Cheap insurance at 17!?

[Delboy]

I passed my test this morning and need to get insured tonight to make it to work for the next week..cheapest ive got so far is £3707.41, paying £600 now and £400 monthly, which i cant afford. i need something quite alot cheaper, where is the best place to try? Thankyou!!

[Vtr_HBO]

elephant.co.uk
adrianflux.co.uk


alternatively use one of the below and search loads at once

gocompare.com
comparethemarket.com
moneysupermarket.com

[Vtr_HBO]

Also...LV.com are good for young new drivers

[Delboy]

done all of them, £3707 was eCar cheapest on all of them...will try elephant now though, cheers

[Delboy]

Also...LV.com are good for young new drivers

cheers mate

[ed-bradley]

Try endsliegh.. I was quoted £2200 with them

[Delboy]

tried them mate, they quoted me bout £5000 :(

[Vtr_HBO]

To be honest, i think most people went down the route of insuring it in their dads/mums name...with you as a named driver, that's what i did anyway saved me at least £1500

[VTHall]

you wont get cheap insurance at 17 with a saxo.
/ thread.

[VTHall]

To be honest, i think most people went down the route of insuring it in their dads/mums name...with you as a named driver, that's what i did anyway saved me at least £1500

and this is fronting. very illegal.

[Vtr_HBO]

Illegal yes, Cheap yes...win!

[Gary-VTR]

London post code, Saxo, 17 years old. You best fetch the vaseline.

Admiral/Elephant/Bell will be the cheapest; no point even bothering elsewhere. Go with them, and use the tricks mentioned in other threads on here (named drivers, low mileage, etc). Whatever that price is, is the price you'll have to pay.

Or wait til you're 18, and it'll drop slightly.

[AL3X_]

Do a quote on a comparison site then go on the website of the cheapest quote and tweak it a little as often when using a comparison site it does input some details onto the insurers slightly wrongly.

Also with some insurers, questions like where you park the car affect the price..admiral is cheaper to park on the street than on a driveway...so park it on the street ;)

I would try Admiral, Elephant, and Bell as they are all part of the same company but often the price fluctuates between them.

[kieran92]

go on the comparison websites have yourself as the main driver and add both your parents as second thats what i have done for first car and i pay 2500 on my 1.4

[VTHall]

Illegal yes, Cheap yes...win!

LOl thats going in my sig!
if you get caught you wont get insured!
What happens when you do all mods to the car, your driving it, you crash and they see its in your mums name?
Is your mum going to have a loud exhaust, a car thats lowered with tinted windows?
Doubtful.

BTW, there is police/insurance on the site and if they see this they can contact your details...id change what you wrote if i were you mate :y:

[Delboy]

you wont get cheap insurance at 17 with a saxo.
/ thread.

Looking for the cheapest, which is considered cheap compared to more expensive ones.

London post code, Saxo, 17 years old. You best fetch the vaseline.

Admiral/Elephant/Bell will be the cheapest; no point even bothering elsewhere. Go with them, and use the tricks mentioned in other threads on here (named drivers, low mileage, etc). Whatever that price is, is the price you'll have to pay.

Or wait til you're 18, and it'll drop slightly.

i dont live in london anymore, live in the country, been driving provisionally for a month too. admiral came up one of most expensive, elephant said £5000 and bell wouldnt insure me..

Do a quote on a comparison site then go on the website of the cheapest quote and tweak it a little as often when using a comparison site it does input some details onto the insurers slightly wrongly.

Also with some insurers, questions like where you park the car affect the price..admiral is cheaper to park on the street than on a driveway...so park it on the street ;)

I would try Admiral, Elephant, and Bell as they are all part of the same company but often the price fluctuates between them.

tried this, but i shall keep on it :)

go on the comparison websites have yourself as the main driver and add both your parents as second thats what i have done for first car and i pay 2500 on my 1.4

only live with my mum, and my mums car is crap and doesnt have much cash as it is so thats a no go.. cheers tho :)

[AL3X_]

only live with my mum, and my mums car is crap and doesnt have much cash as it is so thats a no go.. cheers tho :)

It doesn't really matter I dont think, just add them anyway if theres a chance they may ever drive the car and it should bring the price down as theoretically you will be driving it less then?

[kieran92]

no adding just your mum to it will lower it cause they seem to think she may be driving it at times which you can not get done for cause she may drive who knows but trust it lowers the price with her just added to it

[skitts]

put you as policy holder and a women on as the named driver and tghat will go down alot

[DannyVTS]

cheap insurance for a 17 year old doesn't exist

my advice would be to get a moped or a bike for a year or 2 and get some no claims off that (quite a few companies will take it if you pester at them)

[Delboy]

cheap insurance for a 17 year old doesn't exist

my advice would be to get a moped or a bike for a year or 2 and get some no claims off that (quite a few companies will take it if you pester at them)

Lol, I've done that for a year already, no company will take it.

Sold the ped, and need the car insured tonight so I can get to work tomorrow and weeks after, and college everyday from january onwards, I have no other means of transport now.

And I asked for cheap insurance, cheap meaning something lower then the rest, which there is obviously going to be..AA are saying £11,800, yet eCar are saying £3707, so that's cheap. I'm just wondering if there's cheaper...I see a lot of 17/18 year olds on here driving there standards or VTR's and just wonder how they got insured..

