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21yr old car insurance

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hey, so i've just passed my test and im looking to get a car asap. Now i know that quotes will be sky high but i didn't think they'd be £2.5k+! That too with my ma as a named driver on a Vauxhall Cors… Read More
ukting Avatar
10m, 3d agoPosted 10 months, 3 days ago
hey, so i've just passed my test and im looking to get a car asap. Now i know that quotes will be sky high but i didn't think they'd be £2.5k+! That too with my ma as a named driver on a Vauxhall Corsa 1.0 i 12v Club 3dr (03 plate) which is insurance group 1 or 2. I'm from slough, berks which isnt the prettiest place to own a car but still i was considering something like £1200, not £2500!

mind this was using comparison sites so maybe its cheaper to try direct? Does anyone know a firm that is cheap or kinder to younger people? I will be getting a dashcam. Also this is with 3rd party only (no fire or theft), there isnt any point in comprehensive as the car is only £345, or am i missing something?

Also is this a correct way about getting experience + cheap car insurance: getting a cheap car like a corsa, setting excess as high as possible and drive carefully for 2 yrs to build NCB?

thanks
ukting Avatar
10m, 3d agoPosted 10 months, 3 days ago
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(1)
am with admiral when I pass they give me 6month free no claims but I was paying 154 a month but I now been on the road for a year now and am paying 62 a month and I didn't have that black box thing

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#1
have u checked direct line
#2
I found them about 500 cheaper then majority of the compare sites
#3
taylor102081
I found them about 500 cheaper then majority of the compare sites
ok gonna give them a try as we speak
#4
comprehensive can sometimes be cheaper as it means you might actually care about what you are driving. look at the tracker/black box options also it might be the cheapness of the car that's putting price up as insurance might not consider it to be a greatly safety feature filled car..
#5
Fully comprehensive is usually cheaper, try that. Also try admiral smart miles. They put a black box in the car to monitor your driving habits but you will find the premium is lower.
#6
Try Adrian Flux, they were best price for my daughter with the same car as you. Also look for other specialists.
#7
taylor102081
I found them about 500 cheaper then majority of the compare sites
they dropped a 3 grand quote with telematics lol

i think theres something wrong with either my area or the car.
#8
#9
Elephant or Admiral on a 10 month bonus accelerator always used to be the cheapest a few years ago
#10
Got my sons from Bell, box for the first 3 months then send it back, he's the main driver I'm named. Brought it down a bit there.
#11
Generally comprehensive policies tend to be cheaper.
I was with Admiral multi car when I first passed which was less than £500. I was 20 and had a 16 year old VW polo at the time.
I'm not sure if they are any good now, but it's worth a quote.
#12
Have you bought the corsa yet? If not try a different car for insurance. There's more to risk analysis than insurance group.
#13
I agree with Wadda when I passed my test a 1.1 corsa quoted £4500 but a 1.6 Astra was £1500 both in the same group but as the Astra was classed as a family car it was a lot cheaper
#14
High excess doesn't normally reduce it by much, the difference between a £350 vol excess and zero vol excess was £25 in my first year and is about £10 now. Also as above comprehensive is often cheaper and tweaking your job (use the MSE tool) can help but be careful with this and make sure you can justify what you put down. Also a lot of typical young people cars are semi-blacklisted and cost more, my 1.8L focus cost way less to insure than my friends 1.2L Clio.


Edited By: dcx_badass on Sep 22, 2016 03:22
#15
Wadda
Have you bought the corsa yet? If not try a different car for insurance. There's more to risk analysis than insurance group.


No I havent, I was looking at cars by their insurance group and the corsa came up in group 2.

Im sure there is a variable thats shooting up the price.
#16
coming up 3.8K on bell with the blk box on the 1.0 corsa.

