View Full Version : 17 / 18 years old, want to drive...
£££££££££££££££££££££££
Right now I am 17, I'll be learning to drive in March, hopefully all passed and what have you come April / May.
Then I'm going to look into getting a car. I'll be 18 in October, so may wait it out until then, because of insurance.
I have recently heard about a company called I-Kube who insure on a curfew basis. They install a tracker in your car and you can't drive between 11pm and 5am, as statiscally these are the most dangerous hours. This means they can give you lower, fully comp quotes. Around £1700 for a '01 Fiesta 1.25. I would rather have regular insurance, but if I-Kube is my only financially viable route, I'll go with them.
My questions are.
What car should I get for £1500 or less?
Can anyone advise me on how to get my insurance as low as possible?
Stick your mum on it is a very good way.. I'm 28 and it still takes a bit off my insurance! :lol:
jointhedotz
14-02-11, 16:13
Which is illegal.
No, it isn't.
Insuring in your mothers name with you as a driver is fronting, adding a named driver is adding a named drived....useful
put it this way, when i was 17 i bought a 1.1 litre corsa off my brother (something like a 92 plate, so quite old) and the absolute cheapest i could find (internet, comparison sites & calling companies) was £2400!
which is now why i ride a motorbike, as my 1st years insurance on that was around £650
Which is illegal.
No its not. Having your policy in your mum's name when you are the main driver is illegal. Having your mum as a named driver on your own policy in your own name is fine....
Around £1700 for a '01 Fiesta 1.25
wow! :eek: that's expensive. i had been quoted around £1200 for a X reg Golf 1.4 when i was 19.
for £1500, your best bet is a hatchback, try Polo, Fiesta, Corsa, Clio or 206. keep engine to something like 1.2 should bring your insurance down. 1.4l is the limit, as rental companies won't rent under 25 any car over 1.4l. get your Dad or someone who've bought 2nd hand cars before, go to private sales as they are usually cheaper than dealers. and do not touch any car that has been modified in any way, that's a minefield.
agree with adding one of your parent, bought down my Volvo S40 insurance down by £150 by adding my Dad on it. and around £800 is not bad for a 1.8l luxury saloon (leather seats!), 24 year old.
another thing is to jack up excess. do multiple quotes online, and plot a graph, there will be a sweet spot that nets you a good price with reasonable amount of excess.
jointhedotz
14-02-11, 16:26
as stated above, don't assume that smaller cars will be cheaper to insure, when i passed i bought a 1.3 fiesta and later found that the insurance on a 1.8 focus would have been the same. And recently I thought about downsizing, turns out a 1.2 punto cost the same to insure as my 2.0 golf gti........try everything :-)
Oh, and if you jack the excess up you MUST assume you'll have to pay it, don't get silly
AaronWHUFC
14-02-11, 16:28
Which is illegal.
http://t3.gstatic.com/images?q=tbn:ANd9GcSS1h1r_evNyw8ILqo2Yh6jxA483B-KuYkE668N0ZR-LKSKYajm
InvaderGIR
14-02-11, 16:43
I'll be learning to drive in March, hopefully all passed and what have you come April / May.
You think it'll take you 1-2 months to do all required tests and be at a passable level? :confused:
Took me 3 weeks when I did mine :) I remember, I took the theory test on the monday, and then started lessons. 3 mondays later, I had the practical test, and passed with 2 minor faults. That date/time is engrained in my memory forever :lol: :lol:
There's something called 'pass plus' which you can do. It's a short course an usually cuts about 30% off your insurance.
InvaderGIR
14-02-11, 17:40
Took me 3 weeks when I did mine :) I remember, I took the theory test on the monday, and then started lessons. 3 mondays later, I had the practical test, and passed with 2 minor faults. That date/time is engrained in my memory forever :lol: :lol:
Going by the vast majority of people in the country though, it'll take a lot longer. ;)
There's something called 'pass plus' which you can do. It's a short course an usually cuts about 30% off your insurance.
Don't bother. Most insurance companies never take this into account, or don't care. Save yourself the money of not taking the pass plus, put it towards insurance.
Going by the vast majority of people in the country though, it'll take a lot longer. ;)
Definitely.. And looking at the quality of driving on the roads, I would question how many of those drivers actually genuinely reached a passable standard, rather than just fluked it on the day :lol: :lol:
GentleGiant
14-02-11, 17:58
As above, the insurers that knock 30% off are the ones charging 50% MORE in the first place.
Re car to buy, Look at all the cars you and your mates want.
Then forget about them, for your money you will only be able to buy an ancient clapped out wreck.
Look for a car that you are comfortable behind the wheel, is cheap to get spares for and is a make no one desires.
