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Cheap Car Insurance: Guide and FAQ
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Original post by stephaniehollyx
Citroen C1...
£800 for me, first time driver
x
£800 for me, first time driver
xMines is £1200. 18 male, First Time driver, licence for 18 months, zero NCB, on a Yaris 1.0L, with Admiral/Elephant.
You have to wait till your license is a year or two old to get cheaper insurance
This was posted from The Student Room's iPhone/iPad App
This was posted from The Student Room's iPhone/iPad App
If you're 17 or 18, you will never find a £1,500 quote for those cars. When I started driving my 1.0 Corsa, the cheapest quote I had was £3,600.
Check what your cover includes as not always is third party cheaper than fully comp
This was posted from The Student Room's iPhone/iPad App
This was posted from The Student Room's iPhone/iPad App
Original post by Rhysuzaki
If you're 17 or 18, you will never find a £1,500 quote for those cars. When I started driving my 1.0 Corsa, the cheapest quote I had was £3,600.
Im 18 and i got a quote for £1200 fully comp on a Corsa & Yaris 1.0L. Licence is 18 months old.
Hi,
I really want to get myself a 2002-2005 Mercedes C230 / C180 (below 2.0l) as my first car but have been struggling to get quotes below £3,500 which is the max I am prepared to spend on insurance. I've tried Co-Op Young Drivers but they won't insure a vehicle in that car group along with a few other insurers. The one's that are prepared to insure me in that vehicle are quoting me for £4,800 at the very cheapest (Bell from Admiral). This is with my parents as additional drivers (one with 10 years and the other with 20+years driving experience with no claims or convictions).
I realise I'll probably get responses such as "what did you expect?", "do you really need this car?, get a Micra/Corsa/ Peugeot 206 etc" and the like, together with a few negs
but I thought I may as well invest in a 'decent' car and use it for the next few years and ask whether anyone knows of any insurers which may be able to quote something cheaper than what I am getting quoted.
I don't mind having a telematics box installed or any particular limitations, so long as I'm insured. I've tried quotes with just my mum (but excluding me) and the cheapest quote she has got was £830.
If anyone knows of any insurers that are prepared to insure me on a vehicle of that group and can point me to some names, I would really appreciate it. Perhaps there are small independent insurers specialising in young driver insurance for vehicles in such car groups that I may not be aware of and can try that someone can recommend.?
Thank you
I really want to get myself a 2002-2005 Mercedes C230 / C180 (below 2.0l) as my first car but have been struggling to get quotes below £3,500 which is the max I am prepared to spend on insurance. I've tried Co-Op Young Drivers but they won't insure a vehicle in that car group along with a few other insurers. The one's that are prepared to insure me in that vehicle are quoting me for £4,800 at the very cheapest (Bell from Admiral). This is with my parents as additional drivers (one with 10 years and the other with 20+years driving experience with no claims or convictions).
I realise I'll probably get responses such as "what did you expect?", "do you really need this car?, get a Micra/Corsa/ Peugeot 206 etc" and the like, together with a few negs
but I thought I may as well invest in a 'decent' car and use it for the next few years and ask whether anyone knows of any insurers which may be able to quote something cheaper than what I am getting quoted.I don't mind having a telematics box installed or any particular limitations, so long as I'm insured. I've tried quotes with just my mum (but excluding me) and the cheapest quote she has got was £830.
If anyone knows of any insurers that are prepared to insure me on a vehicle of that group and can point me to some names, I would really appreciate it. Perhaps there are small independent insurers specialising in young driver insurance for vehicles in such car groups that I may not be aware of and can try that someone can recommend.?
Thank you
If you check out some Mercedes owners forums, there may be some insurance companies on there that offer special deals for users of that site. They're usually smaller, independent firms that offer quotes solely to a specific market. Seen similar things on a few forums, the companies operate under the assumption that if someone is a user of that site, they'll more often than not be a car enthusiast who would take more care in looking after their car and in the way that they drive thus less likely to be a boy racer who'll crash their car and need to claim.
That said, "do you really need this car"?
There's smaller, more insurable cars available that meet your decent criteria that you can use for a few years. Golf/Civic/Leon/Focus/1 Series/other large-ish hatchback etc
That said, "do you really need this car"?
There's smaller, more insurable cars available that meet your decent criteria that you can use for a few years. Golf/Civic/Leon/Focus/1 Series/other large-ish hatchback etc
You've got your whole life to get a good car. It would be better to just have a little run around for now. Anyway, you know this so I won't go on.
