First Lexus, looking to buy an IS250 2007-2010

DnG · July 23

32 minutes ago, zoricib said:

Are you using any comparison websites for insurance? Also as daft as it sounds, comprehensive insurance is cheaper than 3rd party only, in case that's what you were looking at.

I'm using comparethemarket and I always go for Comprehensive. Aviva Zero seems to be the cheapest for me. I don't any any NCD in UK but I managed to get a certificate from abroad as I have about 6 years added up from a car I use during my holidays to europe and I'm 100% sure Aviva accepts foreign NCDs, whereas I tried calling insurance companies that are not on comparison sites (some I found on this forum) and they either do not accept those, or they do but the insurance is like 4-5k+ for an IS250

H3XME · July 23

6 minutes ago, DnG said:

I'm using comparethemarket and I always go for Comprehensive. Aviva Zero seems to be the cheapest for me. I don't any any NCD in UK but I managed to get a certificate from abroad as I have about 6 years added up from a car I use during my holidays to europe and I'm 100% sure Aviva accepts foreign NCDs, whereas I tried calling insurance companies that are not on comparison sites (some I found on this forum) and they either do not accept those, or they do but the insurance is like 4-5k+ for an IS250

Will your current insurance not let you put the IS250 on your cover? I never buy a new policy when changing cars. I just change the car on the policy and pay their admin fee..

Linas.P · July 23

2 hours ago, DnG said:

I would also love the 2010 car but the insurance is £700 higher... Also I doubt they'll knock £400 off the price to get it to £3.500 so I'm way over budget for that one. Hopefully it won't sell by next month when I get more money coming in but I really doubt it. Will go see the 2007 during the weekend.

The difference can't be that big, something else has changed. Maybe the start date? Usually, 2 weeks in the future gives best results. If you trying to get insurance for next day it may be £1000 more expensive... although you never know with Insurance Scams how they operate, sometimes seemingly random things make price £500 lower or higher... In short you just need to play with the quote and see. I am sure you can get quote for both cars very close together.

1 hour ago, H3XME said:

Will your current insurance not let you put the IS250 on your cover? I never buy a new policy when changing cars. I just change the car on the policy and pay their admin fee..

Definitely the cheapest way, sometimes it is as much as 20% cheaper to add car on existing policy compared to starting new policy from scratch and declaring that you just bought car yesterday (or lie).

H3XME · July 23

1 minute ago, Linas.P said:

The difference can't be that big, something else has changed. Maybe the start date? Usually, 2 weeks in the future gives best results. If you trying to get insurance for next day it may be £1000 more expensive... although you never know with Insurance Scams how they operate, sometimes seemingly random things make price £500 lower or higher... In short you just need to play with the quote and see. I am sure you can get quote for both cars very close together.

Definitely the cheapest way, sometimes it is as much as 20% cheaper to add car on existing policy compared to starting new policy from scratch and declaring that you just bought car yesterday (or lie).

If you want to get angry, watch this video..😂 ridiculous. He goes through insurance profits in the past years and struggles to see how they can justify such big premiums.

Linas.P · July 23

6 minutes ago, H3XME said:

If you want to get angry, watch this video..😂 ridiculous. He goes through insurance profits in the past years and struggles to see how they can justify such big premiums.

Yeah seen this - even commented with few more tricks to lower the cost. Insurance is 100% scam, hate them... honestly if I had option not to insure and just accept risk myself I would choose not to insure, it is absolute rip-off. And as he mentioned - most of the time when you have an accident you don't even claim, because you know that increase in premiums (even if it is not your fault) will be far greater than the damage. So you just fix the car yourself... Then why the F to insure at all.

Another one along the same lines:

DnG · July 23

27 minutes ago, Linas.P said:

The difference can't be that big, something else has changed. Maybe the start date? Usually, 2 weeks in the future gives best results. If you trying to get insurance for next day it may be £1000 more expensive... although you never know with Insurance Scams how they operate, sometimes seemingly random things make price £500 lower or higher... In short you just need to play with the quote and see. I am sure you can get quote for both cars very close together.

Nope, putting the price of the car at £4k, that I've had it since february 2024, 6 years of foreign NCD, 10k miles a year, £500 excess and setting the insurance to start on the 20th of august is £1.683 for the 2007 and only changing the numberplate to the 2010 car (everything else stays the same) puts the insurance at £2.468. I tried playing around with the excess, the start date, the price of the car, the miles, combinations of those (trust me, I had months to do it) and the only reason the price would increase is the year of the car.

