Just bought a New Car - insurance troubles!

chet84

chet84

chet84

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Joined
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Posts
1,508
Location
Coventry
Hi guys and gals - just bought a new car - a ford focus zetec climate 1.6l TiVCT. The only reason is I got it for a really good price! I've been looking around for insurance and the cheapest I can get is £2000 - is this normal?

I'm 21 DOB: 31/12/84
0 no claims
Driving for less than a year - 7 months

Any ideas, recommendations guys?
 
I know its no help and too late now, but ALWAYS get insurance quotes before buying anything, the above is a prefect example of this.

Best advice is phone around as many insurance companys as you can, no-one can tell you who will be best cause the best insurance company for an age group doesn't exist.

So you better get hitting the phones and hope someone comes up with a good quote....
 
Haven't tried barclays - will try that!

I did tbh - i knew it would be around £2000, just wanted to know if thats normal. I would have though being over 21 would have counted for something!
 
Firestar_3x said:
I know its no help and too late now, but ALWAYS get insurance quotes before buying anything, the above is a prefect example of this.

Best advice is phone around as many insurance companys as you can, no-one can tell you who will be best cause the best insurance company for an age group doesn't exist.

So you better get hitting the phones and hope someone comes up with a good quote....
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I knew it would be £2000 ish - did it before I bought the car. Just wanted to know if that was about right (roughly :confused: )
 
Shamefully cut 'n pasted, but

THE INSURANCE SECTION

Admiral 0800 600 800 http://www.admiral.com/
Adrian Flux 01553 777 240 www.adrianflux.co.uk/
AON 01384 552 670 www.aon.com
A-Plan 0845 071 123 www.aplan.co.uk/
AXA 0800 015 4292 http://www.axa-motor.co.uk
Bell Direct 0800 140 180 www.belldirect.co.uk/
Bennetts 0990 202090 www.bennetts.co.uk/
Bugdet 0800 028 9044 www.budgetinsurance.com/
Catterall 01254 695 055 www.chris-thompson.co.uk/
Churchill 0800 200 331 http://www.churchill.com
Cis 08457 464646 www.cis.co.uk/
CoverSure (RallySure) 01829 733 880 www.dmatters.co.uk/
Crowthorne Insurance 01344 771626 www.crowthorne.co.uk
Direct Line 0845 246 8701 http://uk.directline.com/
Elephant 0870 6080668 http://www.elephant.co.uk
Endsleigh 0800 028 3571 http://www.endsleigh.co.uk
Footman 0121 651 6250 www.footmanjames.co.uk
Graham Sykes 0870 444 6319 www.graham-sykes.co.uk/
Greenlight 01277 263 030 www.greenlight-insurance.co.uk/
Hill House Hamond 01733 310899 www.hhh.co.uk/
Keith Michaels 0181 642 7868 www.keithmichaels.co.uk
Lifesure (good for imports, 25+ only) WWW.LIFESURE.CO.UK
Liverpool Victoria 0800 514 514 http://www.liverpoolvictoria.co.uk
More Than 0800 072 4186 http://www.morethan.com
Motor Quote Direct 0800 48 44 33 http://www.motorquotedirect.co.uk/
Nash Warren 0121 561 4484 www.nashwarren.co.uk/
Norwich Union 0870 242 0800 www.norwichunion.com/
Peart 0870 240 2972 www.peart.co.uk/
Peoples Choice 0800 614 824 www.peopleschoice.co.uk/
Performance Direct 08704 203896 www.performancedirect.co.uk/
Privilege Insurance 0113 292 5555 www.privilege.com/
Quinn Direct 0845 850 0845 www.quinn-direct.com/
QuoteLine Direct 0870 444 0870 www.quoteline-direct.co.uk/
RAC 0845 3000 755 http://www.rac.co.uk
Sainsburys 0800 032 0000 www.sainsburysbank.co.uk/insurance/
Sky Insurance (good for mods) www.skyinsurance.co.uk
Tesco's 0845 300 9900 http://www.tesco.com
The AA 0870 606 0483 http://www.theaa.com
Hastings Direct 0800 00 1066 http://www.hastingsdirect.com
Esure 0845 603 7873 http://www.esure.com
Halifax 0845 608 9913 http://carinsurance.halifax-online.co.uk
Eagle Star 08459 45 45 67 http://www.eaglestar.co.uk
Lloyds TSB 0800 056 3040 http://www.insurance.co.uk
Screen Trade 0800 435 207 http://www.screentrade.co.uk
Its4me 0870 0131 464 http://www.its4me.co.uk/
The Insurance Centre 0709 2511050 http://www.theinsurancecentre.co.uk
 
