406 insurance !!!!!

[grasmere59]

Why is 406 insurance so damned expensive,it's that time of year when both my Bmw 530i and the 406 hdi 110 exec insurances are due (bad planning i know),i'm getting quotes back from the usual compare the blah blah etc and theres only a few quid between both cars and sometimes the Bmw comes in cheaper,ridiculous !!!!!

[lozz]

its not just the 406s that are hit hard on insurance,
its other pugs too,

dunno why but peugeots seem to be heavy on insurance,

[jonsowman]

Also I've noticed that D9s are more expensive to insure than D8s for me

[grasmere59]

It just don't make sense,the Bmw is over 200 bhp and can do 140+mph and in theory will be driven faster and harder and the price of spare parts to do body repairs is extortionate and the 406 is well a ------------ 406,a very very capable,reasonably cheap to repair,110bhp,etc etc.

[lozz]

im paying just short of 700 quid for the 306,
its only a 1.6, ive got insurance on a 155bhp fiat for half the price and ihad alot less ncb's then,

it dont add up but what can you do?

[Bailes1992]

I insured the new 406 on a 3k a year second car policy for 800 quid. Not bad I thought!

[lozz]

There must be a way to Wangle cheaper car insurance, (honestly but cheakily)
irember when you couid buy something with a 850cc engine insure it for peanuts and then throw a 3.0l or some big lump on the policy as a weekend car,

iguess theyve got wise to that by now tho,

[grasmere59]

I've got them both on an Aviva multicar policy at the moment and it's not that bad for both as i only have them as SDP as i don't use either for commuting but it's the differential price between them or not as it seems if i were to insure them seperately i can't get my head around.

[lozz]

Anyone know how Classic car insurance works,

eg. can you add a 2nd car on with the classic,

[lozz]

I've got them both on an Aviva multicar policy at the moment and it's not that bad for both as i only have them as SDP as i don't use either for commuting but it's the differential price between them or not as it seems if i were to insure them seperately i can't get my head around.

itried that Aviva, they declined to insure me, (postcode iguess)
only time ive got insured with them, was a freebie 7 day drive away policy when ibought the 406 estate off a car dealer,
weird how they can insure anyone but going direct with them was a big no,

[RobTurbo]

There must be a way to Wangle cheaper car insurance, (honestly but cheakily)
irember when you couid buy something with a 850cc engine insure it for peanuts and then throw a 3.0l or some big lump on the policy as a weekend car,

iguess theyve got wise to that by now tho,

About 10 years ago I used to use liverpool victoria for insurance, before they were well known, I had a nova at the time, I changed a few bits and phoned them to get stung but much to my surprise they just said thanks for letting us know, we've updated your policy, so I asked about fitting a GSi engine (1.6), they said a change of engine is £40, for ANY engine change to anything that isn't an identical replacement, shortly after that I had a 2.0 16v red top fitted! I did similar things to other cars but not surprisingly they changed their policies and I couldn't do it anymore, but by then I was old enough and had enough NCB to insure fast cars!

[lozz]

There must be a way to Wangle cheaper car insurance, (honestly but cheakily)
irember when you couid buy something with a 850cc engine insure it for peanuts and then throw a 3.0l or some big lump on the policy as a weekend car,

iguess theyve got wise to that by now tho,

About 10 years ago I used to use liverpool victoria for insurance, before they were well known, I had a nova at the time, I changed a few bits and phoned them to get stung but much to my surprise they just said thanks for letting us know, we've updated your policy, so I asked about fitting a GSi engine (1.6), they said a change of engine is £40, for ANY engine change to anything that isn't an identical replacement, shortly after that I had a 2.0 16v red top fitted! I did similar things to other cars but not surprisingly they changed their policies and I couldn't do it anymore, but by then I was old enough and had enough NCB to insure fast cars!

novas lol, they where fun cars,

[hammerman]

2003 HDI 110 SE estate,37 yrs old,full no claims,protected no claims,15k miles a year,3rd party to drive other cars,£305 a year fully comp .£70 cheaper than last year.

[plod]

I remember having a Nova SR with a gsi engine in, did a few tweaks as well, and they weren't too bothered.

I also remember when I had a 1.8l Opel Manta (90bhp), which was peanuts to insure. I dropped a 2.0 16v redtop in it on twin 48 webbers(180bhp), ashley zorst, bilsteins, tarox brakes, revolution wheels, 400 bodykit, and all they said was what was the power difference, and I said double. They said they'd just charge me double, but as I said, I was paying peanuts, so at the time it seemed like a bargain for the car I had

However with my 406, did a few bits to it ( never did declare the remap ) and they loaded me as good as double, just to have aftermarket wheels, leather, spoiler and powerflow exhaust.

**edit** oh, and I did mention when I was looking for cheaper insurance for the mondingo didn't I ? Can insure a car worth 8 times as much, for half the price, however, to add the 406 as a second car ( continuous insurance bollocks while I get rid ) and the lowest mileage, even though I ain't going to drive the car, is for 50 miles, and they wanted over £800 !!!!! C**k sucking w*****s grrrr
2nd edit, as apparently the above doesn't seem to come within the parameters of the swear filter

[Welly]

This was my take on why the 406 insurance is high..........viewtopic.php?f=5&t=18714&hilit=why+you ... re#p185998