wonlasewonimi:


Is there any other way to search for insurance? The trick is to change providers every year cos they will double your premium even if you don't make a claim.

Another thing I have realised is that it’s best to pay the yearly premium in full upfront. Paying monthly is more expensive as the insurance company adds interest on monthly direct debit payments.

Ralphlauren:


Another thing I have realised is that it’s best to pay the yearly premium in full upfront. Paying monthly is more expensive as the insurance company adds interest on monthly direct debit payments.

I have never done monthly payments. I just get it out of the way once. Some insurance companies will do you a deal for upfront payment for 10 months to have a year no claims bonus

Ralphlauren:


Another thing I have realised is that it’s best to pay the yearly premium in full upfront. Paying monthly is more expensive as the insurance company adds interest on monthly direct debit payments.

But the interest element attached is not bank bursting.... Spread the cost of Road fund license + insurance, and benefit from its availability.....

Mamatukwas:


Thanks alot. How will they know how many years driving experience I have though without Proof? I only have my most recent drivers license even though I've been driving since 09.

Your most recent licence will have the date of ist issue at the bottom, that is the date you got your ist ever licence

Ralphlauren:


Moneysupermarket is the truth mehn.

I was previously with Churchill for my car insurance.

A colleague told me about comparing providers so I went to moneysupermarket.

Guess what? I got a quote with Admiral that reduced my yearly premium by half !!!! I was shook. I also discovered I can get cheaper gas and electricity, so I’m considering switching that as well.

Toh! See how you’ve saved a lot. Me I saw a better mobile contract, called my providers and told them I wanted to leave, they now offered me a better deal. I’ll keep admiral in mind for my car insurance. Thanks

Lexusgs430:


The bus is good in the summer, but come the winter season....... It's like waiting in the freezer.......

I’m telling you. And I’m in the north where the cold no get part 2. I’m saving towards getting a car. In 2 months, I should be gallant enough. I have already been eyeing some cars in chapelhouse (they give 0% interest for 5 years, which is think is just super especially as na auto I wan drive, and it seems they are more expensive here!)

wonlasewonimi:


I have the three of them starling, monzo and revolut. They are very good. But my main bank now is starling. Go on your phone now and open atleast starling and try it for few days. You will stop using your traditional bank for daily spends.

But is there anything wrong with using the the normal traditional bank? What advantage do these online banks have over the trad banks?

Just curious sha. Cos Oga said we should open our joint account in NatWest, it’s doing me somehow, like I’m betraying Barclays

Ralphlauren:


I will open one with starling this weekend.

I’m happy to see challenger banks getting very good feedback. I think the main street banks are exploiting too much. Halifax has increased their monthly charges for one of their current accounts to £17. Fee that started from £10 when I first opened. Meanwhile, I have not made a single claim on the so called “added benefits”.

Really? I don’t pay anything on my Barclays o, maybe it’s cos it’s a student account. Like every damn thing in the bank is free for me. Maybe I shouldn’t migrate to the standard Barclay bank account then. Osho free men!

Lexusgs430:


But the interest element attached is not bank bursting.... Spread the cost of Road fund license + insurance, and benefit from its availability.....

The interest on mine was almost £300. I kid you not.

Aphrodite007:


I’m telling you. And I’m in the north where the cold no get part 2. I’m saving towards getting a car. In 2 months, I should be gallant enough. I have already been eyeing some cars in chapelhouse (they give 0% interest for 5 years, which is think is just super especially as na auto I wan drive, and it seems they are more expensive here!)

Is that for new or used cars?

Do you pay a percentage contribution?

5 years is a long time to drive the same car (in my own opinion ohhhhh). So think about it well before you commit. You might even be better off going to the car manufacturer directly via one of their own dealership.

Aphrodite007:


Really? I don’t pay anything on my Barclays o, maybe it’s cos it’s a student account. Like every damn thing in the bank is free for me. Maybe I shouldn’t migrate to the standard Barclay bank account then. Osho free men!

It’s one of those accounts that come with travel insurance , phone insurance, home emergency cover and some other nonsense.

Ralphlauren:


The interest on mine was almost £300. I kid you not.

