Young Drivers

[93Jay]

For all the under 20 driver on PH,

How much do you pay for insurance?
What class area are you in? (guide available http://www.carinsuranceexplained.com/car-insurance... )
What do you drive ?
Who Are you insured with?
Also how old are you?

Reason I ask is I am yet to see a quote for anything reasonable under 4k, Iv tried the various methods but that seems to be the bare minimum, I'm curious as to how you guys get on.

Thanks

Edited by 93Jay on Tuesday 3rd January 18:51

[Special K]

4k When I was 18 (1996) I insured a 205 GTI for a not unreasonable £650. Insurance for you youngsters seems a little excessive these days

[RJP001]

I'm 22, and at Uni, but because I'm not one of the fortunate people to have rich and excessively giving parents, I am basically without a car for the time being. Even though I did work before coming to Uni to save up some money.

When I was driving it was on an old series Land Rover, and the insurance premium was somewhere around the mid-hundreds if that is any help? That was with a classic insurer at the time too, who I now believe no longer touches anyone under 25.

But if I was to get insured on a typica little hatchback, like Corsa, Clio, Punto, whatever (as long as it's approx 10+ years old), then I'd be facing just short of a grand. Anything reasonably fun or quick, then it's easily into four figures.

[93Jay]

Special K said:

4k When I was 18 (1996) I insured a 205 GTI for a not unreasonable £650. Insurance for you youngsters seems a little excessive these days

A little If only.

This is the average quote

[Gooly]

1) Can't get quotes most of the time, cheapest one I got was £6,000 from Admiral... on a 1l Panda...
2) No idea, but it's North London which probably explains alot :/
3) Tried all sorts, no luck on anything
4) Tried calling a few companies, filled out online forms for alot of companies and tried search engines, no luck

:[

[93Jay]

Gooly said:

1) Can't get quotes most of the time, cheapest one I got was £6,000 from Admiral... on a 1l Panda...
2) No idea, but it's North London which probably explains alot :/
3) Tried all sorts, no luck on anything
4) Tried calling a few companies, filled out online forms for alot of companies and tried search engines, no luck

:[

I feel your pain, Iv been refused so many quotes on the cheapest of cars. including a diesel Mondeo

[R300will]

93Jay said:

For all the under 20 driver on PH,

How much do you pay for insurance?
What class area are you in?
What do you drive ?
Who Are you insured with?

Reason I ask is I am yet to see a quote for anything reasonable under 4k, Iv tried the various methods but that seems to be the bare minimum, I'm curious as to how you guys get on.

Thanks

21 yrs old. £700. Drive a Celica T-sport, insured with admiral, and not sure what you mean by class but there aren't any hoodies around my way if that helps?

[skene]

I seem to be relatively cheap at £2300 in my name with parents named, fully comp with 10,000 miles, although my excess is an eye watering £1100
I live in rural Scotland so that may help,
I have a 2001 Mk5 Fiesta Zetec S, got it at 17 on the day I passed my test.
I'm with Swinton but originally got it from go compare.


One thing I would advise is that if you are saying its in a locked garage don't that raises the quote by £600 IME

[SD1992]

93Jay said:

For all the under 20 driver on PH,

How much do you pay for insurance?
What class area are you in?
What do you drive ?
Who Are you insured with?

Reason I ask is I am yet to see a quote for anything reasonable under 4k, Iv tried the various methods but that seems to be the bare minimum, I'm curious as to how you guys get on.

Thanks

I pay £800 a year
Not sure what class of area, got a link?
Drive a 1998 Mondeo ST24
Insured with Admiral

Add parents on as named drivers, increase excess (massive compulsory one for young drivers anyway), say car is on drive rather than in garage etc etc.

Let me know if I can help!

[93Jay]

R300will said:

93Jay said:

For all the under 20 driver on PH,

How much do you pay for insurance?
What class area are you in?
What do you drive ?
Who Are you insured with?

Reason I ask is I am yet to see a quote for anything reasonable under 4k, Iv tried the various methods but that seems to be the bare minimum, I'm curious as to how you guys get on.

Thanks

21 yrs old. £700. Drive a Celica T-sport, insured with admiral, and not sure what you mean by class but there aren't any hoodies around my way if that helps?

