Passed my Test :D insurance?

Zefan said:
Did you see what the price for fully comprehensive was? Mine was barely any different, I think it was £20 over a year.
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He's insuring a 320i as his first car for £550. I wouldn't be doing anything other than getting my debit card out and snapping their arm off at that price, 3rd party or fully comp!

And I thought insurance was expensive in N.I!
 
NCB isn't the be all and end all.

I had a claim in my first year (like many) and still ended up with a 50% discount the next year.

Try an older car and get classic insurance, no NCB iirc but a £1500+ saving will be worth it.
 
Also try putting a parent with a clean licence on as a named driver this droped mine with direct line. Sort of the opposit to fronting.

My first car was a 1.4 Derv 106 Mreg got it fully comp for £500 :D
 
I just passed my test and my quotes have been a lot more than these!

£3500 - Sole driver 1 Litre Micra
£300 Extra - Named driver on a 1.4 Fabia

Guess its going to be a while until I get my own car ! :D

For some reason fully comp always seemed to work out cheaper too.
 
Mike UK said:
I just passed my test and my quotes have been a lot more than these!

£3500 - Sole driver 1 Litre Micra
£300 Extra - Named driver on a 1.4 Fabia

Guess its going to be a while until I get my own car ! :D

For some reason fully comp always seemed to work out cheaper too.
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That's insane :o
 
LOL. I got quoted £3800 on a 1litre Micra. Obv this is using price comparison sites. Seriously, insurance sucks for new drivers.
 
3k annual mileage? I munched through 3k miles pretty quick after i passed my test!


When you were running these quotes was you placing your mum/dad as named drivers?
 
aproctor said:
Try an older car and get classic insurance, no NCB iirc but a £1500+ saving will be worth it.
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I believe for classic insurance you have to be the policy holder on another car, so that’s not possible.

Just use your 525 till you find a cheap runabout. Then it won't be the end of the world when you eventually run into something.
 
I'm not sure, I can't remeber exactly where. I don't tend to keep note of those kind of things. A quick google threw up this though:

Classic Car Insurance Eligibility
Your car is eligible for classic car insurance if it complies with the following conditions :

•Your car must be at least 10 years old but some companies allow it to be anything from five years old or more. A few companies though will insure brand new classic cars too.
•The minimum value of the car is decided by the insurer.
•The vehicle must be used as a second car, never as a primary vehicle. Other considerations for some insurers include how you keep your car (garaging preferred) and good driving records. The car should generally be kept under lock and key, with only limited people allowed access to it. The car is not always covered if parked other than at the residence, even temporarily.
•Driving your vintage car on a regular basis will disqualify you for classic car insurance. A basic limitation imposed by the vast majority of classic car insurers is on the mileage permitted per year and the manner in which that mileage is used. The range is generally 1,500 - 6,000 miles per year. The lower the mileage you limit yourself to, the lower your premium will be. The car may not be in everyday use or used for routine errands such as going to work, shopping or taking children to school. Weddings and other such instances are permissible.
•Refitting your antique car so that it can participate in car rallies or sporting activities will disqualify you for classic car insurance.
•The age of the motorist should be at least 21 years of age but it varies between policies. Obviously, the younger the driver, the higher the premium as companies opt for experience. Some companies will refuse to insure cars with young drivers.
•Depending on the insurance provider, classic car insurance is specific to car make and model.
•Your antique car must not have been involved in criminal activity.
•The car originated in the UK.
•You possess an unexpired UK or EU car license.
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(from http://www.insurancesos.co.uk/articles/car-insurance/eligible.html)

It doesn't mention that you have to have another policy though. I suppose it must vary from insurer to insurer.
 
IrishChr1s said:
thought id give an update on the insurance hunt

My dad has a 2001 BMW 320i SE, and suggested i get a 3rd party only
quote for the car as he rarely uses it, well enough that i can use it for to and from my girls house at the weekends.

I didnt really like the idea as i was getting £2000+ for a 1.4 HDI peugeot.

So i called and got a nice lady who got me 3rd party only, 3000 annual millage for a grand total of £550.

Going over friday to sign the paperwork, im a happy bunny!
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Wait, you your father has a policy on the car already and you're taking out another one? I thought this wasn't allowed?
 
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