As a new Driver how much did you pay for Insurance?

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mxcvii
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#1
Report Thread starter 6 years ago
#1
I'm 18 and live In a high risk area. on an average car my insurance is £5000 yearly.

Please explain how much you payed and how old you were. Just fill in the form below.
For the "area'' Section Put down where you lived when you got insured the first time like London, Manchester, Glasgow etc. For age put down how old you were when you got insured are first time. For ''other'' Put down anything else you think I should know. for "when'' Put which year you first got insured.
Remember this is for when you were a new driver.

Car :
Insurance type :
Insurance cost :
Area :
Age:
When:
Other :
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Camoxide
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#2
Report 6 years ago
#2
Car : Nissan Micra
Insurance type : Black box fully comp
Insurance cost : £860
Area : Plymouth
Age: 18
When: 2 years ago
Other : 2 parents on as named drivers
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live_a_life
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#3
Report 6 years ago
#3
Car : Ford Fiesta 1.25L Freestyle (2002)
Insurance type : Fully Comprehensive
Insurance cost : £1400
Area : Oxfordshire
Age : 17
When : 3 years ago
Other : Wasn't the main driver, I was a named driver under my parents' policy for the first year. I became the main driver the following year and it was £500.
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mxcvii
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#4
Report Thread starter 6 years ago
#4
(Original post by live_a_life)
Car : Ford Fiesta 1.25L Freestyle (2002)
Insurance type : Fully Comprehensive
Insurance cost : £1400
Area : Oxfordshire
Age : 17
When : 3 years ago
Other : Wasn't the main driver, I was a named driver under my parents' policy for the first year. I became the main driver the following year and it was £500.
£500 a year or £1400 + £500. If it's £500 then that's cheap for your age.
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live_a_life
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#5
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#5
(Original post by mxcvii)
£500 a year or £1400 + £500. If it's £500 then that's cheap for your age.
£500 for 10 months. Forgot to mention that, sorry!
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Beizs
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#6
Report 6 years ago
#6
Are you interested in people looking at insurance, too? I assume it's just the general price you're interested in.

Car : Peugeot 306 1.9L D Turbo (Adding in a tracker, non standard alarm and remote immobilizer. No other modifications. I was hoping to do up the interior, but even just upholstery would add a few hundred to my insurance) 1998 5 door hatchback model, so the value of the vehicle is only around £350, with the excess at £300 (£100 mandatory, £200 voluntary).

Insurance type : Comp

Insurance cost : £2,400 (The absolute cheapest I have found so far, with black box. No black box is around £300 more. Not done a tonne of looking, so may be a little cheaper) - may be slightly less if I requote via phone, according to insurers websites. My dad's considering moving insurers to get a multi-car discount though, as I have a twin, who is looking to get the same car as me. Will update if it's a substantial difference.

Area :
Calne (Wiltshire); it's a pretty small town, and fairly quiet, though the only parking I have available is a public car park right behind my house.


Age:
16 at the moment, 17 on quote. (Have also put down to have just passed, though with pass plus.)


When:
Current.


Other :
Dad, who has been driving for 45 years, as an extra driver. Considering adding a couple family friends too, who are also good drivers (have a 3 extra drivers max) depending on how it affects the cost, but the current cost posted is just with the one.
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mxcvii
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#7
Report Thread starter 6 years ago
#7
Does adding named driver that have experience reduce the cost of insurance?
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Beizs
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#8
Report 6 years ago
#8
(Original post by mxcvii)
Does adding named driver that have experience reduce the cost of insurance?
I believe so. Been told it's fairly common knowledge. :P I didn't know though. It's completely legal too, even if they never actually drive the thing, apparently.

Females are also better. So, if you can get your mum, your aunt and your gran to agree to be named drivers, I'd assume you'd see some improvements (as long as they have good driving records, that is!) Of course, as ever, depends on the insurer. I've been told it's a lot, which, if it is, with my dad on it who has been driving for 45 years and has never been caught committing a motoring offense, I'd hate to see what mine would be like without him on it. Already having to consider going for the 1.4 petrol version instead...