And I mean comfortable, most "starter" cars have tiny pedals more suitable for a girl or a large child!! (Ka, Fiesta, etc)
I got my son a Skoda Felicia 1.3GLi, a one owner "S" plate, 52k miles, FSH (with Skoda), EW, PAS, Airbag, seatbelt pre-tensioners and mint condition from a Mobility dealer, for £350.
I will admit I was lucky, a cheapo car dealer usual asks more like £700 - £1,000, but some upmarket outfits just want them out of the way as fast as possible so put them up for silly money.
After he wrapped it around a 40 tonne lorry 6 months later, we got him a "P" plate replacement from a BRISKODA member for £150 that he sold a few weeks ago for £200; a years free motoring.
The advantage of a really cheap car is, if there is no 2nd party damage, you can just walk away and buy another without telling your insurer.
michaelkenward
14-02-11, 17:58
Just remembered something that hasn't come up before, while the folks here may know quite a bit about insurance, we aren't experts, unlike insurance brokers, who do it for a living.
We have always used a broker. we seem to have a different insurer every year. and the rates compare very well with anything we have seen elsewhere.
You should be able to find a local broker. They might even be able to do a deal for the whole family.
As above, the insurers that knock 30% off are the ones charging 50% MORE in the first place.
Re car to buy, Look at all the cars you and your mates want.
Then forget about them, for your money you will only be able to buy an ancient clapped out wreck.
Look for a car that you are comfortable behind the wheel, is cheap to get spares for and is a make no one desires.
And I mean comfortable, most "starter" cars have tiny pedals more suitable for a girl or a large child!! (Ka, Fiesta, etc)
I got my son a Skoda Felicia 1.3GLi, a one owner "S" plate, 52k miles, FSH (with Skoda), EW, PAS, Airbag, seatbelt pre-tensioners and mint condition from a Mobility dealer, for £350.
I will admit I was lucky, a cheapo car dealer usual asks more like £700 - £1,000, but some upmarket outfits just want them out of the way as fast as possible so put them up for silly money.
After he wrapped it around a 40 tonne lorry 6 months later, we got him a "P" plate replacement from a BRISKODA member for £150 that he sold a few weeks ago for £200; a years free motoring.
The advantage of a really cheap car is, if there is no 2nd party damage, you can just walk away and buy another without telling your insurer.
Have just been looking at Felicia's actually :P
Just remembered something that hasn't come up before, while the folks here may know quite a bit about insurance, we aren't experts, unlike insurance brokers, who do it for a living.
We have always used a broker. we seem to have a different insurer every year. and the rates compare very well with anything we have seen elsewhere.
You should be able to find a local broker. They might even be able to do a deal for the whole family.
This. Explain how brokers work?
jointhedotz
14-02-11, 18:36
a broker is simply a middleman taking a cut, they sell you a policy and administer the payments and anciliaries, nothing more.
i would recommend a company called bell.co.uk as a young driver, they were cheapest for me and still are, I'm 22.
adding parents with clean long licences, and older sister if you have a one or more as named drivers really reduce the price.
as for cars... i loved my first car it was a mk4 1.4 polo, quite torquey for a little car and pretty modern inside compared to fiesta's etc
http://i40.photobucket.com/albums/e232/finnersuk/Car/Photo-0139ghhsh.jpg
jointhedotz
14-02-11, 18:53
nice polo, very clean. hope you told bell about the mods though ;)
My advice: don't go with the typical first cars like Corsas, Fiestas, Puntos and Clios. I think they're considered high risk because of how chavs treat them.
The most I've spent over 1 year on fully comp insurance for my 1.5l 2003 Almera is £680, and it's my first car. The Almera is classified as a small family car.
With that budget, have a thorough shop around and don't focus on the small, typically first cars that I have listed. See what you can get for that money.
A slightly older friend of mine has never paid over £1,000 for any of his cars to buy. Not sure about insurance though. Cars he's had:
Toyota Corola
Peurgeot 406
Vauxhall Omega
Lexus LS 400
Mercedes (can't remember the actual model)
BMW 5 series
Range Rover
Land Rover
nice polo, very clean. hope you told bell about the mods though ;)
I actually did lol, it dosent add as much as i thought.
My advice: don't go with the typical first cars like Corsas, Fiestas, Puntos and Clios. I think they're considered high risk because of how chavs treat them.
The most I've spent over 1 year on fully comp insurance for my 1.5l 2003 Almera is £680, and it's my first car. The Almera is classified as a small family car.
With that budget, have a thorough shop around and don't focus on the small, typically first cars that I have listed. See what you can get for that money.
