The decision after the crash

[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

[Yates]

you have a claim against your name, get a quote on it and see how much it is, if you can go for it but go on your own policy, see if u can get a years no claims, then if u dnt take car to uni it doesnt matter when u finish u have a years no claims

[liamk15]

you might want to get a bus pass

[SaxoSam88]

you might want to get a bus pass


Dreading these answers is it really going to be that bad?

[Mystic]

Iv got 6 claims and im only 15, iv just stopped buyin insurance!

lol nah, it will go up but i dont think it will be extreme, just bite the bullet and take out ur own policy on the new car and work on ur no claims!

[liamk15]

lol 15 and 6 cliams

what can you get insured on at 15?

[Mystic]

lol 15 and 6 cliams

what can you get insured on at 15?

a really fast mountain bike, i keep crashin in2 expensive cars! :D:

[samcook]

when my mate was 18 he wrote off his astra and claimed, but his next car was a vtr on his own insurance wrote that off aswell and still managed to insure a 1.2 clio on his own insurance!! with 3points aswell, so it shouldnt make that much difference didnt to him!

[SaxoSam88]

a few more positives.
im either thinking a
2000+ saxo (vtr), clio, or 2001+ corsa
Or
jsut get another bike as my usual journeys consist of 3 miles each way.

[BLUE_DEVIL]

lol 15 and 6 cliams

what can you get insured on at 15?
A tractor?

[Dan]

I dont imagine it would be that bad mate, just ring for quotes mate and see what you get, you may be suprised.

[mattturbo]

my mates got a savage license hes got:
drink drivin ban
6 point
wrote of a clio
wrote of a quiksilver
10,000 claim against him

and his insurance on a mk1 golf 1.3 is £1300 at 19

[Hannah]

Iv got 6 claims and im only 15,




ure 15 n u got a mk2 saxo?! how u manage that? lol

[Mystic]

im 20 lol, my humour is lost on u guys!

A 15 year old with 6 claims and a VTS... come on! :D:

[scook]

Iv got 6 claims and im only 15, iv just stopped buyin insurance!

lol nah, it will go up but i dont think it will be extreme, just bite the bullet and take out ur own policy on the new car and work on ur no claims!

Stop talking crap , you cant get insured till you at least 16. What licence did you have !!!

[SaxoSam88]

Surely he had to have been joking, you cant even get a liscence at 15!