1st Car Insurance well over 2k!!

I was about 22 without any no claims etc, My first car... 2.0ise Honda Accord,

Put my girlfriends Mother as a named driver on my policy, with me being main.. £930

Small pokey cars arent always cheap, I imagine insurance companies look at statistics on cars and many small hatches are crashed by young people, and stolen more often.

I used Bell first. try them over phone.
 
Try Admiral on their website, experiment with the variables a bit you might be surprised. In my quote I said I keep my car in the garage, then changed to drive it reduces it by £100. Try adding 2 named drivers with NCB, it really helps. The reason your quote is so high might because of a bad postcode. Nothing you can do about that except move house.

A Fiesta is good choice not many cars have cheaper insurance except maybe the KA. Just go with a smallish engine.

Don't use the phone, use on-line and change the variables around, you can't do this over the phone as you can only enter your details once.

Also do Third Party F&T, 10 month bonus accelerator and pay annually not monthly.
 
[TW]Fox;17495295 said:
Do a tad more research than just using Confused.com. It really isnt that great.

Contact insurers directly.
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You'll be surprised. Unless when contacting the insurer directly they ask more questions (and thus use less defaults than the comparison site) they will more often than not give exactly the same price.
 
Von Smallhausen said:
2k for a 1.3 Fiesta and almost three times the cars worth. Is it a wonder that so many drive without insurance ?
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Surely you realize you're covering the cost of damaging other cars or things like lamp posts not to mention personal injury claims. They go by statistics, nothing you can do about it. The people without insurance are just morons to put it simply.
 
Von Smallhausen said:
2k for a 1.3 Fiesta and almost three times the cars worth. Is it a wonder that so many drive without insurance ?
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Can't afford it, don't drive.

Sure as hell I want a 50 inch TV, I can't afford it so I'll have to make do without. People treat driving as some sort of basic human right. It isn't.
 
On the subject of uninsured drivers we agree.

It is still a **** take to demand 2k for a 1.3l car for a 20 yr old who has had his licence a year, I don't care what the statistics say.
 
Undortunaly 21 year olds in small cars are a huge risk

If you can somehow restrict the testosterone levels and increase the iq a few points of the average young male driver, insurance might be reasonable. Unfortunately you can't, so young men in small cars pay proportionally to their risk... Simple as
 
Von Smallhausen said:
On the subject of uninsured drivers we agree.

It is still a **** take to demand 2k for a 1.3l car for a 20 yr old who has had his licence a year, I don't care what the statistics say.
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It takes the **** to demand £10,000 for hurting your neck in a whiplash accident because your off work for a year, but loads do it. Blame them.:o
 
Von Smallhausen said:
On the subject of uninsured drivers we agree.

It is still a **** take to demand 2k for a 1.3l car for a 20 yr old who has had his licence a year, I don't care what the statistics say.
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I paid 1400 to insure an Escort with the same engine, at 20 in a high risk post code so I have no idea why the OPs quotes are so bad...

Von Smallhausen said:
And that's justification to charge 3 times a cars worth to insure it ?
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The value of a car is not the only factor, this has already been explained. I can cause the same amount of damage in a £500 and a £10000 car...
 
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Spunkey said:
People always say that, but insurance isn't just about covering the cost of your car, it's about covering the cost of any damage you do to property/people.
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Janesy B said:
Exactly, you can do tens of thousands of pounds worth of damage in a £500 car...
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Von Smallhausen said:
And that's justification to charge 3 times a cars worth to insure it ?
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It's been explained loads already, I'm not seeing why you don't understand? Tpft doesn't cover damage to your car at all, should that be free?
 
Insurance is a joke, its a form of gambling according to Ned Flanders, mines going UP by £100 according to renewal quote and quotes I am getting, you would think places want your custom and undercut others but nope, 6 years NCB, zero claims and 1.3l car for 27 year old and they are like meh £450 take it or leave it. More Than undercut Tesco by £100 2 years ago now nobody wants to know.
 
cheets64 said:
Insurance is a joke, its a form of gambling according to Ned Flanders, mines going UP by £100 according to renewal quote and quotes I am getting, you would think places want your custom and undercut others but nope, 6 years NCB, zero claims and 1.3l car for 27 year old and they are like meh £450 take it or leave it. More Than undercut Tesco by £100 2 years ago now nobody wants to know.
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Mine drops at least £500 next year.:D
 
cheets64 said:
Insurance is a joke, its a form of gambling according to Ned Flanders, mines going UP by £100 according to renewal quote and quotes I am getting, you would think places want your custom and undercut others but nope, 6 years NCB, zero claims and 1.3l car for 27 year old and they are like meh £450 take it or leave it. More Than undercut Tesco by £100 2 years ago now nobody wants to know.
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The whole postcode lottery thing is a bit ridiculous. I appreciate crime stats are crime stats but I'm younger than you, I've got less NCB than you yet I've insured my Group 17 3.0 litre car for £400.

Are you really a bigger risk to the insurer? I don't personally think so.
 
If your risk is lower at renewal, claim costs have gone down or other costs have decreased then your renewal will go down.

If your renewal has gone up, you've either become more of a risk or costs have gone up. Simples, not random conspiracy theory
 
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