Car Insurance

[RandyC]

pass plus (by law) has to be 6 FULL lessons, most lessons are around ?20 a lesson so i mare that to be ?120. And you will only really benifit from it for the first 2 years, but its still worth it. i wish i had done it, but theres nothing worse that passing your test then having to sit with an instructor for another 6 hours!

585288672[/snapback]

I managed to get it 'as a whole course' for ?80 when I did mine back in 2001. Shop around as the instuctor I passed my test with was going to charge around ?120 ... as long as you show to your driving instructor that you have learn't the main areas of the course (night driving & motorway driving) you should be fine.

[Autoexec]

Im 20 Written off 2 cars have No NoClaims and drive this:

I think i payed ?2400 back in sept

[RandyC]

Im 20 Written off 2 cars have No NoClaims and drive this:

http://www.jtechnical.net/Images/car/C200_K/c200k.jpg

I think i payed ?2400 back in sept

585288702[/snapback]

Nice motor ... but over 2k on the insurance. You must be minted ... or stupid (no offence);))

[JMann Veteran]

OK, thanks for all your replys. Autoexec, thats the same car my dad drives, excellent car. (Y)

Edit: CIS still doesnt work, I will try that site in college 2mz.

[Autoexec]

Nice motor ... but over 2k on the insurance. You must be minted ... or stupid (no offence) ;)

585288730[/snapback]

As stupid as they come :D but its nice to have a decent car.

I wouldn't mind but it was only a 10 month policy as well :laugh:

And yeh JMann i like it but im considering the ML now i fancey a 4x4. I dont do much driving u see, and im not a real speed freak.

[Jerichohol]

Try Norwich Union and esure, both should be quite competitive. Also try and do pass plus, that helps a lot.

I remember when I was 17 (23 now) had a BMW 316i as a first car and insurance was just crazy, had to get insured on my moms as a named driver and even then it was ?1000.

Thankfully since then it has gone down, hopefully by age 25 it should really drop.

Good luck with the search

[Zip]

give CIS a phone call, they're excellent. my little brother has his 51 reg 1.2 punto insured for ?800 fully comp

[fuel925]

You could go as second driver on one of your parents insurance, this is cheaper, but as someone mentioned before you dont build up any history of your own. Might be a good idea til you are earning more or something?

Another idea is to invest in a "Thatcham" approved security wheel device such as the DiskLok. A lot of insurance companies will often give insurance discounts between 10 - 15% for having one of these on your car. Locks like the disklok are expensive, but would be worth your while in the long run.

[JMann Veteran]

OK, thanks. I seem to keep hearing CIS so I am going to ring them fairly soon to get some advice and a quote for a car. I tried Norwich Union, but they would not insure me because I was under 21. They dont ensure people under 21.

JMann

[JMann Veteran]

I am stuck forever! Check the attached picture out for my insurance on that car, oh my god. I am doomed. :o

[JMann Veteran]

OK, I tried Tesco's out of intrest and got a quote of ?1461.60. Which is pretty good, but no cover if you crash into another Tesco user I believe.

[~clean]

Best just to drive a totally unmodified banger until you hit about 22-23 - and get some no claims bonus points under your belt.

I'm currently insured on my reasonably well modified Corrado G60 - various stuff including koni suspension, alloys, a bit of engine tweakage (power increase of 50BHP) exhaust, stereo, etc etc.. last year (at 23 with 3 years no claims) I was paying ?1,400 fully comp - this year that has dropped by a significant amount - same policy is now being offered to me at ?770 - now 24 with 4 years no claims.

I've spent a long time paying through the damn nose with expensive cars to get where I am now. I can only reccomend sticking with a cheap reliable unmodified motor as I don't know if it was worth it to be quite honest.

585288102[/snapback]

Yeah thats the way it goes, Ive been doing that and my fiesta insurance has dropped from ?1200 to ?750 with direct line. Thats on a Vreg fiesta 1.25 LX .

Anyway it gives you plenty of time to save some cash and spend it on something worthwile to mod and mods !

[ollie_webbuk]

1.4 16v Clio Alize, on my Mum's insurance, ?350 fully comp.

Trust me, get yer parents to put it on their insurance and you as a named driver.

OH, and don't mod it, not only will it look like a piece of crap and you'll get laughed at, but your insurance will go up, really bad.

[Shibby]

best stick to your parents insureance for a year or two. then it be more afforable to insure the car.

i hate insureance, people can pay like over a grand for insureance when older people could get it for ?150-300

my smart car is like group 1-2 insureance and it only costed my mum something like ?150 to insure with smart them selves yet if i want to insure it it be over a grand.

[turbomonkeycock]

OK, thanks. I seem to keep hearing CIS so I am going to ring them fairly soon to get some advice and a quote for a car. I tried Norwich Union, but they would not insure me because I was under 21. They dont ensure people under 21.

