Insurance claim question (renewal)

[SaxoSam88]

Hi, as some fo you may know i recently was involved in a crash where my car was sadly written off.

The claim went on my insurance as i was on fully comp.
Its on my mums insurance but with me as the named driver, and went through as me who crashed the car :(

The question is, what will my insurance be like now, as i have a claim to my name (or do i?) for over £2k and i have just been offered a renault clio 1.6 but it is insurance group 6, whereas i was on a group 4 on my westcoast.

Im 18 and i havnt even been on the road a year! (november 3rd will be a year).. so it doesnt look good.

Thing is i am considering not getting another car as i am only going to have it for a year as im heading off to uni next year anyway and the car wont be coming with me.

Thanks in advance

[AntoSaxo]

:hijack:

give me your car wen u go uni :P

[Dave_M]

I think the claim will stay with you because it was you who crashed the car. Not 100% on that though.

You planning on going on your own insurance? If so it will be quite abit. Im in same situation. Think my quote is 1500 on my vtr(TPFT). And thats with 10months driving expierence, 3 points, and 1 claim which will be way over 2 grand payout. And im 18.

[ricksimmonds]

alirghte mate? im in the same boat as you, im 17 and ive written of 2 cars, both under my mums inurance policy, but my insurance only knows about one of them. Aslong as your not guna get convicted of anything like driving without due care an attention ur premium will harldy go up. Mines gone up by about 100-200 which is nothing realy!

Im buying a vtr in 3 weeks, and ive been ringing around lookin for quotes and noone wud touch me, ive given quinn-direct a ring and they will insure me third party for 1800 which i dont think is too bad so it might be worth you giving them a call.

I think clios are fairly cheap to insure aswel if i rember rightly, cus ive been doing qoutes for loads of cars checking out what i wanna buy wid my 3,000 loan in three weeks! cnt wait!

Good luck anyway mate
Rick

[ricksimmonds]

alright mate? what company are u insured with as 1500 seems good considering uve got points and shit! i wana give them a ring!
Cheers
Rick