im going try another car, anyone got ideas?
#17
You say the Car is only worth £345, so its not gonna matter what your voluntary excess is. Make sure when you are getting a quote set it as high as possible. This will lower the price, If you were to have an "at fault" accident and the car was written off, you wouldnt get any money back, but it makes it cheaper to get you on the road.
Also as previously said get quotes for both 3rd party and Comprehensive.
All the questions they as will have an impact on the price of the quote. Will it be parked in a garage, driveway or road, does the car have an alarm or a security device fitted?
It will make a difference if you commute or if its used for SDP, even the mileage you will do will bump the pice up. The first year should be the worst, but everyone has to go through it, and the price you pay should drop dramatically as you get older and hopefully gain your No claims Bonus.
Forgot to mention, advanced driving courses, can give you a discount, so you could also check how much something like Pass Plus is with your driving instructor. It was quite a few years ago, but when I did Pass Plus, the insurance company recognised it as my first years No Claims, and the discount on the premium more than paid for itself when I had paid for the course.
#18
When my lad (hes 19) was looking for car insurance i spent a couple of hours on a comparison site searching the insurance price for lots of different cars to see what would be in his price range, i put in all his details then just kept changing car details. I was surprised that a newer more expensive car was coming up cheaper than an older car. He was adamant he wanted a fiesta zetec s and it was cheaper to insure than some 1.0 and 1.2 ltr cars. It was deffo worth the time and by doing this first he then knew what type of car to look for. Also as mentioned above tweaking your job can make a big difference in the price. ☺
#19
similar thing with my daughter whos 18 she's got her test in 3 weeks so I was comparing quotes with her and the dearest she had was £1500 but the cheapest was for a Kia picanto for £1100 on a black box and they're only £30 tax also.
#20
A corsa fits into the categories of boy racer, new driver and learner driver which will increase the premium massively when they take into account your age and time license held.

If you want small try cars like the Micra, Picanto and i10, they aren't your typical boy racer car and tend to be overlooked by new drivers and learners.
If your happy with larger cars then just pick a few you like the look of and compare quotes.

Try switching types of insurance TP, TPF&T and fully comp.
Try adding more people as named drivers
Try adjusting the excess.
Tweak your job title
Adjust the mileage to the lowest you'll likely do.
#21
joedastudd
A corsa fits into the categories of boy racer, new driver and learner driver which will increase the premium massively when they take into account your age and time license held.
If you want small try cars like the Micra, Picanto and i10, they aren't your typical boy racer car and tend to be overlooked by new drivers and learners.
If your happy with larger cars then just pick a few you like the look of and compare quotes.
Try switching types of insurance TP, TPF&T and fully comp.
Try adding more people as named drivers
Try adjusting the excess.
Tweak your job title
Adjust the mileage to the lowest you'll likely do.
by larger cars, do you mean the engine size? and yeah that's a good point about the corsa. I think I'm adamant on getting a corsa since it's the car I learnt in and enjoyed driving it.

the thing is I really don't want to spent more than a grand on the car since i will be ridding it in 2 years after improving NCB/gaining experience. Other than a corsa/micra/clio/ka there's not many that would satisfy that criteria as far as autotrader is concerned.
#22
Insurance groups on cars don't mean necessarily cheaper insurance, I had 1.2 fiesta £700 fully comp , swapped to a 1.6 focus went down to £385 fully comp . And the focus was a higher insurance group. This was with the same insurer too.
#23
markymark81
Insurance groups on cars don't mean necessarily cheaper insurance, I had 1.2 fiesta £700 fully comp , swapped to a 1.6 focus went down to £385 fully comp . And the focus was a higher insurance group. This was with the same insurer too.
ah ok. i've tried using corsa/clio and both are giving me 2 to 5K+.

I don't know if it's my profession (part time in a store)/studying at uni, my area (slough, most probably this) or some other variable.

i think i'll have to stick to being a pedestrian!
#24
ukting
markymark81
Insurance groups on cars don't mean necessarily cheaper insurance, I had 1.2 fiesta £700 fully comp , swapped to a 1.6 focus went down to £385 fully comp . And the focus was a higher insurance group. This was with the same insurer too.
ah ok. i've tried using corsa/clio and both are giving me 2 to 5K+.

I don't know if it's my profession (part time in a store)/studying at uni, my area (slough, most probably this) or some other variable.

i think i'll have to stick to being a pedestrian!


But a Clio falls into the same 'potential boy racer' category. If you're not planning on keeping it for more than a couple of years think outiside the box and look at cars that no boy racer would be seen dead in!
It's also worth getting used to driving different types of cars whilst you're young so in years to come when you may have a family in tow you're comfortable with bigger cars having got all of your 'practice' out of the way on an old cheap thing and not your shiny new one!
#25
Corsa's are very common amongst people who have just passed so they will have a higher claim rate due to accidents, and be owned by more 'dangerous drivers' and 'boy racers' so get something else and you will get lower quotes. You also have to consider that a £345 car if it gets damaged they will probably just write it off (even for a scratch if you tried to claim) and then their payout will be more so that puts it up too.

