Car Insurance at 17...

metamorphpwner · 26 Aug 2011 at 16:09

Justin said:
Aviva seems to be quite cheap for young drivers. They also count the amount years you've had your licence as the years since you were issued with your provisional licence.

yeah aviva are good, £750 at 22 for a fiesta st, licence for 3years and not a bad area.
all my other quotes where around £1500 minimum

Hxc · 26 Aug 2011 at 17:05

metamorphpwner said:
yeah aviva are good, £750 at 22 for a fiesta st, licence for 3years and not a bad area.
all my other quotes where around £1500 minimum

That sounds crap to me? I am 19 and pay £100 more fully comp on an MX5 with a fault accident and 1 years NCB.

NathWraith · 26 Aug 2011 at 17:08

Hxc said:
That sounds crap to me? I am 19 and pay £100 more fully comp on an MX5 with a fault accident and 1 years NCB.

Not really mate. ST's aren't cheap to insure. Plus they have a larger engine & power than your MX5.

MX5's aren't generally driven by hooligans, unlike ST's, well kinda

Tr1p · 26 Aug 2011 at 17:09

Hxc said:
That sounds crap to me? I am 19 and pay £100 more fully comp on an MX5 with a fault accident and 1 years NCB.

As your 19 too, did you ring up Footman James for your quote they gave you? Just the website say's you have to be over 25...

Or have I gone wrong somewhere.

Hxc · 26 Aug 2011 at 17:10

NathWraith said:
Not really mate. ST's aren't cheap to insure. Plus they have a larger engine & power than your MX5.

MX5's aren't generally driven by hooligans, unlike ST's, well kinda

Ahhh christ, I just read Fiesta and missed ST, in which case that's a damn good price. Ignore me

I'm with bell to the above, nobody else would touch me on the MX5 and none of the specialists could believe the quote

Was insured with FJ at 17 though, just call them and they will quote you happily over the phone; the majority of the restrictions on the site do not apply over the phone

GTAMADDOG · 26 Aug 2011 at 20:59

I looked at quotes immediately after passing my test last Friday and I had quite a few around the £1500 mark, even some at £1400. 19 years old, Fully Comprehensive with £250 excess on a Peugeot 306 HDI Dturbo, but I'm in what I'd class as a pretty decent post code I suppose.

Didn't go with any of those in the end as I'm already with Quinn and they offered to change me to a full license holder and only wanted £340 to carry me over until the end of January when my insurance renewal is. I'll be 20 years old then, so hopefully the full year's renewal price will be a bit closer to £1000.

Dabbles · 26 Aug 2011 at 21:14

Haha, just done a quote on my car for a 17 year old who passed his test a month ago, living in my street. The most expensive was £52000 (fifty-two THOUSAND pounds) and the cheapest was £35000 (thirty-five THOUSAND pounds)! :eek:

steve1873 · 26 Aug 2011 at 22:58

Eliot said:
Yes basically, thing is that the young motorist these days is essentially forced to have fronted insurance by ridiculous prices.
About 7 years ago a 17 year old could insure a mr2 turbo for about 900 quid. I cant even do that and I'm 21 with no claims

Trust me, they couldn't.

I was £1800 at 21 for my MR2.

And that was 8, nearly 9 years ago.

alexisonfire · 26 Aug 2011 at 23:36

I assume its brad you're talking about, i started off as a named driver on my first car, hes probably best doing this, pretty sure direct line give NCB to named drivers too?

Insurance seems pretty bloody random at the moment, i got a (serious) quote on a 1991 318is, cheapest i got was £1500, and for a random test, i got a quote on an 11 plate RS6 and it was £1900.

[TW]Fox · 26 Aug 2011 at 23:38

alexisonfire said:
I assume its brad you're talking about, i started off as a named driver on my first car, hes probably best doing this

No, he's not best doing this at all. With almost all insurers, this is illegal.

Westyfield2 · 26 Aug 2011 at 23:40

alexisonfire said:
i started off as a named driver on my first car,

alexisonfire · 26 Aug 2011 at 23:43

[TW]Fox;19930229 said:
No, he's not best doing this at all. With almost all insurers, this is illegal.

Of course my recommendation was based purely on the basis, that the car belongs to the policy holder, and that the policy holder does a significant percentage of the overall mileage in the vehicle

alexisonfire · 26 Aug 2011 at 23:51

Westyfield2 said:

I will state i didn't actually own the car, and was driving it only when learning. My car i had when i actually passed my test belonged to me, and i was TPFT

The_Abyss · 27 Aug 2011 at 00:13

I started driving 21 years ago, and paid £950 in my first year to insure my £2,200 Vauxhall Nova Club - the first car I bought myself and insured myself. Kids think they've got it bad these days - it is pretty much just the same.

My salary that year was £10,500, so insuring, taxing and fuelling my car took up a large chunk of my available cash.

steve1873 · 27 Aug 2011 at 14:21

The_Abyss said:
I started driving 21 years ago, and paid £950 in my first year to insure my £2,200 Vauxhall Nova Club - the first car I bought myself and insured myself. Kids think they've got it bad these days - it is pretty much just the same.

My salary that year was £10,500, so insuring, taxing and fuelling my car took up a large chunk of my available cash.

It is far worse nowadays. New drivers are getting quotes that are often 3 or 4 times the actual value of the car they are trying to insure.

I'm dreading turning 30 next month, but at least I can console myself with the fact that I passed my test at a time where it was at least affordable (albeit still expensive) to insure a car and now I have a good no claims history.