That's very good, check your postcode on here, http://www.carinsuranceexplained.com/car-insurance...

It's a postcode guide for car insurance.

[R300will]

SD1992 said:

I pay £800 a year
Not sure what class of area, got a link?
Drive a 1998 Mondeo ST24
Insured with Admiral

Add parents on as named drivers, increase excess (massive compulsory one for young drivers anyway), say car is on drive rather than in garage etc etc.

Let me know if I can help!

How come on a drive is cheaper than in garage?

[scott15]

I am paying £4000 for my peugeot 106 1.1.
I dont actually live in a very high risk area, and the car is parked on my driveway which is down a private drive.
My policy is with Admiral multicar, and both my parents are named drivers on my car, and im the main driver.

Im 17 years old.

[SD1992]

R300will said:

How come on a drive is cheaper than in garage?

No idea! Don't think anyone understands car insurance - must have something to do with risk.

I am in a band A postcode by the way

[R300will]

scott15 said:

I am paying £4000 for my peugeot 106 1.1.
I dont actually live in a very high risk area, and the car is parked on my driveway which is down a private drive.
My policy is with Admiral multicar, and both my parents are named drivers on my car, and im the main driver.

Im 17 years old.

OUCH!!!! if you're 17 try Quinn direct. They were great with me on my first car when i passed.

[Scott888]

I assume it's to do with people being unable to park in tight spaces, and the resulting bumps/tins of paint tipping over . Also, parking on the road is cheaper again than on the drive (IME).

To the OP, I'm 19, live in a low risk area, and pay around £900 with Elephant. Drive a Hyundai i30 1.4 petrol - seems to be the cheapest car I can find to insure funnily enough.

Also, cheap to buy doesn't mean cheap to insure, I think I read (probably on here) that under £1500 the costs of insurance go up.

[scott15]

R300will said:

OUCH!!!! if you're 17 try Quinn direct. They were great with me on my first car when i passed.

I know, its a LOT of money, and i dont even drive like a typical teenager.

Ive tried most insurance companies, the lowest i can get is £3500, but with the multicar insurance, my parents have saved £400 on their insurance, and £1000 on my brothers, so theyre still making a saving on mine by going with the more expensive company :S

[93Jay]

Scott888 said:

I assume it's to do with people being unable to park in tight spaces, and the resulting bumps/tins of paint tipping over . Also, parking on the road is cheaper again than on the drive (IME).

To the OP, I'm 19, live in a low risk area, and pay around £900 with Elephant. Drive a Hyundai i30 1.4 petrol - seems to be the cheapest car I can find to insure funnily enough.

Also, cheap to buy doesn't mean cheap to insure, I think I read (probably on here) that under £1500 the costs of insurance go up.

I can't afford a Hyundai I30 or a Kia Picanto

[RJP001]

SD1992 said:

I pay £800 a year
Not sure what class of area, got a link?
Drive a 1998 Mondeo ST24
Insured with Admiral

Add parents on as named drivers, increase excess (massive compulsory one for young drivers anyway), say car is on drive rather than in garage etc etc.

Let me know if I can help!

You have a few years no claims right? Otherwise you must live in one of the best places on earth to get a premium that low on a car like that.

[Synchromesh]

How much do you pay for insurance? c. £1000
What class area are you in? Bristol, but not where the riots were!
What do you drive ? 2003 Polo 1.4 16v
Who Are you insured with? Admiral
Also how old are you? 18 when I started the insurance year, with one year's NCB

[kiethton]

18 - 54 Peugeot 206 1.1 - £800
18 - 07 Astra sporthatch SRi 1.7 - £1400
19 - Astra (as above) - £850
20 - Astra (as above) - £550 Admiral
21 - 07 BMW 335i m-sport coupe - £820 Admiral
22 (last month) - BMW (as above) - £920 Admiral

This is in south east London/Kent

My brother is 19 and paid £550 a year on his 1.25 fiesta last month again with admiral, he wrote it off a week later and got a 1.6 diesel C4 and added it in the fiestas place for an extra 50 for the year.

Edited by kiethton on Tuesday 3rd January 18:41

Edited by kiethton on Tuesday 3rd January 18:44