Nfu Anybody?

[Guest Colin Hunter]

With the current trend towards international (Read 3rd world!) call centres, the operatives of which seem to do little other than read from a prepared "Crib sheet" It is indeed refreshing to find a REAL bargain. I have 2 cars.

1. A 1998 2.0 HDi LX 110 Xantia (Group 13 God knows why!)
   
2. A 1996 1.4i Elation ZX (Lads car group 6 Again God knows why!)
   

I had the Xantia ensured through Esure and when it came time to teach my son to drive I asked if he could be put on the policy. To include the answer would not add constructively to this post!

 

I therefore bought the old ZX and insured it through NFU who, at £695 On a new policy with laddo as named driver gave the best deal. When he passed his test I asked Esure again about including him. Still no way. I approached NFU and was told that I could put both cars on the same policy. They would earn "No claims" independantly. Since the lad was off to Uni (Didn't need his car) I went ahead with the changeover. I had been paying Esure about £250 per annum (I'm over 50 and haven't had a claim since 1980!) Fully comp for the Xantia, and NFU £39 per month for the ZX with my son as named driver. (a bit of no claims had kicked in by now)

 

I was advised that I would be better off taking him off the policy as named driver and putting him on temporarily as was needed. For short term inclusions it was £1 per day. The best bit was that Esure refunded me Pro-rata as they could not supply what I required, and my premium to NFU REDUCED to £34 per month for BOTH Cars! (Xanti Fully Comp Protected NCB, ZX TPFT) I can include my son on the ZX for about £13 per month when He's home and £28 per month for the Xantia. Truly a flexible sollution and better still, they have local offices so you can talk face to face with a human being and tell them exactly what you need! Give them a call. Saved my Brother in law £15 per month on his 2.5 V6 Ghia X Mondeo!

 

I should add that I considered getting him his own policy. I tried a website which claimed to specialise in younger drivers. The cheapest quote was £1350 (Zenith) and the dearest £3500 (Zurich) and that for TPFT on a ZX worth a lucky £400!

[Guest Colin Hunter]

Just a little bit of info for any young drivers out there looking for their own policy. NFU have an offer on just now where they give you a 30% intruductory bonus if you're 20 and have a full license or if you're under 20 and have a pass plus.

 

Cheers! Happy motoring :unsure: