Where do I stand?

shifty_uk · 6 Nov 2008 at 10:40

^Not really, 52 reg.

Just phoned the dealer, I've lost my £100 deposit.

I'm really gutted, I wanted that car.

Howard · 6 Nov 2008 at 10:59

...Buy it then. £2k for insurance is surely reducable :confused:

[TW]Fox · 6 Nov 2008 at 11:07

How much was the car?

Overlag · 6 Nov 2008 at 11:41

Princey said:
Try adding a parent as a named driver.

that bumped it up for me...

monkey_boy · 6 Nov 2008 at 11:45

Is this your car? You're bound to pay a premium in that area.

Stev · 6 Nov 2008 at 11:46

shifty_uk said:
Just tried Bell again, this time for a 1.4 Focus. £1764.37, best price.

me in a 1.8 diesel focus im 22 (23 this month) with on LC20 conviction 4 years and 8 months ago :<

shifty_uk · 6 Nov 2008 at 12:16

Stev said:
me in a 1.8 diesel focus im 22 (23 this month) with on LC20 conviction 4 years and 8 months ago :<

[TW]Fox;12844033 said:
How much was the car?

Just over 3K, which I can afford, but paying £150+ a month on insurance on top of petrol, parking and any other expenses is just too much, especially on my part-time wage.

So, I'm thinking it's perhaps best to look at a car + insurance, all for under £3K, at least for a year to get the insurance down.

Jonny ///M · 6 Nov 2008 at 12:22

shifty_uk said:
Bell was the company that messed the quote up^^.

I've been trying to get quotes from individual insurers, I've even phoned a few. I was recommended Quinn by a mate who said their cheap for young drivers, ended up getting a quote for £3K.

I've been driving for less than a month, not done my pass plus yet and the area isn't bad i think it's the overall postcode that's a let down, there is a few dodgy areas around here.

Well given that you know a mate of mine from school you're roughly near me i guess.

Me as a 20 year old,held my license for nearly a year but have not driven and was looking at clio 1.2s aswell the lowest i got was £1200 using comparison sights. My brother works for quikfit insurance now so i hope i can get a good price via him when i need it!

I also considered the older shape 1.4 clios so save money but i don't know if i could take the interior at all!

Morba · 6 Nov 2008 at 13:12

Stev said:
me in a 1.8 diesel focus im 22 (23 this month) with on LC20 conviction 4 years and 8 months ago :<

I'm sure we could all post a picture of ridiculous insurance quotes, or was that really the cheapest one you were offered?

shifty_uk · 6 Nov 2008 at 13:25

Jonny ///M said:
Me as a 20 year old,held my license for nearly a year but have not driven and was looking at clio 1.2s aswell the lowest i got was £1200 using comparison sights. My brother works for quikfit insurance now so i hope i can get a good price via him when i need it!

Which company was that with? We should have a very similar postcode.

Burned_Alive · 6 Nov 2008 at 13:41

Stop using comparison sites, put the work in and check individual insurers. I've never had a decent quote from a comparison site.

ganesh · 6 Nov 2008 at 13:54

my quotes for insurance were cheaper through comparison sites than the individual companies.

shifty_uk · 6 Nov 2008 at 14:10

Well, I've tried:
Gocompare
Moneysupermarket
confused
elephant

Direct Line
Tesco
Asda
Norwich Union
AA
Endsleigh
Adrian Flux
Bell
Quinn Direct
Swinton
More than
eSure
Admiral
Privilege
Swift Cover

To name some. Suggest more and I'll try them.

Jonny ///M · 6 Nov 2008 at 16:00

shifty_uk said:
Well, I've tried:
Gocompare
Moneysupermarket
confused
elephant

Direct Line
Tesco
Asda
Norwich Union
AA
Endsleigh
Adrian Flux
Bell
Quinn Direct
Swinton
More than
eSure
Admiral
Privilege
Swift Cover

To name some. Suggest more and I'll try them.

It was just one thrown up by confused.com. Can't remember to be precise.

I'm using ML3 9PX postcode.....ml3 9 is quite bad on the insurance database thing.

shifty_uk · 6 Nov 2008 at 16:19

Jonny ///M said:
ml3 9

Same.

Still, £1200 is better than £1600.

Hxc · 6 Nov 2008 at 16:31

timbob said:
£1600, even on a 1.2 Clio doesn't surprise me in the slightest.

In fact, at 19, it would surprise me if you could get a quote lower than that on just about any car (assuming you have no NCB, and don't front your insurance policy).

It is worth shopping around though - you might be able to find something closer to the £1200 mark. Look at confused, and then *ring* the cheapest places directly to get quotes.

Under £1600 is perfectly possible aged 19!

My quote stands at around £900 TPFT for a group 6 car over the Clio being group 3, and I'm 2 years younger.

You must live in a pretty dodgy area!

shifty_uk · 10 Nov 2008 at 23:22

Sorry to bump this annoying thread but obviously my problems haven't went away and I have a question!

Is it a crime to lie about your occupation? I'm a student but work part time, so I've putting 'full time education' down. Would I get my backside well and truly kicked for putting down 'full time employment'? Not sure how it would effect the price of the premiums.

[TW]Fox · 10 Nov 2008 at 23:23

You cannot lie in the process of obtaining insurance.

romperstomper · 10 Nov 2008 at 23:29

I had a similar thing with a Q plate car was told £500 insurance ,bought the car then the insurance company said they want £1k :mad:

Tesla · 10 Nov 2008 at 23:30

Also would effect if you drove to work (commuting).

I recently had best results with directline and they do not feature on any comparison sites. Massively cheaper than competition and I like the idea of retaining NCB if hit by an uninsured driver, although I have not read the small print.