UK-POLOS.NET - THE VW Polo Forum

Posted: **Wed Nov 06, 2019 8:39 pm**

Tried to get insurance sorted on my 1.0 polo tsi .... quote with axa who ive had for years was £250 .... £10 more than it was costing to insure my Golf R !!! Phoned them up and they would not budge, found this really strange considering the difference in cars..

Found a new insurer and best quote was £160....

Posted: **Thu Nov 07, 2019 5:46 pm**

brynteg73 wrote: Wed Nov 06, 2019 8:39 pm Tried to get insurance sorted on my 1.0 polo tsi .... quote with axa who ive had for years was £250 .... £10 more than it was costing to insure my Golf R !!! Phoned them up and they would not budge, found this really strange considering the difference in cars..

Found a new insurer and best quote was £160....

that is price per year?

Posted: **Thu Nov 07, 2019 6:06 pm**

Yea per year

Posted: **Thu Nov 07, 2019 7:12 pm**

That is not bad

Iam jeallus as hell right now

I pay 861

Posted: **Thu Nov 07, 2019 9:35 pm**

Dark_cze wrote: Thu Nov 07, 2019 7:12 pm That is not bad Iam jeallus as hell right now I pay 861

Yea not bad, im old tho lol, but the shock was the polo was more than the R with axa ...

Posted: **Fri Nov 08, 2019 12:52 am**

brynteg73 wrote: Thu Nov 07, 2019 9:35 pm
Dark_cze wrote: Thu Nov 07, 2019 7:12 pm That is not bad Iam jeallus as hell right now I pay 861
Yea not bad, im old tho lol, but the shock was the polo was more than the R with axa ...

I agree that is weird.

Posted: **Fri Nov 08, 2019 10:57 am**

brynteg73 wrote: Thu Nov 07, 2019 9:35 pm
Dark_cze wrote: Thu Nov 07, 2019 7:12 pm That is not bad Iam jeallus as hell right now I pay 861
Yea not bad, im old tho lol, but the shock was the polo was more than the R with axa ...

Is the ACC system standard on the trim level of Polo you have currently? That system can go a long way to minimising risk of rear ending a car in the eyes of some insurers. My Golf R was a tenner less toinsure than my GTD with the same ACC system.

Posted: **Fri Nov 08, 2019 11:23 am**

Yea I have the acc on the polo , great system

Posted: **Sat Nov 09, 2019 12:53 am**

GTI sent in wednesday for brake check, apparently I had the most recent software, so other than giving the mechanics on duty that day a joyride excuse, absolutely nothing came of it. Brakes still moo’ing like field full of cows

I also ordered the “custom” resonator delete pipe mod, which I really look forward to mounting and hearing in person.
I’ll see if I remember doing some before/after vids.

Posted: **Sat Nov 09, 2019 1:11 pm**

Time for my latest Retrofit not even available as an option!
https://photos.google.com/photo/AF1QipP ... LffU6dmAXE
https://photos.google.com/photo/AF1QipN ... 5PD5HErscS

Also with High Beam Assist too

Scott

Posted: **Sat Nov 09, 2019 4:00 pm**

brynteg73 wrote: Wed Nov 06, 2019 8:39 pm Tried to get insurance sorted on my 1.0 polo tsi .... quote with axa who ive had for years was £250 .... £10 more than it was costing to insure my Golf R !!! Phoned them up and they would not budge, found this really strange considering the difference in cars..

Found a new insurer and best quote was £160....

Insurance seems to have no logic at times. I have just got my renewal quotes in the for 2 GTI+ we have in the household, with my wife being main driver on the newer one.

Our renewals with Quote me happy are as good as I've found on the comparison sites (I have found a little cheaper for me, but a lot more for the wife on the comparison sites, so inclusive of multicar discounts, we're better off staying where we are for the 2 cars).

My Quote is £359, with 25 years driving, 15+ years no claims, no convictions in last 5 years and 2 non fault accidents in the last 5 years for which my insurance didn't pay a penny towards settlement.

My wife's quote is £278, she's been driving 4 years, has 4 years no claims and is 2 years younger than me. Not that it's reportable in the quote, but she can't parallel park to save her life!

How the hell is she 23% cheaper than me? Seems to be a lot of emphasis on those non-fault claims and not much recognition for 11 years NCD over and above the wife. A lot of insurers don't count beyond 6 or 7 years, but even so, I thought it would more than cancel out those non-fault claims.

Posted: **Sat Nov 09, 2019 5:11 pm**

monkeyhanger wrote: Sat Nov 09, 2019 4:00 pm
brynteg73 wrote: Wed Nov 06, 2019 8:39 pm Tried to get insurance sorted on my 1.0 polo tsi .... quote with axa who ive had for years was £250 .... £10 more than it was costing to insure my Golf R !!! Phoned them up and they would not budge, found this really strange considering the difference in cars..

Found a new insurer and best quote was £160....
Insurance seems to have no logic at times. I have just got my renewal quotes in the for 2 GTI+ we have in the household, with my wife being main driver on the newer one.

