insurance,

[highlander]

Does anyone know anyone from the insurance trade who could find out why the 406 is in the wrong group?

[lozz]

Does anyone know anyone from the insurance trade who could find out why the 406 is in the wrong group?

Yup ive already asked,
the Reply was, the 406s get written off for the slightest little thing, parts are too expensive, Mark them as a un-economical repair, its the cheaper option,
ive seen them get cat-c d for a little dent,
its stupid realy,
Most probs insures look at them as a poplular car cheaper to pay out than Repair,
as with the Taxi scenario Maybe they Tar them all with the Same brush,

[FarmerPug]

who can you complain to? someone or some comitee must set the groups the 406 should be a group 8.

[skyinsurance]

who can you complain to? someone or some comitee must set the groups the 406 should be a group 8.

Peugeot for their cars depreciating in value and the high cost of repair parts?

[lozz]

who can you complain to? someone or some comitee must set the groups the 406 should be a group 8.

Peugeot for their cars depreciating in value and the high cost of repair parts?

@ skyinsurance.
thanks for your input on this subject but heres another one for ya hopefully you can Answer best you can
its too my knowledge Most company offering insurance are not actualy providing cover directly (there just number crunchers sipping coffee ,
they get afee for setting up cover for a client is that Right?
ive also been told just for Typing out a cover note Admin is something like up too £35 or so,

if thats the case couidnt company such as your self sort of lower the goal posts a tad ?
it wouid make life easier for people like my self that is Getting shafted by these Ridiculus insurance price simply because of postcodes .. were getting tared with a big brush here,

im not calling your company Names here: ihad a conversation with one of your telephone crew and they did there best to help me
brilliant service but they couidnt get it lower enough for me to afford

[FarmerPug]

the high cost of parts, i cant really understand this, i dont think the 406 is an especially hard car to get parts for (bar the type c display) most parts are easy and cheap enough, especially now with my stash of spare parts full to the ceiling in the back shed. Cant this be something when applying for insurance have you got a stash of spare parts.

[DaiRees]

I could be synical here and speculate that there's some dodgy dealings going on, maybe a consortium of 'government approved' manufacturers pushing up the groupings on manufacturers that aren't in their 'club'...

Mind you, insurance generally is a f*cking joke at the moment, those of us who are law abiding and responsible are being forced to pay for all the wankers driving 'round without insurance. I've been driving 21 years and never had a claim, got about 18 yrs NCB, yet if I were to have a bump I'd be raped by the insurance mafia for no other reason than they know I'd pay it, 'cos I don't fall into the category of law breaking, drain on society, scum . Seriously dudes, inflating the prices year on year to compensate for all the uninsured drivers isn't a solution, it's just going to cause more people to drive without insurance, and therefore worsen the problem, is that really so difficult to see?? The solution to getting everyone to buy insurance is to make it affordable, not push it even further out of reach!!!!!!

Futher added to this is the complete lack of proper analysis of the client, people like us who look after our cars, ensure that they're properly maintained, know how to drive according to conditions etc are much less likely to have a bump, and are much less likely to make a claim for a minor incident. But of course if the insurance companies started out handing out genuine discounts for such stuff it'd be less money in their already stuffed pockets!

[plod]

Here here Dai, very well said

I agree wholely, infalting prices to compensate for the uninsured pushes more people to run without insurance
I've seen it openly admitted on forums, that people say if the insurance goes up anymore they'll not bother paying


I'll probably get flamed here, but it's like the goverment with all the cutbacks, they say they are doing it to rescue the economy, but how does putting loads of people out of work, meaning they need subsidising and have no money to spend, actually help the economy?
As Dai says, make it more affordable and get more people paying
Same with the economy, put money in, get people spending, which creates more jobs, and so on and so on

[waue1978]

the high cost of parts, i cant really understand this, i dont think the 406 is an especially hard car to get parts for (bar the type c display) most parts are easy and cheap enough, especially now with my stash of spare parts full to the ceiling in the back shed. Cant this be something when applying for insurance have you got a stash of spare parts.

That all depends on where the parts come from. Yes, your 406 could be repaired fairly cheaply using budget parts, but lets be honest - if it's an insurance job that we aren't paying for, we want the best & I've been noticing a few body parts on Ebay lately (as I'll be replacing the bonnet if she stays long term) & there are some expensive prices on there:

http://stores.ebay.co.uk/Crash-Repair-P ... =684403064

Painted bonnet £330

Painted wing £160

Bumper £60

Headlight £65

Foglight £30

1 Front bumper moulding £25

That means at those prices, a light impact on the front corner would cost £670 to fix - before the labour has been added. Seeing as they already know that they're probably looking at a £1500 whiplash claim for every person that was supposedly in the car (amazing how full they are in an accident) it's no wonder they'd rather write everything off nowadays. Don't forget they still get a pay off from the salvage company that takes the car too so they probably spend less that way.

[lozz]

Just got a Toyota celica Mk6,
was shocked to find there half the price of the 406 on insurance

it dont add up

[Bailes1992]

2005 Volkwagen Passat (B6 - New Shape)
1.9TDi (105bhp)
SE spec (middle spec, fair bit of kit)

Same price as my Ford Focus

2003 Peugeot 406 HDi 110

any spec, LX, GLX, SE, Exec etc...

£400 more than my Focus a year

Please tell me wheres the logic?

[lozz]

Whoa,
hang on.
Err the 406 isnt expensive to insure.
just found out ive been fleeced, too late to turn back now tho my 406 is gone

right ive been missold some shite on my policy which ididnt need Nor ask for, %$&?

1stly Admin fee £39 Feivin bastards!
2ndly, Legal cover protection Arangement fee another £39, ididnt ask for it
3rdly, interest charge £76.75
total charge for credit in small print £101.75p
Total amount due £540.32

seems iwas shafted with other bits they added to the policy so after all the 406 is cheap to insure


check your policys chaps and check theyve not missold you any shite you dont need or havent asked for

[waue1978]

Whoa,
hang on.
Err the 406 isnt expensive to insure.
just found out ive been fleeced, too late to turn back now tho my 406 is gone

right ive been missold some shite on my policy which ididnt need Nor ask for, %$&?

1stly Admin fee £39 Feivin bastards!
2ndly, Legal cover protection Arangement fee another £39, ididnt ask for it
3rdly, interest charge £76.75
total charge for credit in small print £101.75p
Total amount due £540.32

seems iwas shafted with other bits they added to the policy so after all the 406 is cheap to insure


check your policys chaps and check theyve not missold you any shite you dont need or havent asked for

That's not completely why it was so expensive - the 406 is still an expensive car to insure. My insurance quote I put in the other day still came out significantly more than newer & higher spec Mondeos & Zafiras. Lets also not forgot that our very own Mr Plod managed to get a quote for a Zafira GSi for less than the cost of insuring his HDi.

[lozz]

I see you point Waue,
but iwas just trying to point out in my case, My insurers where adding extra fees,
and then theres the case of me paying Monthly thats like getting something out of a catalogue aspose,
they add interest fees etc,
eveyones insurance prices are going to differ postcode age etc etc,
everyone as my sympathy tho its not fair but what can you do ?

either sell or carry on paying the bastids,

But all in all icarnt call 406s for the time iowned mine it never gave me much hastle,

[sirwiggum]

Got renewal through for the Honda.

A 2 litre petrol automatic coupe.

£186 for the year

Happy enough with that! Especially for N.Ireland prices!