Insurance for young drivers.

[chris1abr]

The initial message was deleted from this topic on 12 February 2012 at 21:55

[SlimRick]

Where the hell do you live? Any driving history?

Edited by SlimRick on Sunday 5th December 17:52

[Baffled Spoon]

Don't buy a typical young drivers' car. These have a high insurance loading for that age range. Get a left wing choice, something like a Volvo S40 1.6. It's big, heavy, uncool and underpowered. Should do the trick

[DanGPR]

I had to pay £1800 for my first years insurance, it's just a fact of life now, that if you want to drive, you have to pay through the nse for the privilege.

Try adding one/both of the parents as a named driver, recently reduced a female friends premium from £1300 to £700 and something!

Get some quotes from money supermarket, then call the people offering the lowest price, you can often get a cheaper price by speaking directly to a person, rather than the perameters set by a computer.

Maybe buy a Mk2 golf 1.3 or something and get a classic policy! Although old cars won't appeal to all youngsters...

[anonymous-user]

Dont use a comparison website, go directly, thats how I've always found a cheap price.

Insurance will be expensive whatever small car you get, but £8k is way too much.

My 17 year old sister has just paid £1300 FC for a Swift but we live in a very cheap insurance area.

Edit: Liverpool will be very expensive for insurance. Try churchill and direct line as they can be reasonable. It wont be to do with putting in full uk, you can stick any details down you want and it will give you a quote based on those facts

Edited by anonymous-user on Sunday 5th December 18:01

[Fort Jefferson]

chris1abr said:

crappy corsa 1.2, and they want me to pay about 8 grand for insurance for a car worth 500 quid.

The value of the car has nothing to do with it. It's the damage you can do with it, or,
more importantly, the personal injury you can cause.

The only way young drivers are going to get cheaper insurance, is to stop crashing.

[Carpie]

Civic's Japanese, higher insurance premiums.

Try a few Rover saloons, remember getting quite cheap quotes on Rovers.

Try Sky insurance.

[Baffled Spoon]

Have you tried using a comparison site rather than just trying one site at a time like Churchill? Can be a good indicator. Try http://www.moneysupermarket.com/insurance/ for example. Also, provisional insurance is often cheaper for a young driver and tends to go up after you pass beacuse while you are learning, you are usually being supervised by someone.

[ferg]

The two things that worked for us were TESCO and naming experienced drivers with spotless records as named drivers...females especially, even if there's really no way they are going to drive it.

[MG CHRIS]

I drive a mg zs 1.8 £1400 a year fully comp and my dad is on the policy aswel this was the cheapest i found and cheaper than small cars and i get to drive a 1.8 yippe. Yea looks like getting something odd not the normal boy racer cars can get you cheaper car insurance. Ive also heared that a 306 diesel is pretty cheap and has ok performance

Edited by MG CHRIS on Sunday 5th December 18:18

[CWH]

Your going to get raped for car insurance in Liverpool.
I live in Liverpool and paid £2200 for Admirals 10 month bonus accelerator policy. I'd been driving 3 years too.
Add a parent, try adding both see if it's any cheaper.
Mine has came down to £1200 now but i'm 21, 1 years no claims and been driving 4 years.
My younger brothers 17 and i've told him there's no point driving at the moment as it's cheaper to get the train round Liverpool if you live on certain lines.

[R1 Loon]

Liverpool is the UK hotspot for fraudulent claims, either opportunistic, or organised.

It's also the top of the charts for the frequency of bodily injury claims as a percentage of crashes at c35% of all claims ending in a claim for injury.

It's also a hotbed for theft.

You are 17 and slap bang in the worst age bracket for causing very expensive crashes.

You are male and even more likely to have an expensive crash

You aren't going to get insurance on anything at a price that is sub £5000.

[anonymous-user]

Get something under 1 litre that isn't a corsa, fiesta or clio. Put a female on it who has a clean record, don't be a noggin in the snow and read through the 42 pages of the PH crash thread to scare you witless into driving slowly



ETA: Then in 7-8 years your insurance might be under 1k...

Edited by MSTRBKR on Sunday 5th December 18:30

[ZOLLAR]

chris1abr said:

so what locations are cheap to insure?

do you think that living in central UK, in a country side will be cheap to insure?
and also- not corsa, clio, fiesta. so which car then? because clio/corsa/fiesta are one of the cheapest to insure..

Move to scotland and become a police officer best way to get cheap insurance

[Muzzer]

chris1abr said:

so what locations are cheap to insure?

do you think that living in central UK, in a country side will be cheap to insure?
and also- not corsa, clio, fiesta. so which car then? because clio/corsa/fiesta are one of the cheapest to insure..

Why? Are you considering moving house to get cheaper car insurance?

Or are you considering lying on your policy....?

Try a Ford Ka.

[petrolsniffer]

Try going with something older if you're willing to sacrifice safety.

Same insurer wanted £1700 for a 106 1.1 yet my 1.1 205 costs £1400?

[Jonny671]

My brother is 17, just learning to drive now and I've spent far too long on comparison websites trying to get him some insurance.. 106 1.1 Independance is cheapest at £3500

I insured my C2 VTR at 18 for that much, which was a 1.6 with 115bhp.

[ZOLLAR]

Jonny671 said:

My brother is 17, just learning to drive now and I've spent far too long on comparison websites trying to get him some insurance.. 106 1.1 Independance is cheapest at £3500

I insured my C2 VTR at 18 for that much, which was a 1.6 with 115bhp.

I find C2's are pretty good when it comes to insuring young drivers its a car i usually suggest when speaking to policyholders parents.

[Jonny671]

ZOLLAR said:

Jonny671 said:

My brother is 17, just learning to drive now and I've spent far too long on comparison websites trying to get him some insurance.. 106 1.1 Independance is cheapest at £3500

I insured my C2 VTR at 18 for that much, which was a 1.6 with 115bhp.

I find C2's are pretty good when it comes to insuring young drivers its a car i usually suggest when speaking to policyholders parents.

Yeah, they're good cars. Quite expensive to buy but cheaper insurance makes them worth it. Still, insurance has gone up recently hasn't it so its always going to be more expensive.

[mister.t]

The only companies I have found cheap for me at my age (19) are Admiral and Elephant. I think postcode makes a collosal difference, I have been driving almost 3 years, started a new policy on a 2001 MINI Cooper (non-S) and its £850, yet a friend who lives right inside a town centre on the same parameters would have to pay nearer £2500!