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Discussion Starter #1
Hi all,


I am collecting my 2009 TDCI Titanium Kuga AWD on the 30th of April, so have just strated the labourous task of finding competitve insurance for it.



Initial findings aren't good, i currently have an ST3 and pay £420 fully comp per year for that, and the best i can find for the Kuga is £501 for the year.



Surely a Kuga TDCI can't be more expensive to insure than an ST?



I do have 9 points but they are old SP30's which i got in 2004/2005 and my girlfriend has one SP30 which she got in December 2008.



Does anyone know of anyone i can try to get it closer to the ST's premium? And what is everyone else paying and with who?



Thanks,



Simon.
 

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Hi Simondean007,
Sorry to state the obvious but the points won't help you find a cheaper insurance. You need to remove them which I know also costs money!!Have you tried a comprison website?

Another factor is you age of course. I hope I don't sound patronising because I don't mean to be.

Anyway, my insurance quote for a new 09 Titanium 2WD Kuga is £185. This is with Sheila''s Wheels. Norwhich Union are the most expensive, well for me they were, try Gocompare.com or Confused .com you might find something more suitable. Good luck with your search.



KC
 

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Simon,


Think you'd be best to give Adrian Flux a call. They have a specialist 4X4 unit. I found them when I had a Discovery. I was paying £500 a year for my Octavia VRS-TDi and now £300 a year for my AWD Titanium TDCi Kuga, and I'm 28 y/o with one SP30 in 2005.
 

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Discussion Starter #5
Hi,


Thanks for the replies so far! Just emailed Adrian Flux for a quote so lets see what they come up with.



Still keen to hear from anyone else who has found a compnay that quoted competively!



At the end of the day the comparison sites only include the mainstream insurers who often don't provide the best prices for people with my points history, although Swift Cover are the best so far which i got from Confused.com at £501.



Thanks,



Simon.
 

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You could always sign up to topcashback.co.uk for free and get a further £28 backfrom Swift Cover. I did this with Lloyds last year, getting £90 cash back and LV Insurance this year with £40 cash back.
 

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Don't know if this helps but i'm with 'swiftcover' and paid £290,it would of been less but reduced my excess which bumped it up slightly. I like them also because you can do it all online without having do deal with an unhelpful customer service agent.


Graham
 

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Hi simondean007 ,
we found our Kuga Tit 2wd only £20 ish dearer to insure than previous cmax 1.6 tdci. we are with Privelige this year, but i shop round every year as each year they seem to charge what they want. One thing... when i told them my Kuga has roof rails and privacy one company classed it as modified and wanted to charge me approx £150 extra!!!!! Apparantly it should be listed as as built factory modifications which do not impose an extra premium.

Our premium is £320 ish, thats 2 drivers with max ncb, and protect ncb. not bad i thought for a beast worth over £20000.
 

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Discussion Starter #9
Hi,


thanks for the continued comments / advice. Spoke to Adrian Flux and they offered me a good deal with Norwich Union. £470.72 with additional personal injury cover. Comes with courtesy car and 90 days european cover, which is handy asi do go to germany 2-3 times a year to see parents.



That and the fact it is cheaper have swayed me away from swift cover, as you have to pay extra for european with them.



I think i have now exhausted most options unless anyone else can come up with something?



Also how does that topcashback.co.uk work? can i ask adrian flux to incorporate it if i join?



Thanks,



Simon.
 

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Hello.<?: prefix = o ns = "urn:schemas-microsoft-com:eek:ffice:eek:ffice" />
The way that topcashback works is that they give you the commission to any sites you link to and purchase something from. Unfortunately Adrian Flux is not one of them. However, if you can get the same deal with Norwich Union via their website, then topcashback are currently offering £52 cash back.
Hope this helps.
 
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