1 hour ago, H3XME said:

Will your current insurance not let you put the IS250 on your cover? I never buy a new policy when changing cars. I just change the car on the policy and pay their admin fee..

What current cover? 😂 Even the foreign insurance, I only get 1 month year so I can drive around when I go on holiday and it's cancelled the rest of the year.

DnG · July 23

Here are the quotes for the 2 cars (2010 on the left and 2007 on the right), even the cheapest for the 2010 is way over my budget, adding in the £400 difference in the price for the car itself. And I googled ensure flex and they seem to randomly cancel the insurance on foreign ncd, sometimes they do not accept them. Also, the reason I'm trying to stick with Aviva Zero is because it's an international comapany, so technically I can add the car I use abroad for holidays onto the same cover as the IS250 and it would help bring down the cost in the long run.

H3XME · July 23

1 minute ago, DnG said:

Here are the quotes for the 2 cars, even the cheapest for the 2010 is way over my budget, adding in the £400 difference in the price for the car itself. And I googled ensure flex and they seem to randomly cancel the insurance on foreign ncd, sometimes they do not accept them.

Call esure & aviva to see if they can do a better price over the phone. It costs them money by being on the comparison sites so companies are often cheaper over the phone.

Linas.P · July 23

Aviva does not have call centre (at least the Aviva Zero), only the chat.

That said - you can maybe trick them by calling about quote for one car and then saying "what if we try this VRN"... "why it is so much more expensive it is the same car". Most likely they going to be clueless, they always are, but there is slim chance you get to somebody in good mood and with some experience and they may be able to do "discretionary discount" or at least explain why the quote is so much more expensive.

JimmyTightlips · July 23

How long are you willing to wait for a 250?

I'll be selling mine later in the year as I'm importing an IS-F, happy to let it go for cheap in the interest of a quick sale. That'll be late November though, so might be a bit too much of a wait for you.

DnG · July 23

14 minutes ago, H3XME said:

Call esure & aviva to see if they can do a better price over the phone. It costs them money by being on the comparison sites so companies are often cheaper over the phone.

Aviva Zero doesn't have a call centre as Linas said and depending on who is looking at my email with my ncd certificate when I send it to them, there's a high chance they won't be bothered to read it as it will be in 2 languages (obviously one being English) and they'll cancel the cover.

8 minutes ago, Linas.P said:

That said - you can maybe trick them by calling about quote for one car and then saying "what if we try this VRN"... "why it is so much more expensive it is the same car". Most likely they going to be clueless, they always are, but there is slim chance you get to somebody in good mood and with some experience and they may be able to do "discretionary discount" or at least explain why the quote is so much more expensive.

Last time I tried this was with Adrian Flux and I was straight up told "we can't help you" and got hanged up on. Low chance I'll get someone in a good mood and with a bit of power to offer a discount.

8 minutes ago, JimmyTightlips said:

How long are you willing to wait for a 250?

I'll be selling mine later in the year as I'm importing an IS-F, happy to let it go for cheap in the interest of a quick sale. That'll be late November though, so might be a bit too much of a wait for you.

I've been looking for around 2-3 months now, so a bit more of a wait won't hurt. But really depends on what year, model and colour it is, at that point I'll get a facelift model and just pay the higher insurance, the more I wait the higher my budget goes.

JimmyTightlips · July 23

51 minutes ago, DnG said:

I've been looking for around 2-3 months now, so a bit more of a wait won't hurt. But really depends on what year, model and colour it is, at that point I'll get a facelift model and just pay the higher insurance, the more I wait the higher my budget goes.

It's an IS250 Sport, 55 Plate, Manual, Silver, 109k miles with the Nav pack.

DnG · July 25

Ok so insurance is starting to ***** me off. So I've tried looking at 4 different cars to see what year I should actually look out for, a 2007, 2009 and x2 2010's.

The 2010 car I'm currently looking at and is for sale (BJ10XLR), the insurance is £2.457. The first 2010 model I looked at (YS59FZW), the insurance for this is now £1.900, was £1.600, so already that difference doesn't make sense.

I also looked at a 2007 (which is the second car for sale, KF57WNU) and insurance for this is around £1.634 and then I quoted a 2009 just to see if that's gonna make a difference, well, insurance for that is £2.284. So the difference in insurance between a 2010 and 2007 is around £800 !!