[AL3X_]

Have you tried Quinn Direct mate? Never seemed cheap for me but other people do find them cheap.

Have you tried all the compare sites?
Confused
Compare The Market
Moneysupermarket
Gocompare
Insurancewide

Also maybe Direct Line or Tesco?

A lot of people will go on their parents policy but if the parent is not the main driver then this is illegal.

[ed-bradley]

Quinn aren't likely to be cheap anymore..after they went tits up and such :)

[Delboy]

Tried all of them mate, quinn told me £6500!

Haven't tried insurancewide tho mate will give that a go..

Directline wouldn't insure me, and tesco only insure people above 18 :(

[taylor93]

There's a company out there that offer cheap quotes, but they fit a tracker so you wont be able to drive between 11pm and 5am, if you do you get charged, I got quote 1900K on my own name by them. I didn't do this though, got a cheapish quote from Adrian Flux,

[AL3X_]

True I thought that but cheapest my mates have found and my gf has got a cheap policy with them...although always strangely expensive for me :/

[AL3X_]

That was in regards to Quinn^

I believe the company Taylor is speaking about is these:
http://www.i-kube.co.uk

Just depends when you need to drive really.

[Delboy]

There's a company out there that offer cheap quotes, but they fit a tracker so you wont be able to drive between 11pm and 5am, if you do you get charged, I got quote 1900K on my own name by them. I didn't do this though, got a cheapish quote from Adrian Flux,

where can i find this mate? dont drive in between those times tbf so thats cool, or somehow get the tracker taken off

[Delboy]

That was in regards to Quinn^

I believe the company Taylor is speaking about is these:
http://www.i-kube.co.uk

Just depends when you need to drive really.

ohhh right wicked, Cheers!

[taylor93]

What Alex said,

give them a go and tell us what they come back with :)

[sstephen]

Am 17 got a quote for £3,600 from e car on my furio it was more if i put my mam as main driver.

[AL3X_]

Am 17 got a quote for £3,600 from e car on my furio it was more if i put my mam as main driver.

They probably realised what you were doing and increased the premium to price themselves out of the market so you didn't go for it.

@Delboy, no worries mate, hope they can give you a decent quote :)

[ashbuster]

looks like that place can only be done over the phone there still open tho
im interested what they say and to see the difference

[Delboy]

they shut at 12:30pm mate, that was hours ago lol, ill have to give them a call tomorrow morning and see what they say, ill let you all know anyhow, cheers

[AL3X_]

Ah thats a bit shit, good luck with it, maybe worth keep looking for quotes then you have a back up if they offer you a shit price :)

[ashbuster]

ohh yeah its says in big red text lol

[Delboy]

ill try calling them tomorrow morning, does anyone know if you can get that tracker thing off somehow?

[Gary-VTR]

No chance of getting the tracker off, their whole business model is based on it, so a lot of money went into researching and securing it.

You can drive after curfew, but it'll be a £60 one-off fee every time you do.

[DannyVTS]

Lol, I've done that for a year already, no company will take it.

Sold the ped, and need the car insured tonight so I can get to work tomorrow and weeks after, and college everyday from january onwards, I have no other means of transport now.

And I asked for cheap insurance, cheap meaning something lower then the rest, which there is obviously going to be..AA are saying £11,800, yet eCar are saying £3707, so that's cheap. I'm just wondering if there's cheaper...I see a lot of 17/18 year olds on here driving there standards or VTR's and just wonder how they got insured..

Ecar will take it for definite, i was with them on my first year and got insured for a modest 1300 on a 1.2 Sxi corsa

[ed-bradley]

Don't think you can. I've got a mate that's got one in his. It

Bit of a Ball ache, but its one way of getting insurance I suppose.

[VTHall]

ill try calling them tomorrow morning, does anyone know if you can get that tracker thing off somehow?

absolutly no chance of it.
impossible without them knowing i would say

No chance of getting the tracker off, their whole business model is based on it, so a lot of money went into researching and securing it.

You can drive after curfew, but it'll be a £60 one-off fee every time you do.

as he said, im with i kube atm :)

[Delboy]

absolutly no chance of it.
impossible without them knowing i would say



as he said, im with i kube atm :)

says on the website its £100,

how much are you paying with i-kube?

[chuckie01_4]

put you as the main driver and your mum as second driver

buy a steering wheel lock as this is seen as a security measure and have an alarm


if the car is kept off road ie drive/garage it should help

pass plus mite help if you do it most insurance companys accept it as having one yr no claims, adrian flux did. your a premium member on here so flux should give you owners club discount 10-15%?

[Delboy]

put you as the main driver and your mum as second driver

buy a steering wheel lock as this is seen as a security measure and have an alarm


if the car is kept off road ie drive/garage it should help

pass plus mite help if you do it most insurance companys accept it as having one yr no claims, adrian flux did. your a premium member on here so flux should give you owners club discount 10-15%?

Didn't know I could get dicount mate, ill have a little try on that tomorrow morning, yeh I've tried all the tricks, not many are working! Cheers tho man

[VTHall]

says on the website its £100,

how much are you paying with i-kube?

