing back the money in some other way.

HI all

It does not matter who you are insured with,If your car is damaged you have the right to have it repaired using

genuine toyota parts, And you have the right to reject any substanded repairs.

basically it should be in the same condition it was pre accident.