Wow, this is bad.... Do you fly a jet?

Lexusgs430:


Wow, this is bad.... Do you fly a jet?

Hahahaha. Well, close to ......

Aphrodite007:


But is there anything wrong with using the the normal traditional bank? What advantage do these online banks have over the trad banks?

Just curious sha. Cos Oga said we should open our joint account in NatWest, it’s doing me somehow, like I’m betraying Barclays

There's absolutely nothing wrong with traditional banks. I still maintain my accounts with Halifax, HSBC, natwest and nationwide.

The analytics provided by these banks sold me.. The fact that I get notification for every transaction and the location of where the card is spent and the shop. One of their marketing slogan is that you get notified before the receipt of your purchase is out. I can freeze the card if I misplace it or stolen. These capabilities do not exist with traditional banks. I can spend overseas without charges too.

You should never own just a single account in this country. The bank can tell you they will close your account if they so desire... I know people this happened to, they were in dire straits trying to open a new account to keep getting paid after the account closure.

Aphrodite007:


I’m telling you. And I’m in the north where the cold no get part 2. I’m saving towards getting a car. In 2 months, I should be gallant enough. I have already been eyeing some cars in chapelhouse (they give 0% interest for 5 years, which is think is just super especially as na auto I wan drive, and it seems they are more expensive here!)

With you on that Auto matter... was seeing some sweet 4kish deals only to realize they are all manual. Cheapest sensible auto we've found is around 7k. Arnold Clark. I can't be hustling manual again jor... I've paid my dues.

Meanwhile cheapest insurance quotes we've gotten is about £680 from a coy called insure2drive.. I'm like who are these ones again? Hope they pay claims oh? Does anyone know them? Is £680 sef a good rate for we 1st timers or we should keep looking?

Ralphlauren:


Is that for new or used cars?

Do you pay a percentage contribution?

5 years is a long time to drive the same car (in my own opinion ohhhhh). So think about it well before you commit. You might even be better off going to the car manufacturer directly via one of their own dealership.

Yeah I get you but I never planned on paying for up to 5 years, maybe 3. It’s a mixture of new and used. And yes I really have been thinking about going directly to the dealership. Thanks for the advice, I may reconsider.

wonlasewonimi:

There's absolutely nothing wrong with traditional banks. I still maintain my accounts with Halifax, HSBC, natwest and nationwide.

The analytics provided by these banks sold me.. The fact that I get notification for every transaction and the location of where the card is spent and the shop. One of their marketing slogan is that you get notified before the receipt of your purchase is out. I can freeze the card if I misplace it or stolen. These capabilities do not exist with traditional banks. I can spend overseas without charges too.

You should never own just a single account in this country. The bank can tell you they will close your account if they so desire... I know people this happened to, they were in dire straits trying to open a new account to keep getting paid after the account closure.

Thanks boss, I’ll keep this in mind. Maybe I’ll open the starling as my current account. I have just been weary of these small banks shutting down one day, haha blame my Igbo sense!

Mamatukwas:


With you on that Auto matter... was seeing some sweet 4kish deals only to realize they are all manual. Cheapest sensible auto we've found is around 7k. Arnold Clark. I can't be hustling manual again jor... I've paid my dues.

I’m telling you, I just can’t cope with manual. Like I’m still scared of shifting auto gear with left hand, I will now be shifting gear every minute? issalie o, We go manage the automatic like that, expensive or not

Mamatukwas:
Meanwhile cheapest insurance quotes we've gotten is about £680 from a coy called insure2drive.. I'm like who are these ones again? Hope they pay claims oh? Does anyone know them? Is £680 sef a good rate for we 1st timers or we should keep looking?

Why don’t you use moneysupermarket to compare insurance. Please money is not a joking matter to be wasting anyhow. There’s no room for “had I known”

Aphrodite007:


Why don’t you use moneysupermarket to compare insurance. Please money is not a joking matter to be wasting anyhow. There’s no room for “had I known”

I did, na there we get the £680. But I can try again if I feel I can still get lower

Aphrodite007:


Thanks boss, I’ll keep this in mind. Maybe I’ll open the starling as my current account. I have just been weary of these small banks shutting down one day, haha blame my Igbo sense!

