Best Cheap Car Insurance For Young Drivers Without a Black Box? How much do you pay?

Original post by bad_moose

I was with Tesco for my first year of driving. It cost me 900 quid to insure a 1.2 VW Polo, but I did have to have a black box. In all honesty though, it made absolutely no difference to my driving. I drove at all hours of the day and night, I drove over the speed limit on motorways, dual carriageways, country roads etc, I had a few incidents where I had to brake very suddenly to avoid hitting people who pulled out in front of me on roundabouts, and none of this ever got picked up by the box. I didn't get a score of less than 80% over all the months I had the box.

I'd just bite the bullet and get one for the first year, it's really hard to find reasonable insurance without one and it doesn't make much difference.

Probably worth mentioning that I'm with Endsleigh now (second year of driving) and they only charged me 500 quid (no black box), so that might work out well for you depending on your car.

I wouldnt touch one with a barge pole.

Reply 6

Aardvark1998

18

Original post by Emma:-)

I wouldnt touch one with a barge pole.

Why not though? It's almost always the cheapest way to get insured when you've just passed, and if you go with the right company it really doesn't change how you drive.

(edited 5 years ago)

Reply 7

Original post by bad_moose

Why not though? It's almost always the cheapest way to get insured when you've just passed, and if you go with the right company it really doesn't change how you drive.

They arent as cheap as people make out- in quite a few cases they are either more expensive or the same price.
They are prone to problems and can be more trouble than they are worth. And its not just little niggles either, big problems with them have been well documented.
And quite a few of the black box companies put restrictions on, such as what times you can use the car, mileage limits etc, which- depending on your circumstances arent possible for some people.

Reply 8

Budz1

14

My daughter found go girl to be reasonable although it depends on the type of car, area you live in, etc.
Hope this helps.

Posted from TSR Mobile

Reply 9

Syed Institute

5

I paid over £1900 for my first year of car insurance, how about you guys? I hear on the news some new drivers are paying £3-4k, surely not I think?

And also out of interest what car do you drive or did drive as your first car?

My first car was a Vauxhall Corsa, the old shape 1.0 litre engine. Never again as long as I live, with 5 people in the car (especially if it were all lads) it was difficult to say the least.

I am ashamed to admit I had a 'mad' sound system. A subwoofer and amp which took up most of the usable boot space, kind of like this but I only had one sub - which was more than enough trust me.

https://www.youtube.com/watch?v=g7DuZKWGZhk

I have moved on since, I do not think my colleagues at my school would approve. However I do still struggle to get insurance as my current car is pretty powerful and most insurers in the UK declined to give me insurance because of my age and car.

What about yourselves?

(edited 5 years ago)

Reply 10

IWMTom

20

Original post by Syed Institute

I paid over £1900 for my first year of car insurance, how about you guys? I hear on the news some new drivers are paying £3-4k, surely not I think?

And also out of interest what car do you drive or did drive as your first car?

My first car was a Vauxhall Corsa, the old shape 1.0 litre engine. Never again as long as I live, with 5 people in the car (especially if it were all lads) it was difficult to say the least.

I am ashamed to admit I had a 'mad' sound system. A subwoofer and amp which took up most of the usable boot space, kind of like this but I only had one sub - which was more than enough trust me.

https://www.youtube.com/watch?v=g7DuZKWGZhk

I have moved on since, I do not think my colleagues at my school would approve. However I do still struggle to get insurance as my current car is pretty powerful and most insurers in the UK declined to give me insurance because of my age and car.

What about yourselves?

1.2l car, first year £2,200 - second year, £1,800.

Reply 11

sek510i

16

One point six litre van cost me £3,000 a year when I first got insurance (rather than being named on somebody else's and practicing their car occasionally). I have a friend who got quoted £5,900 a year for a Ford Transit (with business use)

Reply 12

Shaun2799

1.2tdi VW Polo 2011 £1100 on a 10 month policy with Admiral Littlebox. Isn't unreasonable. Adrian Flux quoted £1600 at the time with no box as well.

17 Years old

Reply 13

martinnmartin

18

1.4 fiesta
1886£
No box
19 years old

Posted from TSR Mobile

Reply 14

Jackieox

First year £800
No box
three people business insurance
1.4 Mini one

Reply 15

Original post by Syed Institute

I paid over £1900 for my first year of car insurance, how about you guys? I hear on the news some new drivers are paying £3-4k, surely not I think?

And also out of interest what car do you drive or did drive as your first car?

My first car was a Vauxhall Corsa, the old shape 1.0 litre engine. Never again as long as I live, with 5 people in the car (especially if it were all lads) it was difficult to say the least.

I am ashamed to admit I had a 'mad' sound system. A subwoofer and amp which took up most of the usable boot space, kind of like this but I only had one sub - which was more than enough trust me.

https://www.youtube.com/watch?v=g7DuZKWGZhk

I have moved on since, I do not think my colleagues at my school would approve. However I do still struggle to get insurance as my current car is pretty powerful and most insurers in the UK declined to give me insurance because of my age and car.

What about yourselves?

My first years insurance was £1060, fully comp. That was 7 years ago though. That was for a 1.2l fiat punto. Never again, it was that unreliable it was unreal. I certainly got my moneys worth out of the AA. It was that bad i ended up getting rid of the car after 6 months for a 1l micra, which turned out to be bomb proof.
My current insurance is £239. I only took that out last month- with the car being a 16 plate micra (ive had a couple of cars between the old micra and this one though).

Reply 16