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#1 +Fractalizer

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Posted 04 October 2012 - 23:32

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.


#2 Hum

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Posted 04 October 2012 - 23:36

Try here:

http://uk.carinsurance.com/

http://united-kingdo...nsurancered.us/

#3 OP +Fractalizer

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Posted 04 October 2012 - 23:55

Try here:

http://uk.carinsurance.com/

http://united-kingdo...nsurancered.us/


I used the first link and got a quote and the cheaper one (3rd party) was £999.30 from Collingwood (£82.32 x 11, £132.32 Deposit)
and the second most expensive was from Sabre for £7178.09 which is also 3rd part (£674.74 x 10, £1,435.62 Deposit) and I am not sure if this is a Scam or not... because there is like £6,000 difference and the cheaper one gets me a Courtesy car, Windscreen Cover and for an extra £10 Personal Accident cover) and the more expensive one doesn't give me anything but basic insurance so I am at a little loss for words I am that confused.

#4 Hum

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Posted 05 October 2012 - 00:02

^ I would call up the particular Insurance companies that you are considering, and ask questions.

Ask what all coverage you get.

Your age, type of vehicle, driving record, all make a difference.

Good luck.

#5 OP +Fractalizer

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Posted 05 October 2012 - 00:31

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.

#6 +zhiVago

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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.


I don't think it's possible to have two policies on the same car. It's not practical either.

So, go to an insurance broker with your brother. Explain that it's his car and that he will be driving it most of the time and you're just going to be an occasional driver and you want a discounted rate because of that as you won't be driving it full time. Your name needs to be added to his policy. And you'll just pay your brother the difference between his current costs and the cost of your new policy.

It will be an order of magnitude cheaper than having your separate policy as a single primary driver.

#7 Haggis

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Posted 05 October 2012 - 09:11

yeah do that just give them a call

as above you cant insure a car with two policies

#8 bmdixon

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Posted 05 October 2012 - 09:22

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.

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.
Having my wife on my insurance reduces it quite a lot even though she hardly ever drives my car. Play around a bit with adding additional drivers and see what difference that makes.

#9 BGM

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Posted 05 October 2012 - 09:29

i don't think you can have two policies on the same car... they might actually not let you.

#10 Dorza

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Posted 05 October 2012 - 10:03

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.

#11 dipsylalapo

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Posted 05 October 2012 - 10:09

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?

#12 OP +Fractalizer

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Posted 05 October 2012 - 12:22

I did find what is called Learner Driver insurance which is cheap and they all say it is fine for my brother to have his own fully comp insurance for the car and if I crash while learning it wont effect his insurance but I can't do that if I am fully qualified. so yeah.

and that thing where I said add my car and my name to my dads insurance is obliviously out the window so yeah.

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 didn't even know this existed I'll have to look at this.

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.

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.

#13 Haggis

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Posted 05 October 2012 - 12:30

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

#14 OP +Fractalizer

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Posted 05 October 2012 - 12:47

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

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.

My dads insurance allows him to drive any car he likes as long as he has permission so I could talk to him about adding me to it and it should (I think?) allow the same for me as well so I could just pay him the extra that he would have to pay.

#15 Geoffrey B.

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Posted 05 October 2012 - 12:53

Not sure how insurance works over there, I play $161 a month for Full Coverage on 2 vehicles (with free rental vehicle if mine is in the shop) as well as $20K in Renters insurance.