New user..insurance

BigT

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Hey guys great forum. I have recently bought my first jag. Xtype sport estate. Just spent a few days looking through all the threads on some of the things on the car that don’t work. Decided not to start messing about as I bought the car in Tenerife and heading home to Scotland with it. Anyway I was surprised at how expensive it is to insure. Roughly worth 1.5-2k and looking for nearly the same for insurance. Is this about right? Thanks
 

Fraser

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Is that the premium after or before no-claims discount ? It sounds about right for a young person, or somebody in their mid-70s and upwards. Other thing is - have you shopped around for insurance ? Don't buy add-ons you don't need.
 

JimC64

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Hi there, absolutely not at that price unless you're 17 and JUST passed your test or have a whole barrow load of convictions / points etc

shop around on Gocompare or similar, maybe a slightly higher excess will work. Try slightly changing your job title a little ( tweak it ) and see how you go

Jim
 

Rowley_1812

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So many variables that Insurers take into account. :|

Age, experience, accidents, convictions, location, garage, car type, modifications, mileage, drivers, level of cover ... you name it, the list goes on.
:arrow:

Only thing you can do is search around and find the best quote as we're all different.
;-)
 

system11

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As Jim said, that's absurd unless you're young and/or have a patchy driving record. I know it will ruffle some feathers but I'm going to say it anyway, it's essentially a fancy Mondeo. Sport in the name or not, it's a family estate car and should not be hit with "expensive luxury car" premium swindles. I have good luck with comparethemarket for shopping around.
 

JimC64

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Just as an example, or a couple actually

My wife has a 2.2d Sport Premium, aged 50 with 13 yrs NCD living in Glasgow area and the X type is covered for around £220 iirc

My son has a 2.0d aged 29 with around 5 years NCD living in Glasgow area and his X type is covered for around £550 I think, thereabouts

You need to have a play around, check out others and see how you go
Jim
 

Fraser

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Just as an example, or a couple actually

My wife has a 2.2d Sport Premium, aged 50 with 13 yrs NCD living in Glasgow area and the X type is covered for around £220 iirc

My son has a 2.0d aged 29 with around 5 years NCD living in Glasgow area and his X type is covered for around £550 I think, thereabouts

You need to have a play around, check out others and see how you go
Jim

So if your son gets 60% no-claim discount at 5 years, this takes the basic premium to well over £1000. And being 29 he is well outside the heavy premiums charged to those 25 and under.
 

BigT

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Thanks all for reply’s... I’m still travelling to uk at the moment,cars giving me heart failure with management lights now onin France now so not long...yes I was surprised by how expensive I was quoted...clean license for 32 yrs..age 49 now....had over 20 years NCD...although 5 years abroad might not count(I’ll find out as I ended up saying 10 ncd) £52pm...that’l do just now....thanks for all the reply, hopefully new motor makes it to Scotland
 

JimC64

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Hope you make it ok BigT

Insurance is much better at £52pm (£624 the year ) certainly much better than £1500+ you were talking about, but still very expensive for your age / driving history etc

Best
Jim
 

BigT

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Thanks Jim, nearly their lol...must be the dodgy area and DD taking it up��
 
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