A slightly older friend of mine has never paid over £1,000 for any of his cars to buy. Not sure about insurance though. Cars he's had:
Toyota Corola
Peurgeot 406
Vauxhall Omega
Lexus LS 400
Mercedes (can't remember the actual model)
BMW 5 series
Range Rover
Land Rover
At what age was this?
At what age was this?
I'm currently 23, I've owned the car for two years.
I'm currently 23, I've owned the car for two years.
That'll have something to do with it :P
Still decent though. Thinking of Skoda Felicia / Rover 200.
That'll have something to do with it :P
Still decent though. Thinking of Skoda Felicia / Rover 200.
Yeah but my first year was still only £680.
When I was shopping for my first car, I would get the registration numbers of cars I was interested in, then get quotes from as many insurers as possible. Whenever I got quotes for Fiestas, Corsas or Puntos, they were all over £1,000. A lot of the time, that was more than the car was worth.
Edit: One thing I forgot to mention: my excess is £500. The higher the excess, the lower your premium tends to be.
I've never had to pay four figures for insurance, I know there is inflation since the days of running steam powered cars ;) but I'm in shock at the prices being quoted.
My Freelander=£183 a year, RenaultClio=£167.
Both on low limited mileage policies, Freelander is subject to it being a second car, not the main one, which with the MPG it does compared to the Clio is obvious. Also part of a 4x4 MSA recognised club which knocked off pounds for the Freelander.
Adding a 17year old to the Freelander added about £130 the last time I checked, adding the wife adding £18, social use only, same limited mileage.
DT.
I've never had to pay four figures for insurance, I know there is inflation since the days of running steam powered cars ;) but I'm in shock at the prices being quoted.
My Freelander=£183 a year, RenaultClio=£167.
Both on low limited mileage policies, Freelander is subject to it being a second car, not the main one, which with the MPG it does compared to the Clio is obvious. Also part of a 4x4 MSA recognised club which knocked off pounds for the Freelander.
Adding a 17year old to the Freelander added about £130 the last time I checked, adding the wife adding £18, social use only, same limited mileage.
DT.
Is that an owners club?
My uncle was saying buy a classic car, for instance an MG, then insure it through them as they offer some kind of special member discount and also classic car insurance is just meant to be cheaper?
Not sure that's right, but if it is, could save a few quid :)
It is illegal to have your mother as the main driver and you as a named driver if you are the main driver.
buy a new bike :p!
much cheaper and u only have to pay to fuel ur legs :D!
im 17 in april and really couldn't give 2 hoots about driving tbh :(!
It is illegal to have your mother as the main driver and you as a named driver if you are the main driver.
Thats not what anyone has suggested though! :lol:
I3R0K3N7FEET
14-02-11, 20:49
That'll have something to do with it :P
Still decent though. Thinking of Skoda Felicia / Rover 200.
doesnt make a difference.
my mate passed his driving test 3 months ago and is 25, his insurance for 3rd party, cheapest he could find on a rover 200 was £1500ish
my first car was a landrover county 2.5litre landrover county, fully comp cost me £550. but that was like 4 years ago.
damn i paid £600 on a fiesta when i was 17 but that was almost 13 years ago most i paid for insurance though was £1400 but that was fully comp on a skyline
im afraid you just need to bite the bullet an get the first year out the way then it will start to come down
doesnt make a difference.
my mate passed his driving test 3 months ago and is 25, his insurance for 3rd party, cheapest he could find on a rover 200 was £1500ish
my first car was a landrover county 2.5litre landrover county, fully comp cost me £550. but that was like 4 years ago.
Ah fair enough.
Just spent 3 hours trying to get quotes over the phone and failing at various hurdles. :anger:
Start with one of the comparison sites, and then phone the top 4 or 5 and play them against each other. Also, if you have a car in mind, see if there is an enthusiast forum online who might have a deal or be able to point you in the right direction of an insurer for that specific car/forum.
Also, try looking up some local companies too.. :)
I think my first policy was with Endsleigh, as were quite a few of my friends.. They seem to be relatively good for young drivers, but a lot of it depends on the area you live in..
michaelkenward
14-02-11, 22:07
a broker is simply a middleman taking a cut, they sell you a policy and administer the payments and anciliaries, nothing more.
But brokers also have access to various deals that you cannot find through the usual channels.
Think of a broker in the same terms as Aria. It too is "simply a middleman taking a cut". But because it wants your money it finds ways of getting stuff at attractive prices.
You can spend weeks chasing around for quotes. A broker will have access to suppliers that are not open to the retail market.
If you don't like what they offer, then you can go elsewhere. You are under no obligation. Which is why most will find you a better deal than you can on your own.
Brokers are good for people in exceptional circumstances. People with medical problems, the old and the young.
