Age group 30 to 49 years of age
The most competitive companies and there groups of companies in this category are:
• Admiral & associate companies.
• Direct Line & associate companies.
• E Sure & associate companies.
• Liverpool Victoria.
• Price comparison services.
Admiral & associate companies:
Companies to try:
• Bell Direct • Diamond • Elephant
Drivers:
• All drivers 30 to 49 years of age.
• Full or provisional license (full license less than 1 year classed as provisional license).
• better rates with mature additional driver (mature driver means over 35 years of age, full license over 5 years, no fault claims last 3 years, no convictions last 5 years).
Cars:
• Family and higher rated.
Options:
• Females – try Diamond.
• Males – try Bell Direct.
• Good if less than maximum No Claims Discount (NCD) earned.
• 10 month policy available with extra years NCD.
• Up to 6 points last 5 years.
• Up to 2 fault claims last 3 years.
• Try for bans.
• Social use only, extra use costs more.
Comments:
Good company, usually good value. Always try. Beware of Flexi-Bell policy.
Direct Line & associate companies:
Companies to try:
• Churchill • Privilege • Tesco • Prudential
Drivers:
All drivers 30 to 49 years of age, full or provisional license (full license less than 1 year classed as provisional).
Cars:
• Family and some higher rated cars.
• Maximum value £50,000.
• Minimum value £1,000.
Options:
• Always try Prudential.
• Female drivers Churchill.
• Up to 2 fault claims last 3 years over this try Privilege.
• Up to 6 points last 5 years over this try Privilege.
• Young additional drivers (under 25) Privilege.
Comments:
A MUST TRY COMPANY for this age group, excellent discounts if your home insurance is with them. Normally include use in connection with your occupation a fantastic company. Direct Line have been uncompetitive in the last 18 months and continue to be expensive.
E Sure & associate companies:
Companies to try:
• E Sure • Sainsbury • Sheilas Wheels
Drivers:
• All drivers 30 to 49 years of age.
• E Sure no fault claims last 3 years.
• Full license only.
• Maximum 3 points last 5 years.
• Maximum No Claims Discount only.
Cars:
• E Sure family cars only.
• Try Sainsbury for all risks.
• Sheilas Wheels (females only) family and some higher rated.
Options:
• Sainsbury
Maximum 2 fault claims last 3 years. Maximum 6 points last 5 years. With or without NCD.
• Sheilas Wheels
Ladies only policy. Maximum 1 fault accident last 3 years.
• Maximum 3 points last 5 years. With or without NCD. Male additional drivers OK.
• All companies normally include use in connection with occupation plus social.
Comments:
Fantastic company. Not competitive on new business throughout 2006. Looking much better recently.
Liverpool Victoria:
Companies to try:
• Liverpool Victoria • What Car Insurance
Drivers:
• All drivers.
• Full UK license only.
Cars:
• Family, higher rated and exotic.
Options:
• Up to 2 fault claims last 5 years
• Points on license OK as long as no ban involved.
Comments:
Good rates for females. Terrific company.
Price comparison services:
Companies to try:
• moneysupermarket.com • Best Advice UK
• Tesco Compare
Drivers:
• All drivers.
• Full or provisional license.
• Cater for all risks.
• With or without No Claims Discount.
Cars:
• Family, higher rated and exotic.
Options:
• Internet – moneysupermarket.com and Tesco Compare.
• Phone/Internet – Best Advice UK.
Comments:
MUST TRY COMPANIES. They will do a lot of hard work on your behalf to give you an impartial idea of rates for the whole market. |
