Just bought a New Car - insurance troubles!

I also found that putting your annual mileage below 7k always drove the quote down.

Obviously if you do loads of miles then this could be construed as being a bit dishonest ;)
 
Bell.co.uk were good for me when I had 0 ncb and was 18, it was £1600 just after an accident with on my fiesta, and now with 1ncb it's £1150 with DOC wooop.
 
Seems quite expensive. For me (21, 0 NCB) a Prelude 2.2 VTi is only £1600 fully comp, which doesnt seem too bad, and a 2.0 Mondeo Ghia X is 900.
 
When I was 20 with 0 yncb insurance on a group 9 Accord Sport was £850 with elephant.
Now I'm 21 with 1 yncb insurance on my group 16 Accord Type-R is £800ish with admiral.
2k is FAR too much to be paying!
 
Put your mum or dad on the policy as well(so they are a second driver) you will find that for some reason with one of them added the premium drops.
 
depending on how much you paid for the car or how much its worth consider going TPFT instead of FC, this should lower the price a bit.

As has been said, put another driver on as a named driver, preferably female. My g/f is the same age as me and has been driving 2 months more. My insurance dropped £200 when i put her on as a named driver.

Check things like: courtesy car, personal injury cover etc and decide if you need them. It can cut the price.

Paying monthly will put your price up.

Go and buy Max Power, turn to the back insurance section and start phoning the lesser well known companies. When i was 19 i wanted a Corrado G60, first insurance quote was £4400 TP only. After an hour of phoning around and playing them off i got it down to £1800 TPFT. Still too expensive but a bloody good saving.

Look at 10 month accelerated bonus schemes. I only got my own insurance about 2 years ago. Im on my 3rd 10 month scheme now. Ill have 3 years NCB (that is accepted by other companies) after just 30 months instead of 36 months. Plus the payment is cheaper, but you have to pay it more often.
 
Also when you've got your cheapest quote it might be worth checking out quidco. Whilst it takes an age to get your money and it isn't 100% at getting you your money all the time it might be worth becoming a member.

For example my insurer gives £70 cashback via quidco so even after your membership fee (which they only take once you start earnin money via them) its still £65 in my pocket which is better than £65 in theirs.

Only a spit in the ocean compared to the insurance itself but hey its a tank and a half of petrol at the end of the day :)
 
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