insurance...

[tom felty]

Hi guys
I will be learning to drive soon as i recently turned 17, but before i do i was looking around for cars that can be insured for not too bonkers money, has anyone else on here done the same and what was the outcome? cheapest online quite so far is a 1.1 52 plate clio at just over £3K, has anyone got any ideas of what a good car to insure would be and any insurance company recommendations would be much appreciated.
Cheers
Tom

[Krikkit]

At your age (and presumably address too) you will struggle to find legitimate, reasonably-priced insurance.

It already sounds like you've found a very low group car, it's simply a high premium because you are a young, inexperienced driver.

[TommyBuoy]

Other than going classic, try some unusual choices for young persons cars (I'm 25 and that made me feel old ) I'm guessing alot of people your age have clio's so alot of people will be crashing.

I'm currently with SKY insurance (not the TV guys!) and they were way cheaper for my current car, not sure if they're the same for people your age...

[tom felty]

TommyBuoy said:

Other than going classic, try some unusual choices for young persons cars (I'm 25 and that made me feel old ) I'm guessing alot of people your age have clio's so alot of people will be crashing.

I'm currently with SKY insurance (not the TV guys!) and they were way cheaper for my current car, not sure if they're the same for people your age...

haha cheers i will have a go

[StottyZr]

Add any relatives/relatives friends as additional drivers. As long as they have a long driving history and no points/claims.

Run lots of quotes for lots and lots of different cars, and I would puchase my car based on the insurance quote (as insurance is a huge cost of ownership for teenagers)

You may find something like a Civic 1.6 with 120hp is a lot cheaper to insure than a Clio 1.2... Insurance is parculiar to say the least.

[.blue]

out of interest what's the quote for a nissan almera (2003 or later 1.5 model)? I'd expect it to be less.

[mat777]

Buy an older car thats eligible for classic insurance - mainstream brokers wanted 2k+ for my land rover, or 600 quid for a classic car policy. Plus you can come over all "retro" cool in something 80s like an R5 or Mk2 Golf.

[tom felty]

.blue said:

out of interest what's the quote for a nissan almera (2003 or later 1.5 model)? I'd expect it to be less.

for me just over £9k

[tom felty]

mat777 said:

Buy an older car thats eligible for classic insurance - mainstream brokers wanted 2k+ for my land rover, or 600 quid for a classic car policy. Plus you can come over all "retro" cool in something 80s like an R5 or Mk2 Golf.

any particular company?

[FraserLFA]

tom felty said:

.blue said:

out of interest what's the quote for a nissan almera (2003 or later 1.5 model)? I'd expect it to be less.

for me just over £9k

Do you live in Down town Baghdad!?

[tom felty]

FraserLFA said:

Do you live in Down town Baghdad!?

to be honest the postcode is good

[simoid]

Do you need a car?

Can you gain experience (and named driver no claims) on a more experienced driver's policy, while saving/spending the lower insurance elsewhere?

[McSam]

simoid said:

Do you need a car?

Can you gain experience (and named driver no claims) on a more experienced driver's policy, while saving/spending the lower insurance elsewhere?

This actually isn't a lot cheaper.

I would very strongly recommend you get your own policy when starting out, but the keys to remember are thus - Admiral Group are usually the cheapest (Direct Line especially like some postcodes so can try there too), the optimum number of named drivers to add is two people between 40 and 65, parking on the road is cheaper than either the driveway or a garage, and the length of time you've owned the car is very important. The annual mileage is also a large factor that is just as hard to verify.

[raptor600]

StottyZr said:

Add any relatives/relatives friends as additional drivers. As long as they have a long driving history and no points/claims.

Run lots of quotes for lots and lots of different cars, and I would puchase my car based on the insurance quote (as insurance is a huge cost of ownership for teenagers)

You may find something like a Civic 1.6 with 120hp is a lot cheaper to insure than a Clio 1.2... Insurance is parculiar to say the least.

+100000

Just got a quote for my sister (she is useless at this stuff) and the best price was £848 (22 on a Mini One parked on road in London)...

Added my Mum and my wife to the policy and it dropped it to £648 with Admiral.

Another shock was when I put secure parking as opposed to on road parking overnight the premium went UP £100!

[simoid]

McSam said:

simoid said:

Do you need a car?

Can you gain experience (and named driver no claims) on a more experienced driver's policy, while saving/spending the lower insurance elsewhere?

This actually isn't a lot cheaper.

Was for me - worth a try if you can share a car (and the servicing costs, tax costs, tyre costs, etc)

[tom felty]

simoid said:

Was for me - worth a try if you can share a car (and the servicing costs, tax costs, tyre costs, etc)

but when you come to start a policy in a few years you will have no NCB

[McSam]

simoid said:

McSam said:

simoid said:

Do you need a car?

Can you gain experience (and named driver no claims) on a more experienced driver's policy, while saving/spending the lower insurance elsewhere?

This actually isn't a lot cheaper.

Was for me - worth a try if you can share a car (and the servicing costs, tax costs, tyre costs, etc)

I was thinking purely in insurance cost terms, and it was a kind of woolly calculation taking account of the inconvenience, risk of accidental (or otherwise) fronting policies, chance of another insurer not accepting the NCB earned after all the effort, and so on. I generally find insurers are far more receptive to one-year drivers who've had their own car and policy for that year.

[Bootey]

Depending on how long you think it will take you to learn to drive Sabre insurance are very competitive for young drivers although once you pass your test you will be looking at a big increase.

Alternatively insurers like www.provisionalmarmalade.co.uk/default.asp?introdu... will cover you whilst you learn to drive on your parents cars and give you a bit of time to save up for your own.

I would always recommend insuring the car you eventually buy in your own name and not on a Classic car policy as you will not earn No Claims Bonus.

Remember age is also a rating factor on the insurance and you would be surprised by the difference a 1998 vehicle makes as oppose to a 2003 vehicle.

[okie592]

elephant are by far cheapest for me. 19 2 years driving 1 years no claims with both parents as named drivers

[tom felty]

okie592 said:

elephant are by far cheapest for me. 19 2 years driving 1 years no claims with both parents as named drivers

it wont let me get a quote apparently they are having technical difficulties