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Cheap Car Insurance: Guide and FAQ
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Original post by Motorbiker
http://www.moneysavingexpert.com/insurance/car-insurance-young-drivers
Check out that link for information.
The first advice is to combine confused/money supermarket...
Once you've spent your own time following all the advice on that site then come back here and ask again in this insurance sticky.
More info in another link in the OP as well of general good advice.
Check out that link for information.
The first advice is to combine confused/money supermarket...
Once you've spent your own time following all the advice on that site then come back here and ask again in this insurance sticky.
More info in another link in the OP as well of general good advice.
motor confused: £13347.57 (with electronic box)
tesco: £14,035.42
Original post by 2_plus_X_equal_me
motor confused: £13347.57 (with electronic box)
tesco: £14,035.42
tesco: £14,035.42
wowza....what car?
fiesta 1.2
also tried using tiger car insurance, and never got a single quote. It was all 'we are unable to give you a quote' blah blah
also tried using tiger car insurance, and never got a single quote. It was all 'we are unable to give you a quote' blah blah
Original post by persov
you're not one of those hoodlums that drives round in their hatchbacks with big alloys and a sub with their music on full blast, with the seat as far back is it will go in a vain attempt to look cool are you? 
Na fella. I purchased the car with the mods, it was the best deal at the time. I'd prefer the manufacture's specification - makes sorting out insurance a smoother process. The mods don't really enhance my driving experience.
Right, I have just been through this all so hopefully I will be able to help someone out a bit.
Admiral, Elephant, and Bell are your best bet. All the same company, but try to play them off against each other!
Put your parents / relatives with a good driving record on as named drivers and play about with who takes it down the most.
Limit your mileage if possible.
Do NOT keep the car in a garage. Residential parking area is the cheapest, and driveway is cheap too.
If applicable, say the car has NO security features.
Buy a different car from the usual crap - In my experience a Mondeo is cheaper than a Corsa to insure.
Ignore insurance groups - they mean nothing for young drivers.
Adjust every variable you can think of and see what happens (within reason, don't lie!).
I am 19, licence since 17, 1 years NCD, and drive a BMW E46 328i and insure it for a nice 3 figure sum
Note - these were the most effective methods for me, with my details. It may well be different for you, so don't take it as gospel!
Good luck
Admiral, Elephant, and Bell are your best bet. All the same company, but try to play them off against each other!
Put your parents / relatives with a good driving record on as named drivers and play about with who takes it down the most.
Limit your mileage if possible.
Do NOT keep the car in a garage. Residential parking area is the cheapest, and driveway is cheap too.
If applicable, say the car has NO security features.
Buy a different car from the usual crap - In my experience a Mondeo is cheaper than a Corsa to insure.
Ignore insurance groups - they mean nothing for young drivers.
Adjust every variable you can think of and see what happens (within reason, don't lie!).
I am 19, licence since 17, 1 years NCD, and drive a BMW E46 328i and insure it for a nice 3 figure sum
Note - these were the most effective methods for me, with my details. It may well be different for you, so don't take it as gospel!
Good luck
how much were you paying for your mondy? is the beemer more or less?
wonder why putting No security features would lower the premium? Obviously if the car has a manufactures alarm you have to state this right?
the bit about not a usual young persons car is spot on. People are being stupid falling for the "I have to get a small hatchback with a 1.2 engine because it's a low insurance group". But it's good for those of us that don't drive typical young peoples cars
wonder why putting No security features would lower the premium? Obviously if the car has a manufactures alarm you have to state this right?
the bit about not a usual young persons car is spot on. People are being stupid falling for the "I have to get a small hatchback with a 1.2 engine because it's a low insurance group". But it's good for those of us that don't drive typical young peoples cars
£4k minimum quote on a 1.0L hatchback, third party only, voluntary £500.
Help??
Help??
Original post by Futurdoc
Na fella. I purchased the car with the mods, it was the best deal at the time. I'd prefer the manufacture's specification - makes sorting out insurance a smoother process. The mods don't really enhance my driving experience.
it's cool, was just sorta kidding anyway, those guys are annoying though
Original post by james1211
£4k minimum quote on a 1.0L hatchback, third party only, voluntary £500.
Help??
Help??
try something that's not a 1.0 l hatchback, get older drivers as named drivers, try fully comp
Just browsed this forum. People be getting insurance for like £1.2k etc.
Why the hell am I getting it for £7k? I've got a 1998 Ford Escort which is worth about £250. I don't live in a rough area either...
I checked with all price comparison websites, and I got it cheapest for £7k...
Why the hell am I getting it for £7k? I've got a 1998 Ford Escort which is worth about £250. I don't live in a rough area either...