1800.
fully comp.
17
0 years no claims
no mods.
1.6 Mk1 vtr.

[Delboy]

1800.
fully comp.
17
0 years no claims
no mods.
1.6 Mk1 vtr.

That's pretty decent, I've only got a 1.1i mk1 so hopefully mine will be a bit cheaper, must be a bit of a killer with the curfue tho aint it?

[VTHall]

That's pretty decent, I've only got a 1.1i mk1 so hopefully mine will be a bit cheaper, must be a bit of a killer with the curfue tho aint it?

not really, im sleeping at them times :P
So doesn't affect me lol

[Delboy]

not really, im sleeping at them times :P
So doesn't affect me lol

Lol decent,
I'm probably going to get insured with them then, its the only thing I can afford!
I'm working later tonight and don't finish till 11 tho, so how long can I drive until they fit the tracker?

[VTHall]

Lol decent,
I'm probably going to get insured with them then, its the only thing I can afford!
I'm working later tonight and don't finish till 11 tho, so how long can I drive until they fit the tracker?

once you take out the insurance, one of there other companies rings you and asks you what time your suitable to have the tracker fitted, and where you want it done, they can come to your house, work, college etc, its all at your disgression. (usually around a week later)
they have to trust you for that week to not go out after 11.

[Daaaaaniiel]

when i first got insured with them on my 1.1 at 17 it cost me 2500 lol and thats fully comp, i hate the tracker but i couldnt afford around 5000 so had to have it and i hate it :(

[MunkyBoy]

I'm with elephant on my 1.1, and paid £1300 fully comp with both parents as named drivers, but with me the main drivers.

I literally just told them it was too expensive, and it kept coming down.

[Vtr_HBO]

LOl thats going in my sig!
if you get caught you wont get insured!
What happens when you do all mods to the car, your driving it, you crash and they see its in your mums name?
Is your mum going to have a loud exhaust, a car thats lowered with tinted windows?
Doubtful.

BTW, there is police/insurance on the site and if they see this they can contact your details...id change what you wrote if i were you mate :y:

I have my own policy, I'm 22 now mate, I did have my dad as policy holder when i first started out though

[baxter-boy]

this place callled insurance factory ring them and they give you the best price and ways to get it cheaper my brother and 3 of my mates are with them. get the number off google and ring them

[Delboy]

just rung adrian flux...with my 15%, they offered my £6100, so definitely nowhere near cheapest, going to see how much i get offered from i-kube on monday, aslong as its lower then £3000 im going to have to take it!

[JFox]

I got insurance on my saxo 1.1i forte for around 900 quid with the co-op, my mother is the named driver and does use my car :) but its only like £78 a month so its perfect as i have 0 income atm (dam student way of life)...

so yes try co-op then get ur mam/dad to phone them up with the quote code.

insurance went up by £150 because we decided to protect my mothers no claims if something happens (3 claims is allowed) + as im the named driver i can still get no claims discount :)

Try it mate tell me how u get on with it.

[Morgzc]

Mine was £3200 on a vtr!
10 months later and it was £1600! WTF

[JFox]

also another thought, try multi-car with admiral or even co-op they have started doing it now :] or even go to the same insurance as ur mam/dad and see if u can have both as a named driver and ur as a main with the same company as them.

Also try the NFU (national farmers union) dirt cheap insurance! my friend got insurance on a 1.8 bora fully comp his own name for £1700 back 2 years ago i think :S not sure what its like now.

[Delboy]

coop offered me £3280 but they wanted it all in one go so that was a no go..ill get the mother to ring them up on monday and see what they say, cheers mate!

[JFox]

Not a problem i got a quote with them back in january, who are u with for provisonal (well who were u with).

I had a provisional insurance with them at £900 and they let me keep the same price when i passed my test :)

[outrage_uk]

All this crap about 'fronting' and it been 'illegal'.. what a load of shite. Im sure there are people in here working for insurance companies trying to gain a Christmas bonus on commission.

Putting yourself as a named driver on a parents policy is the only realistic way to get insured at 17 for some people. That is a fact. OK, if you want to read into it there are risks, but your life is at risk when you go out driving or crossing the road, so insurance was the very least of my priorities when all they do is rip you off. Sorry if people don't like it because you have realised how much you have been fleeced, but that is the way it is..

Cheaper insurance for young drivers - 'Fronting' - And my opinions in favour of it.. (http://www.saxperience.com/forum/showthread.php?t=349870)

[DannyVTS]

All this crap about 'fronting' and it been 'illegal'.. what a load of shite. Im sure there are people in here working for insurance companies trying to gain a Christmas bonus on commission.

Putting yourself as a named driver on a parents policy is the only realistic way to get insured at 17 for some people. That is a fact. OK, if you want to read into it there are risks, but your life is at risk when you go out driving or crossing the road, so insurance was the very least of my priorities when all they do is rip you off. Sorry if people don't like it because you have realised how much you have been fleeced, but that is the way it is..

Cheaper insurance for young drivers - 'Fronting' - And my opinions in favour of it.. (http://www.saxperience.com/forum/showthread.php?t=349870)

Just because you got away with something doesn't make it legal :panic:

[outrage_uk]

Yeah OK - wont go into it in here - but like I keep saying - there is no legal definition of a 'main driver', so there is nothing to be illegal or get away with.