InvaderGIR
14-02-11, 22:18
It is illegal to have your mother as the main driver and you as a named driver if you are the main driver.
Which NOBODY said to do. They said to have him as main and mum as named, :rolleyes:
At the moment I'm on hold with Bell.co.uk
Getting a quote on a Rover 200 1.4.
InvaderGIR
15-02-11, 18:05
At the moment I'm on hold with Bell.co.uk
Getting a quote on a Rover 200 1.4.
I suspect it'll be loltastic. Out of interest, why not do it online? The only reason to phone them is to get it on a monthly premium, which will be about 3x the price of a lump sum premium.
I suspect it'll be loltastic. Out of interest, why not do it online? The only reason to phone them is to get it on a monthly premium, which will be about 3x the price of a lump sum premium.
Loltastic, why?
Have been told phoning them gives a much better quote than using the online quotations.
I have always gone online for my quotes. Currently with Aviva, first year was with Direct Line. Neither of those two are on price comparison sites, although the PCSs are where I started looking for quotes.
I have always gone online for my quotes. Currently with Aviva, first year was with Direct Line. Neither of those two are on price comparison sites, although the PCSs are where I started looking for quotes.
Tried those, £13k for Aviva, Direct Line wouldn't quote me.
MobiusPizza
15-02-11, 19:12
Try to find a car in lower insurance groups, that means cheaper insurance premium. I'd get a cheap car ~£500 as unfortunate small accidents can happen when you are inexperienced even if you are careful. With a cheap car you won't worry too much about fixing body works etc.
As for price comparison, go to moneysupermarket which has good advice.
http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance
I haven't heard about First Direct but it's one last company not on price comparison sites apart from the other 2 you mentioned
Tried those, £13k for Aviva, Direct Line wouldn't quote me.
£13k?!!!? Thats pushing the limits of the most ridiculous quote I got, a couple of years ago! :lol:
InvaderGIR
15-02-11, 19:40
Loltastic, why?
Have been told phoning them gives a much better quote than using the online quotations.
loltastic because a 1.4 Rover is silly on insurance.
Phoning the likes of the Admiral Group (Bell, Admiral, Elephant) will not get a lower premium, only allow you the option of finding out how much it'd be per month.
I might try a broker, sounds like a good idea. If I were to drive, when/if I get a job, I really would want to spend no more than £2000 on insurance, but I keep getting quotes of £8000 and upwards :(
michaelkenward
15-02-11, 21:11
I keep getting quotes of £8000 and upwards
If you must drive a Porsche....
I might try a broker, sounds like a good idea. If I were to drive, when/if I get a job, I really would want to spend no more than £2000 on insurance, but I keep getting quotes of £8000 and upwards :(
Well what on earth are you trying to insure?
Well what on earth are you trying to insure?
Well my mate was on the phone to aviva earlier and a 1.0 litre Polo was 9.6k with his mum and dad as named drivers.
Have you actually tried online comparison sites rather than phoning?
Have you actually tried online comparison sites rather than phoning?
I did, and so many of the comparison sites fail with "unable to quote due to age".
Your age?? Do they not quote for the over 60s now? :lol: :lol:
jointhedotz
15-02-11, 23:13
I have to say, i'm kinda glad i'm getting on now, reading this and mikey's thread is painful!
Just as a suggestion, maybe look towards people like adrian flux, they deal more in modified cars but have a reputation for cheaper quotes on these (typically driven by young folk) so may be worth a shot. Either that or get an old beetle/mini/whatever on classic insurance.
hmmm I am currently getting quoted £3k, 3rd party, named driver or otherwise. Passed in Nov '10, 18 in July....... kinda mucked up.
2006 Vauxhall Corsa, 1.2
2008 Vauxhall Corsa 1.8
2000 VW Polo 1.0
all £3,700 premium. WTF? I'm using Quinn for reference purposes, but they are all about the same...
I3R0K3N7FEET
16-02-11, 00:17
unsurance is a joke, its merely a method to sort through who has cash and to reduce the number of drivers on the roads in the uk. where you live is a pretty big factor too.
personally if the uk had a decent public transportation system then then it would make sense to limit/reduce driving.. but there isnt.. its expensive and unreliable.
2006 Vauxhall Corsa, 1.2
2008 Vauxhall Corsa 1.8
2000 VW Polo 1.0
all £3,700 premium. WTF? I'm using Quinn for reference purposes, but they are all about the same...
All classed as potential new driver boy racer cars that will get thrashed and then written off within the first 24hours of being on the road.... All easily nickable too..
Whats the crime rate like in your area?
Crime in my area is low. The guy on the phone at i-kube said Milton keynes is expensive for insurance.