My brothers insurance quote went down by about 600 quid once he hit 21. He did a quote a week before his 21st but didn't pick up the car on the day he'd planned so got requoted for the day after his 21st. It still amazes me that insurance companies consider you least of a risk being 21 years and 1 day old than being 20 years and 355 days old.
 
Scottland said:
As already mentioned if you get a quote with Admiral/Elephant then add on someone older that has had their license donkeys years with umpteen NCB (e.g. a parent) and it should reduce the quote by quite a bit.
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Much of the advice on this thread- I dont think NCB of the additional driver makes a difference and most insurers don't ask for it. The age and number of year will help though
 
hummaia9 said:
Much of the advice on this thread- I dont think NCB of the additional driver makes a difference and most insurers don't ask for it. The age and number of year will help though
Click to expand...

Yes probably quite true, but IIRC they will ask if any drivers have had an accident in the last xx years, so not so much the amount of NCB they have, more the clean history I suppose.
 
chet84 said:
Just wanted to know if that was about right (roughly :confused: )
Click to expand...

Personally give your age / lack of NCD / i would say that quote is in the right ballpark, you might get it down to 1600 if you shop around hard, remember limit the miles on the policy (To what you expect to do) add another driver (Woman) might lower the quote.
 
Firestar_3x said:
Personally give your age / lack of NCD / i would say that quote is in the right ballpark, you might get it down to 1600 if you shop around hard, remember limit the miles on the policy (To what you expect to do) add another driver (Woman) might lower the quote.
Click to expand...


I dunno, I was 22 when I insured the 307 for £950 with NUD. I had my license a similar amount of time also, and that was with 20k miles declared on the policy.
 
When i was 22 with 0NCD my clio was costing me £900 year with 0NCD and i'd had my licence for 3 - 4 years, its the luck of the draw, no-one liked me when i was 22 with 0NCD, i live in a good insurance area as well.
 
Firestar_3x said:
When i was 22 with 0NCD my clio was costing me £900 year with 0NCD and i'd had my licence for 3 - 4 years, its the luck of the draw, no-one liked me when i was 22 with 0NCD, i live in a good insurance area as well.
Click to expand...


Actually, now I remember I used the fact that I had my provisional for about 4 years before getting my full license, and NUD allow you (or at least they used to) to use the total time you've had a license, including a provisional.
 
Give moneysupermarket a whirl. Excellent site.

Scottland said:
Actually, now I remember I used the fact that I had my provisional for about 4 years before getting my full license, and NUD allow you (or at least they used to) to use the total time you've had a license, including a provisional.
Click to expand...
Is a provisional licence even valid for 4 years?
 
chet84 said:
Hi guys and gals - just bought a new car - a ford focus zetec climate 1.6l TiVCT. The only reason is I got it for a really good price! I've been looking around for insurance and the cheapest I can get is £2000 - is this normal?

I'm 21 DOB: 31/12/84
0 no claims
Driving for less than a year - 7 months

Any ideas, recommendations guys?
Click to expand...
I bought a Lotus Elise
icon14.gif


(Ok I'd been driving longer than you)

D'oh, this is insurance, not a car thread.

Try Elephant, I insured the above with them for £1200.
 
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