1.2 Punto, £24 grand for insurance.

Aeleys

Aeleys

Aeleys

Soldato
Joined
25 Aug 2010
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so yeah passed my test first time on the 05th, and now eager to get a little run about but with quotes like that it seems like ill never be able to drive alone, ever... :(

best i could get was just under 2 grand with co-op and there young drivers policy ( with named driver + black box rubbish)

but even that is almost impossible as my entire budget is 2 grand (untill i get a new job)

does anyone know any places that are cheaper? or should i just give up?
 
Congrats, especially on doing it first time. Also passed first time in Nov, is such a nice feeling :D

A mate of mine is with a company called iKube, it's his policy with his mum as a named driver. First time driver with a 1.4 Astra and its £1,850 a year fully comp. The down sides to this are there are "red hours" between 11PM and 5AM, you can drive in these, but you will be charged ~£100 per night (GPS box on car) which he's found a small pain, but not a massive limit. If you do get a quote, haggle, as his original quote was £2,100, but they brought it down after a bit.


Feel your pain though, £1,600 a year for a 1L 51 reg Nissan Micra, makes having any sort of decent car as your first near impossible unless you're loaded.
 
Voxination said:
Congrats, especially on doing it first time. Also passed first time in Nov, is such a nice feeling :D

A mate of mine is with a company called iKube, it's his policy with his mum as a named driver. First time driver with a 1.4 Astra and its £1,850 a year fully comp. The down sides to this are there are "red hours" between 11PM and 5AM, you can drive in these, but you will be charged ~£100 per night (GPS box on car) which he's found a small pain, but not a massive limit. If you do get a quote, haggle, as his original quote was £2,100, but they brought it down after a bit.


Feel your pain though, £1,600 a year for a 1L 51 reg Nissan Micra, makes having any sort of decent car as your first near impossible unless you're loaded.
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thanks! yeah i tried haggling, but they refuse to do quotes over the phone especially with them allready being the cheapest by far! - its a lose lose situation for me, since im gunna need a car to get work. even if it is a banger i dont care lol :p damn these blood sucking insurance companys :(
 
I meant the haggling as a specific to iKube, unless that's who you were referring to?

Yeap, unfortunately we do just have to live with bad cars for a few years lol :(. I'm guessing you're 17 still too?
 
Have a look at girly diesel cars

I am 21 and recently got a wee 1.4 diesel Citroen c3 and it's pretty cheap to insure (650 was 20 at the time and 0ncb as its a 2nd car)

Might be worth a look?

Other than that it's. Best to try put older females on the insurance too
 
Johnmcbob said:
Have a look at girly diesel cars

I am 21 and recently got a wee 1.4 diesel Citroen c3 and it's pretty cheap to insure (650 was 20 at the time and 0ncb as its a 2nd car)

Might be worth a look?

Other than that it's. Best to try put older females on the insurance too
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Age and post code factor in heavily. Being 21 over being 17 will drop your quote massively, even with 0 years NCB.

OP: You might want to try SwiftCover. They're the cheapest for me this year (£335, cheapest quote elsewhere was £390) but sometimes don't show up in the comparison sites; they do have a tight selection policy though.

If you're 17, wait until you're 18 - it'll save you a few hundred quid - it did for me anyway.
 
It might be worth doing pass plus, I don't know if it still has the effects on the quotes that it used to, but £80 course saved me £200, but that was a few years back now.
 
Voxination said:
Congrats, especially on doing it first time. Also passed first time in Nov, is such a nice feeling :D

A mate of mine is with a company called iKube, it's his policy with his mum as a named driver. First time driver with a 1.4 Astra and its £1,850 a year fully comp. The down sides to this are there are "red hours" between 11PM and 5AM, you can drive in these, but you will be charged ~£100 per night (GPS box on car) which he's found a small pain, but not a massive limit. If you do get a quote, haggle, as his original quote was £2,100, but they brought it down after a bit.


