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    Car insurance for 18yo male

    Got my car insurance renewal letter in the post today.

    When I passed my test I got a 2002 Vauxhall Corsa 1Litre and tinted windows (which i declared as a modification!)

    I paid £3400 for third party and theft only! (double the bloody car value) what a joke aye!

    Any way, after one year of driving and 1year no claims, the same company (ecar) offer me a renewal price of £3000! what a joke!

    Anyways, I got a quote on admiral, with the same car, 1 years no claim, and my dad as a named driver, and they quoted me £900, which is better i suppose!

    Was wondering if any of you have advise on which companys do great prices for 18yo males with 1 years no claims....

    Cheers

    47 Comments

    Banned

    £900 is a great price for only 1 year no claims

    Original Poster

    shergold

    £900 is a great price for only 1 year no claims


    Yes, I am quite happy from going from £3400 to £900
    But I wanted to see if I can cut it down a little more

    I dont do manys miles (I put no more than 4000 p/a)
    Value of car is at £1500
    Dad as named driver, me as main driver
    Optional excess at the highest price
    1years no claims

    Was wondering if theres a way to get it down a bit more

    Confused.com or Gocompare

    Original Poster

    shauneco

    Confused.com or Gocompare


    I dont really rate these comparrison site, use them a few times, and they never seem to give low quotes

    take the advanced driving test?

    I have my insurance with elephant and the price is good. Worth giving them a try.

    Adrian Flux?

    That's a good price, i pay around £850 on a 1.6 golf with 2 yrs no claims with elephant and I'm over 25!
    Edited by: "Snoop7" 7th May 2011

    Going from 18 to 24, Admiral and Elephant have consistently been the cheapest for me.

    how the hell did you get it that low my parents have over 40 years no claims combined and theres just went from £600 to £1200 for the year

    im 24 have been driving 4 years i dont have any no claims but ive been a named driver on a policy for that time and drove for work and the cheapest i can get for a 52 plate corsa is £1800 i know my postcode is not good but this takes the biscuit

    Sh0rty

    how the hell did you get it that low my parents have over 40 years no … how the hell did you get it that low my parents have over 40 years no claims combined and theres just went from £600 to £1200 for the yearim 24 have been driving 4 years i dont have any no claims but ive been a named driver on a policy for that time and drove for work and the cheapest i can get for a 52 plate corsa is £1800 i know my postcode is not good but this takes the biscuit



    I'm 22, been driving for just over 1 year and my insurance is £800 for a 1.8l 2007 astra (1 year ncb)

    My parents who have been driving for 20+ years pay £100-300.

    Try Aviva or Direct Line.
    Edited by: "rwm24" 8th May 2011

    Sh0rty

    how the hell did you get it that low my parents have over 40 years no … how the hell did you get it that low my parents have over 40 years no claims combined and theres just went from £600 to £1200 for the yearim 24 have been driving 4 years i dont have any no claims but ive been a named driver on a policy for that time and drove for work and the cheapest i can get for a 52 plate corsa is £1800 i know my postcode is not good but this takes the biscuit



    £1200?? what car is that

    get a quote using quidco, it will be cheaper than quote at go compare + cashback.

    Banned

    take the Halfords tinting film off the windows

    900 is good! I pay 660 with 3 years no claims and I'm 25 + a great price considering most peoples insurance are increasing!

    Our insurance went up last year with 8 years no claims and couldnt find anywhere cheaper, i remember when my brother passed his test when he was 18, he got a fiesta xr2i (i think?) and his insurance was £1600 i dread to think what that would be now!

    would agree with someone else on here take the modifications off it will reduce your price

    Do you have to declare window tinting? I never have, does this mean I am not covered if we have an accident? it had never really occurred to me.

    Banned

    get a quote for fully comp. Its normally cheaper than TPFT.

    strange but true!

    moneysavingexpert.com/new…che

    Edited by: "csiman" 8th May 2011

    melcarroll

    Do you have to declare window tinting? I never have, does this mean I am … Do you have to declare window tinting? I never have, does this mean I am not covered if we have an accident? it had never really occurred to me.



    Only if it's been added post production line. If it's tinted coming out of the factory, then no you don't.
    Edited by: "ChrisUK" 8th May 2011

    Banned

    add your mother/brothers/sisters as named drivers also.
    for just myself was 1200
    if I added my mother it dropped to 950
    and add my sister aswell and it drops to 800 !!!