Sent from my HTC Desire using Tapatalk
Have you actually tried online comparison sites rather than phoning?
Yes, 4.6k from Admiral is best so far.
Sent from my HTC Desire using Tapatalk
MobiusPizza
16-02-11, 07:53
At your age 4.6k is reasonable in a bad way.
In a few years time if you have no accidents it will drop quite rapidly. At 21 it'd 1k-2k
If you are not desparate you can hold on to your license, use public transport, and wait till you have some liceanse years and when you are older. Owning a car is expensive. There is road tax, servicing, MOT, tyres, petrol!
I3R0K3N7FEET
16-02-11, 08:01
Owning a car is expensive. There is road tax, servicing, MOT, tyres, petrol!
and near impossible to get a decent job without being mobile.
GentleGiant
16-02-11, 08:33
I notice you are looking at 3rd Party. In my experience (while looking for my son when he was 17), it is cheaper to get Fully Comp or TPF&T.
I suspect they think you will look after the car better if you go for the fuller cover.
Re low insurance group..
At your age there is no difference between Grp1 and Grp5. I was quoted almost the same for a Grp5 Felicia 1.3 and a Grp1 Micra 1.1.
If you do go for a Felicia, the 1.3 is the model to go for, it is only 7bhp less powerful than the 1.6, is chain driven, so no cambelt to worry about, and if looked after can average 40+mpg; we averaged 48mpg while my son was learning to drive, dropping to 42mpg after he passed his test and went off looning around in it.
All same price for me. Yes they are boy racer cars Aaron but that's exactly what I am LOL .. . don't want to drive around in a bloody MATIZ hahaha :D :D
I'm going to wait until the summer, then I will be a year older, no no claims, but hopefully will drop a little.
I have the money for a car, parents willing to pay for insurance, but I really don't need one right now so it's best to wait until next year and see if I go to uni etc.
No matter what I do, 3.5k is the lowest I can get.
michaelkenward
17-02-11, 22:22
No matter what I do, 3.5k is the lowest I can get.
This could be good news, albeit disappointing.
At getting on for £70 a week, think how many taxis you can get for that. You can also afford to drink a glass or two and won't get banned for driving under the influence.
Go back to basics.
Why do you want to drive around?
To chat up the birds?
Impress your mates?
If either of these, wait a bit. They will still be there when you can afford the cost of insurance.
Then again, I am a bad advertisement. Passed a motorbike licence at 18 but didn't get round to a car licence for another 20 years.
I'm waiting until after uni personally, when I'll actually need a car! :)
That doesn't mean I don't want to drive, in fact I'd love to, but I can't justify the cost. Rather go out.
No matter what I do, 3.5k is the lowest I can get.
You might find this useful:
http://www.parkers.co.uk/News/Motoring-Costs/10-steps-to-save-on-insurance-TODAY/
Someone I know passed their test and got an insurance quote at 18 a couple of months ago..
They got a Toyota Yaris 1.0 (not a boy racer car). They are down as being a full time student - one of the highest risk catagorys. They live in the middle of a city - also high risk. And they pay about £650 fully comp....
I think most of it is about the type of car that you look for . It doesnt matter what insurance group it is, to some degree - what matters is how the insurance companies look at the cr and the stereotype of who is likely to drive that model. Which is a shame really..
I am not sure, I tried a Rover something or other, and actually got a quote of around £6000.
Another thing is that my postcode is BN, but a mate is TN, and he lives just up the road. If we do the same quote, different postcode, his drops about £300. I phoned up and asked, and the woman said that it does deal with the whole postcode (not just the BN part - i.e. I don't live in the centre of Brighton, far from it), so I am not sure what makes it go up.
Get this as well;
My friend is up for renewal in March. His quote was around £2000. He did the following;
Legal Cover - YES
Parked on Road - YES
No immobiliser
Old person as named driver (90+)
Annual Mileage 10k
and this is the big part, it DROPPED to £1200.
Depending on who you insure with, parking the vehicle on the road (or saying you do) is cheaper than having it in a locked garage. Now isn't that ****ed up.
Doesn't sound that cheap... £1.7k for insurance on one of the lowest insurance group cars around, and also having to adhere to some curfews?.. Wouldn't interest me.
Im driving a 2001 1.4 for £1100, and im 18.
Insured in my own name, TPFT, Parents also on policy.
I am not sure, I tried a Rover something or other, and actually got a quote of around £6000.
Another thing is that my postcode is BN, but a mate is TN, and he lives just up the road. If we do the same quote, different postcode, his drops about £300. I phoned up and asked, and the woman said that it does deal with the whole postcode (not just the BN part - i.e. I don't live in the centre of Brighton, far from it), so I am not sure what makes it go up.