If the insurance companies / police were so concerned about the legality of 'fronting' as some people in here are - then adding a young named driver would be simply disallowed (or priced out of the market, which some are now doing)

If the lad can afford to pay thousands (which he says he can't) or chooses to go with that shitty 'in by 11 thing' then whatever.. just giving my opinion.

Last edited by DannyVTS; Today at 02:17. Reason: removed insult

^ People get a little touchy when it comes to money don't they :n:

[Delboy]

I'm just trying to get what's cheapest, if it means being a names driver or whatever I'd happily do it, but I tried it with my mum yesterday and it came up more than it did with me alone, we tried it multiple times changing loads of bits and it was still too expensive...ill give the admiral multi-car thing a go later and see what they say, still need to ring up the insurance company my mums on and try and get a discount on there, I just don't understand why everything is so expensive the time I pass! :(

[Petee]

Sorry to tell you.

There's no such thing as cheap insurance, everyone has to pay the odds when you first pass.

[Delboy]

Like I said before. There is always going to be an or more insurance companies that offer a lower price than others. Compared to the others, they are 'cheap'

By cheap I'm meaning the lowest price, instead of paying £6000 can I find something cheaper, and by the looks of things i-kube for £1800 I think I've found the bargain, but thankyou..

[devilsadvocate]

I got insurance on my saxo 1.1i forte for around 900 quid with the co-op, my mother is the named driver and does use my car :) but its only like £78 a month so its perfect as i have 0 income atm (dam student way of life)...

so yes try co-op then get ur mam/dad to phone them up with the quote code.

insurance went up by £150 because we decided to protect my mothers no claims if something happens (3 claims is allowed) + as im the named driver i can still get no claims discount :)

Try it mate tell me how u get on with it.

Im confused, your first paragraph says you mum is the named driver and the second says you are lol?

[devilsadvocate]

As Outrage has posted his pro fronting thread, plead read mine for my against fronting thread:

http://www.saxperience.com/forum/showthread.php?t=348350

[JFox]

Im confused, your first paragraph says you mum is the named driver and the second says you are lol?

Was a typo ;) it was late and i was tired >_<

[VTHall]

All this crap about 'fronting' and it been 'illegal'.. what a load of shite. Im sure there are people in here working for insurance companies trying to gain a Christmas bonus on commission.

Putting yourself as a named driver on a parents policy is the only realistic way to get insured at 17 for some people. That is a fact. OK, if you want to read into it there are risks, but your life is at risk when you go out driving or crossing the road, so insurance was the very least of my priorities when all they do is rip you off. Sorry if people don't like it because you have realised how much you have been fleeced, but that is the way it is..

Cheaper insurance for young drivers - 'Fronting' - And my opinions in favour of it.. (http://www.saxperience.com/forum/showthread.php?t=349870)

No its not, thats total and utter shite.
I am having to pay full whack for my car insurance. Then you get other little scrotes on here trying to dodge insurance money and it get it cheaper? how is that fair on anyone else?
Insurance is expensive now, becuase of the young drivers that crash, just imagine when a lad of 17 gets a 1.6 as his first car, pays about 600 quid or something becuase he's on his parents, the next day he thinks he's gods gift and smashes it up the wall
Our insurance > sky high.

IF YOU GO AS A NAMED DRIVER ON YOUR PARENTS POLICY, AND YOU DRIVE THE CAR MORE THAN THEM, ITS ILLEGAL! (and called fronting)

[Morgzc]

No its not, thats total and utter shite.
I am having to pay full whack for my car insurance. Then you get other little scrotes on here trying to dodge insurance money and it get it cheaper? how is that fair on anyone else?
Insurance is expensive now, becuase of the young drivers that crash, just imagine when a lad of 17 gets a 1.6 as his first car, pays about 600 quid or something becuase he's on his parents, the next day he thinks he's gods gift and smashes it up the wall
Our insurance > sky high.

IF YOU GO AS A NAMED DRIVER ON YOUR PARENTS POLICY, AND YOU DRIVE THE CAR MORE THAN THEM, ITS ILLEGAL! (and called fronting)

Agreed, I was paying £290 a month at 17 because I wanted to be legal. Got myself a job and got on with it.

[outrage_uk]

Sorry pal, but you are talking out of your arse. You are another one that doesn't understand the term 'illegal'.

In your example, even if they could ever prove what a main driver was, and that someone wasnt one - if a young lad crashed into a wall then the insurance company would pay out the 3rd party (ie wall owner), not pay out for the 1.6 (if they were fully comp) and if they chose to try to void the policy then they would attepmt to claim the costs of the wall damage back from the lads parents.

So how would that affect your insurance premium????? Yeah, exactly, it wouldnt so why keep going on about the same babble??

Just because you have paid over the odds for your insurance and are clearly upset about been ripped off - why try make someone else pay a fortune?

Insurance is not expensive because of young drivers - what a load of bollocks. Its expensive because they charge what they want and get away with it.

If they discriminated against race or sex like they do about age, then something would be done.

If anything, fake injury claims push the prices up, nothing to do with driving.

