Young driver insurance?
Discussion
Alright guys, my names Jacob and Im 16 in January so I'm already starting to think about my first car. But the insurance is mad, £3000 to insure a Saxo? I just want a car badly Im happy to have a classic (Infact I would love an old escort mk3) I would even have an Aixam or Microcar, just anything really. I dont want to pay much over £1000, and if I get a classic I would like to get one when Im 16 so I got a bit of time to do it up. Anyways my question is can anybody get insured for a decent price? And do you think It will go down intime for when Im 17? Also how would you recommend I do quotes now?, because I don't want it to screw things up for when Im 17...
so you're currently 15 correct? to be honest I should imagine all young drivers' insurance is high! manys a time a thread has been started the same way with youngsters having the same problem. I would also imagine a saxo is a bit of a hot spot for insurers' as they're the typical by racer car.
Also things like your current job, where you live park/will affect it. it may be slightly different when you turn 17.
My best advice would be to get something in the insurance category 1 - most people (myself including) have found Fiat Seicentos to be cheap on insurance, and look for quotes from places such as Elephant/Admiral etc.
For the time being why dont you put some money aside for the Insurance, Car, lessons - by the time you're 17 you'd have a nice little nestegg.
Also things like your current job, where you live park/will affect it. it may be slightly different when you turn 17.
My best advice would be to get something in the insurance category 1 - most people (myself including) have found Fiat Seicentos to be cheap on insurance, and look for quotes from places such as Elephant/Admiral etc.
For the time being why dont you put some money aside for the Insurance, Car, lessons - by the time you're 17 you'd have a nice little nestegg.
While I own a classic myself and recommend them to young drivers (myself included!) There are two, equal halves to classic car ownership, Driving and maintenance / repairs, you must be happy to do both, in equal measures, and have the time and patience to do it. Otherwise you will constantly be frustrated by the car. You must also have a few essentials such as a garage, some spare funds to do it up (always necessary) and a inkling on how to use spanners. They are not just a cheap way to get around insurance, and are nothing like any modern car. They require a completely different mindset.
Other than that, fantastic fun, and if you enjoy it both on the road and in the garage, you will pick up many mechanical skills and gain a lot of knowledge on how cars work in general. Nothing has the involvement or pure fun that an old classic will have
Other than that, fantastic fun, and if you enjoy it both on the road and in the garage, you will pick up many mechanical skills and gain a lot of knowledge on how cars work in general. Nothing has the involvement or pure fun that an old classic will have
SuperBen said:
Raize said:
Look at stuff pre-1980. But tbh just get a motorcycle, it will be equally comfortable and safe.
How is a bike as safe as a car?Example of the kind of s
tty car he has to buy if he wants cheap insurance. I can't imagine your survival chances in that being much higher than on a bike.And bike insurance is incredibly cheap compared to cars.
I know some insurers won't do a classic policy if the driver is under 25. I wouldn't want to recommend getting a classic car if the same approach is taken up by other insurers in the 2 years before you're qualified.
Obscure / rare cars are generally cheaper because insurers go by statistics, so get something unusual perhaps, but still with a low insurance group.
No one will lie and say there is a cheap option though.
Obscure / rare cars are generally cheaper because insurers go by statistics, so get something unusual perhaps, but still with a low insurance group.
No one will lie and say there is a cheap option though.
I been looking at a mgb gt, I love the look of those but can see them being a pain with maintenance. As I said before I would happily have an Aixam, at least that way I wont kill my self, with my overactive right foot. Whats the typical quote on them, and what sort of insurance would it be? Bike? car? Btw Im also a DJ and have a small entertainment business so obviously a van would be ideal or estate car, but I could make do with a small car for a few year just to get my no clam up.
Don't mention the dj or entertainment bit. It will add £100's to the premium.
I would recommend getting insurance of your own whilst a learner on a provisional licence as this is relatively cheap and once you pass your test you'll have a years ncb. Also if your mum/grandma are in their 40's or 50's and have a clean license add them as named drivers as this reduces the premium considerably.
