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Car insurance under £1000

ok iv passed my test recently (coupla weeks) i will have pass plus soon no problems and my dad says hell buy me a car if i can find insurance for (any) car under £1000 is it possible, i am 17 and a male...(will be 18 on jan 3rd) and i dont mind too much what car i get i dont mind if its a banger but i doo have a little pride so no ' ka's ' ( i just find them hideously girly) but back to the main question is it possible to get a car insurance quote for me under a grand and for what car???

Reply 1

lodzinski

14

first year on my Seicento sporting was £770. this year is an even £500, but it is with parents on the policy. However, you live in london, and unless it is garaged with low mileage on the policy, it'll be tough to get it under £1000, unless you live in an ultra low crime area (in which case you probably wouldn't be worried about £1000 insurance.)

as a rough guide something worth less than £2000 with no more than 1.1, 1.2 at most.

Reply 2

mozza0508

From what i remember its almost impossible. If you do want to get insurance on a car then get your dad to insure it and add yourself as a named driver where it will be cheaper but you won't be able to get any no claims bonus.

Reply 3

JC.

19

Ive never paid more than £900 and i've had a LOT of cars!
The smaller engined ones have been very cheap. Classic car insurance FTW.

Reply 4

TimeLady

11

mozza0508

From what i remember its almost impossible. If you do want to get insurance on a car then get your dad to insure it and add yourself as a named driver where it will be cheaper but you won't be able to get any no claims bonus.

The problem with doing that, is a lot of insurance companies have cottoned on, and now refuse to pay out for a lot of claims. If the car is in your name, if you MOT it, if you get speeding tickets in it etc etc, then they'll know that you aren't just a "named" driver, but the "main" driver. If they have reason to beleive thats the case, then they are starting to refuse to pay out.

Which is quite right, really. If you're a named driver, it implies you don't drive it regularly. If this is not the case, then they are right to not pay out IMO.

Reply 5

lodzinski

14

as far as an insurance firm are concerned here will be the facts
1: you are male
2: you live in london
3: You have no NCB and no experience.

you are officially pretty high risk. Unlucky, you're boned.

Reply 6

recneps

10

You could do Pass plus to try to reduce your premiums

Otherwise, stick to a low powered car. If you have a garage then thats always a bonus (alternatively do you have a grandparent or similar living in a rural crime-free area - if so you could possibly register it to their address and save on the insurance although again i dont know whether the insurance company would pay up if you had a crash!)

Reply 7

Planto

16

TimeLady

Which is quite right, really. If you're a named driver, it implies you don't drive it regularly. If this is not the case, then they are right to not pay out IMO.

You say this, but it's hardly justice as insurance companies are massive extortionists anyway, getting away with charging ridiculous prices just because their service is a legal requirement.

Reply 8

bluenoxid

13

Car should be below 1000cc e.g. Panda Active and insurance will be less than £1000. Agree with Ka comment even I wouldn't have one and I'm a girl! (Noxid's Mum)

Reply 9

Abigail8727

I'm 18, haven't passed my test yet. I think my insurance is £40 a month with my dad as the first driver and me as a named driver as well as my sister as a named driver with full license (why she needs to be on my insurance when she has her own car I don't know).

I have a Fiat Punto (R reg), parked on the drive in a low crime area with my dad having 10 years NCB.

Even better, I don't pay the insurance.

Reply 10

Planto

16

Sigh. All these low prices for girls, yet the other day, in the back of my friend's sister's car, we had to say such things as "This lane goes in the opposite direction." and "Please don't turn right into that car."

Reply 11

Floozie

2

If your parents have a good no claims bonus get yourself insured as the main driver and get them insured on the car under your name. It brought my first insurance down by about £200.

Also you could just get insured for 10 months which will cost less, most companies do that and offer a full one years NCB, thus making the 2nd years insurance cheaper.

Reply 12

ch0c0h01ic

18

Being a first timed driver and trying to get insurance below £1k as the main/only driver as said already is pretty much impossible. I started out in an old 1.2 corsa, even with my dad with a ncb of 10+years on my insurance it was £800 to learn in, the moment i passed this went up to £2100 which meant changing companies with my dad on the insurance and we managed to get that down to about £700. That's given the fact that i've never been in an accident, me or my dad have never made a claim in 10+years, low risk crime area, garaged car with good security and i'm at uni 90% of the time so only get to drive it in the rare event that i have hols it could be significantly worse.

Phone up a few companies and ask what the cheapest car to insure would be and ask for a quote. The smallest, oldest, cheapest car you can possibly get which can pass an mot is your best bet. My friend recommends the old 0.8 litre fiat cinqento (dodgy spelling but they look like metal coffins if you ever see one). Then again she is female so her insurance is naturally a few hundred cheaper.

Word of warning, pass plus 'can' only reduce your insurance by 30%. 30% is the max you can save with certain conditions. It all depends on who you are and what you drive. Personally there was little point in paying out however many hundred pounds for the lessons to save a couple of hundred on my insurance, which will naturally go down as my amount of driving increases.

Reply 13

Planto

16

Why do you bother insuring a car if you're always away at uni? Is it really worth £700 to avoid using public transport a bit when you're back at home?

Reply 14

lodzinski

14

the above mentioned a cinq - if you are going for small fiats that are cheap to insure, get a seicento - far nicer to drive and be in, and available for a couple hundred pounds more.

Reply 15

samba

6

lessthanthree

wait till you're 18 for a start.
do pass plus
get nothing over 1.2 yet.

my first insurance was about £800, then £500.

But you have tits!

Reply 16

uk_chip

OP

11

ok... both my parents have the full ncb years... i have pass plus... i choose a %%%%%%%%ty car (fiesta) and im gona wait till im 18 but i still was getting quotes above a grand...THEN i saw mare than.. i less than 3 more than.. they ONLY insurance company to insure me for around 800... and thats fully comp.. i havent told them i ahve passplus and it includes a courtesy car.. after a quick call and mentioning the 3 obvoe details (i dnt need a courtesy car or fully comp) it should go down a lili bit more... teh car is a 1994 1.3 fiesta (i dnt have it i was using as an example i copied teh plate numbers from an autotrader advert lol)

Reply 17

ch0c0h01ic

18

Planto

Why do you bother insuring a car if you're always away at uni? Is it really worth £700 to avoid using public transport a bit when you're back at home?

On the rare even that i am at home i like to be able to take myself shopping, be able to go out with mates and be able to get to work/work experience placements which are a requirement of my course.

Getting to a welsh hill sheep farm on the edge of the black mountains with all of your clothes and kit is pretty difficult by public transport when you come from outside the far side of London. Trying to get to a pig farm 40miles away for 7am using public in a rural area is also pretty much an impossibility unless i get myself a chauffer. Or trying to get to a dairy farm 5 miles away for the early shift starting at 5am, its knackering enough as it is without trying to cycle there in boiler suit and steel toe capped wellies.

Oh.

OP

loool

Car insurance under £1000

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