[Morgzc]

It would make it more expensive because they would cancel your policy for fronting and then when you got a new policy with a different company they always ask. "have you ever been declined car insurace, had a policy cancelled or special circumstances imposed". You awnser yes, they charge you more.

[outrage_uk]

Eh? This is exactly my point. They charge YOU more at renewal. So it wouldn't affect anyone else.

[Morgzc]

Eh? This is exactly my point. They charge YOU more at renewal. So it wouldn't affect anyone else.

Oh, see what you mean. IMO it's uninsured drivers and false whiplash claims that do it. I know someone who claimed for whiplash and so did his passengers, got quite abit of money too. Still wouldn't condone fronting.

[Pieface]

Sorry pal, but you are talking out of your arse. You are another one that doesn't understand the term 'illegal'.

In your example, even if they could ever prove what a main driver was, and that someone wasnt one - if a young lad crashed into a wall then the insurance company would pay out the 3rd party (ie wall owner), not pay out for the 1.6 (if they were fully comp) and if they chose to try to void the policy then they would attepmt to claim the costs of the wall damage back from the lads parents.

So how would that affect your insurance premium????? Yeah, exactly, it wouldnt so why keep going on about the same babble??

Just because you have paid over the odds for your insurance and are clearly upset about been ripped off - why try make someone else pay a fortune?

Insurance is not expensive because of young drivers - what a load of bollocks. Its expensive because they charge what they want and get away with it.

If they discriminated against race or sex like they do about age, then something would be done.

If anything, fake injury claims push the prices up, nothing to do with driving.

They do discriminate against Sex. Hence woman can get lower insurance than men.

[outrage_uk]

Well that is just as ridiculous as young drivers discrimination :(

Generally, women are terrible drivers in my experience. (YouTube -> Worst Woman Driver I Have Ever Seen (http://www.youtube.com/watch?v=rK6mughvEfY))

men cause accidents because they are reckless. women cause accidents because of bad driving

^ That sums women drivers up quite well me thinks..

[devilsadvocate]

Its all about statistics, it has to be otherwise they couldnt have different prices?

Men are involved in more accidents than women, hence why they pay for for insurance
Younger drivers are involved in more accidents that older drivers, hence why they pay more for insurance

If insurance wasn't calculated using statistics then a 30 year old with zero no claims would pay the same as a 17 year old with zero no claims (assuming all other aspects are identical like postcode etc)

[outrage_uk]

Yes I do understand that.

I just dont agree that it is a fair method of working out premiums.

Young drivers generally drive more hours for social, domestic and pleasure reasons, rather than commuting or taking the wife shopping than your average 30 year old, therefore, by driving hours alone, they're statistically more likely to claim.

I do not think that statistically you can justify a ~1000% difference in premium... although im sure you can...........

[devilsadvocate]

Im not saying I think younger drivers should pay 1000% more than older drivers, I am just trying to explain why insurance companies charge more.

I pay £440 at 23, if I was 5 years younger I could easily have to pay 10 times that
Why, maybe its because with 5 years driving experience and 3 years no claims I am 10 times less likely (statistically) to have a crash?

[outrage_uk]

No its because insurance companies get away charging what they like because it isn't regulated. The Government don't step in because of the insurance premium tax, so why would they?

Im 24 and I know im not 10 times less likely to have an accident now then when I was 17.

[Delboy]

Just got off the phone with i-kube, I'd love to see how these people are getting under £2000 - £3000 insured on bigger cars then mine, because my 1.1i all standard in a nice area got a quote for £6160. So pissed off right now, looks like I have no way of getting insured for another few years.

[crabzy]

I'm struggling mate as well on vtr :n:

[VTHall]

get a different car then mate, only option!

[benhunt22]

good luck on that one. Although what about adrian flux? my mates rave about them but im wit admiral heres the number:

08003698590

[benhunt22]

Just read through the whole thread and agree that its not but my mates corsa 1.0 is three grand he is also 17.

My girlfriends 206 crashed three times, recently got a quote with tesco threatened to leave, all in £459 sed she had a tesco clubcard they knocked off fifty quid and gave her twenty pounds on a voucher card WTF! just for renewing. But shes 22. goes to show really!

[Gary-VTR]

What details are you putting? You must be going wrong somewhere

TPFT
Social (& Commuting)
5k miles
Mum/relatives as named drivers

Tried those? ^

[crabzy]

What details are you putting? You must be going wrong somewhere

TPFT
Social (& Commuting)
5k miles
Mum/relatives as named drivers

Tried those? ^

what happens if you go over the 5K miles dose this mean car not insured

[Gary-VTR]

what happens if you go over the 5K miles dose this mean car not insured

Call the insurance company when you get close to the mileage to increase it.

It's more of a guideline for them as to how much usage your car will get, it's not a set in stone limit. They've no sure-fire way of proving mileage, and in no world would they bother going to the hassle of investigating it anyways.

[Delboy]

get a different car then mate, only option!

Mate I have a 1.1 saxo, its possibly one of the lowest cars to insure as it is! Any other car wudnt make a difference tbf lol

[Delboy]

I've literally tried everything, every option, everything mate, its stupid!

[CEdwards]

my insurance is £1800 on a furio, im 17 and passed test on november 2nd. now i rang up for a quote on an astra sxi 1.6 and i was quoted £700 so the answer is there.. dont get a citroen saxo, simple as.

