Insurance etc

I need some help, preferably anyway - the problem is I've just passed my driving test (Halloween) and I'm looking for some cheap insurance. I know it's a myth but there must be some kind of hints and tips to cheapen it up from £3k for more-or-less every car.

I'm 19 so I didn't think it'd be so bad but blimey it's impossible. Ideally I don't want to have a telematics device with a curfew or mileage limit but I know I'm probably being a bit of a dreamer.


I just want a car that will be cheap on insurance and a cheap quote, any hints and tips that you nice bunch might have?

Thanks!

When I first passed my test 5 years ago I went with Quinn Direct. I don't know about their prices now but I got cheap insurance with them. No tracker or curfew.

By cheap I mean cheap for when I passed my test (I'm assuming you live in the UK, apologies if not)

I also went with Quinn for my first year, no curfew/tracker but insurance was just under 3k.

I ended up paying £3600 my first year to not have a blackbox. Try different companies that are not on compare sites and add as many experienced people as named drivers as possible.

Ahhh thanks guys! Yeah I'm in the UK, whoops haha! I'll try it all, cheers!

I went on co-ops young peoples insurance (black box) and got insured for £1,650 I think it was, recently they've given me about £325 of that back so really my first year of insurance has been about £1300~ which imo is worth the black box because it's saved me about 1-2k

I really don't understand peoples hate for the black box, I dont even look at the scores and whenever I need to drive after a certain time it just lowers my score a little in that area which changes nothing

if you want to best price on co ops young people insurance, what you do is keep you as the policy holder, add your parents, put their milage high and yours on the lowest possible (0-1000) then say its in a garage, my house doesnt even have a garage and they've never questioned it

the guy who fits the black box is an external company so he doesnt give a **** where your car is

i would seriously consider it, having a black box hasnt changed the way i drive or when i go out, I've even done handbrake skids and doughnuts in the snow and it doesnt give a ****

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Originally Posted by Futz

I went on co-ops young peoples insurance (black box) and got insured for £1,650 I think it was, recently they've given me about £325 of that back so really my first year of insurance has been about £1300~ which imo is worth the black box because it's saved me about 1-2k

I really don't understand peoples hate for the black box, I dont even look at the scores and whenever I need to drive after a certain time it just lowers my score a little in that area which changes nothing

if you want to best price on co ops young people insurance, what you do is keep you as the policy holder, add your parents, put their milage high and yours on the lowest possible (0-1000) then say its in a garage, my house doesnt even have a garage and they've never questioned it

the guy who fits the black box is an external company so he doesnt give a **** where your car is

i would seriously consider it, having a black box hasnt changed the way i drive or when i go out, I've even done handbrake skids and doughnuts in the snow and it doesnt give a ****

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Probably because it monitors speed and if you break the speed limit like 3 times or something they'll end their insurance agreement with you due to it.

And doing something like that isn't advised, as if someone smashed into your car that's parked on the road at night they'll find a way to get out of paying for repairs if you're saying it's parked in a garage and it's not.

They're slimey *******s and they'll do everything in their power to avoid paying you for any claims.

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Originally Posted by scottish

Probably because it monitors speed and if you break the speed limit like 3 times or something they'll end their insurance agreement with you due to it.

And doing something like that isn't advised, as if someone smashed into your car that's parked on the road at night they'll find a way to get out of paying for repairs if you're saying it's parked in a garage and it's not.

They're slimey *******s and they'll do everything in their power to avoid paying you for any claims.

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Well I woudln't say I drive within the limits and they've never called me or contacted me about bad driving, their monitoring system isnt as good as people make it out to be

And if a car smashes into your car at night while its parked, they will just drive off
(my back right door is caved in due to a drunken *******, I know his reg but the police never did anything about it 'cause I cant prove it)

Yeah and if they drive off it's down to claiming against your insurance.. which they'll say you lied about parking in a garage if the accident took place on the road at 4am or something..

and depends on company i'd imagine some will have stricter policies than other regarding speed.

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Originally Posted by syko2006

I need some help, preferably anyway - the problem is I've just passed my driving test (Halloween) and I'm looking for some cheap insurance. I know it's a myth but there must be some kind of hints and tips to cheapen it up from £3k for more-or-less every car.

I'm 19 so I didn't think it'd be so bad but blimey it's impossible. Ideally I don't want to have a telematics device with a curfew or mileage limit but I know I'm probably being a bit of a dreamer.


I just want a car that will be cheap on insurance and a cheap quote, any hints and tips that you nice bunch might have?

Thanks!

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I made a topic for this kind of thing, look at my signature ;)

Quote:

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Originally Posted by scottish

Probably because it monitors speed and if you break the speed limit like 3 times or something they'll end their insurance agreement with you due to it.

