Any of you 17 and insured?

Janesy B said:
Well £3k was just depreciation on the 207 so I don't see how that can include all the other running costs.
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The insurance was the only other real cost, petrol was naff all and it's not due a service until next month.

Wouldn't do it again though, it is a horrendous waste of money buying it new but that didn't matter to me at the time.
 
DiscoDave said:
But part of the method of becoming lower risk is gaining more experience and building up some NCB's, and if you can't get the ball rolling by paying the astronomical cost of car insurance when young, it's difficult to do.

My brother passed his test and got a car when he was 17, he had to pay something like £1300 insurance a year for a 1.0 metro. I passed when I was 21, and paid £800 for insurance on a 1.4 Rover 25. I don't really understand why I paid so much less considering at both points my brother and I had 0 "real world" experience, obviously my age came into the equation but that doesn't seem completely fair to me, just because someone is a bit older doesn't make them less of a risk with the same amount of driving experience.
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I think it does make quite a difference. Being 21 means you're quite a bit less likely to do stupid things tbh, plus you're in a faster car than your bro.

If you'd passed when you were 17, it would've cost you a fair bit less than that when you came round to actually insuring a car i.e. at 21.
 
Janesy B said:
Insurance Cost when 20: £1400
Insurance Cost when 21: £500

Makes a difference :)
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It never normally makes that much difference, and it never normally costs £1400 to insure a 1.25 Fiesta at 20 (I insured my Mondeo, mods declared, for a lot less than that yet more than your 21 figure at 21) so I suspect you simpled failed at shopping for insurance aged 20 :p
 
I live in a high risk postcode area. I passed at 20 so had no experience or NCB. If I change my postcode to a lower risk area, my premiums halve.

That was for a IG4 MK6 Escort (1.3 lol) and I spent a whole day on the phone playing insurance companies against each other. I really didn't fail and it was the cheapest after phoning a whole load of 'specialist' brokers. The second year for the same car was £500, the only difference being 1 year NCB + experience and turning 21.
 
scott212 said:
... 1.4 Polo .... £3000 - £15,000 ... They might as well raise the driving age to 18 if that's what you're expected to shell out :rolleyes:

Cheers
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Lucky you. I'm 18 and I'm getting quotes from £4800 to £19000 for a 1999 1.0 Micra.

A 1.4 clio gave me quotes from £9000 to £19000.

I've given up on driving lol. Realistically, No car for me until I'm 30 years old and in a decent job. :(
 
asim18 said:
Lucky you. I'm 18 and I'm getting quotes from £4800 to £19000 for a 1999 1.0 Micra.

A 1.4 clio gave me quotes from £9000 to £19000.

I've given up on driving lol. Realistically, No car for me until I'm 30 years old and in a decent job. :(
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You suck.

Who are you getting these quotes from?
 
schnipps said:
A fifty pound excess and your 19? There is a young drivers compulsory excess of sometimes £400 which i think you may have missed, there arent many insurance companies that will give a 50 quid excess to anyone never mind a 19 years old with 0ncb, i would check your policy.
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Not when it's TPFT... you only pay an excess if your car catches fire or gets stolen, in which case the age of the driver is irrelevant.
 
asim18 said:
E15
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I just got quotes of £2k for a 1.0 Micra. So nowhere near as bad as what you think. It's probably because you are a college student. Get a full-time job and that'll drop.

You also happen to live in a ****hole, so you might want to address that too ;)
 
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