Insurance for 20 yr old.

[Supertoadylight]

Hi all,

Been thinking about changing my car for a while.

Im 20, looking for a standard elise s1 fully comp 8000 miles a year.

Tried MSM, CCI, Adrian Flux and Comparison Stuff and all prices over 2k.

When I'm 21 it drops to around £1200.

Trying to get insured now as I'd love to buy before the summertime rise!

Anyone know of some good young drivers insurance schemes?

Any help is much appreciated and thanks in advance!!!,

John

[Stu_00]

8000 Miles in an Elise is a lot, if you have a second car for miles and Elise for fun that will bring it down with people like Hagarty (Classic car insurance)

[TIPPER]

Have a look here: http://wiki.seloc.org/a/Insurance

Best of luck but I think you'll find insurance on a car like the Elise will be very expensive for you.
It might be worth thinking about an MX5 for a year or two??

I can't agree with Stu's comment about 8k being a lot of annual miles. Mine did that and was a second car and plenty on here do much bigger mileages.

[Jameschillman]

Hey,

Am 22 and just bought my first 2001 S2, Insurance through Adrian Flux was £1200, No one else came close to that quote, That is on 5000 miles which i doubt i'll get close to!

[nitroexige]

im 23 and have a lotus exige s 220 i pay 1100 have 6 points and 3 years no claims.

try admiral online tho.

[Supertoadylight]

As I suspected - looks like i'll just wait it out for another couple of months.

Really not a fan of the MX-5. Appreciate how good a car it is but just not my cup of tea personally.

Roll on August

[Boggy]

Fu*k sake, I'm 39 and I pay over £1200, mind you I did bend my Exige S quite badly 2 years ago so I shouldn't moan too much.

Anyone under 25 who pays less than 2k is having a result, previously to my accident I was still paying around £900 it's a group 20 Car

Boggy

[Grinnders]

You may find that if you accept no more than 7500 miles a year you'll get cheaper quotes... A lot of the specialists have policies that ONLY cover up to 7500 (classic) policies....

[TIPPER]

Boggy said:

Fu*k sake, I'm 39 and I pay over £1200, mind you I did bend my Exige S quite badly 2 years ago so I shouldn't moan too much.

Anyone under 25 who pays less than 2k is having a result, previously to my accident I was still paying around £900 it's a group 20 Car

Boggy

Even £900 seems a lot Boggy. I know I'm a bit older but I never paid more than £400.

[JB!]

Boggy said:

Fu*k sake, I'm 39 and I pay over £1200, mind you I did bend my Exige S quite badly 2 years ago so I shouldn't moan too much.

Anyone under 25 who pays less than 2k is having a result, previously to my accident I was still paying around £900 it's a group 20 Car

Boggy

21 and paying £1600 fully comp on a grp 16 car

[kazste]

fair dues im a bit older but im paying under £500 fully comp unlimited miles for a new elise s, and im only 28. with competition car insurance, give them a try and if you are willing to get some approved driver training and/or join an official lotus club then they will offer a 10% for each reduction. so even if it came to £2k you would only pay £1620 with 2x 10% discounts.

[Stu_00]

kazste said:

fair dues im a bit older but im paying under £500 fully comp unlimited miles for a new elise s, and im only 28. with competition car insurance, give them a try and if you are willing to get some approved driver training and/or join an official lotus club then they will offer a 10% for each reduction. so even if it came to £2k you would only pay £1620 with 2x 10% discounts.

I thought there all limited miles with CCI ? Did you ask for unlimted miles?

[Forbes82]

I am 22 and looked at a few elises, lowest quote was £1200, in the end for a few reasons (money included) i went for an m100 elan turbo, insurance for that is just £800 FC which was only about £350 more than i was paying for TPFT on a 1.1 saxo!

ETA- That quote was from Aviva btw.

Edited by Forbes82 on Wednesday 14th April 17:01

[Forbes82]

Boggy said:

Fu*k sake, I'm 39 and I pay over £1200, mind you I did bend my Exige S quite badly 2 years ago so I shouldn't moan too much.

