mature new driver insurance

[MitchT]

bobbo89 said:

Think outside of the box with the car, forget your typical Corsa's and 107's and go for something a bit left field like a miserable povo spec Saab, Volvo or even a Lexus! Cars that have sold in low numbers are the best as stats are low for them.

^ this ^

[DS197]

mahoone said:

Adding my step-father as a named driver made a huge difference in my case.

I'm 24, living in Cardiff, S. Wales so the postcode is the highest risk one (F).
Full UK since 2010
Only 1 year NCB
1 claim made and 1 SP30
2013 Fiesta ST

Cheapest quote - £1800

Added my step-dad, £1200.

Your quote is cheap because the Fiesta is relatively new. I got a quote for a 15 plate one and it was half of what i'm paying now for the Clio!

[samnett1985]

hey thanks for all your help guys...

I rang admiral, at first they couldnt find me it was like I didnt exist then they asked for licence number and they found me, suddenly my quote dropped like a brick.

07 corsa VXR - 500 excess windscreen, break down all that £1114 quid but they wanted it up front witch isnt a problem

So now it seems that its because the comparison sites couldnt find me so i wasnt getting the best quotes...

[abbotsmike]

samnett1985 said:

hey thanks for all your help guys...

I rang admiral, at first they couldnt find me it was like I didnt exist then they asked for licence number and they found me, suddenly my quote dropped like a brick.

07 corsa VXR - 500 excess windscreen, break down all that £1114 quid but they wanted it up front witch isnt a problem

So now it seems that its because the comparison sites couldnt find me so i wasnt getting the best quotes...

Paying instalments is generally way more expensive anyway. If you can't afford the lump get a 0% credit card and pay it off that way!

[Blanchimont]

DS197 said:

mahoone said:

Adding my step-father as a named driver made a huge difference in my case.

I'm 24, living in Cardiff, S. Wales so the postcode is the highest risk one (F).
Full UK since 2010
Only 1 year NCB
1 claim made and 1 SP30
2013 Fiesta ST

Cheapest quote - £1800

Added my step-dad, £1200.

Your quote is cheap because the Fiesta is relatively new. I got a quote for a 15 plate one and it was half of what i'm paying now for the Clio!

Insurance baffles me!

I paid £530 for a Fiat Grande Punto T-Jet, worth £2,500 on a good day to a 2014 RenaultSport Megane RS265 worth about 17k on a BAD day, and paid £35 to swap.

When you bear in mind that I was 21, with 3 years NCB and no points I actually asked him "Are you sure?" and even he was shocked. That wasn't with the likes of Elephant either, that was Aviva.

Confusing.

[Seesure]

bobbo89 said:

Think outside of the box with the car, forget your typical Corsa's and 107's and go for something a bit left field like a miserable povo spec Saab, Volvo or even a Lexus! Cars that have sold in low numbers are the best as stats are low for them.

Add any bugger you can on to your policy who might bring it down a bit. I've saved over £300 in the past by adding my dad and sister as named drivers!

As others have said, classics are a good way to go although only if your good with the spanners.

Be 'creative' with your job title

+1

"20 yo Darling daughter" moved from a 1.2l Corsa to a Mazda 323 1.5l last year - (Both cars were circa 2001 and sheds but did the job), despite moving from a 3 door to a 5 door with a bigger engine the insurance dropped by over £600pa (which was more than the cost of the car to buy) so look for something less "new driver-ish..."

[Dodsy]

Unfortunately you've picked cars that are popular with youngsters and are crashed a lot so they attract very high insurance premiums.

When my son started to learn last year I went through all the comparison sites with different car types and after many hours found that the only car I could cheaply insure for him was a Skoda Fabia 1.2. Its basically a VW polo with a skoda body on. Its actually not a bad car I've driven it a bit and it does the job.

For any other car the quotes were £1500+ for a corsa it was nearer £3000. The skoda cost me £200 for him as a learner , rising to £500 once he passed his test. This was with Adrian Flux, I tried loads of other insurers but they were the cheapest.

[Vaud]

It's been said before.

Car value has little to do with insurance cost. It's more about the value, risk and probability of the damage that you might cause with the vehicle.