How much will insurance come down

[dempseyblade]

I just paid £1700 for 12 mths, as me (new driver) as main driver and my dad (full NCB) as named. just wondered how much it come down next year, when i have 1 yrs NCB? cheers

[blackie_2k5]

probs be more then way things are going

[TypeRDavid]

I heard on the Radio a few days ago that Insurance was coming down next year , hope there's some truth in it.

[dempseyblade]

I heard on the Radio a few days ago that Insurance was coming down next year , hope there's some truth in it.

I bloody hope so because £1700 for a low earning 18 year old is crippling, especially when I am not one of the *spoiled by daddy* kids.

I guess that you appreciate something more when you have to work hard and earn it all by yourself though, right?

[Prickle]

I heard on the Radio a few days ago that Insurance was coming down next year , hope there's some truth in it.

Wants to... mine went up £200 iirc, it was a slit your wrist moment...

no points, 3ncbs crashes etc etc

still abit sore now tbh.

[Rudpud]

I bloody hope so because £1700 for a low earning 18 year old is crippling, especially when I am not one of the *spoiled by daddy* kids.

I guess that you appreciate something more when you have to work hard and earn it all by yourself though, right?

Bet you look after it alot more than people that are given £5k's worth of car though.

[dempseyblade]

Bet you look after it alot more than people that are given £5k's worth of car though.

my pride and joy haha, even if i did dent it by reversing into a bin after a week of ownership

[joe333]

Well last year mine was like £2200 and then got 1ncb and it went down to £1500 :p

[dempseyblade]

Well last year mine was like £2200 and then got 1ncb and it went down to £1500 :p
music to the ears:p

[LSOfreak]

I just paid £1700 for 12 mths, as me (new driver) as main driver and my dad (full NCB) as named. just wondered how much it come down next year, when i have 1 yrs NCB? cheers

how would we know how much YOUR insurance will go down lol?

[Tontsy]

mine ...didnt really change.

[dempseyblade]

how would we know how much YOUR insurance will go down lol?

just a rough idea really.

[JamesR]

Might stay the same, but my bet is that it will just go up tbh

Never know though :)

[Dolly]

Mine went down just under £400 pound... I'm now paying just over £500 but I have a mooie and boobie loobies :)

[kclipston]

I'm not sure i've always upgraded before renewal but every year mines been £1200 until i got the 172, now ive changed to the 197 its back to £1200... hopefully next year it'll finally go down :/

[TimWesty]

When i passed my test a ear ago, mine was 2500 on a 1.0 polo, then i got a westcoast, which was £482 more on insurance which is near enough 3 grand. insurance is due in a month and been looking around, got it down to 1100 with admiral! :P but thinking of upgrading to a vtr which is an extra 300.

[Furio-Gazza]

just a quick qestion to you young lads/drivers, your insurance is like £1900.. £180/£190 a month, do you have mint paid jobs or do you just spend like half your wages on insurance?

[Mochachino]

£187.43

[TimWesty]

just a quick qestion to you young lads/drivers, your insurance is like £1900.. £180/£190 a month, do you have mint paid jobs or do you just spend like half your wages on insurance?

Luckily for me, my mum helped me out by paying it in full for me, but i have just payed every single penny back, only just like lol. Pretty lucky with that i think. Would'nt of been driving otherwise!

[lee_saxo]

I pay £670 fully comp on my m3 which is far to high

[Ryan1992]

I'd be happy with that for my first year to be honest mate,

had to pay £2750 on 1.0...
went down to £700 when i got 1ncb

now its £1400 on a vtr ;)

[Furio-Gazza]

Luckily for me, my mum helped me out by paying it in full for me, but i have just payed every single penny back, only just like lol. Pretty lucky with that i think. Would'nt of been driving otherwise!

how much did you pay her back monthly?
take it you have a good paid job like :)

my insurance has gone up, cheapest im getting atm is £150 a month over 9 months on a VTR and i feel like its way to much

[Stefan_Wood]

Was reading up about insurance lately for myself to see the loop holes to get cheaper insurance, but turns out that insurance is going up because of the amount of claims the company's have. Thus meaning the cost needs to be covered so insurance will go up, but a new legislation will be going in soon that basically says if u want to claim u can but if u fail u pay the fees not the insurance company. So this will obv stop alot of people from even trying to claim = Insurance droping in price

Source = MoneySavingExpert i think :S

[TimWesty]

how much did you pay her back monthly?
take it you have a good paid job like :)

my insurance has gone up, cheapest im getting atm is £150 a month over 9 months on a VTR and i feel like its way to much

Well i didnt get a job till april lol, work in KFC (N) haha so not a well paid job :L . it wasnt paying her a set amount, just when i could really. I get EMA as well which literally i gave her all that and i little bit of my wages. Its took me 11 months to pay her back. My insurance runs out in just over amonth and have been quoted 1100 for a year, but it will be coming out my own pocket this time so will have to be monthly.

