Looking for a First Car.

I looked at a £600 Honda Civic 1.3DX, as my first option. When it came to insuring it, rang quite a few places up, I'm sure they troll faced me down the phone and said that will be £6k please. Insurance has gone up.

My post code and lack of 1years driving does add to to the high insurance, and that well it has "sport" in the name.
 
I live in a group F postcode and have had my license for 3 years with 2 years NCB. The thing that dropped my insurance the most was hitting 3 years of owning a license, not the NCB, which only made a 10% difference against almost 40% for having a license for 3 years. This is driving a 1.6 ford focus and I'm still talking of £1000 to insure it after all this time.

From doing hundreds of hours of research, by far the cheapest method is using either Bell or Admiral and adding 2 named drivers with years of driving experience and no crashes.
 
allllec said:
Currently 20 with 1 years NCB. Paying £1600 for a 850 T5.

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My advise to anyone young trying to insure a car is just run quotes for absolutely everything. It's down to the individual but I've now insured 2 200+bhp saloons for less than it'd cost me to insure a 406 or Mondeo with any engine.
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Totally. Like where some insurance companies would insure me on a Volvo 460 turbo for less than my Rover 214. I looked at quotes once i'd have been driving a year and with 1 years NCB and an Audi A4 1.8T was only around the same 1500-1600 mark. I say only, it's still a lot but you kinda pay extra to run a nice car.

I'm jealous of you being my age and driving an 850 T5 though. I'd bloody love one!

My fault for not taking my test until I was 19 though really, otherwise I could have had one by now.
 
DanTheMan said:
I live in a group F postcode and have had my license for 3 years with 2 years NCB. The thing that dropped my insurance the most was hitting 3 years of owning a license, not the NCB, which only made a 10% difference against almost 40% for having a license for 3 years. This is driving a 1.6 ford focus and I'm still talking of £1000 to insure it after all this time.

From doing hundreds of hours of research, by far the cheapest method is using either Bell or Admiral and adding 2 named drivers with years of driving experience and no crashes.
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THIS. Adding both my parents reduced my premium by £400+

I could never bring myself to spend £3500+ to insure a car :(. I'm paying just over a grand (£250 excess) to insure my new Focus ST (i'm 23) and even that made me shudder. At least its a ****** fun car though.
 
Joshy said:
And this isn't relevant to the OP at all seeing how you live in a DIFFERENT COUNTRY.
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The last time I checked the average person there earns about the same as here ? Therefore it is a ridiculous amount of money to insure just 1 small low power city car. By any standards. Unless he's somehow rich... There has to be a line somewhere where even you guys in the UK don't take such **** any more from insurers ?

I'm intrigued why having your license for longer makes SUCH a massive difference, for all insurers know someone did his license at 17 and didn't drive till 20 ? But some guy who has been say a courier for a year is punished more ?

The contrast is just excessive, it pays to just do your license asap even though you have no interest at all in driving, and you'll skip the whole insurers fiasco when you think you want to drive a couple of years down the line ? With the current situation, it's safe to say to young people ''get your license at 17, but don't drive till 20''.
 
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Holding your licence makes the big difference. First year I paid 650 tpft. Had a fault claim. 2nd year with no NCB and that accident I paid £650 fully comp.
 
snowdog said:
I'm intrigued why having your license for longer makes SUCH a massive difference, for all insurers know someone did his license at 17 and didn't drive till 20 ? But some guy who has been say a courier for a year is punished more ?

The contrast is just excessive, it pays to just do your license asap even though you have no interest at all in driving, and you'll skip the whole insurers fiasco when you think you want to drive a couple of years down the line ? With the current situation, it's safe to say to young people ''get your license at 17, but don't drive till 20''.
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Will you ever learn that posting about UK licensing and insurance issues when you've never even visited the UK let alone purchased insurance or applied for a license is just completely counter productive?
 
You could get some pleb to be your personal driver for 3.6k.