Get this as well;
My friend is up for renewal in March. His quote was around £2000. He did the following;
Legal Cover - YES
Parked on Road - YES
No immobiliser
Old person as named driver (90+)
Annual Mileage 10k
and this is the big part, it DROPPED to £1200.
Depending on who you insure with, parking the vehicle on the road (or saying you do) is cheaper than having it in a locked garage. Now isn't that ****ed up.
The thing about insurance is there are many ways to bring your quote down, but the last thing you want to do is not tell the truth.. Insurance companies will use any excuse to not pay out.
Its a well known way of doing it that saying that you park it on the road DOES bring the insurance cost down (which is ridiculous), but I'd only ever say that if it was the case.. If something happens, and they come and have a look and they see you have a 2 car driveway and your parents only have 1 car, then it will be up to you to prove, without question, that you don't park it on the road rather than on the spare space on the drive. If you can't, they will say that your policy is invalid and you could even get prosecuted for driving with no insurance....
MobiusPizza
18-02-11, 08:17
It doesnt matter what insurance group it is, to some degree - what matters is how the insurance companies look at the cr and the stereotype of who is likely to drive that model. Which is a shame really..
That's the exact point of 'insurance group', only a little bit more scientific. Insurance group includes statistics on usage profile, as well as costs to repair/replace said car if involved in an accidient, etc.
Toyota Yaris 1.0 is in Insurance group 2E
That's same as a Smart car
GentleGiant
18-02-11, 08:42
Someone I know passed their test and got an insurance quote at 18 a couple of months ago..
They got a Toyota Yaris 1.0 (not a boy racer car). They are down as being a full time student - one of the highest risk catagorys. They live in the middle of a city - also high risk. And they pay about £650 fully comp.....
That wouldnt be with Quin would it?? 650-750 is a typical Quin quote for a policy on a Provisional License.
Insured on their Provisional License and not bothered to tell the insurer they have passed their test?? (ie, driving without valid insurance)
Quin are Aholes, once you have passed your test, the insurance goes up to 8-10k!!! They know full well people wont tell them they have passed because of the hike in price, so they effectively get £650-£750 with no risk of ever having to pay out.
Asda were the cheapest for my son, but still nearly £2500 for the first year; the 2nd year we managed to find a quote for £1600.
That's the exact point of 'insurance group', only a little bit more scientific. Insurance group includes statistics on usage profile, as well as costs to repair/replace said car if involved in an accidient, etc.
Toyota Yaris 1.0 is in Insurance group 2E
That's same as a Smart car
Yeah, in theory.. My point is that it doesnt always work like that though.. For example, I just did a comparison for me between a Citroen Saxo 1.1 and a Ford Focus 1.8. The Focus is 4 or 5 groups higher insurance, and yet its cheaper to insure because its not classed as a boy racer car, whereas the Saxo is..The premiuma are higher even though the group is lower..
jointhedotz
18-02-11, 11:16
Yeah, in theory.. My point is that it doesnt always work like that though.. For example, I just did a comparison for me between a Citroen Saxo 1.1 and a Ford Focus 1.8. The Focus is 4 or 5 groups higher insurance, and yet its cheaper to insure because its not classed as a boy racer car, whereas the Saxo is..The premiuma are higher even though the group is lower..
bingo
ford focus, not boy racer? lolwut... :D
On the contrary to you, I found a Saxo VTR much cheaper to insure than a 1l Corsa... unbelievable.
ford focus, not boy racer? lolwut... :D
On the contrary to you, I found a Saxo VTR much cheaper to insure than a 1l Corsa... unbelievable.
A new model 2007 Ford Focus 1.8 is classed as a family hatchback..?
And how is that contrary?! :confused: The Saxo VTR is a far higher insurance group than a 1.0 Corsa - which was exactly my point. Higher insurance group doesnt equal higher premium..
I never said that the Saxo had the highest possible premium of all boy racer classed cars, did I? I said that a 1.1 Saxo had a higher premium for me than a 1.8 Ford Focus which was 4 or 5 groups higher.... :lol:
MobiusPizza
18-02-11, 16:14
I blame it on the actuaries :)
I blame it on boy racers and non insured drivers. If they are even different things.... :lol: :lol:
type of car does matter but also location some places get saxo's stolen more than focus an vice versa so it can alter alot.
Like i said u will pay loads the first year just bite the bullet an be safe an get it out the way.
So me and my buddy have managed to get our quotes down to 2.1k - 2.7k, depending on the reg (it's weird, it'll vary between one 1998 rover 211 and another 1998 rover 211), third party fire and theft of course.
Out of interest I then did a quote to see how much it'd be after a year of driving, with a year's no claims.