[Furio-Gazza]

Well i didnt get a job till april lol, work in KFC (N) haha so not a well paid job :L . it wasnt paying her a set amount, just when i could really. I get EMA as well which literally i gave her all that and i little bit of my wages. Its took me 11 months to pay her back. My insurance runs out in just over amonth and have been quoted 1100 for a year, but it will be coming out my own pocket this time so will have to be monthly.

£1100 is alright tho, when i 1st passed 3 years ago my Corsa B 1.4 16v sport was the same price as a VTR ive just been quoted on,

think im going to just have to pay it i guess, gonna chuck down a £500 deposit what makes it abit more cheaper a month over the year :)

[TimWesty]

£1100 is alright tho, when i 1st passed 3 years ago my Corsa B 1.4 16v sport was the same price as a VTR ive just been quoted on,

think im going to just have to pay it i guess, gonna chuck down a £500 deposit what makes it abit more cheaper a month over the year :)

That's exactly what i want to do, put a bigger deposit down to get that amount a month right down ;) i currently have saved £130 and have just over a month to keep on saving haha! :( i think i should of thought of this other than spending as much as a could on my car haha

[Prickle]

I pay £670 fully comp on my m3 which is far to high

pmsl.

how many ncb etc?

[blackie_2k5]

i always pay my ins up front now tbh, last 4-5 vehicles if not more... it may skint you a month or 2....but the rest of the year is sweet :D

[Furio-Gazza]

That's exactly what i want to do, put a bigger deposit down to get that amount a month right down ;) i currently have saved £130 and have just over a month to keep on saving haha! :( i think i should of thought of this other than spending as much as a could on my car haha

keep me up to date how your getting on with the saving pal, im on £220 atm and i want to put down £500 deposit so not long to go, and i get paid weekly whats not to bad, so im on cold turkey for the next few weeks :P

[TimWesty]

keep me up to date how your getting on with the saving pal, im on £220 atm and i want to put down £500 deposit so not long to go, and i get paid weekly whats not to bad, so im on cold turkey for the next few weeks :P

So whens yours due? What i'd love to do because i know i would save so much bloody money is stop driving for the next month, get a bus to college etc, maybe just use the car to work. In the last week and a half ive done 770 miles! I honestly don't know how i do it haha

[Ashleyp]

I'm not sure i've always upgraded before renewal but every year mines been £1200 until i got the 172, now ive changed to the 197 its back to £1200... hopefully next year it'll finally go down :/

Youre paying extra because the 197 has the shit spoiler on it. aka worst option.

anyway, i'm not too fussed about insurance, i'd like it cheaper but less than £700 a year isn't bad at all for moi :D

[Furio-Gazza]

So whens yours due? What i'd love to do because i know i would save so much bloody money is stop driving for the next month, get a bus to college etc, maybe just use the car to work. In the last week and a half ive done 770 miles! I honestly don't know how i do it haha

Mines a new policy matey, using a bike/scooter atm to get me to work and back :p

[devilsadvocate]

I just paid £1700 for 12 mths, as me (new driver) as main driver and my dad (full NCB) as named. just wondered how much it come down next year, when i have 1 yrs NCB? cheers

How did you use your dad's full NCB if he is the named driver?

I thought that NCB only applied to the policyholder (main driver), I could be mistaken :)

Mine stayed the same, although I don't have a car so now I have 4 years NCB sitting there doing nothing lol.
Will have to get a car/policy in the next 24 months or I will lose it :(

[TimWesty]

Mines a new policy matey, using a bike/scooter atm to get me to work and back :p

What bike you got? I'm sure i seen "aprilia" in one of your threads :P just saying becuase i've had a Rs50 and an rs125. Fun Bikes!!

[holdawayt]

just a quick qestion to you young lads/drivers, your insurance is like £1900.. £180/£190 a month, do you have mint paid jobs or do you just spend like half your wages on insurance?

