26yr old = High insurance cost?!

DragonWoLf · 23 May 2012 at 20:34

Ok sure I've recently passed so that would be one big reason but just went to gocompare for a Rover 100 1.1i Kensington 95' N Reg and I get quotes between £2k to £2.5k for a 26 yr old, that a norm?

[TW]Fox · 23 May 2012 at 20:35

No, that is not the norm. At all. It's not even approaching the norm.

DragonWoLf · 23 May 2012 at 20:43

Now I've read that postcodes play a part but my dad and few others near where I live have cheap insurance and this area is pretty safe :/

PikeyPriest · 23 May 2012 at 20:48

Something is very wrong with the quote.

I paid 1.2k 3 years ago for a 2.0 diesel focus at 23 in an average post code.

Play around with the settings a bit and see what happens. - ie try garage, not garage, street park...etc

Still not sure why it would ever be soo high. Make sure you add your mum and dad as 2nd drivers aswell (useful for them borrowing/moving the car) and can pull the price down.

Kenai · 23 May 2012 at 20:49

If I didn't have my parents on my insurance, that was the sort of price I was looking at having just passed at 23 in a B rated postcode.

Fr0dders · 23 May 2012 at 21:00

one of two things

1) you're using a postcode that the insurers class as the same level as Manchester's Moss Side

2) for some bizzare reason that car has an absurdly high claim rate which has pushed up premiums.

TripleT · 23 May 2012 at 21:13

Ha, trust me, Manchester's high premiums aren't exclusive to moss side

Many insurers flat refuse M postcodes.

miniyazz · 23 May 2012 at 21:21

..and this is why one should always pass their test asap, even if they don't intend to use their license for years.

Try classic car insurance.

"andy" · 23 May 2012 at 21:25

What cover are you quoting for ? On comparison sites I get bizarre quotes like that if I ask for third party

poker_999 · 23 May 2012 at 21:26

your 26 and you want to drive a 17 year old rover?

breadturbo · 23 May 2012 at 21:34

OP, Have you tried adding others to the insurance?

My 18yr old brother has just passed his test, and was quoted 1.9k by himself TPFT for a 51 plate saxo vtr, by just adding my name on its down to 1.3k.

Also in a dodgy area, Leeds

Phil W · 23 May 2012 at 21:45

miniyazz said:
..and this is why one should always pass their test asap, even if they don't intend to use their license for years.

Try classic car insurance.

What difference would that make? If they didn't own a car, they wouldn't accrue any NCB anyway... They would be in exactly the same position now :confused:

LeMson · 23 May 2012 at 21:46

Try different cars, I get wildly different quotes on different cars, subaru sti £2500+ an evo £1200 O_o

Phil W · 23 May 2012 at 21:46

breadturbo said:
OP, Have you tried adding others to the insurance?

My 18yr old brother has just passed his test, and was quoted 1.9k by himself TPFT for a 51 plate saxo vtr, by just adding my name on its down to 1.3k.

Also in a dodgy area, Leeds

I did this with mine. To start with i had my mum on the policy, when i moved in with my wife (then fiancé), i added her instead. Even though she had a claim to her name she still brought the price down

Fr0dders · 23 May 2012 at 21:56

poker_999 said:
your 26 and you want to drive a 17 year old rover?

If somebody just wants "a car" to drive them to work, why not ?

My manager has a salary in excess of 50k and drives round in a battered 10 year old peugeot 206. He doesnt like cars ,and just merely perceives them as a way to get you from A to B.

Kenai · 23 May 2012 at 21:57

Phil W said:
What difference would that make? If they didn't own a car, they wouldn't accrue any NCB anyway... They would be in exactly the same position now

You sometimes get cheaper prices just for being able to put a long date on your license period, I suppose they assume you were driving company cars etc. etc.

TripleT · 23 May 2012 at 21:58

Phil W said:
What difference would that make? If they didn't own a car, they wouldn't accrue any NCB anyway... They would be in exactly the same position now

Not really, I'm willing to bet that someone who passed their test at 17 but has never had their own insurance until 26 is cheaper than a 26y/o who's just passed their test. They take in to account how long you've had you license too. Obviously it isn't on the same scale as NCB though.

Eliot · 23 May 2012 at 22:08

the above is 100% true
hes got a gti-6 too, On the money that one

miniyazz · 24 May 2012 at 07:50

Phil W said:
What difference would that make? If they didn't own a car, they wouldn't accrue any NCB anyway... They would be in exactly the same position now

Oh ya? Then explain this:
0 years' driving:

6 years' driving:

All other parameters, including no claims bonus, were kept the same. The car is very average.

[TW]Fox · 24 May 2012 at 08:11

Phil W said:
What difference would that make? If they didn't own a car, they wouldn't accrue any NCB anyway... They would be in exactly the same position now

No, they really wouldn't. Years driving make as much if not more of a difference than NCB. Which is why I only paid £1.2k to insure my car years ago when I lost all my NCB.