[Delboy]

sorry, when did you get insured? and with who? i dont believe that at all. and a 1.4 furio? so how has my 1.1 standard been £4000-£5000 more then that?

[devilsadvocate]

Mate I have a 1.1 saxo, its possibly one of the lowest cars to insure as it is! Any other car wudnt make a difference tbf lol

Hi mate

I am guessing you are referring to the insurance group of a 1.1 saxo
A saxo will always be more to insure than most other cars in the same insurance group.

Getting a 1l corsa will generally be cheaper to insure than a saxo
Whilst the group does make a difference, so does what type of car it is

[crabzy]

my mate just passed his test and he got quote on a 1l corsa £6800 and he 19 lol

[LouNYF]

Illegal yes, Cheap yes...win! haha lad

[VTHall]

Call the insurance company when you get close to the mileage to increase it.

It's more of a guideline for them as to how much usage your car will get, it's not a set in stone limit. They've no sure-fire way of proving mileage, and in no world would they bother going to the hassle of investigating it anyways.

there is sort of things where you can turn a blind eye on..
Mileage :homme:
you dont need to ring them up and tell them your going over, its just going to increase your premium!

[VTHall]

haha lad

what a well educated, well thought out response!
Well done.

[Delboy]

i just got a quote for my gf on my car, (same age and area) and she got £1,420....her older brother whos 24 who's test is in a few months got a quote for the same price too, but for me, £4000...pisstake

[VTHall]

i just got a quote for my gf on my car, (same age and area) and she got £1,420....her older brother whos 24 who's test is in a few months got a quote for the same price too, but for me, £4000...pisstake

just the way it works, go for a lower insurance group

[Gary-VTR]

Find a reg plate on a 1.0 Corsa B on Pistonheads, and get a quote on that online; to find out if it is the car that's the problem.

[sam2kk8]

Admiral,
10 Month Bonus accelarator insurance
Mum as additional driver and other female relative with 15+ driving licence. NOT DAD
Low annual mileage.

When given a quote, say roughly 2500, ring them up and say you've been given a quote from another insurer for 2400, can u beat it. Although they cant take a massive amount off there able to givea small discount (which they wouldnt tell you about at first) bastards

[Delboy]

i tried a KA (£300 cheaper) 2 types of puntos all alot more, polo was more, one corsa i tried was about the same, so it is the car, im guessing because of the crappy security :( ive spent alot of time getting this car and sorting it out and quite abit of money so i defo want to keep it, just got to start saving from now on and start selling valuables that i got to get more money!

[Delboy]

Admiral,
10 Month Bonus accelarator insurance
Mum as additional driver and other female relative with 15+ driving licence. NOT DAD
Low annual mileage.

When given a quote, say roughly 2500, ring them up and say you've been given a quote from another insurer for 2400, can u beat it. Although they cant take a massive amount off there able to givea small discount (which they wouldnt tell you about at first) bastards

ill defo give that a try later on man, cheers!

[Morgzc]

I agree, try admiral. 18, furio with mods, license 10 months. £1400
A vtr was £1600 and my quote for a vts was less than what you got for a 1.1!

[dannyboycov1991]

bell admiral or elephant, add 3 woman named drivers with no points or claims ;) keep mileage low and go for thirdparty if its your first car :y:

[CEdwards]

sorry, when did you get insured? and with who? i dont believe that at all. and a 1.4 furio? so how has my 1.1 standard been £4000-£5000 more then that?

haha insured car August 1st, and im with NFU Mutual

[Delboy]

my insurance is £1800 on a furio, im 17 and passed test on november 2nd. now i rang up for a quote on an astra sxi 1.6 and i was quoted £700 so the answer is there.. dont get a citroen saxo, simple as.

You said just there you passed november the 2nd, yet then you said you got insured august the 1st? Doesn't make any sense..

[DannyVTS]

haha insured car August 1st, and im with NFU Mutual

Are you fully comp with NFU?

[LouisUK]

I've just took out a policy with Admiral. They're good, but if you wish to pay monthly expect to see 20-30% increase in price.

20, 1 years NCB, Mum as named driver (knocked £200 off), VTR - TPFT for 12 months (not 10) - £790

I got that price by going directly on their site and changing stuff around, till it was reasonable. Then i phoned up and said i was finding it cheaper else where, would they match it etc.

[CEdwards]

You said just there you passed november the 2nd, yet then you said you got insured august the 1st? Doesn't make any sense..

i insured myself on a provisional first then when i passed i changed it to full license and the price never changed..!

[CEdwards]

Are you fully comp with NFU?

yeah i am

[Delboy]

I was insured provisionally since my I turned 17 on Nov 21st, a month later when I pass the company said they don't insure Full licence drivers so they stopped my insurance and that was the end of the phonecall. They fucked me over from day1 when the women on the phone said "just let us know when you pass so we can sort out your insurance on a full licence" obviously assuming that was meant with them. I've been riding a Ped for over a year too but that doesn't count either, I live in a good area for car insurance and I have a small car...its only because I'm 17 that its so bloody high! :(

[devilsadvocate]

I was insured provisionally since my I turned 17 on Nov 21st, a month later when I pass the company said they don't insure Full licence drivers so they stopped my insurance and that was the end of the phonecall. They fucked me over from day1 when the women on the phone said "just let us know when you pass so we can sort out your insurance on a full licence" obviously assuming that was meant with them. I've been riding a Ped for over a year too but that doesn't count either, I live in a good area for car insurance and I have a small car...its only because I'm 17 that its so bloody high! :(

They dont insure full licence drivers?
Meaning all thier clients are provisional licence holders?
Who was that with?