Try insure the box- they do the tracker boxes too. They were about £1.5k cheaper than the co-op for me.
Try insure the box- they do the tracker boxes too. They were about £1.5k cheaper than the co-op for me.
Original post by Hustler-1337
Hi,
I really want to get myself a 2002-2005 Mercedes C230 / C180 (below 2.0l) as my first car but have been struggling to get quotes below £3,500 which is the max I am prepared to spend on insurance.
I really want to get myself a 2002-2005 Mercedes C230 / C180 (below 2.0l) as my first car but have been struggling to get quotes below £3,500 which is the max I am prepared to spend on insurance.
good luck getting any below your absurdly high £3500 limit - the fact it's a merc, quite new, a desirable car they will bend you over and go to town on you.
I thought I may as well invest in a 'decent' car and use it for the next few years
you'd be far better off investing in an older car, as a newer merc doesn't necessarily make it a 'decent' car.
I'd recommend an old diesel from between 99-01 without a turbo, which whilst being a bit slow off the mark, will net 39mpg+ quite easily and those engines were built like tanks.
think of it like this - you're got the initial outlay for the purchase of the merc, at probably around £4-6k + insurance, let's take your £3.5k max for first year, and assume £500 off each subsequent 1-year NCD.
first year will be £9.5k alone, and then £3k for next so £12.5k for 2 years on the road excluding tax, servicing, possible tyre replacements, fuel - and let's be honest you could end up whacking it into a wall or similar so repairs for that as well or even write it off. . .
you could get an older car for under £1k, an even better one for under £3k and only pay £1.5-2k insurance for first year so you'd be looking at just under £7k for 2 years.
I know which makes more sense to me
Thanks for the replies guys.
That's actually not a bad idea. I've had a look at a few Mercedes owners forums and i've found a couple which offer discounts for Mercedes owners, but they seem to require that you are a member of the Mercedes Owners Club, which I'm not a part of and assume you'd have to pay, but I'll keep looking and see what sort of discounts they give.
I've tried Insure the Box a few times and they've quoted me in excess of £6,300
I wouldn't regard a 10 year old Mercedes as 'quite new' (partly my fault for mentioning 2005 in OP). The car costs circa £2,500, not the £4-6k you are saying it would cost so it's pretty cheap in my opinion. I'm not interested in a turbo or higher powered vehicle, just a simple 2002 C230 or C180 1.8l like these. Neither am I interested in modifying it etc, I'm not one of those boy racer types, but that's irrelevant
ANyways, the total cost would come to about £7k for the first year excluding maintenance and fuel etc. It's certainly expensive for my budget and by no means cheap, it's just that I'm a bit annoyed at being able to afford the car but not the ridiculous insurance prices I'm being quoted and was just wondering if anyone knew any insurers that might be able to insure the vhichle for relatovely cheaper than the others, hence the post.
I think I just need to come to terms that I won't be able to get insurance below £4k for a car that I would have liked to own and could afford.
Original post by Flat
If you check out some Mercedes owners forums, there may be some insurance companies on there that offer special deals for users of that site. They're usually smaller, independent firms that offer quotes solely to a specific market. Seen similar things on a few forums, the companies operate under the assumption that if someone is a user of that site, they'll more often than not be a car enthusiast who would take more care in looking after their car and in the way that they drive thus less likely to be a boy racer who'll crash their car and need to claim.
That said, "do you really need this car"? There's smaller, more insurable cars available that meet your decent criteria that you can use for a few years. Golf/Civic/Leon/Focus/1 Series/other large-ish hatchback etc
That said, "do you really need this car"?
There's smaller, more insurable cars available that meet your decent criteria that you can use for a few years. Golf/Civic/Leon/Focus/1 Series/other large-ish hatchback etcThat's actually not a bad idea. I've had a look at a few Mercedes owners forums and i've found a couple which offer discounts for Mercedes owners, but they seem to require that you are a member of the Mercedes Owners Club, which I'm not a part of and assume you'd have to pay, but I'll keep looking and see what sort of discounts they give.
Original post by Runninground
You've got your whole life to get a good car. It would be better to just have a little run around for now. Anyway, you know this so I won't go on.
Try insure the box- they do the tracker boxes too. They were about £1.5k cheaper than the co-op for me.
Try insure the box- they do the tracker boxes too. They were about £1.5k cheaper than the co-op for me.