£752 fully comp. Think I'm just going to bite the bullet on the ~£2.5k this year and get it over with.
GentleGiant
19-02-11, 11:56
The reason the cost is so high for a new drivers first year is because so many will have an accident. The lessons do not teach everything, and the test does not cover everything, especially handling; hands up everyone who had an accident in their first year of driving, I know I did.
I recommend any new driver to buy the cheapest car they can live with and drive it for the first 2 years; after that time you should be an infinitely better driver than you were the day you passed your test.
If/when you have an accident that doesn't (with any luck), involve another vehicle or property damage, you can repair/scrap the old car and buy another one without the insurance company ever having to know.
Yes, your mates may extract the urine, but at the end of the day you will have saved an awful lot of money (assuming they are actually insured), and have a couple of years NCB under your belt.
I recommend any new driver to buy the cheapest & SAFEST car they can live with and drive it for the first 2 years; after that time you should be an infinitely better driver than you were the day you passed your test.
Just added in a key word there....
There's no way I'd want anyone I know driving around in a car made solely of rust, just because it was £200 cheaper than one that had a good ncap rating.. As you say, most new drivers will have an accident of some sort in their first year of driving, so I'd much rather they were well protected if/when it happened!
power fuse0
19-02-11, 18:56
No its not. Having your policy in your mum's name when you are the main driver is illegal. Having your mum as a named driver on your own policy in your own name is fine....
Does that really reduce the price of your insurance?
Yeah, it still does even at 28! :lol:
So does putting some business mileage on your usage as well.. But again, only if you actually do business mileage!
Rover 200 / Skoda Felicia are decent safety-wise anyway.
People make the mistake of thinking its only the car or age that determines the premium - its not. Insurance companies look at loads of rating factors that include where you live, what you do for a living, what sex you are, how old you are, what kind of licence you have (additions like pass plus DO make a difference) how long you have had it for and what you're going to use the car for and when.
Biggest premiums not including the car insured as a factor will always be new young male drivers in an urban environment with no full time job, it sucks, but thats how it is.
I remember when I passed my test.. I had my own policy on my provisional licence, and then I passed - and my premium went up! :lol: :lol:
Yeah I realise why they did it - I just wasn't expecting it :lol:
Anyway, thats all looooooong in the past now anyway :)
GentleGiant
20-02-11, 00:02
Thanks, safety is an issue I was thinking about but neglected to mention.:o:o
yes premiums go up for the reasons stated, but how much they go up varies enormously.
My son's went up by about £500.
Quin (who I will keep bashing until they go under again), will charge MANY THOUSANDS MORE.
As i said, I have a theory about this; they know that while on "L" plates you are not likely to have an accident, so can quote stupidly low.
They also know that most teenagers do not actually have a brain and wont think to inform them after they have passed their test, thus invalidating their insurance, and that those who know they should, and also know what the cost will be are going to keep quiet anyway
They also know that no-one honest will willingly pay the typical 6-12 thousand they quote, these people cancel the policy and go elsewhere, with only a fraction of their £650-750 being returned (if any).
As most teenagers take and pass their test in a few months, Quin effectively get the same amount per month that the other insurers are quoting, but with only a tiny fraction of the risk.
Genius, evil genius; Satan could not do better.:ninja:
A Ginger Sheep
20-02-11, 01:06
I'm waiting until after uni personally, when I'll actually need a car! :)
That doesn't mean I don't want to drive, in fact I'd love to, but I can't justify the cost. Rather go out.
this is same for me
Thanks, safety is an issue I was thinking about but neglected to mention.:o:o
yes premiums go up for the reasons stated, but how much they go up varies enormously.
My son's went up by about £500.
Quin (who I will keep bashing until they go under again), will charge MANY THOUSANDS MORE.
As i said, I have a theory about this; they know that while on "L" plates you are not likely to have an accident, so can quote stupidly low.
They also know that most teenagers do not actually have a brain and wont think to inform them after they have passed their test, thus invalidating their insurance, and that those who know they should, and also know what the cost will be are going to keep quiet anyway
They also know that no-one honest will willingly pay the typical 6-12 thousand they quote, these people cancel the policy and go elsewhere, with only a fraction of their £650-750 being returned (if any).
As most teenagers take and pass their test in a few months, Quin effectively get the same amount per month that the other insurers are quoting, but with only a tiny fraction of the risk.
Genius, evil genius; Satan could not do better.:ninja:
Yeah, I was lucky.. Mine only went up by £25 if I remember rightly.. But as you say, Ive known other people who have had it go up by hundreds.
Admiral quoted 1500 for my provisional. Pass plus made no difference at all.