All these quotes were done through comparethemarket and looking at Aviva Zero. These do not make sense, it's hard enough that I had to increase the budget for the car itself, but now also the insurance budget needs to be up, just because they randomly decided to add another £600 to insurance since I started looking for a Lexus, which was a few months ago. Just let me have the car for £3.000 and insurance for £1.700 ffs :crybaby:

25 years old, 6 years of NCD, no claims or penalties and I'm still getting bent over and sideways like I just passed my test at 18... And before anyone says "well you're looking at a premium car, increase your budget or look at something smaller/cheaper", I also looked at corsas and fiestas and for some insurance is pretty close to a Lexus's or the car is nearly double the price of what I could get an IS250 for.

Just thought I'd update the post with my thoughts and what I'm going through, once I finally get the car this would be for a nice journal of the journey lol.

Linas.P · July 25

No mate... you delusional (according to insurance wan***rs). Incidentally this is exactly what I paid to insure IS250 when I was 25 - £2,600. But that is nothing. In 2014 I bought 6 years old IS250 for £4,000 and paid £2,600 for just insurance. How ridiculous is that! Also ridiculous is that 10 years later IS250 costs the same, but that is the story for another day.

I bought RC and called insurance to transfer my cover onto new car, from IS250 to RC200t... seems comparable cars, one is 2L turbo, another was 2.5 V6, similar power ~200hp... the answer I am getting "we can't insure you for this car". What? what do you mean you can't insure me.. "we just can't for any price"... WTF! So what you offering for me to do now, why you can't insure me? "young driver powerful car"... Imagine my face - I am 30 at the time and car is fffing toy with 2L lawnmower engine and that counts as "young driver" and "powerful car", only because it has 2 doors. And at the time I had also 5 or 6 years of NCD, but proper ones from UK. And another 6 from abroad, but I never mentioned them as I found they didn't made much difference, I rather just added few years on the time when I came to UK (as that is 1 - none of their fffing business, 2 - none of their business, 3 - they can't check it, 4 it seems to make a difference if it is less than 10 years and 5 last but not least - none of their very fffing business!). So at 30 years old my insurance went from something like £540 to £1,700... eventually I got something cheaper for 10 months, and then got 2 mor years NCD and for second year it dropped to something more reasonable, like £900.

But you are slightly delusional if you think fffing insurance ever made sense in UK or you trying to find some there, it is rip-off scam, except they have direct access to all your personal details, secret private database where they collect literally anything they want without needing to comply to any privacy laws in the name of "preventing scams" (not sure if they mean "preventing" or "enabling"...) and they can absolutelly ruin your life if they are in mood to do it. So just be prepared to be scammed, this is just how they roll here.

zoricib · July 26

9 hours ago, DnG said:

Ok so insurance is starting to ***** me off. So I've tried looking at 4 different cars to see what year I should actually look out for, a 2007, 2009 and x2 2010's.

The 2010 car I'm currently looking at and is for sale (BJ10XLR), the insurance is £2.457. The first 2010 model I looked at (YS59FZW), the insurance for this is now £1.900, was £1.600, so already that difference doesn't make sense.

I also looked at a 2007 (which is the second car for sale, KF57WNU) and insurance for this is around £1.634 and then I quoted a 2009 just to see if that's gonna make a difference, well, insurance for that is £2.284. So the difference in insurance between a 2010 and 2007 is around £800 !!

All these quotes were done through comparethemarket and looking at Aviva Zero. These do not make sense, it's hard enough that I had to increase the budget for the car itself, but now also the insurance budget needs to be up, just because they randomly decided to add another £600 to insurance since I started looking for a Lexus, which was a few months ago. Just let me have the car for £3.000 and insurance for £1.700 ffs

25 years old, 6 years of NCD, no claims or penalties and I'm still getting bent over and sideways like I just passed my test at 18... And before anyone says "well you're looking at a premium car, increase your budget or look at something smaller/cheaper", I also looked at corsas and fiestas and for some insurance is pretty close to a Lexus's or the car is nearly double the price of what I could get an IS250 for.

Just thought I'd update the post with my thoughts and what I'm going through, once I finally get the car this would be for a nice journal of the journey lol.

If you have a friend with UK driving experience & over 30 who would be willing to appear as a second driver on your policy, that might help reduce it. When I started driving I added my GF on a provisional licence and my insurance went down!

H3XME · July 26

Gotta get over it. Insurance makes 0 sense here. In terms of how they generate the prices, but you need a specialist rather than online website. They just look at data. I checked again earlier just out of curiosity. Online comparison websites still quote me £900-1000 for my IS250 (that's with saying the car is not modified). Yet in reality I pay £480/year.. Online quotes are really bad because you don't have that human interaction that can often drive the price down. Online, you're just numbers, not a human.

