Look before you leap - Insurance

Clearcut · 9 Feb 2011 at 20:06

Got quotes last week for a car on a provisional license (test next week) Came out at £740 per year. Thought 'not bad' so bought the car. Did a quote out of interest to see how much it would fall after I pass my test and get a proper license and was shocked to see it doubles. I could manage £740 per year but £1,500 aaaaargh!

Luckily this will be recovered from the price of driving lessons but I can't believe the difference in price and that it was actually more.

Janesy B · 9 Feb 2011 at 20:14

Why does it come as a shock that insurance doubles when you drive unsupervised?

neil3k · 9 Feb 2011 at 20:20

mine didn't but then again im not the main driver

Clearcut · 9 Feb 2011 at 20:23

I just assumed once you had a license to prove you could actually drive, you wouldn't be so risky. I realise now that the first few times alone after passing are probably your most risky. Basically I didn't think.

Trifid · 9 Feb 2011 at 20:54

Clearcut said:
Basically I didn't think.

I think that may be the reason why insurance is so high for young drivers. (Said by a young driver...)

Nodiggidy123 · 9 Feb 2011 at 20:58

remember to put you mum as a named driver on your policy even if she never drives it. lowers most premiums iirc

Lethal` · 9 Feb 2011 at 21:00

Clearcut said:
I just assumed once you had a license to prove you could actually drive, you wouldn't be so risky. I realise now that the first few times alone after passing are probably your most risky. Basically I didn't think.

More than your first few times, not having another supervising driver next to you makes a whole load of difference.

Nodiggidy123 said:
remember to put you mum as a named driver on your policy even if she never drives it. lowers most premiums iirc

Yeah give it a test with lots of different variables, parked on drive/street, add 1/2 named drivers (could be more expensive or a lot less with two). Insurance variables give completely unexpected outcomes sometimes.

Howard · 9 Feb 2011 at 21:04

I almost rear-ended someone the very first time I drove by myself after passing my test about an hour earlier. That's why your insurance goes up

sovietspybob · 9 Feb 2011 at 21:26

Yeah i came within about 1 foot of mashing into the side of a bus the very first time i was out on the road on my own

good times...

Clearcut · 9 Feb 2011 at 23:00

Trifid said:
I think that may be the reason why insurance is so high for young drivers. (Said by a young driver...)

That's the problem, I'm 44. I thought it would be lower as I have no inclination to 'boy race'

phi1 · 9 Feb 2011 at 23:03

Clearcut said:
That's the problem, I'm 44. I thought it would be lower as I have no inclination to 'boy race'

What car are you looking at for 44 it should be well below the 1k mark unless it's high power sports car!

Clearcut · 9 Feb 2011 at 23:05

Just got a 2000 1.6 Megane cabriolet. Basically a cheap convertable that I can squeeze one or two passengers in. Prob wrong choice but it was absolutely mint, full leather etc, had to have it.

mbmbmb · 9 Feb 2011 at 23:07

Nodiggidy123 said:
remember to put you mum as a named driver on your policy even if she never drives it. lowers most premiums iirc

Give him some roll eyes or something so he can tell your joking or he might think your serious!

You are joking right???

phi1 · 9 Feb 2011 at 23:10

try admiral, add your mum your dad your partner anybody who drives to the policy and it should bring it down. Also give adrian flux a ring I will be very supprised if you can't get insured for less than a grand being 44 and nothing special car. I was expecting you to say some fast sports car.

Janesy B · 9 Feb 2011 at 23:20

MatthewNCB said:
Give him some roll eyes or something so he can tell your joking or he might think your serious!

You are joking right???

What makes you say that?

Jono8 · 9 Feb 2011 at 23:21

Janesy B said:
What makes you say that?

Maybe because his mum is likely to be 70 or older....

andy_mk3 · 9 Feb 2011 at 23:22

Did you not get a quote for a full license?

Mine went from ~£1000 to £2200 on a 1.6 astra when I passed.

Clearcut · 9 Feb 2011 at 23:31

phi1 said:
try admiral, add your mum your dad your partner anybody who drives to the policy and it should bring it down. Also give adrian flux a ring I will be very supprised if you can't get insured for less than a grand being 44 and nothing special car. I was expecting you to say some fast sports car.

Thanks phi1.
I initially got an Admiral quote through Money Supermarket.com which came out at £1,350. Just got a quote direct from Admiral's website with my sister included as a secondary driver and it's come out as £793.38. Good stuff.

mbmbmb · 9 Feb 2011 at 23:43

Janesy B said:
What makes you say that?

Simple

I incorrectly read him recommending to list his mum as the primary
Wasnt paying enough attention due to tiredness!

phi1 · 10 Feb 2011 at 00:03

Clearcut said:
Thanks phi1.
I initially got an Admiral quote through Money Supermarket.com which came out at £1,350. Just got a quote direct from Admiral's website with my sister included as a secondary driver and it's come out as £793.38. Good stuff.

No problem is that once you have passed your test if so brilliant have a play if there is somebody else you could also add to the policy it would most likely reduce it further they don't actually have to drive the car just being on the policy.