JMann

585292284[/snapback]

You lie :)

I am 18 and with Norwich Union Direct covering me on my Pug 106, and they quoted me happy back when I was 17. I did pass plus for ?100, got my 48% off, saving me ?900. Good dea:D:D I decided to bite the bullet and get my own policy to try and get some NCD under my belt, my next door neighbour has a 106 GTi running about 35-40 bhp over standard and i'm planning on buying it in 2 year:D:D

Norwich Union Direct, and a few other places, do 10 months cover, but give you one full years NCD, therefore speeding up the process, maybe you could look into that

[LiGhTfast]

20 and payin ?1300 on my 1.4 16v Corsa SRi with my mum on as second driver and 1 claim, not good but not bad imho

[WigglesTheFish]

i didn't get my license until i was 19, even with a crappy car my insurance was $1200 per 6-month period from progressive... now that i am 21 over the last few renewals my price has dropped down to $400 per 6-month period... it just takes time to built up "credit" with the company before they start cutting you breaks...

[Sleeper Veteran]

seriously try CIS again, but this time try it with your parents as the policy holder and you as a named driver (providing your mam and dad don't mind this)

Alot of insurance companys frown on this but it was suggested to me via the CIS sales rep when he came to my house to quote me. It was about ?3000 for my own policy, but out ?800 under my dads name.

Note: You mam/dad's existing no claims discount won't count, as that is already inuse on there other policy.

[JMann Veteran]

gdub2611, whoa. That is weird. I am not lying at all, I am going to try ringing them tommorow when they are open and discuss this with them, that is weird. Thanks. Ok, Sleeper I am going to try and get another Quote from them now with these modifications ok. I will tell you all how I get on.

Thanks again,

JMann

Edit: Just spoken with my Parents, and neither of them say try it, because they cannot change insurance companies, due to there NCB, which they already have and they would lose that if we switched to CIS.

[red.]

i used churchill which were cheaper than all of the other companies i tried for my fiesta.

[+Nik Louch Subscriber²]

I am currently using "More Than". Not only do I find them cheap, but when I have had a claim, they settle VERY quickly.

[turbomonkeycock]

gdub2611, whoa. That is weird. I am not lying at all, I am going to try ringing them tommorow when they are open and discuss this with them, that is weird. Thanks. Ok, Sleeper I am going to try and get another Quote from them now with these modifications ok. I will tell you all how I get on.

Thanks again,

JMann

Edit: Just spoken with my Parents, and neither of them say try it, because they cannot change insurance companies, due to there NCB, which they already have and they would lose that if we switched to CIS.

585309390[/snapback]

Heh, sorry for sounding so blunt JMann. :) Just had a word with a few friends, and another friend has had a policy with them since he just passed his test at the age of 17, although he was almost 18, but another friend got insured on his 1.4 Pug 205 not but a month ago, aged 17 at the time, although also nearly 18. It is very weird that they won't even quote you. The car doesn't have a 2.0 under the bonnet or anything does it? :p

[wildk]

but no cover if you crash into another Tesco user I believe.

Sorry mate, but that is utter rubbish, tesco cannot refuse to cover your policy if you have an accident and the other party happens to be a tesco customer. I have read the tesco policy documents and it does not state anywhere that if the other party is a tesco user you will be un-insured. You have a minimum requirment by law of third party insurance, if you have a prang that is your fault and the person you run into is insured by tesco, they cannot refuse to honor the claim of the other person, just because you both have the same insurer.

Tesco Car Insurance Policy Documents

Tesco Motor Insurance Summary.

Anyway i found Eagle Star (Now Zurich)to be quite good when i started driving, I am only paying ?200 on a 1.6 focus and i do around 30K a year, with Business cover included

[stew]

Im currently on my dad's insurance - full no claims (8 years it maxes out at) - and without me on the insurance the yearly cost is ?245 and with me on it as a second driver it bumps up to just over ?1,800 jsut cause I'm 18.

Thats with elephant.co.uk on a '98 Mondeo 1.8 Zetec with alloys wheel added onto the policy cover.

I'd suggest waiting till your 18 and buying a new Citreon C2 with a year free insurance - it'll be expensive for the car but thats single years no claim will drop the cost of the 2nd considerably if you stick with the same insurance company. My mate did it on the Saxo and he spent I think ?6k on the car new and after his first year his insurance went down to ?750 (aged 19 at the time) working it out he has saved about 15% buying a new car with a years free insurance than he would've done buying a banger and spending a ton on insurance.

Have you passed your test yet? If your trying to get insurance on a modified car (even alloys) with a provisional your premium will be through the roof, I'd suggest saving the money doing pass plus and trying again when your 18.

[Brandon]

When i get my own car (im 15, so if i got it at 17) state farm insurence quoted my dad about $70 a month for liability on a car that was older then 5 years, and worth less then 7,000