Competition - post a photo you've taken of nature >>

Passed test Yesterday, insurance too much?

Just passed yesterday and the insurance looks like its far too expensive. Anyone in Bradford had any experience with insurance for young people? (19 years old)

Currently being quoted 3.6k as cheapest on go compare and other comparison sites.

Reply 1

kajo1

I recommend using a small 1 litre rather than a luxurious sports car as you would be classed then as high risk.
Also opt for the black box option.
keep shopping. Not just on money comparison sites but individuals too.
Good luck and happy driving x

Reply 2

Dez

Original post by Hailfire72

Make sure you have a read through the insurance guide and follow all the tips in there: https://www.thestudentroom.co.uk/showthread.php?t=4825738

Do note though that even if you do everything optimally you could still potentially be looking at £2-3k for your first year of driving, young drivers are a huge risk to insurers and nothing is going to mitigate that risk too much.

Reply 3

IWMTom

Original post by Hailfire72

You'll be hard pressed to get much cheaper than that in the first few months after passing your test.

Reply 4

Emma:-)

Entertainment Forum Helper

Original post by kajo1

congratulations on passing your test but yes it it a lot of money for insurance you are better off being a second driver on a car. (although it's your car a more experienced driver like mom,dad etc is named first and you second)
very often your insurance will be a lot more than the car is worth!
I recommend using a small 1 litre rather than a luxurious sports car as you would be classed then as high risk.
Also opt for the black box option.
keep shopping. Not just on money comparison sites but individuals too.
Good luck and happy driving x

NO- don't put yourself as a named driver and someone (like a parent) as the main driver on your car. Its called FRONTING and its ILLEGAL!!
If your insurance find out- the policy will be cancelled and you will be in the ****.
I can't believe you are even suggesting this.

Reply 5

IWMTom

Original post by Emma:-)

I didn't even spot this! I should stop skimming over replies! :')

Reply 6

Xopher_

Original post by IWMTom

You'll be hard pressed to get much cheaper than that in the first few months after passing your test.

3.5k for first year insurance for a 19 year old? Mine is 1.9k with a 1.2, some dude on here has a corsa vxr as a 17 year old and it's cheaper than mine

Reply 7

IWMTom

Original post by Xopher_

3.5k for first year insurance for a 19 year old? Mine is 1.9k with a 1.2, some dude on here has a corsa vxr as a 17 year old and it's cheaper than mine

Your point being? He's living in Bradford, and he's already had quotes. There's only so much you can do if you've already got the vehicle, it won't reduce much.

Reply 8

kawaiitako

Aaah Bradford is terrible. When my partner passed his insurance was upwards of £6k, and he was 22 at the time, got nearly 2 years no claims now and it's still around £5k, his car is like 17 years old though. I went with Marmalade for my '08 Fiat 500 (they specialise in young people's insurance), my quote is about £1.2k or so, but I have a black box - I'm 24, though I only passed in December so I don't think my age factors into it being cheaper.

Reply 9

Hailfire72

Original post by Xopher_

3.5k for first year insurance for a 19 year old? Mine is 1.9k with a 1.2, some dude on here has a corsa vxr as a 17 year old and it's cheaper than mine

Whos it with? And what car

Sent from my SM-G935F using Tapatalk

Reply 10

Xopher_

Original post by Hailfire72

Whos it with? And what car

Sent from my SM-G935F using Tapatalk

It's just luck. For example my cousin lives in town and has the same car as me, yet his is less than mine, when he's diabetic and I live in a small village.