Is insurance really that ridiculous for new drivers?
- Thread starter Fuzz
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Hmmm I paid £650 or so for a 1.3l Mk3 Fiesta about 7 years ago for my first car. Has insurance really risen 4 fold since then?
Very much so, I was getting quotes of £2000+ with mainstream insures, all of my friends paid £1800-£3000 for theyre first year
Best thing to do, is his buy a car
'to use on the weekends as his car is for business only use'
and out his son on it as a temporary driver (NOT named). im insured on my mums 1.4 astra for £40odd per month, where if i had my own insurance it would cost well over £3000.
you do have to renew the temp insurance every month though, but this works perfectly if youre at uni, because you only need it during breaks. (im 19 and male)
'to use on the weekends as his car is for business only use'
and out his son on it as a temporary driver (NOT named). im insured on my mums 1.4 astra for £40odd per month, where if i had my own insurance it would cost well over £3000.
you do have to renew the temp insurance every month though, but this works perfectly if youre at uni, because you only need it during breaks. (im 19 and male)
Hmmm I paid £650 or so for a 1.3l Mk3 Fiesta about 7 years ago for my first car. Has insurance really risen 4 fold since then?
Yep when i was 17 I was getting close to 4k
Now im nearly 19 im getting them for about £1800. So yeah...not good!
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Soldato
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The advantage from my perspective at the moment...
Is I'm what, £1.3k for main driver on my car in my name... My parents are paying the insurance... means in two years time when I'm out of uni, I'll have a nice NCB to use... not that I'm sure it'll make a huge difference as I still won't quite be 25...
kd
Hmmm I paid £650 or so for a 1.3l Mk3 Fiesta about 7 years ago for my first car. Has insurance really risen 4 fold since then?
It's definitely doubled for young drivers.
The average quote for a 17 year old is about £2k.
Unfortunately, i didnt get a car in time before insurance climbed, and having a car in Oxford is frowned upon by the council
and your parents pay your insurance? lucky sod!
Yep, insurance sounds ridiculous in the UK, I payed 450 ish for a V6 when I was 19. A simple ford fiesta would be 230 euros per year to insure for me.
Then again, you have extremely cheap road tax and cheaper fuel to make up for it.
Then again, you have extremely cheap road tax and cheaper fuel to make up for it.
Soldato
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Unfortunately, i didnt get a car in time before insurance climbed, and having a car in Oxford is frowned upon by the council
and your parents pay your insurance? lucky sod!
Yeah, I know.
Think insurance is up for renewal soon, so would be interesting to see how the price may have changed a year on...
kd
The thing is it's become to the point where poor 17 year olds wanting a bit of independance and a car (who doesn't?) simply are going to not be able to drive. Harsh but true. I dread to think what my life would have been like not being able to drive until 25 years old. Seriously. The amount of things I wouldn't have done. Really sad. I have young children and like to think that come 10 years time there will be a solution. It can't just keep rising surely. Maybe it can. Bit depressing for younguns.
to an extent from what I can see ifs a play off between engine size and what people are racing around in my first car 1.3mk2 polo was 1200 but a mk2 golf with the same engine was 2k! However a year later the ovlov 440 1.9tdi was only 900 to insure to start with a tiny engine gets you cheap insurance, those little Hyundai shopping carts can be got cheap and they cost pennies to insure
This is simply not the case, it used to be - not anymore though.
wait a minute, cheaper fuel, where?
Fuel prices in this country have risen almost 100% in 10 years
as for insurance, I pay more for a 1.8 diesel focus at 30 with full no claims and clean driving history than i did for a modified R5 Turbo at 18. christ I was paying under a grand for a cosworth at 19
i feel for young drivers these days, impossible to insure anything decent unless your a millionare it seems.
Soldato
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Yes its expensive.
But, you have to play the game a little and you can drop it down thousands.
So, where do you keep you car? Driveway. not street, and other similar questions that just push the price up.
Also, Get an older female on the insurance!!
Ive got my car in my name so everything is legit, but for me 21, with the bmw e36 1.9.. they want well over 3,5k.
With both my sisters also on there, who are both over 25 with over 4-5 years driving as secondary drivers (and they do actually drive it every now and then in sticky situations) the price of insurance falls like a bag of sand.
I now pay just sub of £900.
Still a lot, yes, but compared to £3500. No.
You have to play the game.
But do not put the car in anyone else's name, or them as the main drivers, because its just not worth being found out about!
Make sure its legit.. but you've got to think smart!
But, you have to play the game a little and you can drop it down thousands.
So, where do you keep you car? Driveway. not street, and other similar questions that just push the price up.
Also, Get an older female on the insurance!!
Ive got my car in my name so everything is legit, but for me 21, with the bmw e36 1.9.. they want well over 3,5k.
With both my sisters also on there, who are both over 25 with over 4-5 years driving as secondary drivers (and they do actually drive it every now and then in sticky situations) the price of insurance falls like a bag of sand.
I now pay just sub of £900.
Still a lot, yes, but compared to £3500. No.
You have to play the game.
But do not put the car in anyone else's name, or them as the main drivers, because its just not worth being found out about!
Make sure its legit.. but you've got to think smart!
Driveway pushes my quotes up, street is cheaper for me.
Same with tracker, it pushes it up. Just didn't declare the factory tracker as I haven't paid for a sub on it anyway.
Soldato
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Is your driveway actually a slipway into the sea?