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Posted 04 October 2012 - 23:32
Posted 04 October 2012 - 23:55
Posted 05 October 2012 - 00:02
Posted 05 October 2012 - 00:31
Posted 05 October 2012 - 08:39
Ok so I got my Provisional in the post and my older brother is going to teach me to drive (10 years driving, no tickets, points or anything and he has done some advanced drivers course) and I am going to be using his car BUT he wants me to get my own insurance for the car and even for just 3rd party I am looking at paying nearly £5,000 on his 2010 Ford Fiesta and I was wondering, is there ANYWHERE I can get it for a lot less than that in the United Kingdom otherwise I won't be able to afford to learn to drive.
Posted 05 October 2012 - 09:11
Posted 05 October 2012 - 09:22
AFAIK this is actually illegal if you're the main driver. If you get insurance in your name, and add your dad as an additional driver that might reduce the cost, but your dad insuring it with you as an 'occasional driver' even though you will drive it more is wrong.
I just had a thought, if I was to get my dad to add my car when I get it and my name to his insurance policy (25 years no claims) and I just pay the extra It might work out cheaper but I have no idea how to work that one out XP.
Posted 05 October 2012 - 09:29
Posted 05 October 2012 - 10:03
Posted 05 October 2012 - 10:09
Posted 05 October 2012 - 12:22
A lot of insurance companies offer something called Black Box insurance where they place a monitoring device in your car and monitor how you drive. This is a great way to lower your insurance for first time drivers. They also review it occasionally and depending on how you drive it may be reduced further.
Have you looked into this?
I'm 21. I'm looking at prices for when I am fully qualified (I will also be doing the advanced courses) and their still in the thousands of pounds for 3rd party which is stupid.
I'm assuming your a male under 20, if so your screwed for insurance at your age because your a guy. You won't get cheap insurance and forget fully comp. In hundreds somewhere around £1000 would be considered the lowest most would go I would say. Quotes of between 1 and 2 grand will be the norm. Higher than that and they are basically just giving your the finger and don't want to insure you but are willing to play the game to see if you take the bait. Some won't even do that and will refuse to quote you.
You have to shop around but as I say cheap insurance isn't going to happen. If you can afford it try and have legal expenses included in the policy before a courtesy car. You can always figure something out at the time should you need a car but legal expenses are just that...expensive.
You can increase your voluntry excess at your own risk which could bring the premium down a bit but this is at your own risk as I say.
Posted 05 October 2012 - 12:30
Posted 05 October 2012 - 12:47
True, although I have been looking into an IT Tech job and I kinda need a car for that as that is what I am qualified to do.
You will sometimes find that 3rd party is more expensive than Fully Comp
I was 21 when i was learning only added about £100 onto my dads policy to allow me to drive it
once i passed my test for me on my own it was £900 fully comp on a 1996 1.4 VW Golf
also remember driving a car is a privilege not a necessity if you cant afford it then tough really
Posted 05 October 2012 - 12:53