I've tried Insure the Box a few times and they've quoted me in excess of £6,300
Original post by manderton
good luck getting any below your absurdly high £3500 limit - the fact it's a merc, quite new, a desirable car they will bend you over and go to town on you.
you'd be far better off investing in an older car, as a newer merc doesn't necessarily make it a 'decent' car.
I'd recommend an old diesel from between 99-01 without a turbo, which whilst being a bit slow off the mark, will net 39mpg+ quite easily and those engines were built like tanks.
think of it like this - you're got the initial outlay for the purchase of the merc, at probably around £4-6k + insurance, let's take your £3.5k max for first year, and assume £500 off each subsequent 1-year NCD.
first year will be £9.5k alone, and then £3k for next so £12.5k for 2 years on the road excluding tax, servicing, possible tyre replacements, fuel - and let's be honest you could end up whacking it into a wall or similar so repairs for that as well or even write it off. . .
you could get an older car for under £1k, an even better one for under £3k and only pay £1.5-2k insurance for first year so you'd be looking at just under £7k for 2 years.
I know which makes more sense to me
you'd be far better off investing in an older car, as a newer merc doesn't necessarily make it a 'decent' car.
I'd recommend an old diesel from between 99-01 without a turbo, which whilst being a bit slow off the mark, will net 39mpg+ quite easily and those engines were built like tanks.
think of it like this - you're got the initial outlay for the purchase of the merc, at probably around £4-6k + insurance, let's take your £3.5k max for first year, and assume £500 off each subsequent 1-year NCD.
first year will be £9.5k alone, and then £3k for next so £12.5k for 2 years on the road excluding tax, servicing, possible tyre replacements, fuel - and let's be honest you could end up whacking it into a wall or similar so repairs for that as well or even write it off. . .
you could get an older car for under £1k, an even better one for under £3k and only pay £1.5-2k insurance for first year so you'd be looking at just under £7k for 2 years.
I know which makes more sense to me
I wouldn't regard a 10 year old Mercedes as 'quite new' (partly my fault for mentioning 2005 in OP). The car costs circa £2,500, not the £4-6k you are saying it would cost so it's pretty cheap in my opinion. I'm not interested in a turbo or higher powered vehicle, just a simple 2002 C230 or C180 1.8l like these. Neither am I interested in modifying it etc, I'm not one of those boy racer types, but that's irrelevant
ANyways, the total cost would come to about £7k for the first year excluding maintenance and fuel etc. It's certainly expensive for my budget and by no means cheap, it's just that I'm a bit annoyed at being able to afford the car but not the ridiculous insurance prices I'm being quoted and was just wondering if anyone knew any insurers that might be able to insure the vhichle for relatovely cheaper than the others, hence the post.
I think I just need to come to terms that I won't be able to get insurance below £4k for a car that I would have liked to own and could afford.
(edited 11 years ago)
Original post by PataynaRolaay
Im 18 and i got a quote for £1200 fully comp on a Corsa & Yaris 1.0L. Licence is 18 months old.
whos that with? I bought Corsa 2004 energy v12 1.0 and now I'm looking for cheap insurance. The cheapest i got so far was 2,4k with admiral/elephant and thats for third party theft n fire. I tried all sort of gocompare and so on websites but i keep getting quotes above 4k there which is mad... I'm 19 with 1 year driving licence but no ncb
Any other insurer which may be cheaper directly?
Original post by Michalux
whos that with? I bought Corsa 2004 energy v12 1.0 and now I'm looking for cheap insurance. The cheapest i got so far was 2,4k with admiral/elephant and thats for third party theft n fire. I tried all sort of gocompare and so on websites but i keep getting quotes above 4k there which is mad... I'm 19 with 1 year driving licence but no ncb
Any other insurer which may be cheaper directly?
Any other insurer which may be cheaper directly?
I bought a Corsa 1.4, insured for £1475 fully comp with elephant.co.uk
I got mine through confused.com. Im 19 now with 18 months driving licence and zero NCB. Mate, it all depends on your postcode risk area. If i type in a south yorkshire adress, it drops down to 750 for the year!
Skoda Fabia 1.2L 2008
£900 year, fully comp
17 years old.
2 months license
0 NCB
LV.com
£900 year, fully comp
17 years old.
2 months license
0 NCB
LV.com
SOMEBODY HELP ME AM I doing something wrong? I want a Polo 1.4 SE (2000-2001) I passed my test on the 18th September and I would like to be the named driver I've been 17 for 4 months? I'm getting insurance quotes for £25,000 What's going on?
