Manly car insurance chat

[Tonge moor green jacket]

1 hour ago, Dimron said:

Stay away from French cars... too complicated to work on

Have you thought about Mazda CX5?

Thinking of one myself to tow a caravan

Had citroen vehicles for years. 

In general reliable and value for money. 

As above, we had a c4 grand Picasso a few years ago, and the 1.6hdi wasn't powerful enough for its size- it blew three injectors at once.

Everything else has been fine.

Currently on our second passat, and this one has had a number of issues.

[Winchester White]

2 hours ago, Dimron said:

Stay away from French cars... too complicated to work on

Have you thought about Mazda CX5?

Thinking of one myself to tow a caravan

It is 2024 not 1994. All cars are complicated.

[Dimron]

2 hours ago, Tonge moor green jacket said:

Had citroen vehicles for years. 

In general reliable and value for money. 

As above, we had a c4 grand Picasso a few years ago, and the 1.6hdi wasn't powerful enough for its size- it blew three injectors at once.

Everything else has been fine.

Currently on our second passat, and this one has had a number of issues.

I had a C5 Estate on lease 2009 when they were virtually gifting them away... good car, ran it for the 3 years, aircon went tech (fixed under warranty) but apart from that no problems but I wouldn't want to own one more than 5 or so years old... labour might cost too much for repairs, as I said the French have their own peculiar way of over-complicating things.

I used to really rate VW (wife had a couple of Siriocos back in the day) but they seem to have taken their eye off the ball, another car with too many sensors.

[Tonge moor green jacket]

Like for like, vw I reckon have been more to repair. And more to service.

[Dimron]

1 hour ago, Tonge moor green jacket said:

Like for like, vw I reckon have been more to repair. And more to service.

I had a new Audi in 2001... that had more breakdowns than any other new car I have owned... power steering hoses burst, instrument/immobiliser module and more... really surprised as I thought I was buying Teutonic efficiency

Edited December 8, 2024 by Dimron

[only1swanny]

Current line ups..

Volvo xc60 2.4 AWD 2016 80k miles Comfy, 50mpg, but expensive insurance (65 a month)

VW Tiguan 2.0 AWD 2017 60k miles comfy, smaller, but lacks any wow factor, very plain (50 a month insurance)

Renault Kadjar 2WD 1.5 2018 40k miles, quite quirky, smaller, but french and underpowered? 75mpg on fuel though!

I'd just have a transit van but wife said no! (40 a month insurance)

strangely my 2009 Volvo xc60 is only 40 quid a month insurance, but it's costing me about 240 quid a month to go to wigan and back as it only does 30mpg, which was Ok when I worked 2 miles down the road!

Trying to get hold of a passat that hasn't been to the moon is pretty much impossible!

I've always bought from the same garage, went to try a Kadjar today, started it up and the injector and polution filter came up as engine management warnings straight away.. no ta!

[Dimron]

3 hours ago, only1swanny said:

Current line ups..

Volvo xc60 2.4 AWD 2016 80k miles Comfy, 50mpg, but expensive insurance (65 a month)

VW Tiguan 2.0 AWD 2017 60k miles comfy, smaller, but lacks any wow factor, very plain (50 a month insurance)

Renault Kadjar 2WD 1.5 2018 40k miles, quite quirky, smaller, but french and underpowered? 75mpg on fuel though!

I'd just have a transit van but wife said no! (40 a month insurance)

strangely my 2009 Volvo xc60 is only 40 quid a month insurance, but it's costing me about 240 quid a month to go to wigan and back as it only does 30mpg, which was Ok when I worked 2 miles down the road!

Trying to get hold of a passat that hasn't been to the moon is pretty much impossible!

I've always bought from the same garage, went to try a Kadjar today, started it up and the injector and polution filter came up as engine management warnings straight away.. no ta!

