Associate
talking of mileage , I up mine from 5000 to 7000 and it drop £20 explain that one ?
Any 17/18 year olds here which drive?
- Thread starter Resa69
- Start date
Associate
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- 16 Oct 2014
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- 82
what... how!? Mine just gets more expensive
Associate
My insurance is through a brokers, me and the lad on the phone added up my miles of just getting to work and back, it was 5640 miles a year , on the website i had put down 5000 miles , he recommended 7000 and the price dropped.
Don't know why lol
Don't know why lol
Soldato
Insurance is like a black art.. it's like it's all made up sometimes.
The driveway/road comparison is that if you park on the drive sometimes thieves break into houses to nick keys to steal the car.
Something to do with if you parked on the road it isn't always easily identifiable which house would have the keys for the car your looking to nick.
A friend of mine had his wifes focus broke into so they could roll it off the drive to break into the garage to nick his porsche, he thought she was joking when she shouted to him in the morning that her car was sat in the house across front garden :-0
Something to do with if you parked on the road it isn't always easily identifiable which house would have the keys for the car your looking to nick.
A friend of mine had his wifes focus broke into so they could roll it off the drive to break into the garage to nick his porsche, he thought she was joking when she shouted to him in the morning that her car was sat in the house across front garden :-0
Man of Honour
Does adding named drivers still reduce premiums for new drivers? I know adding my wife to my insurance policy brings it down by around £150!
Parking on the road is usually cheaper because would be thieves don't know what house to break into to steal your keys which are likely situated near the front door. If you're parked in the drive then you 100% live there and they know the keys are in that house.
Associate
- Joined
- 16 Oct 2014
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- 82
Adding just 1 named driver who's over 30 is the best for my insurance. In your first year it does make a massive difference. Only knocked off like £40 in my second year.
Man of Honour
Adding my parents to my quote knocked a few hundred off when I started driving. They never even set foot in the car.
Soldato
Road is less concealed for potential theft, not likely to hit your own gate reversing in, doesn't pin your car to a house for key theft etc.
Soldato
- Joined
- 30 Sep 2005
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- 16,557
is this why I don't see any of the boy racers anymore
back when I was 18, boy racers were everywhere, hundreds of them with the corsas running 22" alloys and 10" exhausts. There are literally zero in my city now...which is a good thing
Associate
Yeah I would say key theft is the big reason, modern cars are harder to steal so I bet a high % of thefts are house break ins where they steal the key and take the car off the drive
Soldato
The less miles you drive in a year, the more prone you are to an accident. There will be a break-even point where the more miles you do, the same is true. I'm guessing that point is closer to 7k than 5k.
Biggest influence on insurance price in my experience is postcode above all else. When I moved down south for uni, my premiums more than halved.
I'm 18, not long till 19.
First of all, do you really need a car? I didn't really need a car, I'll get one when over 20 as the premium drops by £700.
I recommend using confused as comparison site, have blackbox (its not that bad, but do read the policy!), don't add parents as it usually increases the premium for some strange reasons, check each car by reg sometimes the premium is £300 more even though its exactly the same car. But just do a quick search by my nickname (IC3) for threads here and you'll find answers to your questions as I asked all this before. GL
Edit
BTW My insurance for a 125 is £300 compared to 800-1200 for 1.2 corsa and £1650 for Honda Civic 1.6
First of all, do you really need a car? I didn't really need a car, I'll get one when over 20 as the premium drops by £700.
I recommend using confused as comparison site, have blackbox (its not that bad, but do read the policy!), don't add parents as it usually increases the premium for some strange reasons, check each car by reg sometimes the premium is £300 more even though its exactly the same car. But just do a quick search by my nickname (IC3) for threads here and you'll find answers to your questions as I asked all this before. GL
Edit
BTW My insurance for a 125 is £300 compared to 800-1200 for 1.2 corsa and £1650 for Honda Civic 1.6
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Associate
if you have had a moped or something with NCB some insurers like tesco let you use it
I went with DirectLine and got their telematics box to monitor my driving, was £1100 for year 1. Got it removed on my yearly renewal and was £675. That's with a non-fault accident; the box actually helped my case as I could prove I wasn't speeding onto a roundabout.
When i started driving i was put on parents policy as a named driver on direct line
After a year i moved that over to my now wifes policy as a named driver and drove her ar abit.
Then i stuck with directline because the use the named driver no claims as the main no claims on my own policy. so i have 5 years NCD when i started my own on my own car
After a year i moved that over to my now wifes policy as a named driver and drove her ar abit.
Then i stuck with directline because the use the named driver no claims as the main no claims on my own policy. so i have 5 years NCD when i started my own on my own car