Mk1 toyota Yaris'...thoughts and opinions?

PMKeates said:
I think your only options are to either a) sell the car or b) try using Bell.co.uk and:
  1. Suffer a large excess
  2. Set the annual mileage to as low as you could reasonably imagine you will drive
  3. Add two adults with no convinctions or claims that are in their 50s (literally anyone)
  4. Go for a 10 month bonus accelerator option
  5. Set a slightly low value on your car, but enough to enable a large excess
Hopefully then you will have something approaching reasonable. £3600 is ludicrous!
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I just did a quote for a 17 year old Checkout assistant, living at home with his 23 year old Girlfriend and his Mum (driving 15+ years) on the policy, FC with a £1000 excess and it came out at £3200, and I have an awesome postcode.

Without Mum it was £3800, and without the fictional Girlfriend it was £5000+.

Even a 1.0 'S' is £2500, but I think this is the way Insurance is going, not specifically the car.

A 1.8 Mondeo is £4000, so actually in the grand scheme of things, the T-Sport isn't that bad. Being a new driver at 17 is.
 
Vita said:
Done, some of those. Minus the two adults, low value and annual mileage.
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You MUST know someone, anyone, who is 40/50 and held their licence for 15 years + that you can put on your policy? :confused: This is the one thing that has the potential to decrease your premium A LOT.

Putting both my parents on the policy cut my premium by a third ( Even my dad, and he has 3 points!)
 
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[TW]Fox;18144671 said:
At 22? Cool, we've been after a place offernig Dayinsurance for under 23's for ages as it's a common question on here. Which company?
Wasn't on my name Fox. My cousin who's 28 drove it back. As it was 40quid cheaper.


Exactly - so if he hadnt had any interest at a higher price I doubt you would either, therefore there isnt good profit to be made surely?
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Because it's a 5dr. You can't get hold of them as there aren't many for sale. I could make a good profit here in Bradford as there is a demand for Yaris's as a lot of Asian families have them.


Nah, £3k sounds like a fair amount to spend on a first car.
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This is the reason I bought it, for the price. Secondly, I got quoted on a 998CC Micra E which was about a grand more then the yaris. £4200 with Bell.

Obviously minus the what I stated in the above post. I will definitely try the options you guys have mentioned and will let you know.
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The older drivers will help a lot, took my cheapest quotes on my old polo from £2300 to £900 :p

Absolute madness really but i'm not complaining!
 
Vita said:
I will definitely try the options you guys have mentioned and will let you know.
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Try them now! Make sure they are both old girls. Pick the parents of a random friend or whatever if you have no close family. Worse case - phonebook!

Also, use the 25% rule (that I just invented). Think you might do 10k this year? Put 7.5k, 7k if it's in whole thousands.
Kenai said:
The older drivers will help a lot, took my cheapest quotes on my old polo from £2300 to £900 :p
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My insurance would simply be unaffordable without the difference adding my parents makes.
 
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Vita, how do you know how well the car drives if you got a cousin to drive it back for you? I mean yeah you may have bought it from a dealer and test drove it but that's hardly enough to start proclaiming how well a car drives after a quick drive around the block is it? Unless the trader let you rag the nuts off of it.

Also;

Mileage wise, my 1.5L took £50 Shell Vpower for full tank, bit of fast and normal driving gave around 36MPG, still had half a tank coming to leeds from london. Can't go wrong with those cars, but the standard models do look a bit naff.
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Was that with your cousin driving then? You don't seem to be doing yourself any favours :p
 
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Parents bought a 1.3Sr new as it was cheaper to buy it new with everything they wanted than find a year old one (back in 2002). Great car, still going strong and as probably had less spent on it in maintenance than I pay for two rear tyres :(
 
MikeHiow said:
In that case, 22 years old, licence held for 1 year but 0 NCD, living at home, computer programmer, mum on insurance, FC with £350 excess £700/yr with Admiral.
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Your postcode I presume? Either way, there's not a chance in hell the postcode multiplier for Bradford is going to be more than 5 that of the IoW :p

I'm expecting a little under £2k myself.

EDIT: And a personal 'thank you' card! :p
 
PMKeates said:
Try them now! Make sure they are both old girls. Pick the parents of a random friend or whatever if you have no close family. Worse case - phonebook!

Also, use the 25% rule (that I just invented). Think you might do 10k this year? Put 7.5k, 7k if it's in whole thousands.
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I don't even think I'll hit 5k miles in the year. Just on my name with a voluntary excess of £750, 4000 annual miles, it's came down to £3200. I added my father just to see what price would be, didn't change. Will have a word with family but doubt anything will come of it.

EDIT: Cousin was driving. I'm not an idiot to go drive an uninsured car.
 
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I would like to know the reason actually as to why adding older drivers drops premiums so much? Is it simply because most insurance companies use just profiling machines? I mean surely they know people are just doing it to save huge amounts of money and in reality, the named drivers will never see the car let alone drive it!
 
Vita said:
I don't even think I'll hit 5k miles in the year. Just on my name with a voluntary excess of £750, 4000 annual miles, it's came down to £3200. I added my father just to see what price would be, didn't change. Will have a word with family but doubt anything will come of it.
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Add a woman called Betty Boo aged 50 with a perfect history and a license for 15+ years. Add another called Maryanne Toinette aged 51 with a perfect history and a license for 15+ years. The price should almost certainly tumble (make sure it recalculates).
Vita said:
http://www.thetelegraphandargus.co.uk/news/local/localbrad/8765434.Wibsey_man_s_shock_as_van_insurance_premium_soars_by___4_500/

This is what I mean.
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You mean his insurance went up 7.4%? Wow, what a shock. That's less than the train fare rises!
 
BD Bradford
1, 3, 4, 7 . . . . . . . . . . . . . . . . . . Refer
2, 9, 10 . . . . . . . . . . . . . . . . . . . F *
5, 11, 15, 19, 21 . . . . . . . . . . . . . . . D *
6, 8, 12-14, 16-18, 20, 22 . . . . . . . . . . E *
23-24 . . . . . . . . . . . . . . . . . . . . . A

A is best, F is worst, I assume 'Refer' means they'd literally laugh at you down the phone.

All of the Isle of Wight is ranked A for reference.
 
With 2 additional female drivers 50+ 15 years of holding their driving licence, it's dropped by £1k.
 
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