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Admiral quoted 1500 for my provisional. Pass plus made no difference at all.
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only certain insurers will give pass plus discounts
GentleGiant
21-02-11, 15:21
Asda quoted 1800 Provisional, going up to 2400 after, including nearly 100 "handling fee".
A friend of my son was with Quin, he paid 650 for his provisional and when he told them he had passed, was told the new premium was 8500!!
Going to get a Skoda Felicia 1.3 as that's the cheapest to insure for me, £2500 tpf&t at Admiral, but then with 1 years no claims and 10 months since passing test (Admiral's NCB accelerator gives you a year's no claims in 10 months of driving) it drops to just 900 fully comp! Same with the Rover 200 1.1, anything else gives me ridiculous quotes.
Did a quote for a 19 year old (what I will be October 2012) and think I might get myself a GTI-6 as the insurance was only about 1700 fully comp and it's a dream car of mine. See how the funds go at the time.
Long story short, Skoda Felicia 1.3.
When buying a car privately, what's the process? Obviously you've got to be insured to drive it away. Confused.
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I never had my own insurance when I was on my provisional licence, when learning the driving school insurance covered me and if I got a lesson from my dad I was a named driver and it cost about £30 quid for the year. Cant believe there are people with £1800 provisional insurance!!!
Added after 3 minutes:
When buying a car privately, what's the process? Obviously you've got to be insured to drive it away. Confused.
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I've only bought privately once; and that was through ebay, so I arranged to collect on a day and then got the insurance to start on that day.
Another option is to know who your going to go with for the insurance and take their phone number, then after buying the car sit in it and call the insurance company and start the policy over the phone.
sold my car privately twice, neither of them bothered to get it insured when they got the car - I guess you can take your chances
you can always call up your insurance company / take out new insurance and it'll start from the day you took it out/get the car
InvaderGIR
27-02-11, 14:39
sold my car privately twice, neither of them bothered to get it insured when they got the car - I guess you can take your chances
Or not. :rolleyes: Don't encourage illegal activities via this forum.
you can always call up your insurance company / take out new insurance and it'll start from the day you took it out/get the car
Always do this, or at least, ensure you've got a policy that does cover you to drive a car you've bought. If you have DOC on your current policy it is NOT legal to then drive your new car under the assumption you are covered, because you are not.
Take out a policy that starts that day or a few days before.
Last few times I've bought cars I've ensured I have a policy covering the new car, although with my current car I was only insured about 1-2hrs before I picked it up, but I was covered.
sold my car privately twice, neither of them bothered to get it insured when they got the car - I guess you can take your chances
As mentioned, that is completely illegal and shouldn't be discussed, suggested or encouraged on this forum.
People driving with no insurance is one of the reasons that insurance policies can be so high today!!
The more people get stopped and have their car seized and crushed because of no insurance, the better, regardless of how long they've had it for.
GentleGiant
28-02-11, 00:15
Get a firm quote from an insurer, go look at the car you want, test drive etc. If you intend to buy on the same day, phone up the insurer with the quote reference and tell them you want it to start immediately, then pay over the phone with your credit card, or debit card; either all of it or a deposit.
If you dont buy on the day, arrange the insurance to start on the day you go to collect the car, by default most policies start at either midday or midnight, so check which applies!!!! You dont want to drive off at 11:30 when the policy doesnt start for another 30 minutes.
Surely a test drive would be illegal?
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Pretty much, yeah.. Unless you're buying from a garage which will have trade plates and insurance to cover you OR you already have an insurance policy which allows you to drive cars other than your own..
GentleGiant
28-02-11, 15:05
The sellar should still have it insured, and as he/she will be going with you, you are covered.
Re the Felly, do you know which engine code the 1.3 is??
There is a staid 54bhp "135" engine and a frisky 68bhp "136" engine.
The sellar should still have it insured, and as he/she will be going with you, you are covered.
Not sure thats right if its a private sale?
The sellar should still have it insured, and as he/she will be going with you, you are covered.
Re the Felly, do you know which engine code the 1.3 is??
There is a staid 54bhp "135" engine and a frisky 68bhp "136" engine.
Any way to tell without physically being with the car.
InvaderGIR
28-02-11, 16:59
Not sure thats right if its a private sale?
It isn't.
MobiusPizza
28-02-11, 17:05
One day insurances around 30 quid is available.
If you keep to a very quiet place, e.g. empty car park to do your test drive with no chance of damaging other people's property then I guess it's fine.
GentleGiant
28-02-11, 17:40
LX, GL = 54bhp
LXi, GLi = 68bhp
Not sure about the SLX/SLXi, or the later "Classic" but should be the same.
If you want to know more, or ask advice about your new Felly, join Briskoda.net
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