KTM21 Posted May 15, 2015 Posted May 15, 2015 Out of curiosity I looked up insurance prices for a 1.25l fiesta worth £2k and for a 17 year old with no ncb it's £2500 a year. I looked up the price for a 1.2l corsa and it was the same. How the hell does anyone get a car at my age or even at 18. Who would actually spend £2500 on insurance. It's just ridiculous. Would there be no way to reduce this amount? Quote
Mr Fro Posted May 15, 2015 Posted May 15, 2015 My brother (now 22) has had a telemetry box installed which brought it down a good bit. Still a bit steep though. Quote
Guest Posted May 15, 2015 Posted May 15, 2015 My friend who had a box fitted said it brought his down £20 a year from driving like a granny to driving like a madman. Quote
JamBerryKing Posted May 15, 2015 Posted May 15, 2015 best way is to be a named driver on your parents policy if possible, and if you do, make sure you can actually earn some NCB from it. so, get your parents to buy the car in their name, insure it in their name, and you be a named driver. should take that figure down to around £1300 or so, although this depends on hyears they've had their license and if they have any points.hope this info i useful. Quote
Stu Posted May 15, 2015 Posted May 15, 2015 best way is to be a named driver on your parents policy if possible, and if you do, make sure you can actually earn some NCB from it. so, get your parents to buy the car in their name, insure it in their name, and you be a named driver. should take that figure down to around £1300 or so, although this depends on hyears they've had their license and if they have any points.hope this info i useful. this is long gone these days as insurance quotes for the highest risk driver and not just for the owner! my nephew has just passed and has a black box fitted and pays £1200 a year on a 08 punto he is 18 his girlfriend also passed pretty much at the same time and has a black box fitted on a corsa but she pays £2500 his mother was going to put him on her insurance but its was going to put the price up from £200 to over £2500 Quote
klingelton Posted May 15, 2015 Posted May 15, 2015 it's a pretty raw deal, but unfortunately little tarquin is a pretty high risk of stuffing it into a hedge in his first year of driving.I wonder about getting a classic and getting classic insurance. that would probably be far cheaper. And tarquin would never be able to stuff it because it would always be on axle stands! Quote
Marky Posted May 15, 2015 Posted May 15, 2015 best way is to be a named driver on your parents policy if possible, and if you do, make sure you can actually earn some NCB from it. so, get your parents to buy the car in their name, insure it in their name, and you be a named driver. should take that figure down to around £1300 or so, although this depends on hyears they've had their license and if they have any points.hope this info i useful. this is long gone these days as insurance quotes for the highest risk driver and not just for the owner!Not only that, but the insurance must now be in the name of the main driver.With some insurers though it can help to put a parent (or someone older with a long driving history) on your insurance as a named driver, even if they'll hardly ever drive it. With Elephant/Admiral for example this often brings the premium down. Quote
Stu Posted May 15, 2015 Posted May 15, 2015 Not only that, but the insurance must now be in the name of the main driver. No it doesnt me and the missus alternate the insurance as we only have one car now this is too keep our NCB they always ask who is the owner and who is the main driver some even go as far as asking how many miles each driver will be doing per year Quote
runningman Posted May 15, 2015 Posted May 15, 2015 With some insurers though it can help to put a parent (or someone older with a long driving history) on your insurance as a named driver, even if they'll hardly ever drive it. With Elephant/Admiral for example this often brings the premium down.This is good advice and is known to reduce the premium. Quote
Bogof Posted May 15, 2015 Posted May 15, 2015 best way is to be a named driver on your parents policy if possible, and if you do, make sure you can actually earn some NCB from it. so, get your parents to buy the car in their name, insure it in their name, and you be a named driver. should take that figure down to around £1300 or so, although this depends on hyears they've had their license and if they have any points.hope this info i useful. Be very careful how you do that as fronting is still illegal, and rightly so. Quote
JamBerryKing Posted May 15, 2015 Posted May 15, 2015 best way is to be a named driver on your parents policy if possible, and if you do, make sure you can actually earn some NCB from it. so, get your parents to buy the car in their name, insure it in their name, and you be a named driver. should take that figure down to around £1300 or so, although this depends on hyears they've had their license and if they have any points.hope this info i useful. this is long gone these days as insurance quotes for the highest risk driver and not just for the owner! my nephew has just passed and has a black box fitted and pays £1200 a year on a 08 punto he is 18 his girlfriend also passed pretty much at the same time and has a black box fitted on a corsa but she pays £2500 his mother was going to put him on her insurance but its was going to put the price up from £200 to over £2500 ah fair enough stu, i didnt think the rules had changed that much since i did my test. damn i feel old now. its only been 7 years! Quote
Joeman Posted May 15, 2015 Posted May 15, 2015 the fine for driving uninsured is less than the insurance premium, so you can guess what many young people are choosing to do.. Quote
Matt Strange Posted May 16, 2015 Posted May 16, 2015 You should try some obscure (to a youngster anyhow), larger cc saloon of the type driven by the blue rinse brigade, my Friend's little brother had a rover 400 diesel and the insurance was 2\3rd of the price of something like a saxo or corsa. It was faster too Quote
Six30 Posted May 16, 2015 Posted May 16, 2015 Do a pass plus course, get a car with no mods, increase your excess, might bring price down a bit Quote
Fozzie Posted May 18, 2015 Posted May 18, 2015 You have to buy a car no 17 year old would buy.A Nissan note or Honda Jazz (granny mobiles) would do the trick Quote
KTM21 Posted May 18, 2015 Author Posted May 18, 2015 I tried using comparethemarket instead of go compare and the prices are so much different. Going to start saving for a civic EP2 now. The car costs about £2000 now and insurance was £1880 which is pretty good for 1.6 sport model. Also the quoted price was reduced by like £330 by adding my dad as a secondary driver. Hopefully I'll be able to get one in about a years time but I definitely won't be selling my bike to fund it Quote
Whitey1984 Posted May 18, 2015 Posted May 18, 2015 You have to buy a car no 17 year old would buy.A Nissan note or Honda Jazz (granny mobiles) would do the trick Nothing wrong with a Honda Jazz You'll never get in an accident as when you put your foot down you have to wait 5 minutes for the power to be delivered, by that time the gap is gone and you give up trying.My first car was a Rover Metro, no 17 yr old would be seen dead in it, cost me about £600 tpft, although i was ashamed of it and treated it like the shit heap it was, it got me my first years NCB and reduced the insurance on my next car which was an xr2i fiesta (boy racers dream)! Quote
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