When I add try adding the family friends, I'll try to remember to come back here and say if I see a difference from having multiple ones, too. Just too worn out to go through all the hassle again right now.
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Alfissti
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#9
Report 6 years ago
#9
Car : 83 Austin Metro 1.0L
Insurance type : Full
Insurance cost : £240
Area : Cumnor Hill, Oxfordshire.
Age: 17-19
When: 1993
Other : I had my then girlfriend as a named driver.

Oh yeah we thought it was extortionate
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MrWhosane
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#10
Report 6 years ago
#10
Car : Vectra 2.0 DTi

Insurance type : Fully comp

Insurance cost : £600

Area : West Midlands

Age: 17

When: 2 years ago (nearly)

Other :


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mxcvii
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#11
Report Thread starter 6 years ago
#11
Everyone lives in Oxfordshire lol and the insurance is super cheap there.
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Iqbal007
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#12
Report 6 years ago
#12
Car : 2002 VW Polo
Insurance type :Fully Comp
Insurance cost :£1500(first year with box), currently £700 without box
Area :Central London
Age:21
When:2 years
Other : Had 2 others as named drivers
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Beizs
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#13
Report 6 years ago
#13
(Original post by MrWhosane)
Car : Vectra 2.0 DTi

Insurance type : Fully comp

Insurance cost : £600

Area : West Midlands

Age: 17

When: 2 years ago (nearly)

Other :


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Damn, who were you insured with & were you on multi car discount?

£600 seems incredible to me.
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live_a_life
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#14
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#14
(Original post by Beizs)
Damn, who were you insured with & were you on multi car discount?

£600 seems incredible to me.
Seems impossible to me but maybe he got very, very fortunate.


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MrWhosane
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#15
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#15
(Original post by live_a_life)
Seems impossible to me but maybe he got very, very fortunate.


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You speak as if it's down to luck.

Cheap insurance is available if you know where to look and how to go about it.

Paying £450 atm and I'm 19 with 0 NCB. With Allianz.


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Camoxide
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#16
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#16
(Original post by Beizs)
I believe so. Been told it's fairly common knowledge. :P I didn't know though. It's completely legal too, even if they never actually drive the thing, apparently.

Females are also better. So, if you can get your mum, your aunt and your gran to agree to be named drivers, I'd assume you'd see some improvements (as long as they have good driving records, that is!) Of course, as ever, depends on the insurer. I've been told it's a lot, which, if it is, with my dad on it who has been driving for 45 years and has never been caught committing a motoring offense, I'd hate to see what mine would be like without him on it. Already having to consider going for the 1.4 petrol version instead...

When I add try adding the family friends, I'll try to remember to come back here and say if I see a difference from having multiple ones, too. Just too worn out to go through all the hassle again right now.
This shouldnt have any effect on the insurance.

My dad brings down the cost as a named driver more than my mum does.
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tígertíger
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#17
Report 6 years ago
#17
Car: Vauxhall Corsa 1.0L (about 20yrs old)
Insurance type: fully comp
Insurance cost: £2200
Area: Lincolnshire
Age: 19
When: 2012
Other: My partner was the main driver, this was within his first year of driving with me added as a learner. On his own it would have cost £4000.
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xmertic
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#18
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#18
(Original post by mxcvii)
I'm 18 and live In a high risk area. on an average car my insurance is £5000 yearly.

Please explain how much you payed and how old you were. Just fill in the form below.
For the "area'' Section Put down where you lived when you got insured the first time like London, Manchester, Glasgow etc. For age put down how old you were when you got insured are first time. For ''other'' Put down anything else you think I should know. for "when'' Put which year you first got insured.
Remember this is for when you were a new driver.

Car :
Insurance type :
Insurance cost :
Area :
Age:
When:
Other :
Car : Renault Clio, 16V 1.2
Insurance type : Full comp (I think)
Insurance cost : £1500
Area : Lancashire
Age: 19
When: Don't really understand this bit, but on my 19th birthday in March of this year is when I first got insured!
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mattcam94
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#19
Report 6 years ago
#19
2005 Clio 1.2
2013
18 at the time
Cheshire/Warrington
2900 fully comp with blackbox


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ruthlessv
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#20
Report 6 years ago
#20
Car : Micra Visia 1.2 58 plate
Insurance type : fully comp + telematics
Insurance cost : £809.72
Area : Bradford
Age: 18
When: a week ago
Other : not even lying.
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