Insurance question...

James H

James H

James H

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Joined
19 May 2005
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Location
Brum
Whats poppin,
I'm 17 right and I've passed my theory last month, I'm booking my test after two more lessons (two weeks) on the advice of my instructor and I will hopefully have my license next month. I'm getting my moms crappy 2000 (W Reg) Nissan Micra 1.0 Celebration (which she paid 8k for new!!! I tried to stop her) but a cars a car and it's free so I'm not complaining and it's only done 40k miles and I know it's been well looked after and serviced etc so not a bad deal really.

What I want to know is, how much would fully comp insurance be for me as the policy holder on this car? It's a group 3 insurance so as low as they come really. Anything up to £2000 is acceptable but my mom wouldn't be too happy about paying any more. I want fully comp cause I wanna start my own no claims bonus straight away from 17 and i figured I might as well go for fully comp and milk it, because my moms only paying for my first year insurance and she did it for my sister too.

Now the concerning thing is I've done a few quotes, I live in a good (posh even) neighbourhood, car will be kept on drive, 6k miles a year est. and I've been getting quotes for £3400 FOR A 1 LITRE 6 YEAR OLD NISSAN MICRA!!!

My parents paid for my sisters fully comp insurance when she first passed her test when she was 19 on her car (a 1400cc 2005 Nissan Micra SX, a fair bit faster and newer/more expensive than mine) and she went with Tesco fully comp for £1400.

I'm a much better driver than my sister and I ain't even passed my test yet, everyone says I've got skills and yet I get £3400 fully comp quotes.

Anyone recommend any cheap/decent insurers and can someone confirm that £3400 is ridiculous??

Sound
 
On a car like that I'd do pass plus and insure with Norwich Union, should be less than a grand third party fire and theft. No idea about fully comp though, but £3400 is ridiculous on a 1.0 Micra.
 
3400 is ridiculous....

If you're looking at fully comp before you passed your test on your own policy, i'd be surprised if you can get it under 1.5k. Good places to try are in my experience are Directline, Norwich Union, Endsleigh, Tesco.

Just take your time, and try absolutely every company you can find.
 
Thanks guys, I have been getting quotes for a full license, not a provisional by the way, I will insure it once I've passed my test, I know it's expensive for a 17 year old lad with accident statistics and all that but I got as high as £4500. I know I need to shop around though and I intend to do that.
 
phone up. internet quotes for 17 year olds are COMPLETELY useless from my experience. It'll be sub 2k if you shop around :)

Tom.
 
These question crop up all the time and the answer is always the same, we can give an indication what we think you should be paying, but without knowing the details you give we can't give you an accurate guide. Try confused.com for a good internet quote, they farm out to loads of different internet sites so you should get a good guide as to a cheapish quote, I would still go to more though, and having got a quote form confused, to find the cheap ones, try there the internet brokers direct, and try a lot of brokers, the longer you look the cheaper you will eventually find.

Still having said all that, I banged through some random 17 years old data, for that micra and a TPTF quote - I got about £1900 form Endsliegh. Try it yourself for a better guide as I have real no idea on all of your details and that will make a big difference (up or down in price).

edit. didn't see the fully comp thing first time round.
to be honest, i would forget about fully comp at 17, how much is that micra worth? i bet it's not the difference in the price for fully comp and TPTF.
 
aztechnology said:
I banged through some random 17 years old data, for that micra and a TPTF quote - I got about £1900 form Endsliegh.
Click to expand...

Thats still a shocking price, I paid around that for a group 7 Saxo VTR at 17 third party. And thats about the most crashed boy-racerish bad reputation car you can buy :p
 
aztechnology said:
Still having said all that, I banged through some random 17 years old data, for that micra and a TPTF quote - I got about £1900 form Endsliegh.
Click to expand...

I paid £700 TPFT for a 1.6 306 at 18 with 0 NCB and under a year's experience. (With Endsleigh)

Fully comp (even on a 2 grand car like mine was) seems to add a fair bit when you first start driving. It seems to have less effect as you get older (in my experience)
 
3400 is ridiculous yes, but even 2000 is stupid money! shop around! pass plus and adding parents did nothing to help my policy out and in the end i managed to come across a cheap quote - £957 for a 1.25i 16v fiesta mk4!! thats without any pass plus and just on my own policy (17 also so 0Ncb)... Everyones dealings with insurance companies are completely different from eachother so best thing to do is carry out as many quotes as you can (online/phone whatever, i didnt see any price difference between the two)...

but do not pay anything near £2000 for a 1 litre micra!
 
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