Have a look on Google if there is a specialist insurance that works with people from Europe/Other countries.

DnG · July 26

58 minutes ago, H3XME said:

Gotta get over it. Insurance makes 0 sense here. In terms of how they generate the prices, but you need a specialist rather than online website. They just look at data. I checked again earlier just out of curiosity. Online comparison websites still quote me £900-1000 for my IS250 (that's with saying the car is not modified). Yet in reality I pay £480/year.. Online quotes are really bad because you don't have that human interaction that can often drive the price down. Online, you're just numbers, not a human.

Have a look on Google if there is a specialist insurance that works with people from Europe/Other countries.

I tried Adrian Flux and Kith Michaels and got hanged up on several times. Twice on AF, as soon as they heard I have no 'official' driving experience in UK or when they quoted me £6k (last time I was randomly transfered to a company that insures modified cars or really bad drivers, and they also hanged up on me when I told them the car isn't modified and that I have a clean record) and once with KM when they said they can't insure me (yes, that's all they said "sorry mate we can't insure you *hangs up*). The guy from AF told me he works from home, from his kitchen, so I guess these companies either can't insure special cases like mine or are really expensive so the people on the phone know you're not going to get the insurance so they hang up on you because you won't be a client so they won't get their commission. Maybe after 2-3 years of UK NCD it'll be easier, my area doesn't help being between Small Heath and Yardley, I mean I get it, I'm scared it might get stolen, already looked at some Scorpion immobiliser and the way people drive here, is like they're half braindead, so I kind of get it. So either I take it on the chin and pay the premium or I change either the car (which isn't gonna happen, I fell in love with the IS250) or I change my house (which again, might not happen in this economy)...

11 hours ago, Linas.P said:

No mate... you delusional (according to insurance wan***rs). Incidentally this is exactly what I paid to insure IS250 when I was 25 - £2,600. But that is nothing. In 2014 I bought 6 years old IS250 for £4,000 and paid £2,600 for just insurance. How ridiculous is that! Also ridiculous is that 10 years later IS250 costs the same, but that is the story for another day.

I bought RC and called insurance to transfer my cover onto new car, from IS250 to RC200t... seems comparable cars, one is 2L turbo, another was 2.5 V6, similar power ~200hp... the answer I am getting "we can't insure you for this car". What? what do you mean you can't insure me.. "we just can't for any price"... WTF! So what you offering for me to do now, why you can't insure me? "young driver powerful car"... Imagine my face - I am 30 at the time and car is fffing toy with 2L lawnmower engine and that counts as "young driver" and "powerful car", only because it has 2 doors. And at the time I had also 5 or 6 years of NCD, but proper ones from UK. And another 6 from abroad, but I never mentioned them as I found they didn't made much difference, I rather just added few years on the time when I came to UK (as that is 1 - none of their fffing business, 2 - none of their business, 3 - they can't check it, 4 it seems to make a difference if it is less than 10 years and 5 last but not least - none of their very fffing business!). So at 30 years old my insurance went from something like £540 to £1,700... eventually I got something cheaper for 10 months, and then got 2 mor years NCD and for second year it dropped to something more reasonable, like £900.

But you are slightly delusional if you think fffing insurance ever made sense in UK or you trying to find some there, it is rip-off scam, except they have direct access to all your personal details, secret private database where they collect literally anything they want without needing to comply to any privacy laws in the name of "preventing scams" (not sure if they mean "preventing" or "enabling"...) and they can absolutelly ruin your life if they are in mood to do it. So just be prepared to be scammed, this is just how they roll here.

Damn, what's funny is that an IS250 convertible is £1.700 on insurance, you would think they know a 2 door coupe convertible is a fun driver so you'll mess around with it more than a 4 door saloon lmao. Insurance should be regulated and have prices set. I used to know some people that would make dogie insurance on addresses that would bring the insurance down to £25 a month, I know a guy who's still on that kind of insurance for the last 6 years, sometimes they used to get cancelled but this guy got lucky.

1 hour ago, zoricib said:

If you have a friend with UK driving experience & over 30 who would be willing to appear as a second driver on your policy, that might help reduce it. When I started driving I added my GF on a provisional licence and my insurance went down!