[ed-bradley]

Collingwood insurance are like that
http://www.collingwoodlearners.co.uk/WD120AWP/WD120Awp.exe/CONNECT/LearnerDrivers?_WWREFERER_=http://www.google.co.uk/url%3Fsa%3Dt%26source%3Dweb%26cd%3D2%26sqi%3D2%26v ed%3D0CC4QFjAB%26url%3Dhttp%253A%252F%252Fwww.coll ingwoodlearners.co.uk%252F%26rct%3Dj%26q%3Dlearner %2520driver%2520insurance%26ei%3D9bAQTaDVHsKJhQemw Mi3Dg%26usg%3DAFQjCNGyhC8t0B8UfHMGgc4fR18mo-VQug&_WWNATION_=3

I was with them for a Month while I was learning.

[VTHall]

Collingwood insurance are like that
http://www.collingwoodlearners.co.uk/WD120AWP/WD120Awp.exe/CONNECT/LearnerDrivers?_WWREFERER_=http://www.google.co.uk/url%3Fsa%3Dt%26source%3Dweb%26cd%3D2%26sqi%3D2%26v ed%3D0CC4QFjAB%26url%3Dhttp%253A%252F%252Fwww.coll ingwoodlearners.co.uk%252F%26rct%3Dj%26q%3Dlearner %2520driver%2520insurance%26ei%3D9bAQTaDVHsKJhQemw Mi3Dg%26usg%3DAFQjCNGyhC8t0B8UfHMGgc4fR18mo-VQug&_WWNATION_=3

I was with them for a Month while I was learning.

yep, this is who i went with!
can vouch for them! there good.

[Delboy]

it was collingwood i went with mate :)

but mainly, IM INSURED!!!!!!
sooooo happy! my nan (who has never given me anything thoughout her life) transfered the full amount to my account and sed pay her back monthly...so im insured with Co-op fully comp, for £3004.51p , and insured on all other cars too! so happy, will be back on later on when im back in after a little drive!

[devilsadvocate]

Well done mate, glad you got it sorted :)

[VTHall]

still expsenive!
I bet you paid double what your car is worth! :P
Like me ahaha

[devilsadvocate]

Weve all been there, my first car was a £300 nova and I paid £1800 TPFT 5 years ago.
Was like 6 times the value of the car lol

Now I pay £440 fully comp on the VTR :)

[Morgzc]

it was collingwood i went with mate :)

but mainly, IM INSURED!!!!!!
sooooo happy! my nan (who has never given me anything thoughout her life) transfered the full amount to my account and sed pay her back monthly...so im insured with Co-op fully comp, for £3004.51p , and insured on all other cars too! so happy, will be back on later on when im back in after a little drive!

Bloody hell thats alot for a 1.1. Only paid £200 more for a vtr at 17!

[Delboy]

Yeh I know, my bro only payed £1200 last year for his 1.1 rover, but premiums have got up recently this year by 47% and they've lost a lot of markets so priced are literally trippled! Ah well, I'm happy I'm on the road now anyhow! Jusrt hoping next year its abit cheaper! Aha..thankyou all for the links and advice though, its much appreciated! D

[Ace_mac]

I passed my test on the 24th of september, first time :) woop!

Took me just over a month to do it...and alot of money.

But since then, tried every car you can think of to get insurance down, nearly all the companies...on the phone and online!!

Cant get it lower then 4500!!

Any tips?
I havent brought the car yet due to this..Always liked saxo's and thats what im after...

But if anyone can get my insurance lower i would be very thankful!
Maybe before christmas would be a treat...

Postcode is DY4
17 male

Cheers

[devilsadvocate]

Hi Mate

In all honesty, the stories I have been hearing from first time drivers is that 4-5k seems to be about the average!!
The insurance companies seem to be clamping down on fronting by making the price as much or more expensive as getting a policy in your own name

I hate to say it mate but if you have tried everything you can think of then you may just have to pay it......

Most things you can't change like occupation, postcode etc but adding older drivers on as additional drivers can make a small difference.

[Ace_mac]

Tried it mate...

Also tried being a named driver, got it down to £2600!

But dont fancy like going down that road..
Mabe im going to if i cant get no cheaper...

But my step dad would actually drive it to work and back anyway if i paid for the insurance, so no fronting!


Tried the co-op insurance as did this chap who made the thread, that said £4800!!

[Ace_mac]

it was collingwood i went with mate :)

but mainly, IM INSURED!!!!!!
sooooo happy! my nan (who has never given me anything thoughout her life) transfered the full amount to my account and sed pay her back monthly...so im insured with Co-op fully comp, for £3004.51p , and insured on all other cars too! so happy, will be back on later on when im back in after a little drive!



