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Insurance for new drivers! OMG |
masseur
Joined: Jan 03, 2003
Posts: > 500
From: Sydney, London
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just tried virgin but unfortunately their quote is £2065, Admiral just quoted £2409!
seems the one I found earlier on gocompare for £985 is going to be the best. I spoke to them and they confirmed it was all calculated correctly but couldn't explain why they are half of anyone else. excess is only £250 too
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haynesycop
Joined: Mar 10, 2004
Posts: > 500
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That price is good for a 17 year old, a friend of mine has a brother and her parents got a quote of £6,000 from one company he is also in the same situation. I don't think any one company can be cheaper for a variety of people you just have to keep trying. Tesco are cheap but the excess is very high, i got quoted £516 from them but you didn't get benefits like a courtesy car or windscreen cover.
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masseur
Joined: Jan 03, 2003
Posts: > 500
From: Sydney, London
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I just tried confused.com but they seem to have come up with the same results as gocompare, which makes me feel better about that cheap quote we have.
now, to see if I can get the car still!
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procterdc
Joined: Jun 03, 2005
Posts: 334
From: Lytham St.Annes
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I'll shut up then hehe lol.
It ain't about how hard you hit, its about how hard you can get hit and keep moving forward - Rocky Balboa |
masseur
Joined: Jan 03, 2003
Posts: > 500
From: Sydney, London
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all advice has been gratefully received 
a question I just thought of, do you earn no claims bonus on 3rd party only policies?
I seem to recall that you don't but it seems logical that if you have been driving on either a comprehensive or 3rd party policy and had no accidents/claims you'd think you'd earn NCB either way
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haynesycop
Joined: Mar 10, 2004
Posts: > 500
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I'm pretty sure it depends on the insurance company you use.
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arien617
Joined: Feb 01, 2006
Posts: > 500
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You checked out Toyota Aygos?
One that's a few years old, high mileage would be good I reckon. They're cheap to begin with anyway. Have a 1.0 3cyl engine, would be decent on insurance...
It may be a bit over £1500 to buy one, but most of all it's gonna be far safer than any Peugeot 205/Mini.
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fatreg
Joined: Jul 26, 2003
Posts: > 500
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yes you get NC on 3rd party policies..
Quinn Direct quoted my 17 year old bro with 6 points some silly silly price on his 1.4 Ibiza, Kwik Fit quoted him £1300....
I's give Kiwk Fit a bash Big M!
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ÈL ® ö B ì Ñ
Joined: Feb 03, 2005
Posts: 281
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Insurance is just laughable for kids, last year when I was 19, just for me was £1600 for my 1.6 saxo.
So put mum on it as main driver, and sister on it too and brung it down to about £600 for all 3 of us.
This year the car is now just mine as sister has her pug 206, the quote came in at £300 for all 3 of us (so I added a breakdown car for £17).....if I take my sister off, the insurance actually goes up to about £700 again.
So this year i'm paying £360 odd (i added some things) for 3 people to go on a 1.6 saxo (but im the only user).
Ok I don't get no claims (my mum does as she's the main driver, they gave her 5yr no claims for being with them for 1 yr).......but I can afford £300 a year, but not £1600 a year, untill I get a decent job I will stay on my mums insurance.
You get all these people who moan and straight away say "get your own insurance and build up no claims"...but by the time i've paid 1yr @ £1600, I could have stayed on mums insurance for over 5 years (or more!)
then pay for your own insurance when your in a position to do so.
EDIT:
Forgot to say, I'm with swift cover.
[ This Message was edited by: ÈL ® ö B ì Ñ on 2008-05-28 17:18 ] |
haynesycop
Joined: Mar 10, 2004
Posts: > 500
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17 and he has 6 points, my god! He is taking us to the airport!
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Daedalus85
Joined: Apr 23, 2007
Posts: > 500
From: Suffolk, UK
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On 2008-05-28 18:17:37, ÈL ® ö B ì Ñ wrote:
You get all these people who moan and straight away say "get your own insurance and build up no claims"...but by the time i've paid 1yr @ £1600, I could have stayed on mums insurance for over 5 years (or more!)
then pay for your own insurance when your in a position to do so.
Yeah, but you wouldn't be paying £1600 EVERY year.
Take this as an example:
Four years ago, my brother and I insured ourselves, on our OWN, as learner drivers, on our 1.4i 1997 Astra. It cost us about £1300.
The following year, still as learners, the renewal went down to £770.
The third year, I took my brother off it (he got his own car), I passed and the insurance I got them down to £352.
This year, after me buying a 2.0 Golf GTI, it went up to £412, and that included having 3 points on my license after a small run in with the police (that light was orange goddammit!).
So, taking the plunge may actually make it cheaper in the long run. Me and my brother took that plunge and it paid off, literally.
My opinions on this forum are that of my own and not of the company I work for. |
Miss UK
Joined: Jan 11, 2003
Posts: > 500
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Wouldn't a 1.0 Engine be slightley cheaper for a teenager starting out?
An "Apple" a day keeps the Doctor at Bay! |
fatreg
Joined: Jul 26, 2003
Posts: > 500
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Well done J!!
someone that knows how the bloody game works!
I waited I was 21, bought a new car, came with free insurance for a year, 2nd year, just me, fully comp £750, this year £350 fully comp..
next year... yeah, gonna be horrendous, insurance company paid out £13,285 after a little accident I had! whooooooops!
By all means add your Mum etc as a named driver, but always have you as number 1 so you claim NCD.....
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ÈL ® ö B ì Ñ
Joined: Feb 03, 2005
Posts: 281
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On 2008-05-28 23:10:21, Daedalus85 wrote:
On 2008-05-28 18:17:37, ÈL ® ö B ì Ñ wrote:
You get all these people who moan and straight away say "get your own insurance and build up no claims"...but by the time i've paid 1yr @ £1600, I could have stayed on mums insurance for over 5 years (or more!)
then pay for your own insurance when your in a position to do so.
Yeah, but you wouldn't be paying £1600 EVERY year.
Take this as an example:
Four years ago, my brother and I insured ourselves, on our OWN, as learner drivers, on our 1.4i 1997 Astra. It cost us about £1300.
The following year, still as learners, the renewal went down to £770.
The third year, I took my brother off it (he got his own car), I passed and the insurance I got them down to £352.
This year, after me buying a 2.0 Golf GTI, it went up to £412, and that included having 3 points on my license after a small run in with the police (that light was orange goddammit!).
So, taking the plunge may actually make it cheaper in the long run. Me and my brother took that plunge and it paid off, literally.
Oh ye deff, in the long run it will.
But I don't work and have about £2.80 in my bank lol, gotta sell a PS3 to pay my insurance, I have no chance of getting £1600, infact i'd rather sell my 1.6 and buy a 1.1 if I had £1600 and save money on petrol, tax and insurance, but it's all money money money.
Like I said, go for the NCD, only when your in a position to do so.
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Daedalus85
Joined: Apr 23, 2007
Posts: > 500
From: Suffolk, UK
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Other option you've got, and it helped my brother no end when he bought his Megane (1.5 100BHP Turbo diesel lol), Direct Line, and a few others now, give named drivers their own NCB provided you stay with them. So he had 2 years NCB of his own when he came off mine.
Plus, if the rest of the your family is with them, even better discounts
My opinions on this forum are that of my own and not of the company I work for. | |
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Posted: 2008-05-28 15:54