I just had a brief look through the MoneySavingExpert guide posted in the OP and wanted to point out some tips which have worked out completely the opposite for me. Apologies if this has already been mentioned but:
1. the guide says to fit a security device to lower premiums. For me: The 'Engine Immobilizer' option was selected under additional security devices, I de-selected this and put it as 'None' and left it as 'Standard' (which is correct for me as my car's security equipment is completely standard). By doing this my premium dropped by £100. Therefore if I were to fit an additional engine immoboliser or if my car had one it'd actually increase the premium. Bizzare.
2. the guide says that parking your car in your drive-way or garage reduces your premium by upto 7%. Myself and pretty much everyone else I have spoken to have found it to be the complete opposite. Putting my car down as 'parked on-street' reduced my premium by £80.
- Another tip is to have yourself as registered owner of the car. Last year this saved me £100. So if you've been gifted a car by parents / siblings make sure you transfer ownership to yourself. (Obviously don't do this if it is not actually your car and it is shared).
- Don't always assume that higher excess will mean lower overall premium. On one website putting my voluntary excess down from 500 to 350 actually lowered my overall insurance price. Bizzare.
BIGGEST tip for lowering your insurance premium is to add older, experienced, named drivers. Two normally is most effective, adding a third normally results in 0 increase or decrease so its a bonus to have them on if you think it's a possibility they may want to use the car at some point (this was what I found in my experience anyway).
1. the guide says to fit a security device to lower premiums. For me: The 'Engine Immobilizer' option was selected under additional security devices, I de-selected this and put it as 'None' and left it as 'Standard' (which is correct for me as my car's security equipment is completely standard). By doing this my premium dropped by £100. Therefore if I were to fit an additional engine immoboliser or if my car had one it'd actually increase the premium. Bizzare.
2. the guide says that parking your car in your drive-way or garage reduces your premium by upto 7%. Myself and pretty much everyone else I have spoken to have found it to be the complete opposite. Putting my car down as 'parked on-street' reduced my premium by £80.
- Another tip is to have yourself as registered owner of the car. Last year this saved me £100. So if you've been gifted a car by parents / siblings make sure you transfer ownership to yourself. (Obviously don't do this if it is not actually your car and it is shared).
- Don't always assume that higher excess will mean lower overall premium. On one website putting my voluntary excess down from 500 to 350 actually lowered my overall insurance price. Bizzare.
BIGGEST tip for lowering your insurance premium is to add older, experienced, named drivers. Two normally is most effective, adding a third normally results in 0 increase or decrease so its a bonus to have them on if you think it's a possibility they may want to use the car at some point (this was what I found in my experience anyway).
Original post by yorkshire.lad
Skoda Fabia 1.2L 2008
£900 year, fully comp
17 years old.
2 months license
0 NCB
LV.com
£900 year, fully comp
17 years old.
2 months license
0 NCB
LV.com
How I passed 3 days ago and I am getting insurance quotes for £25,000?! please help
Original post by Psalm347
How I passed 3 days ago and I am getting insurance quotes for £25,000?! please help
I'm a named driver on my dad's insurance. He has 25+ year NCB and my mums also on there with 25+ years NCB so I guess it lowers the risk significantly. And he haggled with them on the phone lol.
Original post by yorkshire.lad
I'm a named driver on my dad's insurance. He has 25+ year NCB and my mums also on there with 25+ years NCB so I guess it lowers the risk significantly. And he haggled with them on the phone lol.
I added my mothers 17 years ncb and it comes up with the same results?!
Original post by Psalm347
I added my mothers 17 years ncb and it comes up with the same results?!
It's probably best to get her to ring up the company and talk on the phone. As the cheapest I was getting was 2,000 told my dad to ring them and managed to get it for £900
I have a question about insurance. My brother moved down to London last year and decided to let me use his car when I'd passed my test. The car is therefore registered in his name with the DVLA (however, at this moment in time, it's listed as off-the-road) and it legally belongs to him. If the car was insured in his name, with me listed as a named driver, would this be "fronting"? He often comes up to visit, and so would be using the car then.
From my knowledge, fronting is having the car insured by someone for someone else to use it, i.e the person using the car is not mentioned in the policy. However, in this case, I am mentioned in the policy as a driver.
From my knowledge, fronting is having the car insured by someone for someone else to use it, i.e the person using the car is not mentioned in the policy. However, in this case, I am mentioned in the policy as a driver.
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