 

Just looked your choices up on Which? (I am a member)

Volvo...71%

VW,,, 76%

Renault... 65%

Going on the best...

VW Pros

• Roomy cabin
• practical
• smooth diesel engines

VW cons

• Poor rear visibility
• higher-powered diesels aren’t economical
• fiddly touch-sensitive controls

[only1swanny]

2 hours ago, Dimron said:

 

Just looked your choices up on Which? (I am a member)

Volvo...71%

VW,,, 76%

Renault... 65%

Going on the best...

VW Pros

• Roomy cabin
• practical
• smooth diesel engines

VW cons

• Poor rear visibility
• higher-powered diesels aren’t economical
• fiddly touch-sensitive controls

found a section on honest john where people upload their real fuel economy..

They all lie, but Volvo, no better on fuel despite the euro 6 engine.

Looks like its a Kadjar.. cheap to insure mind

[Dimron]

12 hours ago, only1swanny said:

found a section on honest john where people upload their real fuel economy..

They all lie, but Volvo, no better on fuel despite the euro 6 engine.

Looks like its a Kadjar.. cheap to insure mind

From Which?

"If you want a high-riding family car that offers good value, has a sense of style and puts passenger comfort above fun, the Kadjar is a decent proposition."

Pros

• Plenty of space for passengers and luggage
• excellent cabin layout

Cons

 

• Restricted rear visibility
• not easy to manoeuvre
• notchy manual gearbox

 

"Our 130hp 1.2 petrol test model averaged 41.5mpg in our hands, some way off the claimed 50.4mpg. It was similar story with the 1.6 petrol model, which achieved 39.8mpg in our testing (official claim: 45.6mpg).

The 1.6-litre diesel proved more economical, averaging 52.3mpg, although this is still short of the manufacturer's claimed figure (57.6mpg).

The 1.5-litre 110hp diesel is the most economical in the range, according to the official figures, averaging up to 74.3mpg and with CO2 emissions as low as 99g/km."

[DazBob]

I think I'd rather ride around on one of Bolty's peanut grinders than drive around in something like a Kadjar,

[Casino]

6 hours ago, DazBob said:

I think I'd rather ride around on one of Bolty's peanut grinders than drive around in anything French

 

[frank_spencer]

On 08/12/2024 at 11:53, Spider said:

Good shout.

To be honest, the car itself is less of a hassle than the fckin insurance

Fucking loved my Swift, more poke and gadgets than a corsa/fiesta/polo for the price, cheaper to insure as well.

At the time it came with a 1.4l engine rather than the 1l you got in the competition.

[only1swanny]

11 hours ago, DazBob said:

I think I'd rather ride around on one of Bolty's peanut grinders than drive around in something like a Kadjar,

slim pickins atm size wise though

Needs to be

good on fuel (1000-1200 miles a month)

Less than £13k

Tow a trailer

have enough room for 4 people, including a very lanky daughter, and 2 dogs in the back

Be able to fit a few toolboxes in the back. 

Find loads that have done over 100k miles, but no way am I paying over 10k for a car with over 100000 miles.

[only1swanny]

11 hours ago, DazBob said:

I think I'd rather ride around on one of Bolty's peanut grinders than drive around in something like a Kadjar,

The anti french thing always confuses me, someone at work said they would never have a french car.. They have a 1.6 mini cooper, with a Pug engine in it.. 

The Kadjar is pretty much a beefed up Quashqui, and nissans are pretty reliable. 

Meanwhile the c4 picasso uses the same 1.6 engine as Ford, Pug and Volvo, and has ongoing issues with injectors failing costing a small fortune to be fixed (they need coding in). 

 

[Ani]

I have Toyota CHR, which is fine but it does not have a rear wind screen wiper which bugs the shit out of me. As much because my missus moans about a lot but it is weird omission . 
 

They say it has improved the aero dynamics and is designed so rain flows away. Not convinced. 

Edited December 10, 2024 by Ani

[Traf]

5 hours ago, Ani said:

I have Toyota CHR, which is fine but it does not have a rear wind screen wiper which bugs the shit out of me. As much because my missus moans about a lot but it is weird omission . 
 

They say it has improved the aero dynamics and is designed so rain flows away. Not convinced. 

Some CHRs now have the back wiper, after a couple of other manufacturers had complaints about their cars with the same design.

[frank_spencer]

My Renault Arkana is a fantastic bit of kit but also suffers from no rear wiper.

[batton carrier]

On 07/12/2024 at 20:33, Zico said:

Got done doing 49 in a 40 

Took the awareness course online for £90, the other option was in person in Horwich 

3 hours on a Monday afternoon in Feb 

Can you turn your camera off?

No and you can't have anyone in the room. I got told off because the dog was in the room . I said "I know border collies are clever but I doubt he will be able to tell me any of the answers" it didn't help and I had to remove him. I preferred the one I attended the online one seemed to last forever.

[Dimron]

Never had this one before

Why can't we renew your insurance

It’s been great having you with us this past year.

Right now though, our underwriting rules mean that there are some drivers we simply can’t continue to cover, no matter how much we’d like to. It can be for lots of reasons, from the type of car they drive to where they live.

Just know that it’s nothing personal and it’s not forever. We’re working hard so that we can expand our cover in future.

 

Ageist bastards... Aviva just came in £100 cheaper anyway

 

[only1swanny]

4 hours ago, Dimron said:

Never had this one before

Why can't we renew your insurance

It’s been great having you with us this past year.

Right now though, our underwriting rules mean that there are some drivers we simply can’t continue to cover, no matter how much we’d like to. It can be for lots of reasons, from the type of car they drive to where they live.

Just know that it’s nothing personal and it’s not forever. We’re working hard so that we can expand our cover in future.

 

Ageist bastards... Aviva just came in £100 cheaper anyway

 

My dad had it based on his car, said they can no longer insure those cars (some land rover) in his area.. 

[only1swanny]

On 08/12/2024 at 20:46, Dimron said:

 

Just looked your choices up on Which? (I am a member)

Volvo...71%

VW,,, 76%

Renault... 65%

Going on the best...

VW Pros

• Roomy cabin
• practical
• smooth diesel engines

VW cons

• Poor rear visibility
• higher-powered diesels aren’t economical
• fiddly touch-sensitive controls

Ended up buying the VW tiguan. 1000 miles later and I'm happy, churning out 48mpg for a 2.0 diesel with 150 bhp.

4wd came in handy in the snow

no issues at all. 

[Sweep]

10 hours ago, only1swanny said:

My dad had it based on his car, said they can no longer insure those cars (some land rover) in his area.. 

I think that I read a lot of companies won't insure Range Rovers now (in certain places)

[Dimron]

11 hours ago, only1swanny said:

My dad had it based on his car, said they can no longer insure those cars (some land rover) in his area.. 

Nothings has changed... same old Lexus parked in the same place and doing the same mileage... only thing that has changed is that I'll be 69 this year... pal of mine had his insurance leap up when he turned 70, like me he'll give any a young 'un a run for their money... he still rides a Norton

[only1swanny]

10 hours ago, Dimron said:

Nothings has changed... same old Lexus parked in the same place and doing the same mileage... only thing that has changed is that I'll be 69 this year... pal of mine had his insurance leap up when he turned 70, like me he'll give any a young 'un a run for their money... he still rides a Norton

hes just turned 68, 69 this year. 

That said he was broken into 2 days before Christmas, so maybe theyre not wrong..

[Dimron]

24 minutes ago, only1swanny said:

hes just turned 68, 69 this year. 

That said he was broken into 2 days before Christmas, so maybe theyre not wrong..

Wish him happy birthday... at least I pay less than £100 for classic car insurance... might be the answer, get a 20 odd year old car 🙂