Our renewals with Quote me happy are as good as I've found on the comparison sites (I have found a little cheaper for me, but a lot more for the wife on the comparison sites, so inclusive of multicar discounts, we're better off staying where we are for the 2 cars).

My Quote is £359, with 25 years driving, 15+ years no claims, no convictions in last 5 years and 2 non fault accidents in the last 5 years for which my insurance didn't pay a penny towards settlement.

My wife's quote is £278, she's been driving 4 years, has 4 years no claims and is 2 years younger than me. Not that it's reportable in the quote, but she can't parallel park to save her life!

How the hell is she 23% cheaper than me? Seems to be a lot of emphasis on those non-fault claims and not much recognition for 11 years NCD over and above the wife. A lot of insurers don't count beyond 6 or 7 years, but even so, I thought it would more than cancel out those non-fault claims.

Insurers’ premium calculation algorithms are very complex these days, using multiple risk factors. Claims and convictions, driver age and driving experience will be some of the risk factors used to calculate the premium but there’ll be may other risk factors used, and some insurers might also be using information about us that we’ve consented to them obtaining that we might not immediately associate with the risk of insuring a car.

When we sign up to a new insurance, we’ll almost certainly be giving consent to an insurer carrying out a number of searches to collect information about us as individuals from various sources. There’s a good chance they may use some of this information in assessing what type of individuals we are and what type of insurance risk we represent, and it could be some of this additional information that has a bearing on your premium. Quote Me Happy certainly carry out various information searches and checks that you’ll have consented to them carrying out. From the Quote Me Happy website;

Credit Searches and use of Third Party Information
To ensure we have the necessary facts to assess your insurance risk, verify your identity, to help prevent fraud and to provide you with our best premium and payment options, the insurer may:

Obtain information from third parties including a quotation search from a credit reference agency. This search will appear on your credit report and will be visible to other credit providers. It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments.

Use information relating to you and your car supplied to us by other third parties.

Link to the full Important information relating to your policy section from the Quote Me Happy website below;
https://www.quotemehappy.com/Important- ... ation-home

Posted: **Sat Nov 09, 2019 9:49 pm**

Scotty_boy vw wrote:Time for my latest Retrofit not even available as an option!
https://photos.google.com/photo/AF1QipP ... LffU6dmAXE
https://photos.google.com/photo/AF1QipN ... 5PD5HErscS
7FAB42B0-50F0-4A57-BEC9-66A875C0F2E4.jpeg

FDB399C9-23BF-4C55-8879-872D65732F2B.jpeg

FA035BC9-5C53-4D3D-8A97-A101320A3D17.jpeg

74C8DDBA-3207-4827-8FE6-5B40FBAFE06C.jpeg

DAB4C476-5CA2-47DF-8D31-BF4CCD7D4EA5.jpeg
Also with High Beam Assist too

Scott

Do you have any links for this or instructions ?
The lane assist and high beam assist are the only things the fiesta st has over the polo.
Would love to have this !

Sent from my SM-N9750 using Tapatalk

Posted: **Sun Nov 10, 2019 1:25 pm**

MattHGR wrote: Sat Nov 09, 2019 9:49 pm
Scotty_boy vw wrote:Time for my latest Retrofit not even available as an option!
https://photos.google.com/photo/AF1QipP ... LffU6dmAXE
https://photos.google.com/photo/AF1QipN ... 5PD5HErscS
7FAB42B0-50F0-4A57-BEC9-66A875C0F2E4.jpeg
FDB399C9-23BF-4C55-8879-872D65732F2B.jpeg
FA035BC9-5C53-4D3D-8A97-A101320A3D17.jpeg
74C8DDBA-3207-4827-8FE6-5B40FBAFE06C.jpeg
DAB4C476-5CA2-47DF-8D31-BF4CCD7D4EA5.jpeg
Also with High Beam Assist too

Scott
Do you have any links for this or instructions ?
The lane assist and high beam assist are the only things the fiesta st has over the polo.
Would love to have this !

Sent from my SM-N9750 using Tapatalk

Hell yeah that would be great

Posted: **Sun Nov 10, 2019 10:26 pm**

Scotty_boy vw wrote: Sat Nov 09, 2019 1:11 pm Time for my latest Retrofit not even available as an option!
https://photos.google.com/photo/AF1QipP ... LffU6dmAXE
https://photos.google.com/photo/AF1QipN ... 5PD5HErscS
7FAB42B0-50F0-4A57-BEC9-66A875C0F2E4.jpeg
FDB399C9-23BF-4C55-8879-872D65732F2B.jpeg
FA035BC9-5C53-4D3D-8A97-A101320A3D17.jpeg
74C8DDBA-3207-4827-8FE6-5B40FBAFE06C.jpeg
DAB4C476-5CA2-47DF-8D31-BF4CCD7D4EA5.jpeg
Also with High Beam Assist too

Scott

Wow instructions would be great!

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