I checked with all price comparison websites, and I got it cheapest for £7k...
Original post by dd3v
Just browsed this forum. People be getting insurance for like £1.2k etc.
Why the hell am I getting it for £7k? I've got a 1998 Ford Escort which is worth about £250. I don't live in a rough area either...
I checked with all price comparison websites, and I got it cheapest for £7k...
Why the hell am I getting it for £7k? I've got a 1998 Ford Escort which is worth about £250. I don't live in a rough area either...
I checked with all price comparison websites, and I got it cheapest for £7k...
you're not paying to insure the car, you're paying to insurance to cover any harm you might cause to another human being as a result of your driving.
That £7k will make your insurers pay out loss of earnings etc to anyone you injure on the road
What are your details? Such as age, years driving, accident & fine history?
It may seem like an old banger, but unfortunately insurance groups don't get lower as the car ages, so I'm guessing it was maybe a 5 or 6 when it was new, it still will be.
Try elephant.co.uk, also add a couple of named drivers. Women are best, but only if they have been driving at least 15 years and have had no accidents or convictions in the last 5 years. Make sure you say you keep it on the street, it makes it cheaper.
It may seem like an old banger, but unfortunately insurance groups don't get lower as the car ages, so I'm guessing it was maybe a 5 or 6 when it was new, it still will be.
Try elephant.co.uk, also add a couple of named drivers. Women are best, but only if they have been driving at least 15 years and have had no accidents or convictions in the last 5 years. Make sure you say you keep it on the street, it makes it cheaper.
Original post by Elwyn
What are your details? Such as age, years driving, accident & fine history?
It may seem like an old banger, but unfortunately insurance groups don't get lower as the car ages, so I'm guessing it was maybe a 5 or 6 when it was new, it still will be.
Try elephant.co.uk, also add a couple of named drivers. Women are best, but only if they have been driving at least 15 years and have had no accidents or convictions in the last 5 years. Make sure you say you keep it on the street, it makes it cheaper.
It may seem like an old banger, but unfortunately insurance groups don't get lower as the car ages, so I'm guessing it was maybe a 5 or 6 when it was new, it still will be.
Try elephant.co.uk, also add a couple of named drivers. Women are best, but only if they have been driving at least 15 years and have had no accidents or convictions in the last 5 years. Make sure you say you keep it on the street, it makes it cheaper.
I'm 18, got my test on 3rd of May (so I'm doing insurance as I have passed in April).
For some reason, Admirial or Elephant won't let me get a quote on my car.
Insurance group 15 -_-. Even then, 7k is way too much
Original post by dd3v
I'm 18, got my test on 3rd of May (so I'm doing insurance as I have passed in April).
For some reason, Admirial or Elephant won't let me get a quote on my car.
Insurance group 15 -_-. Even then, 7k is way too much
For some reason, Admirial or Elephant won't let me get a quote on my car.
Insurance group 15 -_-. Even then, 7k is way too much
Ah, it's 15 in the new groupings, they changed the way they group cars recently.
It's just a fact that all young drivers have to live with I'm afraid. Insurance is ridiculous, I didn't have my own policy until last week after I'd been driving for 2 years. Maybe a named driver would be the way to go if you aren't going to be the sole user of the car?
Original post by Elwyn
Ah, it's 15 in the new groupings, they changed the way they group cars recently.
It's just a fact that all young drivers have to live with I'm afraid. Insurance is ridiculous, I didn't have my own policy until last week after I'd been driving for 2 years. Maybe a named driver would be the way to go if you aren't going to be the sole user of the car?
It's just a fact that all young drivers have to live with I'm afraid. Insurance is ridiculous, I didn't have my own policy until last week after I'd been driving for 2 years. Maybe a named driver would be the way to go if you aren't going to be the sole user of the car?
I checked that too. Insurance only dropped by £500...
Original post by dd3v
I checked that too. Insurance only dropped by £500...
I don't know what else to suggest :/
It's terrible how much young drivers are made to pay. Take comfort in the fact that after 2 years of driving it gets significantly cheaper. Mine's less than £1000 on a sporty car.
Try the cooperative young driver scheme or any other company that actively monitors driving style.
Is the £7k quote for fully comprehensive insurance of third party fire and theft?
Don't know if this helps but when i was looking to get insured for the first time was getting quotes for 8-9k. Tried putting my sister as the primary driver and me as a secondary and it dropped to 3.9k. Could get away with it at the time as i was living with her and she did sometimes drive it so if your still at home you could try that with one of your parents.
Get quotes off everyone you can find. Do comparethemarket, gocompare, confused, moneysupermarket and then look for the companies who don't use them such as Directline.
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