Hay all.
Ok i spent bloody ages trying to sort my insurance on the phone to companys and i have finaly came out with 2 options both with benifits.
Option: 1 Sky Insurance
Total cost £790 fully comp
Insured to drive other peoples cars 3rd party
Im with them already so less hassel to contine with them
APR on paying monthy about 13% making monthly payments reaonable
£400 total excess
Option 2: HIC (Sister Company to Adrian Flux)
Total cost £785 fully comp
Insured to drive other peoples cars 3rd party
Like for like Mods cover
APR on paying month 34% which is VERY high, or 3 monthly installments with a set charge of £50 interest
But for my next year policy i get a 10 - 20% discount.
£400 total excess
What apeals the most with HIC is my 10 - 20% discount cover for next year, Sky Insurance bumped my insuance buy £160 this year and the only reason there offereing it now at £790 and not £867 (after lots of hassel) is because Competition Car Insuance offered it for £788 but Competition Car Insuance wont Insure to drive other peoples cars 3rd party which i need as i use my mums car here and there.
But with Sky i can pay a £200 deposit and pay around £65 a month without worry of paying silly amount of interest and im with them already so less hassel of sorting out all the paper work with a new insurance company, HOWEVER im going to have to go through all the hassel of insurance again next year as they will try and charge me more.
My feeling is going with HIC and pay my insurance outright.
What do you guys/girls think?
Thanks
Paul