Anyone under 25 who pays less than 2k is having a result, previously to my accident I was still paying around £900 it's a group 20 Car

Boggy

Isn't a standard Elise s1 only group 17 though? As you can see above my quote went up by £400 between a group 16 (elan) to a 17 (elise s1), so i think when you get to insurance groups this high perhaps every group increase pushes the insurance up alot. I would imagine if us youngsters were getting insured on group 20 lotuses it would rocket to well over 2k (at a guess, just speculating here).

[TIPPER]

Most of the responses on this thread confirm what the OP already knows: at his age he will have problems trying to insure an Elise for sensible money: Take a mid-engined car that's expensive to repair, combine it with a young driver and most insurers are going to quote a 'when' rather than a 'what if' rate.
I stand by my original council: buy an MX5 first. (It'll get you used to rwd before taking on mid-engined rwd).

[kazste]

Stu_00 said:

kazste said:

fair dues im a bit older but im paying under £500 fully comp unlimited miles for a new elise s, and im only 28. with competition car insurance, give them a try and if you are willing to get some approved driver training and/or join an official lotus club then they will offer a 10% for each reduction. so even if it came to £2k you would only pay £1620 with 2x 10% discounts.

I thought there all limited miles with CCI ? Did you ask for unlimted miles?

told me that the highest mileage cap that they had was 4000 miles so as was planning to do around 12000 miles in it they put me on unlimited. when i get home though i will check the paperwork to make sure!

[Lefty Two Drams]

Boggy said:

Fu*k sake, I'm 39 and I pay over £1200, mind you I did bend my Exige S quite badly 2 years ago so I shouldn't moan too much.

Anyone under 25 who pays less than 2k is having a result, previously to my accident I was still paying around £900 it's a group 20 Car

Boggy

I had a VX220T when I was 23 and paid less than a grand to insure it FC with Elephant.

[ADM 135S]

Boggy, I'm 39 (today!) and drive a S1 135s and pay £320 fully comp. First time I insured the car I paid £700, (7 years ago) Most I've had to pay is £800 after gently sliding into the back of a convoy of women stopped just after a hump back bridge on a duel carriageway in the rain! I wasn't happy lost 2 years no claims. About £5500 worth of damage, only had the car 4 months. They were stopped to let a copper out of a lay-by. Visually just an 8inch gash, where her rear tow eye caught the clam. She said she didn't feel the impact and that she couldn't believe her luck, as that was the 4th time that year someone had gone into the back of her! I was very calm and didn't shout "so don't fking stop just past the brow of a hump back bridge, on a busy duel carriageway in the sodding rain"

Currently with RAC, discount if you also have road recovery.

[TIPPER]

ADM 135S said:

Boggy, I'm 39 (today!) and drive a S1 135s and pay £320 fully comp. First time I insured the car I paid £700, (7 years ago) Most I've had to pay is £800 after gently sliding into the back of a convoy of women stopped just after a hump back bridge on a duel carriageway in the rain! I wasn't happy lost 2 years no claims. About £5500 worth of damage, only had the car 4 months. They were stopped to let a copper out of a lay-by. Visually just an 8inch gash, where her rear tow eye caught the clam. She said she didn't feel the impact and that she couldn't believe her luck, as that was the 4th time that year someone had gone into the back of her! I was very calm and didn't shout "so don't fking stop just past the brow of a hump back bridge, on a busy duel carriageway in the sodding rain"

Currently with RAC, discount if you also have road recovery.

With the greatest respect........you should have been driving with respect to the conditions and visibility. You were driving too fast otherwise you wouldn't have run into the back of her.

[Boggy]

TIPPER said:

Boggy said:

Fu*k sake, I'm 39 and I pay over £1200, mind you I did bend my Exige S quite badly 2 years ago so I shouldn't moan too much.

Anyone under 25 who pays less than 2k is having a result, previously to my accident I was still paying around £900 it's a group 20 Car

Boggy

Even £900 seems a lot Boggy. I know I'm a bit older but I never paid more than £400.

LOL! I know sir, but I live in London

Boggy

Edited by Boggy on Thursday 15th April 16:36