This is not Nigeria aunty Aphrodite007..the banks are regulated by FCA / prudential regulators and depositors funds are protected upto 85k for each account holder should the bank go down same level with traditional banks.

EngrSaks:


Your most recent licence will have the date of ist issue at the bottom, that is the date you got your ist ever licence

Ah Okay! Thanks We learn everyday

Mamatukwas:
Meanwhile cheapest insurance quotes we've gotten is about £680 from a coy called insure2drive.. I'm like who are these ones again? Hope they pay claims oh? Does anyone know them? Is £680 sef a good rate for we 1st timers or we should keep looking?

Why do you like wahala like this... Go compare, moneysupermarket etc will give you options to choose from. BTW are you just doing third party insurance or comprehensive?
If you go and do dagbo insurance, you go dream of popo every night

Mamatukwas:


With you on that Auto matter... was seeing some sweet 4kish deals only to realize they are all manual. Cheapest sensible auto we've found is around 7k. Arnold Clark. I can't be hustling manual again jor... I've paid my dues.

Wait you found a car for 4K? Wow! No wonder Oga shouted when I told him I wanted a 14k car. I was thinking 14k was cheap o , ah they will just sell me in this country

wonlasewonimi:


Why do you like wahala like this... Go compare, moneysupermarket etc will give you options to choose from. BTW are you just doing third party insurance or comprehensive?
If you go and do dagbo insurance, you go dream of popo every night

Hahaha I don't like wahala i promise... just trying to get the best deal. It's on comparethemarket that I got £680 as lowest offer... but coz they ask you to input different parameters I.e approximate amount of miles covered per year, insurance contribution etc... I want to know if the amount is fair or not. It might be that I sabotaged my search by minor things I inputed. And yes it's comprehensive. Shey u understand? Tainku

wonlasewonimi:


This is not Nigeria aunty Aphrodite007..the banks are regulated by FCA / prudential regulators and depositors funds are protected upto 85k for each account holder should the bank go down same level with traditional banks.

Thank you sir.. it will take a while for the bush girl in me to adapt

Aphrodite007:


Wait you found a car for 4K? Wow! No wonder Oga shouted when I told him I wanted a 14k car. I was thinking 14k was cheap o , ah they will just sell me in this country

Nne 14k ke Wawu!!! Your heart is bigger than my own Abi do you want to buy brand new? We are buying a used car. And yes oh, very clean manuals for 4kish in this my zone

Mamatukwas:


Hahaha I don't like wahala i promise... just trying to get the best deal. It's on comparethemarket that I got £680 as lowest offer... but coz they ask you to input different parameters I.e approximate amount of miles covered per year, insurance contribution etc... I want to know if the amount is fair or not. It might be that I sabotaged my search by minor things I inputed. And yes it's comprehensive. Shey u understand? Tainku

Just be sure that all the creative information you provided can be supported with documentation cos they will insure and about a month of flenjor driving they ask you to provide evidence.
Hastings did that to me.... I was happy I didn't put odu there.

wonlasewonimi:


Just be sure that all the creative information you provided can be supported with documentation cos they will insure and about a month of flenjor driving they ask you to provide evidence.
Hastings did that to me.... I was happy I didn't put odu there.

No shaking. Thanks.

Aphrodite007:


Wait you found a car for 4K? Wow! No wonder Oga shouted when I told him I wanted a 14k car. I was thinking 14k was cheap o , ah they will just sell me in this country

Abi it's a big jeep you're eyeing noni??

Aphrodite007:


Wait you found a car for 4K? Wow! No wonder Oga shouted when I told him I wanted a 14k car. I was thinking 14k was cheap o , ah they will just sell me in this country

Abeg, no give Oga heart attack o... £14,000..... Just look for a better Toyota Aygo (automatic), build your insurance history, get lowest insurance premiums, gather no claims bonus, year 2 (start to protect your no claims bonus)....

When you have built up enough road experience + insurance history + road network familiarisation. Buy a decent car or better still, upgrade your aygo.......