I would recommend getting insurance of your own whilst a learner on a provisional licence as this is relatively cheap and once you pass your test you'll have a years ncb. Also if your mum/grandma are in their 40's or 50's and have a clean license add them as named drivers as this reduces the premium considerably.
Edited by 897sma on Monday 12th November 20:58
How much you got to spend on the car, and how savvy with the spanners are you?
You will struggle to get classic insurance but have a look at pre 73 beetles, no road tax so save a few quid there, cool as fk, easy and cheap to run (so long as the thing is solid). Not fast, but it will teach you how to drive, you cant have much more fun on 40BHP (ish) and they are surprisingly sprightly.
You will have no issue with getting parts, they drive pretty well (i know i have had a few). If you can score a 1200 you will have group 1 insurance and not a great deal to go wrong. Rot is the enemy though, if you join a few owners clubs there will be plenty of people willing to look over any prospective cars for you if you are not confident doing it yourself.
You should be able to bad a pretty decent one for anything from £2k and up. The market is pretty depressed at the moment if you can afford to buy one now and store it an possibly work on it, might be an idea to invest now. You will be able to learn in it too which will be a bonus.
Just to give you an idea i pay £80 a year insurance on the one i have now (im 32) when i was 18 i paid £700, which was the same as what i was paying on a Fiat cinqucento sporting
You will struggle to get classic insurance but have a look at pre 73 beetles, no road tax so save a few quid there, cool as f
k, easy and cheap to run (so long as the thing is solid). Not fast, but it will teach you how to drive, you cant have much more fun on 40BHP (ish) and they are surprisingly sprightly.You will have no issue with getting parts, they drive pretty well (i know i have had a few). If you can score a 1200 you will have group 1 insurance and not a great deal to go wrong. Rot is the enemy though, if you join a few owners clubs there will be plenty of people willing to look over any prospective cars for you if you are not confident doing it yourself.
You should be able to bad a pretty decent one for anything from £2k and up. The market is pretty depressed at the moment if you can afford to buy one now and store it an possibly work on it, might be an idea to invest now. You will be able to learn in it too which will be a bonus.
Just to give you an idea i pay £80 a year insurance on the one i have now (im 32) when i was 18 i paid £700, which was the same as what i was paying on a Fiat cinqucento sporting
Edited by big_boz on Monday 12th November 21:02
Have you looked at quantum kit cars not a typical 7 kit a full coupe body in fiberglass with a running gear of a xr2 can be had for around 1k and insurance is around 1.2-1.5k depending on milleage etc.
I had one when i was 18 was just over 700 quid tpft so may be best to wait till your 18, i still have the quantum and will go undergoing a restoration next year to be put up for sale if your intrested.
Mines an early mk1 1 of only 17 cars and only 3 on the road so will be a rare occasion to see another one. I also had an mgb gt before me passing but insurance was not an option so sold it im only 20 now so the prices haven't changed much check out this
http://www.quantumowners.co.uk/
I had one when i was 18 was just over 700 quid tpft so may be best to wait till your 18, i still have the quantum and will go undergoing a restoration next year to be put up for sale if your intrested.
Mines an early mk1 1 of only 17 cars and only 3 on the road so will be a rare occasion to see another one. I also had an mgb gt before me passing but insurance was not an option so sold it im only 20 now so the prices haven't changed much check out this
http://www.quantumowners.co.uk/
Yeah I have looked at the quantum they look alright, if I could get a decent one for not much over £1200 then that would be great. I have also looked at the benham kit car. Im not great with spanners, really. My dad is ok, but certainly not a mechanic, got a few family memebers which know what they are doing with cars and a few contacts which are alright aswell. I was planning on only spending around £1500 on car then about £1300 on insurance. Would like a kit car but can you get insured on one at 17?
Yes you can get insurance on them link to the insurance section
http://www.quantumowners.co.uk/index.php/about-the...
As i said im planing on restoring mine doesn't really need it but the paint is a little tierd but am willing to sell as im currently building a kit so could do with the space. If your intrested give me a pm.
http://www.quantumowners.co.uk/index.php/about-the...
As i said im planing on restoring mine doesn't really need it but the paint is a little tierd but am willing to sell as im currently building a kit so could do with the space. If your intrested give me a pm.
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