What am I doing wrong?

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    First and foremost little background:

    I'm a uni student, I live roughly 25 miles away from my uni, and my train costs £13 a day. After a year of train journeys I couldn't be bothered paying such a ridiculous cost, and I decided to do my car license over the summer and get a small 1.0 litre engine car.

    Now, I went to a few websites to do some quotes, and the results are ridiculous.

    Cheapest is £6000 with a box, and without is £9000.

    Surely this is wrong.
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    (Original post by Tastarimutu)
    First and foremost little background:

    I'm a uni student, I live roughly 25 miles away from my uni, and my train costs £13 a day. After a year of train journeys I couldn't be bothered paying such a ridiculous cost, and I decided to do my car license over the summer and get a small 1.0 litre engine car.

    Now, I went to a few websites to do some quotes, and the results are ridiculous.

    Cheapest is £6000 with a box, and without is £9000.

    Surely this is wrong.
    Even if you're in London that's way too high. I was insured on a 1.6 for £1200 then it dropped to £750 after 1 years NCB
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    (Original post by Themini)
    Even if you're in London that's way too high. I was insured on a 1.6 for £1200 then it dropped to £750 after 1 years NCB
    Am I filling in the details incorrectly? Because this is absolutely insane, I just did it again, and it's telling me its 8k to 12k a year for a 2003 corsa 1.2l

    The cover is: Third Party with theft
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    (Original post by Tastarimutu)
    Am I filling in the details incorrectly? Because this is absolutely insane, I just did it again, and it's telling me its 8k to 12k a year for a 2003 corsa 1.2l

    The cover is: Third Party with theft
    Go for fully comprehensive and then put in £100 voluntary contribution and reduce annual mileage to 4000 miles.
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    (Original post by Themini)
    Go for fully comprehensive and then put in £100 voluntary contribution and reduce annual mileage to 4000 miles.
    I will try doing that now! I put 20.000 miles a year, but I guess there's no way for them to actually check right? and also I put £0 voluntary contribution! I will get back to you in a sec!
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    (Original post by Themini)
    Go for fully comprehensive and then put in £100 voluntary contribution and reduce annual mileage to 4000 miles.
    Did what you said, and the cheapest one is £2600 with ingenie but that's with a box fitted which is a bummer, and without is £5000.
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    (Original post by Tastarimutu)
    I will try doing that now! I put 20.000 miles a year, but I guess there's no way for them to actually check right? and also I put £0 voluntary contribution! I will get back to you in a sec!
    Never do that again... a bit of common sense please. And yes they can check and estimate your average annual miles eventually. Don't bother with more than 10K miles, you won't do that many. But don't also go too low, if you frequently go over the limit then notify your insurance company, ideally before they find out via other means - your MOT for example. I doubt 4K is enough... use a calculator and also factor in the occasional long distance travels for your final estimation. A number of quote comparison sites actually have built-in calculators specialised for annual mileage estimates so consider using them.

    I wouldn't recommend a box either, but in your case it sounds like you need one for the sake of other road users.

    Add a minimum of £250 to the excess/voluntary contribution.

    If you're going fully comprehensive, add your parents as named drivers - which may bring the cost down significantly.

    Try both comprehensive cover, the price difference may not be a big as you thought.

    Once you've got the lowest quote, ring up the company and negotiate with them for an even lower price - it works if you are firm and persistent enough.
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    (Original post by Tastarimutu)
    Did what you said, and the cheapest one is £2600 with ingenie but that's with a box fitted which is a bummer, and without is £5000.
    I'm still with ingenie. Pretty good company and it will prevent you from crashing. Btw do you live in a high crime area/ large city with a history of fraud/ car theft/ crash for cash like Birmingham? 2600 is still too much.
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    (Original post by Tastarimutu)
    I just did it again, and it's telling me its 8k to 12k a year for a 2003 corsa 1.2l
    There be your problem. Corsas are prime boy racer territory. You have also just discovered that driving is not necessarily cheaper.

    You need to source a seriously uncool, but cheap to repair car and live in a low crime area like "the middle of no where" if you want affordable insurance. The other way it to buy a new car that has insurance as part of the deal.

    Good luck!
 
 
 
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