If you don't care about your dignity look at micras and things like that.
#26
murtgurge
Corsa's are very common amongst people who have just passed so they will have a higher claim rate due to accidents, and be owned by more 'dangerous drivers' and 'boy racers' so get something else and you will get lower quotes. You also have to consider that a £345 car if it gets damaged they will probably just write it off (even for a scratch if you tried to claim) and then their payout will be more so that puts it up too.
If you don't care about your dignity look at micras and things like that.
yeah cool, i think i can manage for the good part of 2 years.

I'm gonna try a micra and also a VW lupo (seems like these are overlooked due to polos).
#27
hazzah! the VW Lupo 1L brings it to £3.8k.

i wish i never passed my test, being a learner was cheaper.
#28
Try an old Rover 214si bubble shape. Usually very cheap, fairly reliable, and still 104bhp!
#29
Years ago when bought my first insurance - 3rd party fire and theft was cheaper for me than 3rd party only.
#30
i had 2 weeks provisional insurance on my mums car, could that aid in anything to bring the quote down?
#31
ukting
i had 2 weeks provisional insurance on my mums car, could that aid in anything to bring the quote down?

No it won't help at all - 1) It's a different car, 2) You were provisional, 3) It was for only 2 weeks therefore you would never have built up no claims bonus (Which I'm not sure you can even do until after you pass your test? Someone feel free to enlighten me on that! :p ). It's a completely different policy.

If your mum's company has a multicar policy, you can get a quote for adding your car to the family multi-car policy. I did this with Admiral and it was the cheapest (Corsa about 4 years ago) - can't remember how much the quote was anymore tbh.

Edited By: Firefly1 on Sep 22, 2016 20:21
#32
Firefly1
ukting
i had 2 weeks provisional insurance on my mums car, could that aid in anything to bring the quote down?
No it won't help at all - 1) It's a different car, 2) You were provisional, 3) It was for only 2 weeks therefore you would never have built up no claims bonus (Which I'm not sure you can even do until after you pass your test? Someone feel free to enlighten me on that! :p ). It's a completely different policy.
If your mum's company has a multicar policy, you can get a quote for adding your car to the family multi-car policy. I did this with Admiral and it was the cheapest (Corsa about 4 years ago) - can't remember how much the quote was anymore tbh.
lol yeah i havent tried the multicar option as of yet. my mum's with Bell, pretty sure that's part of Admiral or are they two different companies?

Also how does a VW Lupo 1.0L sound? Like no one in history has ever owned one afaik or as of recent anyway.
#33
Try Hastings Insurance - managed to get a good deal for my son who is almost 18 yrs old.
#34
Try https://www.ingenie.com/ they insured my 18year old daughters Toyota Aygo for £1100, they give a refund for safe driving via the black box. Just had her renewal and it is £770.

Avoid Corsa's, insurance companies just don't like them for young drivers; pick something else, Aygo/C1/107 or for something a little bigger try a Polo. Run some quotes on various cars to find the cheapest deals.
Add on a parent as an additional named driver, but not as the main driver.
Estimate your annual mileage, discounts available for less than 5000 miles per annum.
Avoid commuting, can make big savings if you don't use the car for going to/from work at peak times.
Don't misrepresent the truth, insurers have a way of finding out and if you defraud an insurer forget low premiums ever...
#35
Yaris micra aygo and corsa are all expensive as first cars. Try your details for a suzuki swift......what does it say?

Edited By: t_kaay on Sep 23, 2016 17:16
#36
t_kaay
Yaris micra aygo and corsa are all expensive as first cars. Try your details for a suzuki swift......what does it say?
stupid £3.5k quote.

i tried a lupo 1.0L on gocompare and got £2060 with telematics. Think ill wait a year, that'll bring it down? or not since i didnt gain driving experience?
#37
Are there any new car leases around that offer free insurance? Might be a cheaper way of doing things for a couple of years!
#38
Have you tried Marmalade?
It's Black Box Insurance but it's cheap and you can get a rough quote in seconds without giving any personal details.
#39
KnightInd2000
Have you tried Marmalade?
It's Black Box Insurance but it's cheap and you can get a rough quote in seconds without giving any personal details.
yeah i did, but they wont insure cars older than 9 yrs. I'll give that a try with a 07+ plate car but i probably won't be able to get that new a car.
#40
ok so tesco black box offered £1620.38 on a VW Lupo (i just love this car lol).

thats not too bad IMO. Best quote I've been given thus far.

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