And doing something like that isn't advised, as if someone smashed into your car that's parked on the road at night they'll find a way to get out of paying for repairs if you're saying it's parked in a garage and it's not.

They're slimey *******s and they'll do everything in their power to avoid paying you for any claims.

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I agree.

These sort of companies will do anything to get out of paying out. It's smart business.

My first year I got insured for about £1400 @syko2006; btw. Forgot to mention

This thread has made me so happy I chose not to get a car yet haha

These figures are mental

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Originally Posted by Marketing

This thread has made me so happy I chose not to get a car yet haha

These figures are mental

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Only going to get more expensive...

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Originally Posted by Demi

Only going to get more expensive...

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Incorrect, as by the time I actually have my own car I will be 24 ish aha

haven't read whole thread so just ignore me if I'm not posting about the right thing, but from what i can see its about expensive insurance for young drivers.

i passed just over a year ago now and so had to renew my insurance, happy to find it went from £1400ish to £500ish in just a year. No crashes, points or anything. but that's still good.

I'd recommend getting one of those black boxes, they sound scary and annoying but I drive just like I would without it and I'm sure most people do.

Quote:

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Originally Posted by syko2006

I need some help, preferably anyway - the problem is I've just passed my driving test (Halloween) and I'm looking for some cheap insurance. I know it's a myth but there must be some kind of hints and tips to cheapen it up from £3k for more-or-less every car.

I'm 19 so I didn't think it'd be so bad but blimey it's impossible. Ideally I don't want to have a telematics device with a curfew or mileage limit but I know I'm probably being a bit of a dreamer.


I just want a car that will be cheap on insurance and a cheap quote, any hints and tips that you nice bunch might have?

Thanks!

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I can only tell you from experience, I passed when I was 17, and they charged like £6K ... as you can imagine i never purchased it.. In July of this year, On a Corsa Club 1.2 I got insurance for £848, for 10 months (which would give me a year at the end apart of this deal they have). I cleverly had an accident in August, and wrote my car off. Im now with a Honda Jazz 1.3 and the insurance went up by £121 quid.

Generally your age, and the age of the car is the big difference.

Some tips that helped me and that worked for my insurance premium;

1) Get your OWN policy: Back in the older days you could go on your mums or dads and it'd be dirt cheap. Now its cheaper to go on your own policy and add two or three named drivers, that haven't had any accidents or criminal convictions.

2) Make sure your car is a 1.2 or less. 1.2's are powerful enough to get you from A to B and back again without breaking speeding laws.

3) If you can, do your pass plus. I never did, but it does give you 30% off your insurance premium (or around about that.. )

4) Don't have an accident one month after getting insurance :( - My premium next year is gonna be a *****.

Yeh my insurance is now £600 on a 1.6 tdi, no no claims as I was on my dads policy for a few years so didn't accrue any. Not bad I suppose

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Originally Posted by Marketing

Incorrect, as by the time I actually have my own car I will be 24 ish aha

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With NO no-claims?
It will be as bad.

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Originally Posted by Demi

With NO no-claims?
It will be as bad.

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Let me put it this way. My sisters insured at the same time with the same model etc - one was 17 one was 21. The 21 year olds was considerably cheaper.

Sent from my HTC One X

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Originally Posted by Marketing

Let me put it this way. My sisters insured at the same time with the same model etc - one was 17 one was 21. The 21 year olds was considerably cheaper.

Sent from my HTC One X

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Yes. but not if said 21 year old had the 4 years no claims? :)

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Originally Posted by Demi

Yes. but not if said 21 year old had the 4 years no claims? :)

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What are you on about

He's saying he has 2 sisters same car etc.


17 year old - NO no claims
21 year old - NO no claims - considerably cheaper

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Originally Posted by scottish

What are you on about

He's saying he has 2 sisters same car etc.


17 year old - NO no claims
21 year old - NO no claims - considerably cheaper

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Of course that's from age, but the 21 year old would be CONSIDERABLY MORE CHEAPER with no claims.

Quote:

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Originally Posted by Demi

Of course that's from age, but the 21 year old would be CONSIDERABLY MORE CHEAPER with no claims.

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But they'd also have spent £4k on insurance already...

I don't get your argument.

Sent from my HTC One X

Quote:

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Originally Posted by Marketing

But they'd also have spent £4k on insurance already...

I don't get your argument.

Sent from my HTC One X

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I wasn't arguing - I was stating that with no-claims it would be cheaper.
They might have spent 4k less, but they would have more experience driving.

Quinn direct are best until you get to 20, then prices go up