I got my license at 17 but didn't drive until 20 - at which point I got a 1997 1.6 Megane saloon - insurance was about 1.5k for the first year, dropping by about 300 a year after that. I still have the pos car - costs about 400 quid now I'm 24.
 
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[TW]Fox;18137041 said:
Will you ever learn that posting about UK licensing and insurance issues when you've never even visited the UK let alone purchased insurance or applied for a license is just completely counter productive?
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I've been in the UK, and no, just because I don't have to deal with it, this does not mean I cannot complain about the insurance system, a lot of people here in motors seem to have the BEFEHL IST BEFEHL attitude towards things issues like speed traps, unreasonable laws and insurance company's ripping off young people. You don't just accept bullying by the government or similar, on this forum there seems to be a complete pessimism towards all the restricting laws the government is enforcing on you ?

I mean, this is a motoring enthusiast forums, and people don't disagree or help each other fighting things like high insurance, fines, etc ? Around here the government is arguably far worse with other things like speed fines than in the UK, I do everything I can to help prevent people get caught by them ********, things like a cardboard ''radar'' sign in my cars which I plant in advance of a mobile speed trap if I have the time, reporting speedtraps to the main site ( flitsservice.nl) that helps fight this form of extra tax, flashing/warning motorists from the opposite direction about the cops, etc...

Now this poor guy is paying 3600 quid to insure a slowish yaris (!!!) and most people around here accept that this is normal ?
 
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snowdog said:
. You don't just accept bullying by the government or similar, on this forum there seems to be a complete pessimism towards all the restricting laws the government is enforcing on you ?
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Thats because we don't all sit at our PC's waeing a Che Guarva tshirt because we are not daft enough to think there is anything we can personally do about the way our insurance industry works.

Now this poor guy is paying 3600 quid to insure a slowish yaris (!!!) and most people around here accept that this is normal ?
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He's spending £3600 to insure his car because he chose a 'Sport' model as a first car and lives in an area so rife with crime it makes Kabul look safe.
 
[TW]Fox;18137187 said:
He's spending £3600 to insure his car because he chose a 'Sport' model as a first car and lives in an area so rife with crime it makes Kabul look safe.
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If I chose a £600 Honda Civic DX with 120k on the clock it would cost me 400quid more.:confused:

The area I live in is probably one of the nicest areas in Bradford. It's just this area comes under the rife with crime areas postcode.

Only if I lived 5 mins down the road, it would have been even cheaper!
 
Vita said:
If I chose a £600 Honda Civic DX with 120k on the clock it would cost me 400quid more.:confused:
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I don't know why you keep clinging to the Honda Civic DX thing. What a bizarre choice of car anyway, besides that Honda's and low insurance are not two things which have ever gone together.
 
Jap motors in my experience were alway expensive to insure, I remeber i paid £1300 to get my self insured on a Corolla 1.3gl (J reg model), and then slightly less on a Carina E!

I remember getting a quote on a Almera, Civic etc and they were all very expensive, thats when I got my 306 dturbo,same class of car and insurance was half of what i was quoted on the equivalent jap crap.
 
[TW]Fox;18142068 said:
I don't know why you keep clinging to the Honda Civic DX thing. What a bizarre choice of car anyway, besides that Honda's and low insurance are not two things which have ever gone together.
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JDM tyt 'y0 and all that.

Insurance is silly in Bradford though.
 
Insurance is silly in Sunderland. I didn't spank £3.6k on my first years insurance. There are a number of things you could have done to pay less I'd imagine.. Number 1 being not buying a Yaris T-"Sport"

But hey, It ain't mine or anyone else's money. Enjoy your car :p
 
Try again later. Sounds stupid but when I used moneysupermarket.com, I popped in the details for my first car (e36 318is), and they wanted 1.7k. I used exactly the same details approximately 3 weeks later and it went up to the cheapest being 2.2k. I did it again exactly one week later and it came down to 1.5k.

Then I tried Aviva and it came down to 1275 which wasn't bad.
 
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