Hi everyone!

So I've heard of some ways to decrease car insurance costs, like installing car tracking system or having a DVR. I do not mean the car age or cost - imagine we have two same Fords, how can you equip it to decrease insurance?

its all down too the cost of you car if its under 50 grand its not going to help you

Hi everyone!

So I've heard of some ways to decrease car insurance costs, like installing car tracking system or having a DVR. I do not mean the car age or cost - imagine we have two same Fords, how can you equip it to decrease insurance?

Guide Fitting discreet Dual Camera DVR system:

http://www.fordownersclub.com/forums/topic/65147-guide-fitting-dual-camera-dvr-system-focus-mk2-mk25/?p=438442

Look what I've found on the web about this topic:

Trackers - almost always reduce the cost of insurance as its more likely to be found if stolen

Dash cams - Some companies will give discounts for these, some dont.

Wives/GF's - does reduce the premium but no idea why. Basically put as many people on the policy with a clean accident/incident history preferably female. Probably something to do with women being "safer" drivers, although Im not so sure. I think the statistics show they are safer, simply because they drive less than men so have less "chance" of having an accident.

Comprehensive insurance - comes out cheaper nowadays compared to third party fire and theft or third party only.

Night parking - a car parked on a road is cheaper to insure than one parked in a garage or driveway. The reasoning behind this is controversial and exhausting but its to do with stealing cars with keys.

Excesses - Higher excesses give you a cheaper price BUT £500 excess doesn't necessarily mean its MUCH cheaper than £100 excess. There may only be £20 discount so its worth playing around

the driver - insurance is directly related to claims. Best not to claim unless you are in the worst of circumstances.

Area - a car in Hackney is going to be more expensive than a car in Yorkshire dales. The idea is to play around with policy addresses if you have parents/relatives. My brother in law has his policy at my house but his car is "kept" at his house in Manchester. Reduced premiums by circa £1k.

That's all pretty much common sense stuff except the final one where you should declare where you live and where the car is normally kept overnight if not and it's stolen from the other higher risk address insurance may be invalid.

Uses comparison sites to play around with things like excesses and job titles but don't ever lie or you could end up uninsured

Sent from my iPhone using Ford OC mobile app

Hi,

Just to let you know that we have a number of insurance schemes that offer discounts for a wide range of in-car cameras.

Regards,

Dan.