Hey there! Sign in to join this conversationNew here? Join for free
    • Thread Starter
    Offline

    0
    ReputationRep:
    So I recently passed my test, and i'm trying to find an insurance premium for a car I own (vauxhall astra 1.6l). It will be my first time insuring and driving my own car so I have a few questions:

    if you have been in a similar situation, what company did you use and how did you go about doing it?

    how much should I expect to pay for insurance as a new driver (i'm 20 years old)

    does insuring it in your parent's name, even if they aren't the main driver, have any effect?

    Thank you to anyone who replies
    Offline

    1
    ReputationRep:
    (Original post by mc-ren)
    So I recently passed my test, and i'm trying to find an insurance premium for a car I own (vauxhall astra 1.6l). It will be my first time insuring and driving my own car so I have a few questions:

    if you have been in a similar situation, what company did you use and how did you go about doing it?

    how much should I expect to pay for insurance as a new driver (i'm 20 years old)

    does insuring it in your parent's name, even if they aren't the main driver, have any effect?

    Thank you to anyone who replies
    My Policy are pretty good so go on Compare the Market and they should come up first with a good quote.

    I paid £1200 for mine with a box. Without would be closer to £2000.

    Yes put your parent on the car as well you save around £500 I found.
    • Thread Starter
    Offline

    0
    ReputationRep:
    (Original post by GliderPilotSam)
    My Policy are pretty good so go on Compare the Market and they should come up first with a good quote.I paid £1200 for mine with a box. Without would be closer to £2000.Yes put your parent on the car as well you save around £500 I found.

    How lenient is the box when it comes to driving? for example, if I was going 31 in a 30 limit, would I be penalized for something that insignificant? The car I have is a 1.6l, and I believe the box also tracks acceleration speed, and that's going to be a huge difference to the 1.0 litre car i was learning in
    Offline

    1
    ReputationRep:
    (Original post by mc-ren)
    How lenient is the box when it comes to driving? for example, if I was going 31 in a 30 limit, would I be penalized for something that insignificant? The car I have is a 1.6l, and I believe the box also tracks acceleration speed, and that's going to be a huge difference to the 1.0 litre car i was learning in
    It's not that bad from what my friends say with their box. I'm getting mine on Monday. But the manual says unless your doing like 40 in a 30 or like 90 in a 60 then it will go against you. I was told doing 80 in a 70 is fine but the lower the speed limit the tighter they will be. You'll have to be careful with a 1.6 bit honestly I would think you'd be fine. As long as you don't speed like mad you should be good.
    Offline

    19
    ReputationRep:
    (Original post by mc-ren)
    So I recently passed my test, and i'm trying to find an insurance premium for a car I own (vauxhall astra 1.6l). It will be my first time insuring and driving my own car so I have a few questions:

    if you have been in a similar situation, what company did you use and how did you go about doing it?

    how much should I expect to pay for insurance as a new driver (i'm 20 years old)

    does insuring it in your parent's name, even if they aren't the main driver, have any effect?

    Thank you to anyone who replies
    *Try all the comparison sites to see what you can get.
    *Some compnies such as aviva, direct line and churchill arent on comparison sites, so its always good to give them a try.
    *You can look into black boxes, but they arent always all they cracked up to be.
    * Add your parents as NAMED drivers on YOUR policy. This brings the price down quite a bit. But DO NOT put the policy in your parents name, if its your car and you are the main driver of the car. This is called fronting and is illegal.
    • Thread Starter
    Offline

    0
    ReputationRep:
    (Original post by GliderPilotSam)
    It's not that bad from what my friends say with their box. I'm getting mine on Monday. But the manual says unless your doing like 40 in a 30 or like 90 in a 60 then it will go against you. I was told doing 80 in a 70 is fine but the lower the speed limit the tighter they will be. You'll have to be careful with a 1.6 bit honestly I would think you'd be fine. As long as you don't speed like mad you should be good.
    Do you think you could let me know what it's like and what kind of scores you're getting from it? And also what you use (app/website) to track how you're driving

    'My Policy' are also my cheapest insurer so it would be great to hear from someone using the same box

    Thanks!
    Offline

    13
    ReputationRep:
    (Original post by mc-ren)
    So I recently passed my test, and i'm trying to find an insurance premium for a car I own (vauxhall astra 1.6l). It will be my first time insuring and driving my own car so I have a few questions:

    if you have been in a similar situation, what company did you use and how did you go about doing it?

    how much should I expect to pay for insurance as a new driver (i'm 20 years old)

    does insuring it in your parent's name, even if they aren't the main driver, have any effect?

    Thank you to anyone who replies
    I would say use as many price comparison sites as you can saved me 300 difference between the best on one site compared to the other
    • Community Assistant
    Online

    20
    ReputationRep:
    Community Assistant
    I personally would avoid a black box if possible. At the end of the day if it records you going 32 in a 30 zone it could count against you. Somewhat unreasonable but not unheard of.

    Use comparison sites. Find the cheapest deals you can. Make use of multicar discounts and other benefits if you can. When you've got a few low prices, call around and play them off against each other. If X company is offering you £1000 and Y company offering you £1100, call Y company and tell them you can go with X for cheaper and see what they can do. You can usually knock a little money off this way.

    And putting parents on your insurance as named drivers brings costs down a ton.

    I was looking at around £1500 to insure my 1 litre Corsa (third party, fire and theft) until I added my mum and brother to the insurance. Dropped it down to about £1000 for fully comprehensive so massive savings. This was with Admiral. When I needed to renew I hit the sites again, found a cheaper deal and asked if they could match it or better.
 
 
 
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • Poll
    Have you ever participated in a Secret Santa?
    Useful resources
    How much money do you spend a week?The ultimate guide to tax!Guide to student bank accounts

    Sponsored features:

    Web Legend

    Win a Macbook Air!

    Blog about setting up a website for a chance to win in our Web Legend competition.

    Quick link:

    Unanswered money and finance threads

    Groups associated with this forum:

    View associated groups
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • The Student Room, Get Revising and Marked by Teachers are trading names of The Student Room Group Ltd.

    Register Number: 04666380 (England and Wales), VAT No. 806 8067 22 Registered Office: International House, Queens Road, Brighton, BN1 3XE

    Quick reply
    Reputation gems: You get these gems as you gain rep from other members for making good contributions and giving helpful advice.