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.
dipsylalapo, on 05 October 2012 - 10:09, said:
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.
Dorza, on 05 October 2012 - 10:03, said:
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.