I barely know people my age, let alone someone over 30 that is willing to help 🤣

H3XME · July 26

8 minutes ago, DnG said:

I tried Adrian Flux and Kith Michaels and got hanged up on several times. Twice on AF, as soon as they heard I have no 'official' driving experience in UK or when they quoted me £6k (last time I was randomly transfered to a company that insures modified cars or really bad drivers, and they also hanged up on me when I told them the car isn't modified and that I have a clean record) and once with KM when they said they can't insure me (yes, that's all they said "sorry mate we can't insure you *hangs up*). The guy from AF told me he works from home, from his kitchen, so I guess these companies either can't insure special cases like mine or are really expensive so the people on the phone know you're not going to get the insurance so they hang up on you because you won't be a client so they won't get their commission. Maybe after 2-3 years of UK NCD it'll be easier, my area doesn't help being between Small Heath and Yardley, I mean I get it, I'm scared it might get stolen, already looked at some Scorpion immobiliser and the way people drive here, is like they're half braindead, so I kind of get it. So either I take it on the chin and pay the premium or I change either the car (which isn't gonna happen, I fell in love with the IS250) or I change my house (which again, might not happen in this economy)...

AF, Keith Michaels etc are modified/import specialit. They won't really help you..

Try calling these:
https://www.nfumutual.co.uk/motor-insurance/
www.sterling-insurance.co.uk/

https://www.marshmallow.com/insurance-for-expats

https://www.insurancefactory.co.uk/car-insurance

DnG · July 26

9 minutes ago, H3XME said:

AF, Keith Michaels etc are modified/import specialit. They won't really help you..

Try calling these:
https://www.nfumutual.co.uk/motor-insurance/
www.sterling-insurance.co.uk/

https://www.marshmallow.com/insurance-for-expats

https://www.insurancefactory.co.uk/car-insurance

Thanks, I'll give these a try. From what I've heard they tend to stay way from people that are outside of the norm, with foreign NCD or that have no UK driving experience, but I'll give them a call, who knows, might be a bit hard to say I've owned the car for a year, I'm not good at lying my way through a conversation :laughing:

Also, marshmallow is on comparison sites, and they're either too expensive or they just don't even show up on my quotes

H3XME · July 26

1 hour ago, DnG said:

Thanks, I'll give these a try. From what I've heard they tend to stay way from people that are outside of the norm, with foreign NCD or that have no UK driving experience, but I'll give them a call, who knows, might be a bit hard to say I've owned the car for a year, I'm not good at lying my way through a conversation

Also, marshmallow is on comparison sites, and they're either too expensive or they just don't even show up on my quotes

Yeah but like I said, online you are just a number or a bunch of data. Might be a different conversation over the phone.

Linas.P · July 26

3 hours ago, DnG said:

I used to know some people that would make dogie insurance on addresses that would bring the insurance down to £25 a month, I know a guy who's still on that kind of insurance for the last 6 years, sometimes they used to get cancelled but this guy got lucky.

It is pretty much like having no insurance if accident happens, so as long as nothing happens I guess it is marginally better as Police would not know... that said when was the last time you been stopped by police? I am driving in UK for 14 years and never seen police stopping people, let alone being stopped myself.

Basically what I am saying - I am not sure what £25 achieves? Certainly, it does not cover your car if anything happens.

H3XME · July 26

1 hour ago, Linas.P said:

It is pretty much like having no insurance if accident happens, so as long as nothing happens I guess it is marginally better as Police would not know... that said when was the last time you been stopped by police? I am driving in UK for 14 years and never seen police stopping people, let alone being stopped myself.

Basically what I am saying - I am not sure what £25 achieves? Certainly, it does not cover your car if anything happens.

I've been pulled over a few times. Never any real outcome of it other than a slap on the wrist, but one of the times it was because my car was showing as "Uninsured" even though it was.. (I insured the car only a few days prior to being pulled over.) there is a roughly 2 week delay before the database updates, so I had to show them a proof of insurance (email). The fake insurance for £25/m is just so you don't get pulled over if ANPR picks up your plate like it happened to me.

DnG · July 26

2 hours ago, Linas.P said:

It is pretty much like having no insurance if accident happens, so as long as nothing happens I guess it is marginally better as Police would not know... that said when was the last time you been stopped by police? I am driving in UK for 14 years and never seen police stopping people, let alone being stopped myself.

Basically what I am saying - I am not sure what £25 achieves? Certainly, it does not cover your car if anything happens.

Yeah, pretty much never. In 16 years I've only seen police stop a guy once, that was last month on the M6.