Half my wages go into my insurance. It's a pain but it's not like I can go without.

[J222JRA]

I think it will go up to £2500 personally.

[Moke]

Mine went down just under £400 pound... I'm now paying just over £500 but I have a mooie and boobie loobies :)

Haha, you're such a moose!

[craig180]

my pride and joy haha, even if i did dent it by reversing into a bin after a week of ownership
That could have been a child, or another car which is precisely the reason your insurance is so high and will remain high. You are a risk.

I pay £670 fully comp on my m3 which is far to high
I've nit paid anything over £500 for my insurance for over 5 years. I suspect the Clipper will set me back all of £250 to insure this coming year

[Jonny52002]

You'll be lucky if it goes down by much mate, £1500 possibly at best.

I'm worried a bit as I currently pay £78.00 a month but with my recent crash on it will double when me renewal comes through in January :panic:.

[wassy78]

i give up with it goes up every year meant to go down lol my bmw went up 250 and saxo pay just over a grand but thats for everything on it so im happy with that ....but how would we know if its going up or down you will have to phone them m8

[jw1325]

I fell out with Admiral like

£500 quote on Type R - good times.

would normally pay it off in a oner but with buying the car, tax and insurance to do in one month wasn't going to happen, so asked about paying monthly...

£888 to pay it monthly! I don't fucking think so robbing cunts. nearly 400 on top (so about 80% on top of my premium) to pay it fucking monthly!

[Dolly]

Haha, you're such a moose!

HEHE :oops:

[nicole_]

oh im so jealous of how cheap insurance is for some people :(
how can you complian about paying 800 odd! lol

[jw1325]

oh im so jealous of how cheap insurance is for some people :(
how can you complian about paying 800 odd! lol

cause its acctually only 500 quid I should be paying lol. Not paying nearly 400 quid more solely for the priveledge of paying monthly lol!

[nicole_]

cause its acctually only 500 quid I should be paying lol. Not paying nearly 400 quid more solely for the priveledge of paying monthly lol!

noo i meant in general lol, i just plucked £800 as a random number :p some peoples are so so low and they still complain!

[jw1325]

noo i meant in general lol, i just plucked £800 as a random number :p some peoples are so so low and they still complain!

I've never paid over 600 for insurance - I remember when I first got the GTi and I was getting quotes of 900 odd quid - I remember phoning up in disgust cause I thought they were to high lol.

Was only 18 / 19 at the time

[chinkostu]

Mine was 1600 when i started. second year (2 accidents) it actually went down a few hundred. then plummeted to about £800 with the 1.1. vtr pushed it over a grand, 3 points didn't help. its now back to £780ish without the missus on there :)

[Furio-Gazza]

Half my wages go into my insurance. It's a pain but it's not like I can go without.

how much is your insurance matey?

[Prickle]

oh im so jealous of how cheap insurance is for some people :(
how can you complian about paying 800 odd! lol

because ive no accidents, points and 3ncbs. its just a fuckin joke.

i have a right to complain, well i did. Didnt get naeway like..

[0rang3peel]

Paid £600 on my VTS with 6 years no claims in an A area saying its kept on the drive, fucking crock of shit!

[Tontsy]

i paied 1100 for the Leon . . .

i hope it goes down in April

[dempseyblade]

just a quick qestion to you young lads/drivers, your insurance is like £1900.. £180/£190 a month, do you have mint paid jobs or do you just spend like half your wages on insurance?

It took me 14 months of hardcore saving to save up for my insurance. i am a landscape gardener btw

[Prickle]

It took me 14 months of hardcore saving to save up for my insurance. i am a landscape gardener btw

14months... what do get a month? $400? jesus christ... fuck waiting that long, har har.

[Tontsy]

if it took me 14 months to save for insurance, id expect it to be a fucking aston or something.

[Tontsy]

not a saxo :homme:

[Heftydanielson]

if it took me 14 months to save for insurance, id expect it to be a fucking aston or something.

Yeah but when you're on student it takes weeks just to save up for a 99p burger.

[Heftydanielson]

not a saxo :homme:

Yeah but you drive on of them Spanish things, so you don't count. ;)

[Furio-Gazza]

Yeah but when you're on student it takes weeks just to save up for a 99p burger.

no it doesn't as you get a free mc donalds cheese burger a day with your student card :homme: