Car Insurance-WTF? Watch

money-for-all
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#1
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#1
It is absolutely ridiculous.
Please be honest, do you think £1300/year is 'cheap' for car insurance for a 1.8 litre? I think its an absolute rip off.
the car is worth like £3000.

Just does not feel right paying 1/3 rd of the car's value just to insure it?
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squeakysquirrel
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(Original post by money-for-all)
It is absolutely ridiculous.
Please be honest, do you think £1300/year is 'cheap' for car insurance for a 1.8 litre? I think its an absolute rip off.
the car is worth like £3000.

Just does not feel right paying 1/3 rd of the car's value just to insure it?
That is quite cheap - guess you are late teens, early 20's and it is your first car. Not much you can do about it until you turn 25.
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seethtruth
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where d u live in my ends insurance is sky high
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cherryred90s
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(Original post by money-for-all)
It is absolutely ridiculous.
Please be honest, do you think £1300/year is 'cheap' for car insurance for a 1.8 litre? I think its an absolute rip off.
the car is worth like £3000.

Just does not feel right paying 1/3 rd of the car's value just to insure it?
Car insurance is always expensive for young and inexperienced drivers. That's quite decent for a 1.8L engine anyway. *yawn* what else is new?
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money-for-all
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(Original post by squeakysquirrel)
That is quite cheap - guess you are late teens, early 20's and it is your first car. Not much you can do about it until you turn 25.
CHEAP?
Man, do you really not mind paying a third of the value to insure it?
you need to change your mindset.
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Xopher_
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(Original post by money-for-all)
It is absolutely ridiculous.
Please be honest, do you think £1300/year is 'cheap' for car insurance for a 1.8 litre? I think its an absolute rip off.
the car is worth like £3000.

Just does not feel right paying 1/3 rd of the car's value just to insure it?
Haha what are you crying for? mine is 1.9k for a 1.2 corsa ffs, yeah I'm 17 but it's still ridiculous. My car was 6.5k so it's basically 1/3 of the car too?
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money-for-all
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There is something seriously wrong with you people^^or your parents are actually willing to pay that much to insure you?
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Hazard28
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#8
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the two biggest determinants of car insurance premiums are:

1) location
2) age of driver
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cherryred90s
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(Original post by money-for-all)
There is something seriously wrong with you people^^or your parents are actually willing to pay that much to insure you?
I don't know how much you were expecting to have to pay but £1300 is certainly not something to complain about. I've been quoted £2200
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nutz99
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(Original post by money-for-all)
It is absolutely ridiculous.
Please be honest, do you think £1300/year is 'cheap' for car insurance for a 1.8 litre? I think its an absolute rip off.
the car is worth like £3000.

Just does not feel right paying 1/3 rd of the car's value just to insure it?
My son's insurance is twice what the car is worth and that is for a 1 litre car. You'd likely get a cheaper quote if the engine was 1.4 litres or less. Age and experience also play a big factor.


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Paracosm
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#11
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Sorry OP, that's really really cheap. I pay £1900 for a 1.4 VW Polo :rofl:

I'd kill to pay £1300 for a 1.8 anything tbh :lol:
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RogerOxon
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#12
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(Original post by money-for-all)
CHEAP?
Man, do you really not mind paying a third of the value to insure it?
you need to change your mindset.
The value of the car has nothing to do with how much damage it can do to people and their property.
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Jackieox
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#13
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I paid £800 for mine but its a 1.4
I'm assuming you're a new/young driver? If so 1300 for a 1.8 is extremely good.
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IWMTom
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#14
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This thread should really be in Cars and Motoring - tagging AngryJellyfish to get this moved.
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username1753569
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#15
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(Original post by money-for-all)
It is absolutely ridiculous.
Please be honest, do you think £1300/year is 'cheap' for car insurance for a 1.8 litre? I think its an absolute rip off.
the car is worth like £3000.

Just does not feel right paying 1/3 rd of the car's value just to insure it?
I pay £1300 for a 1.2 litre, which compared to all my friends is only a little bit more expensive than their 1.0
I don't know what you were expecting, but young drivers can expect to pay a huge amount, and a lot more than what you're quoted. Is your quote is with a black box, if not that could decrease your quote by a fair wack with certain insurers.
PS my parents don't pay for my insurance, I do. We made a deal, they buy the car and I buy the insurance.
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Richard0328
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#16
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the car itself is a major factor too. If it is popular with boy racers then expect a high premium because they crash a lot and that makes the car high risk. Same with theft rates and anything else that a car can have done to make it high risk to an insurance company.
best bet is to avoid the usual corsas and fiestas and go for something like a Chevrolet or Hyundai to lower your premiums because they are uncommon and unmolested. I tend to go with cars like that and a perfect example was my Mitsubishi Legnum. High performance but low insurance because they are so rare that nobody knows what they are. It is a 2.5 V6 twin turbo 4WD estate with 276BHP as standardName:  WP_20140430_09_45_16_Pro.jpg
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FXX
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#17
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(Original post by money-for-all)
the car is worth like £3000.

Just does not feel right paying 1/3 rd of the car's value just to insure it?
The reason you have to have insurance is to pay for everything else that gets damaged in the process.

If you're just going for third party cover, this means paying for the other person's car to get repaired, and any road/barrier repairs that need carrying out.

If you write off a Veyron and take out a load of central reservation barriers which require shutting the M25 for 8 hours you'll see that £1300 isn't actually THAT bad of a deal.

Don't get me wrong - insurance is a total ripoff, but you shouldn't consider it based on the value of your car. It's all worked out on risk.
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