Also, let's be honest, insurance is so high that in majority of accidents you'd rather fix the car yourself (in cases where the car is not worth more than £4k and insurance is over £1k) rather than going through insurance and having the car witten off just for a bumper dent. My dad had a minor accident a few years ago and we decided to fix the car ourselves, paid about £200 for a new door and had it painted and fitted. Imagine the insurance if we were to claim, most if not all NCD taken off and having that stain of "involved in accident" on your record. So even if I ever get into an accident, I'd rather fix the car myself or just buy a new one rather than being f'ed sideways by insurance. Insurance is pretty much just a green tick on askmid (or whatever it's called now) just so you can drive around peacefully without the fear of you being pulled over or having a fine come through your letterbox. Insurance only makes sense if you have a really expensive car and you pay under £1.5k a year, when small repairs can cost double that.

Linas.P · July 26

That is right, never claim on insurance and usually it is not worth it. The same old IS250 was written off in exactly the same way - it was scratch on the bumper and they just written it-off. I was quite glad to be honest and sort of pushed towards that outcome (you can actually negotiate what will happen, whenever you accept write-off and take money or push for repair), because cars was near 200k and I got something like £3,700, not bad deal considering I paid £4,000 for the car 6 years earlier. And I choose to keep the car by paying £600 and then sold it with category for £2800... so really kind of made profit on it.

Also earlier this year guy scratched the bumper of my GS300, my girlfriend was driving and she was mortified when I told her we not going to claim. She was like "yeah but it was his fault right and we have it on dashcam"... And I was like "yeah it was, but if we claim then you never going to get insurance again on this car, because it will cost £2,000 for you if there is record of the accident in your name and for the scratch on the bumper which is like £200, it is just not worth it".

Also you do not lose NCD if it is not your fault, but NCD is also basically meaningless, maybe 20 years ago it meant something, now it is just psychological thing, people are afraid to drive just not to lose NCD... realistically what counts is not NCD, but whenever you had accidents or not. So in case of the IS250 I have not lost NCD, but my insurance went-up by 30% right away because there is accident on the record. It is such a scam, really it should be illegal to increase premiums when the accident is non-fault, but it is moot point - government would not be able to enforce it anyway, because the only way to do it is to force insurance companies to open-up their private databases (which again should be illegal) and show their algorithm (which decided the factors). This never going to happen... same like with insurance being cheaper for women. Yes it was ruled gender discrimination is illegal and insurance promised they stop doing it, but it is still way cheaper for women to insure and there is no way to prove it, because the whole quoting system and price is so opaque that it is almost impossible to know why insurance cost what it costs. Of course I know for a fact is it cheaper for women and it can even be proven... sort of... you can take same quote without entering driving license number and just create 2 identical quotes the only difference being gender and I can guarantee you the insurance for woman will be cheaper. Or perhaps they now coded it in such way to detect such behaviour so you wont see the difference, so you kind of forced into comparing incomparable quotes and they can always say "it is other factors that makes insurance cheaper". For example when I was 25, I had already 9 years driving experience (got license at 16), 1 year NCD and my insurance was £2,600. Year later my girlfriend was 25 years old, 0 years experience (no license at all actually, I think we entered her provisional license number assuming basically she get), 0 years NCD - insurance on her own £900 (without me being as main driver or anything) for exactly the same car. Obviously, insurance will say "nah other factors, you can't compare quotes years apart", but we all know it is definitely cheaper, there is no way any 25 years old insures IS250 for £900, with 0 experience and 0 NCD.

H3XME · July 26

47 minutes ago, Linas.P said:

NCD is also basically meaningless, maybe 20 years ago it meant something, now it is just psychological thing,

NCB still means the same thing. You generally get 10% discount for every year and it's capped at 6-7 for most insurers. So 6 NCB is 60% discount of your base quote.

You will not see this, but the underwriter's base quote is say £2000. They will then apply your 6 NCB's (60% discount). Your quote is now looking like £800 thanks to those NCBs.

If you get into an accident, but your NCBs are protected (like mine for extra £20). Your base quote next year may be £4000 because of the accident.. but you still have your NCBs so they can apply that 60% discount to that figure, so now you're paying £1600.. Now imagine what it would be like if your base quote is already high due to postcode, vehicle etc and you don't have protected no claim bonuses that you just lost in an accident.. You're gonna be quoted 4k 🫠

Someone I know rear ended a car in a crawling traffic, minimal damage to the bumper. It was deemed as 50/50 fault. They had to go through insurance because the person who got rear ended wanted to go through the insurance. The guy I know lost 2 years of his NCB and that's it. So you don't always lose all of them.