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    (Original post by Original Legend)
    How old are you?
    In Year 13.
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    (Original post by TheBritishBloke)
    I've got a brand new Citroën DS3 1.6 DStyle+; and I'd encourage anyone else to do the exact same thing I did for a first car! (18+)

    Get it on a PCP, try different dealerships for different deals; but I put £999 down, then it's £199/Month for 2 years. Cracking car with lots of kit, and my insurance was £1.6k!
    Is your insurance 3rd party or full?
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    (Original post by Mess.)
    Is your insurance 3rd party or full?
    Fully Comp on my Sister's policy; but I'll be taking out my own policy next year with the same insurance company and they're giving me a years no claims.
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    (Original post by TheBritishBloke)
    Fully Comp on my Sister's policy; but I'll be taking out my own policy next year with the same insurance company and they're giving me a years no claims.
    Ah good, was wondering why it was so cheap. For some pathetic 1l thing my insurance was looking at being around £3000 :rolleyes:
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    (Original post by Mess.)
    Ah good, was wondering why it was so cheap. For some pathetic 1l thing my insurance was looking at being around £3000 :rolleyes:
    Yeah, I can't wait until the 21st December when the whole men/women equal insurance comes in. I got quoted £6k on my own, or £1.8k on my own if I chopped my penis off.
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    (Original post by TheBritishBloke)
    Yeah, I can't wait until the 21st December when the whole men/women equal insurance comes in. I got quoted £6k on my own, or £1.8k on my own if I chopped my penis off.
    Interesting :beard: Didn'r realise that was when the insurance was going to change. I should have my test passed around November so will just put off buying a car and insurance until January.
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    (Original post by Mess.)
    Interesting :beard: Didn'r realise that was when the insurance was going to change. I should have my test passed around November so will just put off buying a car and insurance until January.
    Well that's the deadline date for it to change; there was a rumour going around saying that it'd change on January 1st 2012, but now they just have to make it law on or before 21st December 2012.
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    (Original post by Mess.)
    Interesting :beard: Didn'r realise that was when the insurance was going to change. I should have my test passed around November so will just put off buying a car and insurance until January.
    You do realise the price isn't dropping for guys, only going up for women?
    So there isn't much point in waiting, it will still be the same price if you are male.
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    (Original post by redferry)
    You do realise the price isn't dropping for guys, only going up for women?
    So there isn't much point in waiting, it will still be the same price if you are male.
    I understand that but there might be some places that do drop their prices depending on certain factors so it is best to wait and check as I'll more than likely be paying a fortune anyway :dontknow:
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    (Original post by TheBritishBloke)
    Yeah, I can't wait until the 21st December when the whole men/women equal insurance comes in. I got quoted £6k on my own, or £1.8k on my own if I chopped my penis off.
    i very much doubt u have one considering the car you drive
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    (Original post by Mess.)
    I understand that but there might be some places that do drop their prices depending on certain factors so it is best to wait and check as I'll more than likely be paying a fortune anyway :dontknow:
    Why would an insurance company drop their prices when they could just make more money off the back of it?

    I would suggest going to a company that installs a box in your car to monitor your driving, that is the best way to cut costs.
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    (Original post by TheBritishBloke)
    Yeah, I can't wait until the 21st December when the whole men/women equal insurance comes in. I got quoted £6k on my own, or £1.8k on my own if I chopped my penis off.
    I will also point you to the fact costs for men aren't going to go down, costs for women are just going to go up. So not much point in waiting really. Sorry to dash your hopes...
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    (Original post by redferry)
    Why would an insurance company drop their prices when they could just make more money off the back of it?

    I would suggest going to a company that installs a box in your car to monitor your driving, that is the best way to cut costs.
    I don't know as I don't work in insurance (yet) but there might be potential to entice more people by offering slightly less due to 'x'. The box thing is what managed to get my insurance down to £3000. The costs are pathetic, I live in a low risk area and will be working in a low risk job. I am also not an 18 year old moron trying to show off to other moronic friends.

    Then again, this is just derailing this thread
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    (Original post by Mess.)
    I don't know as I don't work in insurance (yet) but there might be potential to entice more people by offering slightly less due to 'x'. The box thing is what managed to get my insurance down to £3000. The costs are pathetic, I live in a low risk area and will be working in a low risk job. I am also not an 18 year old moron trying to show off to other moronic friends.

    Then again, this is just derailing this thread
    Yes but unfortunately a lot of male drivers are. My insurance is still sky high and I'm female and over 21 now. And I drive a KA worth about 100 quid. It's an absolute joke. As fast as it should be going down with time the cost of insurance is rising.


    Back onto the thread topic - second hand ford KA, best first car I could have asked for, and mega cheap too, especially on fuel costs (not to mention very reliable AND you can actually fit 5 dive cylinders in the boot).
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    (Original post by redferry)
    I will also point you to the fact costs for men aren't going to go down, costs for women are just going to go up. So not much point in waiting really. Sorry to dash your hopes...
    I thought they said something like women's will go up by 80% of the difference and ours will come down by like 20% (which just means the insurance companies will make even more profit than before).

    (Original post by bad8oy)
    i very much doubt u have one considering the car you drive
    Jealous much?
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    Seems to be a prediction that female insurance will go up 25% and male will drop by 10% :beard:
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    (Original post by moviebuffateer)
    you aint got anything, it is your sisters

    http://www.thestudentroom.co.uk/show...106&highlight=
    Well clearly you're an imbecile, it's my car, I pay for it, but it's in her name as I otherwise wouldn't be able to afford the insurance.
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    (Original post by TheBritishBloke)
    I thought they said something like women's will go up by 80% of the difference and ours will come down by like 20% (which just means the insurance companies will make even more profit than before).

    Nope they're just going to put the womens up so it is in line with the mens. So even more profit than in your scenario, and a lose lose situation for all...hooray -_-


    Also why did you get a new car as your first car?? So expensive! o_O
    Mine was less than a grand and its been brilliant.
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    (Original post by redferry)
    Nope they're just going to put the womens up so it is in line with the mens. So even more profit than in your scenario, and a lose lose situation for all...hooray -_-


    Also why did you get a new car as your first car?? So expensive! o_O
    Mine was less than a grand and its been brilliant.
    Because I'd seen the amount of problems my sister had with getting a sub-£1k car as her first car. It cost more to get it past it's MOT than it was worth; whereas doing it the way I have I've got a warranty, 3 years free servicing, free AA breakdown cover and a car where everything actually works haha.

    I used to drive my sisters car and thought it was a good little runner, I've only had my new car a week; but when I got into my sisters car yesterday to move it off the drive, it was absolutely horrible in comparison. The clutch was really heavy, it whined, the gearbox was clunky; ugh.

    All-in-all, at the end of the 2 years this car will have cost me £6k, but I'm getting a heck of a lot more car for my money; so I'm happy
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    (Original post by TheBritishBloke)
    Well clearly you're an imbecile, it's my car, I pay for it, but it's in her name as I otherwise wouldn't be able to afford the insurance.
    I don't know why people keep challenging you with that car, they're Fiesta money - if you had a Fiesta people wouldn't be saying anything.

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