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Car purchase + insurance advice Watch

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    (Original post by EBastos)
    Isn't a blackbox a good thing?

    If I don't have problems that would reduce my insurance right?
    Haven't ever used one myself but if you drive like my mother then it should be fine. But in general I hear it can be quite difficult to satisfy the blackbox. If you do a lot of night driving it'll penalise you for that, too. Generally the piece of mind without it is worth paying for, IMO.
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    (Original post by NX172)
    Haven't ever used one myself but if you drive like my mother then it should be fine. But in general I hear it can be quite difficult to satisfy the blackbox. If you do a lot of night driving it'll penalise you for that, too. Generally the piece of mind without it is worth paying for, IMO.
    Oh Wow!

    Then it is better not to!

    Thought it was something useful!
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    (Original post by EBastos)
    You mean Bells's or Aviva? ahah
    yes! lol
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    (Original post by EBastos)
    Oh Wow!

    Then it is better not to!

    Thought it was something useful!
    Black box is useful if you’re a 17 year old like me who lives in one of the high risk areas as it cut my insurance by over £1500 if you don’t need it though don’t as it’s impossible to satisfy, every time I drive to work I am driving at a bad time of day.
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    (Original post by Snoozinghamster)
    Black box is useful if you’re a 17 year old like me who lives in one of the high risk areas as it cut my insurance by over £1500 if you don’t need it though don’t as it’s impossible to satisfy, every time I drive to work I am driving at a bad time of day.
    I see. I understand
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    (Original post by NX172)
    Depends on your area. But 25 y/o with 0 no claims and 5 years experience I would say that looks about right. Try going to some insurance companies that aren't on comparison websites, such as aviva and directline, they might be able to do it cheaper.
    Those prices look extortionate. I had a few years without driving so my no claims expired, even still I am paying much less than those quotes for a fiesta ST with various insurance addons, no black box and a better provider than those.

    Maybe being foreign pushes your quotes up a lot.
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    (Original post by UniWasEz)
    Those prices look extortionate. I had a few years without driving so my no claims expired, even still I am paying much less than those quotes for a fiesta ST with various insurance addons, no black box and a better provider than those.

    Maybe being foreign pushes your quotes up a lot.
    I've never driven anything close to the insurance group of a Polo or ST so I wouldn't know. Unless you live in a good area, I don't think it'd be unreasonable for that price to appear either, especially here in London where it's easily a couple hundred pounds more. No idea about the foreign thing.
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    (Original post by NX172)
    I've never driven anything close to the insurance group of a Polo or ST so I wouldn't know. Unless you live in a good area, I don't think it'd be unreasonable for that price to appear either, especially here in London where it's easily a couple hundred pounds more. No idea about the foreign thing.
    Unless it's Polo GTI I'd imagine an ST would be in a much higher insurance group. Didn't realise TC was in London, but those prices still surprise me.
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    (Original post by UniWasEz)
    Unless it's Polo GTI I'd imagine an ST would be in a much higher insurance group. Didn't realise TC was in London, but those prices still surprise me.
    My point is I can only base it relative to what I've been quoted at when I was 25, so I don't know what either an ST or Polo costs at the age of 25 with no no-claims but it's a lot cheaper than what I paid (~£1400)whilst having no claims discount.

    At 0 no claims those prices wouldn't surprise me, is all. Considering even 1 year of no claims is worth 30% discount with most insurers.
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    1. (Original post by NX172)
      My point is I can only base it relative to what I've been quoted at when I was 25, so I don't know what either an ST or Polo costs at the age of 25 with no no-claims but it's a lot cheaper than what I paid (~£1400)whilst having no claims discount.

      At 0 no claims those prices wouldn't surprise me, is all. Considering even 1 year of no claims is worth 30% discount with most insurers.


    For comparison, I'm 26, 0 no claims discount (expired), 4 years named driver experience, no past claims or points. Driving an ST (insurance group is high 20s or low 30s iirc) on Directline with a few extras and £150 total excess for £600ish a year. Felt like I was getting robbed after remembering what I use to pay, but maybe I didn't do too bad after all.

    Think polos are around insurance group 10
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    (Original post by UniWasEz)
    For comparison, I'm 26, 0 no claims discount (expired), 4 years named driver experience, no past claims or points. Driving an ST (insurance group is high 20s or low 30s iirc) on Directline with a few extras and £150 total excess for £600ish a year. Felt like I was getting robbed after remembering what I use to pay, but maybe I didn't do too bad after all.

    Think polos are around insurance group 10
    Personally I'd be happy with that quote!
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    it seems there are mixed feelings about my insurance...

    Maybe if i change my driving license to British it would go down?
 
 
 
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