How you get it so low? lol

Might seem to other people as that being high...

But i cant get it low AT all...

[LouisUK]

3k for insurance on a saxo. Mate, you're nuts. I would never pay that. Rather walk :D

[Terence_Wolf]

adrian flux quoted me 3,000 on my 1.4 mk2 furio mate get them to phone you and dont be afraid to haggle im 17 and i like in kent :)

[outrage_uk]

Looks like i was lucky and proudly 'fronted' before the insurance compainies cracked down and 'cunted' by charging these kind of amounts. They might as well just put the minimum age for a license up to 21 :n: :n:

[Delboy]

3k for insurance on a saxo. Mate, you're nuts. I would never pay that. Rather walk :D

my work and college are way to far to walk, fed up of walking and looking t my car sitting outside so just work a lil bit more and pay off what it is :) worth it in the end when you drive past your mates in your car all nice and warm listening to music when they're slipping on the ice freezing cold ;)

[gavmc88]

Good Stuff bud pricey like but least your on the road mate =]

[LouisUK]

my work and college are way to far to walk, fed up of walking and looking t my car sitting outside so just work a lil bit more and pay off what it is :) worth it in the end when you drive past your mates in your car all nice and warm listening to music when they're slipping on the ice freezing cold ;)

If you can afford it then sure. If i had 3k though i would get rid of the saxo and buy different car lol

[olibond]

3.6k a year for my vtr, im 18, no such thing as cheap insurance this age, cus wannabee louis hamiltons cant drive and end up claiming

[Delboy]

If you can afford it then sure. If i had 3k though i would get rid of the saxo and buy different car lol

i couldn't afford the 3k at all! literally have always worked for my own money, never really given it..yet somehow my distant nan thought she'd just lend me £2700 to put towards it, so now i'm paying her back over £200 a month for a year, which only having a part time job 2 days a week is going to be a killer to afford! i'm happy to be on the road either way, just pisses me off that i've been driving about 3 days and had about 30 texts/bbm's asking for lifts...silly kids

[f13sta]

get yourself a mk2 fezzy £1600 for a 1.4 with the co-op fully comp own policy can't go wrong and its super retro coolness aswell :P oh also a 1.8 zetec engine drops straight in ;)

[f13sta]

i couldn't afford the 3k at all! literally have always worked for my own money, never really given it..yet somehow my distant nan thought she'd just lend me £2700 to put towards it, so now i'm paying her back over £200 a month for a year, which only having a part time job 2 days a week is going to be a killer to afford! i'm happy to be on the road either way, just pisses me off that i've been driving about 3 days and had about 30 texts/bbm's asking for lifts...silly kids


if you've been geting requests for lifts then do what i did and charge em if its out of your way take the sting out of having to pay £1.25 a ltr for petrol :panic:

[Delboy]

get yourself a mk2 fezzy £1600 for a 1.4 with the co-op fully comp own policy can't go wrong and its super retro coolness aswell :P oh also a 1.8 zetec engine drops straight in ;)

Mate ive just spent £3004 on insurance, i think ill be okey with this car for now lol
if you've been geting requests for lifts then do what i did and charge em if its out of your way take the sting out of having to pay £1.25 a ltr for petrol :panic:

nah mate i dont do lifts, i think of it as ive worked hard and waited so long to drive for myself, i'm not going to spend more money helping others lol, if im going their way (literally on their road) then theres a possibility ill pick them up, but not turning off my course for anyone unless its over £50 lol

[devilsadvocate]

Once you have built up a few years no claims, it will drop quite a bit :)
Short term its expensive but no claims makes such a big difference!

[Delboy]

Once you have built up a few years no claims, it will drop quite a bit :)
Short term its expensive but no claims makes such a big difference!

Hopefully mate, aslong as it keeps going down and down I'm happy!

[Hatcha]

Haven't read the thread mate, but there is a company that puts a curfew on your car, but it is very cheap.. i think it's called 'i-cube' or something.
Basically you cant drive the car after a certain time at night, but the insurance is cheap! If you want to know more i'll double check the name of the company for ya.. i think it's i-cube though.

[Delboy]

Haven't read the thread mate, but there is a company that puts a curfew on your car, but it is very cheap.. i think it's called 'i-cube' or something.
Basically you cant drive the car after a certain time at night, but the insurance is cheap! If you want to know more i'll double check the name of the company for ya.. i think it's i-cube though.

Yeh mate it was mentioned a few pages back, they're called 'i-kube' :) but I've tried them, they wanted well over £6000, so not so cheap compared to what they used to be, I got fully comp insurance from co-op for £3000 instead so I'm all sorted and done now :) cheers tho mate :)

[Hatcha]

Yeh mate it was mentioned a few pages back, they're called 'i-kube' :) but I've tried them, they wanted well over £6000, so not so cheap compared to what they used to be, I got fully comp insurance from co-op for £3000 instead so I'm all sorted and done now :) cheers tho mate :)

Ah shit, thought they were cheaper aha.. no worries anyway mate :)

[Ace_mac]

Tried a qoute for a mk2 fiesta, 1.4 and its 2800 for the insurance...

LOWEST i have ever got it on my own, so ill be looking into getting one i think, colour code it etc i think...

Always liked them anyway!!