Young drivers?

BigglesPiP said:
Don't they need to have an insurable interest in the car to be a named driver?
Click to expand...

She drove it once because she wanted to see the difference between her Mini and the R56 shape.

Honestly, she probably shouldn't have been on the insurance but it reduced the premium and there's no way in a million years they would have refused a payout based on the fact she's insured on it. I'm very close to her and we could have blagged a million reasons why she was insured on it.

After 1 year NCB she didn't make a difference so I took her off.
 
m4rkw7 said:
"Click here for a quote", 500 Internal server error. :(
Click to expand...

I've got the same error mate but I did a quote with them yesterday.

Try again tomorrow. I took out a policy when I was 19 and looked absolutely everywhere and they were the cheapest by far, especially when parents are added as named drivers.
 
Get something "specialist" and go to a specialist insurer.

I just returned at quote of £903 fully comp for a 1972 3.5 V8 Range Rover at 21 with 0 NCB, Fiestas/Puntos/generic hatchs were ~£1200.

The moral of the story, insurance quotes make little sense, so try lots of quotes :p
 
Biohazard said:
That's quite good, who was that with?

Most insurers won't touch a V8 / someone under 25. Well, most the ones I tried back then anyway.
Click to expand...

You've got to remember its not a real V8, its on twin carbs and puts out a massive 130bhp when new from its 3500cc :eek: :p

It was with a firm called Lancaster Insurance who specialise in Land Rovers and Classic cars, and this is both :cool:
 
griffo_001 said:
You've got to remember its not a real V8, its on twin carbs and puts out a massive 130bhp when new from its 3500cc :eek: :p

It was with a firm called Lancaster Insurance who specialise in Land Rovers and Classic cars, and this is both :cool:
Click to expand...

I was trying to get insurance on the more real 3.9 ;)

Which only had circa 190bhp haha, but that's not what it's all about. It's the torques, the tyres, that gorgeous rumble and the grin! :D (and really only if you have something proper to do in it, like play at farmer or pull things through mud etc)

Shame it took until I was older before I could legitamately get in!

Thinking of getting one myself (really probably a disco), but the potential for range rovers to give gremlins puts me off a bit.
 
Biohazard said:
I was trying to get insurance on the more real 3.9 ;)

Which only had circa 190bhp haha, but that's not what it's all about. It's the torques, the tyres, that gorgeous rumble and the grin! :D (and really only if you have something proper to do in it, like play at farmer or pull things through mud etc)

Shame it took until I was older before I could legitamately get in!

Thinking of getting one myself (really probably a disco), but the potential for range rovers to give gremlins puts me off a bit.
Click to expand...

Yeah I ran a 90's 3.9 quote after and that came back at ~£4k :eek: Won't be getting one of those then :p
 
I know that Classic Mini's get insured quite cheaply for young drivers, using classic insurers, a few people I know from another forum have a classic Mini and are insured for around £800 - £1200 on a classic policy
 
m4rkw7 said:
Would phoning round do any good? Instead of comparison sites.
Click to expand...

Buy using comparison sites you miss out on all those companies who specialise in certain cars/drivers and as such might miss out on a deal. I usually run a quote on a comparison site and use the lowest quote as my absolute maximum, then go from there looking for companies specialising in low mileage or young driver policies to try and beat the first quote :)
 
insurance for first year of driving is going to be an expensive things always i think.
I passed at 21 and bought an mgzr 1.4, £2540 for the insurance for first year. it's due for renewal in around 25days and i've been looking at quotes and i've had a quote of £600 fully comp with insurance to drive other cars(with permission), mum on the policy and that's with aviva
 
There's some good advice on this thread for a new driver. All the details which go into the quote are rating factors, they are logical & based on common sense but have a fiddle around, some things might seem counter-intuitive but result in cheaper premiums.

Mileage. Some insurers go up in bands of 5 or 10k, some don't load on anything they view as average mileage or below. One insurer might rate 10k as the average annual mileage, another might view it as 12k. Some load for very low milage, some might not be quoting because the milage is below their rating bracket. Play around with this. One insurer actually used to give cheaper premiums if the mileage was set to 110k!

Use of vehicle. If you are commuting to a fixed place such as college or work & don't need business use, try sticking it on anyway. Some insurers will load, some won't, some might not have been quoting previously & could come in with a cheaper qte with business use. SDP only often gives the cheapest premium, but not always. Even if you are cycling into work, you might want to drive in crap weather, or you may be sent on a course somewhere other than your usual commute. So long as you are covering your intended use & aren't lying then you're fine.

Occupation. Students get loaded & you can't just lie about what you do, however there is some scope to have a fiddle around here. If you are training to be an accountant then "student - accountancy" may well be loaded less than "student - college/uni". Also try putting in stuff like "trainee" or "apprentice", so long as it is a fair description of what you do & you aren't lying then you are doing nothing wrong.

Prior experience. If you've been on a moped for a year you might still get some money off, most if not all car insurers won't allow bike ncd to be used on cars but if you are on the phone with a broker & potentially putting a big policy with them, they may allow some discount based on your experience to get you on their book.
 
You must log in or register to reply here.
Back
Top Bottom