[Maccees]

Has this given you any kind of saving?

I looked into it but the quote was Astronomical compared to what I was getting individually with other insurers. I hear young drivers though, (supposedly) insuring cars faster and more expensive than mine (1.6 Astra H).

[manderton]

knocked mine down from about £2k to £900 on my parents policy.

1.9D Citroen Xsara

[Maccees]

(Original post by manderton)
knocked mine down from about £2k to £900 on my parents policy.

1.9D Citroen Xsara

Hope you don't mind me asking but how old are you and how many years ncb do you have?

[manderton]

(Original post by Maccees)
Hope you don't mind me asking but how old are you and how many years ncb do you have?

21, and none.

[Maccees]

Ah older than me then, still sounds a lot better though. I must be doing something wrong :s

[Chicharito14]

(Original post by Maccees)
Has this given you any kind of saving?

I looked into it but the quote was Astronomical compared to what I was getting individually with other insurers. I hear young drivers though, (supposedly) insuring cars faster and more expensive than mine (1.6 Astra H).

What quote were you given?

I'm on admiral multi car policy, which i've been on since i got my first car.

[Maccees]

(Original post by Chicharito14)
What quote were you given?

I'm on admiral multi car policy, which i've been on since i got my first car.

About £2300, I've just renewed with Endsleigh though for £990.

[Chicharito14]

(Original post by Maccees)
About £2300, I've just renewed with Endsleigh though for £990.

Ok, can you give me more details about your age, how long you've been driving, info on your policy etc?

I'll try and help you as much as possible!

[Maccees]

(Original post by Chicharito14)
Ok, can you give me more details about your age, how long you've been driving, info on your policy etc?

I'll try and help you as much as possible!

Cool thanks.

I'm 19, 2 years no claims, Full UK license with Pass Plus for 1 year and 11 months (My no claims bonus is from the car I was driving when I was learning so it is 'longer' than the time I have had my full license...if you get me)

Car is a 1.6 3-door Astra H in Black, Fully Comp, £300 excess, Mum as named driver (no convictions or claims, has own car, 20+ years)

[Chicharito14]

(Original post by Maccees)
Cool thanks.

I'm 19, 2 years no claims, Full UK license with Pass Plus for 1 year and 11 months (My no claims bonus is from the car I was driving when I was learning so it is 'longer' than the time I have had my full license...if you get me)

Car is a 1.6 3-door Astra H in Black, Fully Comp, £300 excess, Mum as named driver (no convictions or claims, has own car, 20+ years)

Ok, brilliant.

With admiral, your excess can be put to £1,000 (a lot i know), but it will bring down your insurance massively.

I got insured on a 307, 1.6L 3 months after i passed, for £1900 (quite a lot), but i was fully comp, etc. You name it, i had everything under my name.

Since then, i've had my second quote and i'm paying £900 for my second year of driving (on multi car policy still).

What i can recommend you doing, (if you haven't bought/got your insurance yet), is to ring up admiral, ask them for a quote on multi car policy, with you main driver etc fully comp. If that 'new' quote they say is around £2k or whatever, ask them to put your voluntary excess to £1,000. Get one parent on your car as named driver too.

This will bring it down a fair bit. The only downside is just be extra careful whilst driving! I pay £600 for my voluntary excess, so my insurance has effectively gone down £1,300 after the first year.

It might make sense to get your parents to speak to admiral, as they'll be more inclined to give you an expensive quote, and mug you off.

I remember the lowest quote i was getting was £3k for my insurance. I know £1,900 is expensive, but it has fallen down significantly, to a more reasonable price (still debatable!)

So just try and see if putting your excess to £1,000, will bring your quote lower than the £900 odd you have got at the other insurance company, and see how it goes.

[Maccees]

(Original post by Chicharito14)
Ok, brilliant.

With admiral, your excess can be put to £1,000 (a lot i know), but it will bring down your insurance massively.

I got insured on a 307, 1.6L 3 months after i passed, for £1900 (quite a lot), but i was fully comp, etc. You name it, i had everything under my name.

Since then, i've had my second quote and i'm paying £900 for my second year of driving (on multi car policy still).

What i can recommend you doing, (if you haven't bought/got your insurance yet), is to ring up admiral, ask them for a quote on multi car policy, with you main driver etc fully comp. If that 'new' quote they say is around £2k or whatever, ask them to put your voluntary excess to £1,000. Get one parent on your car as named driver too.

This will bring it down a fair bit. The only downside is just be extra careful whilst driving! I pay £600 for my voluntary excess, so my insurance has effectively gone down £1,300 after the first year.

It might make sense to get your parents to speak to admiral, as they'll be more inclined to give you an expensive quote, and mug you off.

I remember the lowest quote i was getting was £3k for my insurance. I know £1,900 is expensive, but it has fallen down significantly, to a more reasonable price (still debatable!)

So just try and see if putting your excess to £1,000, will bring your quote lower than the £900 odd you have got at the other insurance company, and see how it goes.

A £1000 excess sounds a bit dangerous for me haha, I'll give it a try though and see what quote I get back

[Herr]

(Original post by Maccees)
A £1000 excess sounds a bit dangerous for me haha, I'll give it a try though and see what quote I get back

Don't crash then

Anyway for the most part I've found that the Admiral Multi-Car policy only works to the advantage of those who are deemed to be of a low-risk, once you have a bad post-code or a young driver with a high risk car then savings become negligible. You will also need to add named drivers to the policy to reduce your premiums, usually for it to make any difference it needs at least 2 older age drivers with 5 or more years NCB.

[JC.]

Never had a very good quote from them.
Mind you, my cars are only about 100 quid each fully comp anyway.

[CurlyBen]

I looked into it, and it worked out near enough as the price of taking out separate policies with them! I'm not excessively high risk either, no points, 7 years experience, 6 years NCB. I was covered by them a while ago, but cancelled it when they wanted silly money to change the car insured. Even with the £50 cancellation fee, taking out a new policy with another company worked out about £80 more but for 6 months more cover.

[gbduo]

Don't. If you crash, it comes back and bites every driver on that policy in the ass and is not any cheaper than shopping around.