Feel your pain though, £1,600 a year for a 1L 51 reg Nissan Micra, makes having any sort of decent car as your first near impossible unless you're loaded.
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that s ridiculous so even if he was doing like a 40 mile journey each way at night, he would probably be cheaper getting a taxi than using his own car?

also how do they know it is him driving it at 11-5 and not his mum? if his mum took it out and forgot about the whole £100 thing, i bet he would be raging.

i would rather pay £2K+ tbh than £1.8K and £100 per night, because i think it would be worth the £200-500 to be able to use the car whenever you want.
 
andrewdodd13 said:
OP: You might want to try SwiftCover. They're the cheapest for me this year (£335, cheapest quote elsewhere was £390) but sometimes don't show up in the comparison sites; they do have a tight selection policy though.
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Ha! I'm 28, with 10 year's no claims and no points on my licence either. I've just tried to get a quote with Swift Cover for a 2003 1.6L Focus worth £1,200 I'm going to view tomorrow, and the best they could do was almost £1,100! :eek:

By comparison GoCompare (see what I did there?) came up with £472 with Churchill. I still think that's pretty bad considering 3 years ago I was paying £350 for a 2.0 diesel Mondeo with only 7 years NCB.

Insurance in this country's rapidly becoming a bad joke, probably thanks to no-win no-fee ambulance chasers and the untermensch that abuse the whiplash claim. :mad:
 
Wow insurance is just a joke nowadays.
My insurance cost just a little over my car when I had my car (long gone now). Unless you really need a car then it's not worth it imo.
 
Or, opt for a third party policy. There's zero use paying for a full comprehensive policy that's the same if not far more than the value of the car. NCB is still gained and any own fault accidents will be far cheaper to repair/replace than the entire policy and increased cost in future premiums due to claiming.
 
your better off passing your test at 17, buying a car for £50, get it insured using the cheapest quote you can find (full or 3rd party) and leave it sitting in your driveway for 2-3 years whilst you use public transport, then when your 19-20 with 2-3 years NCB, scrap it and get a car.
 
Psycho Sonny said:
your better off passing your test at 17, buying a car for £50, get it insured using the cheapest quote you can find (full or 3rd party) and leave it sitting in your driveway for 2-3 years whilst you use public transport, then when your 19-20 with 2-3 years NCB, scrap it and get a car.
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How ridiculous.

So you buy a car, you're insuring it and the only thing you need to add is fuel, but no, don't use the car you're spending £2k a year to insure - use public transport instead.

More on topic, I can't believe the kind of quotes young drives get these days. I think my first car (1.2 Corsa) was around £1k to insure for the first year - my second (2.0 Calibra) dropped to £800 and I don't think I've paid more than around £600 since. :o
 
MikeHiow said:
How ridiculous.

So you buy a car, you're insuring it and the only thing you need to add is fuel, but no, don't use the car you're spending £2k a year to insure - use public transport instead.

More on topic, I can't believe the kind of quotes young drives get these days. I think my first car (1.2 Corsa) was around £1k to insure for the first year - my second (2.0 Calibra) dropped to £800 and I don't think I've paid more than around £600 since. :o
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if you think a £50 car is going to be worth the hassle of running, then go for it ;), but cars use a lot more than fuel, tyres, break pads, oil, etc, which are all worth more than the car itself.
 
I think postcode plays a large part - when I bought my first car the difference between home (best-rated postcode, middle of nowhere) and Sheffield was about £1500-2000 in the quotes! Adding my Mum also bought down the quote by about £300, as she has about 30 years of NCB and is therefore a safe driver (probably). In fact, I've found she still brings down my insurance quotes even with 3 years NCB, although now it's only about £50 off. She still insists that I buy her a bottle of wine when I renew my insurance though :p
 
Psycho Sonny said:
if you think a £50 car is going to be worth the hassle of running, then go for it ;), but cars use a lot more than fuel, tyres, break pads, oil, etc, which are all worth more than the car itself.
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Is any of it even remotely significant compared to the £2k a year you're suggesting he throws away? No.

I mean, you're actually suggesting that he throws away say £5k over three years to save a couple of hundred quid when he actually starts using the car?

Do you even drive yourself?
 
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