    Banned

    You won't get cheaper than Admiral. And Elephant/Diamond/Bell an I think Sheilas Wheels are all the same company.

    dimebars

    You won't get cheaper than Admiral. And Elephant/Diamond/Bell an I think … You won't get cheaper than Admiral. And Elephant/Diamond/Bell an I think Sheilas Wheels are all the same company.



    Aviva and Direct Line were a lot cheaper than Admiral, Elephant etc for me.

    tbh theres no need to declare tints.

    i-kube.co.uk/iku…ce/

    Tints need to be declared if they are not factory fitted. If unsure, better to declare than to have reason for the insurance company to allow them to void the policy in the event of a claim due to a technicality.

    have you tried aviva? mine actually went up by £350 even though I didnt make any claims which is crazy aviva was the only one that was the cheapest by £15 from what I paid last year which is still ridiculous, and I am main driver with clean license, hate insurance companies biggest cons.

    vlj

    add your mother/brothers/sisters as named drivers also. for just myself … add your mother/brothers/sisters as named drivers also. for just myself was 1200if I added my mother it dropped to 950and add my sister aswell and it drops to 800 !!!



    I was going to recommend adding his mother as well, I have my Mum on my car as she occasionally uses my car which dropped the policy and decided to add my Dad this year as he's no company car and it dropped it a further 30 pounds. Doesn't sound like much but brought it from over £300 down to £280 which is still worth having.

    If you haven't got a quote from Elephant I'd give them a go as well, I know they're the same company as Admiral but I usually find one will undercut the other leaving me switching back and forth between the two over the years.

    John
    Edited by: "Johnmcl7" 8th May 2011

    My insurance went from £330 to £360 fully comp this year and I'm a 25 year old male with 3 years no claims and have a history of one accident (non-fault).

    Have a look here for cheap insurance advice

    Original Poster

    Me as main driver and mum and dad as named drivers
    £500 vol excess
    1Years NCB
    Tints declared

    Admiral - £834.67

    Getting better!

    Yes, I am quite happy from going from £3400 to £900But I wanted to see if … Yes, I am quite happy from going from £3400 to £900But I wanted to see if I can cut it down a little moreI dont do manys miles (I put no more than 4000 p/a)Value of car is at £1500Dad as named driver, me as main driverOptional excess at the highest price1years no claimsWas wondering if theres a way to get it down a bit more



    Hi, anything between 0-8000 miles is the same bracket with most companies, Youve cut your insurance by over 50 % so i wouldnt complain about that all seems good for you just now, im 19 and pay a grand for my insurance on a not very fast car

    Although it's wrong (fronting)

    You can put a parent as main driver and you as second, with direct line you will still build no claims but only with them.

    Might be worth a try, my friend did it (21 years old) and his was 1000 with more than, and dropped to 650 with direct line and his mum as main driver.

    Although it's wrong (fronting)You can put a parent as main driver and you … Although it's wrong (fronting)You can put a parent as main driver and you as second, with direct line you will still build no claims but only with them.Might be worth a try, my friend did it (21 years old) and his was 1000 with more than, and dropped to 650 with direct line and his mum as main driver.



    The award for the worst advice on this thread goes to . . .

    Fronting is illegal, completley daft to even give advice for someone to do that.idiot

    Banned

    obriendean

    Although it's wrong (fronting)You can put a parent as main driver and you … Although it's wrong (fronting)You can put a parent as main driver and you as second, with direct line you will still build no claims but only with them.Might be worth a try, my friend did it (21 years old) and his was 1000 with more than, and dropped to 650 with direct line and his mum as main driver.


    might as well drive around uninsured - exactly the same as fronting but free!

    Ermmm....

    I'm pretty sure it's not the same as being uninsured, I know people who have claimed whilst fronting with no issues. Not saying that I would do it, but plenty of people do do it with the ridiculous prices of insurance nowadays.

    Banned

    obriendean

    Ermmm....I'm pretty sure it's not the same as being uninsured, I know … Ermmm....I'm pretty sure it's not the same as being uninsured, I know people who have claimed whilst fronting with no issues. Not saying that I would do it, but plenty of people do do it with the ridiculous prices of insurance nowadays.


    still illegal, bad advice and in the event of a big claim then they will find out and then you'll be liable for the claim amount

    obriendean

    Ermmm....I'm pretty sure it's not the same as being uninsured, I know … Ermmm....I'm pretty sure it's not the same as being uninsured, I know people who have claimed whilst fronting with no issues. Not saying that I would do it, but plenty of people do do it with the ridiculous prices of insurance nowadays.



    but the insurance is void and therefore, if the company did some checks they wouldnt pay out. So it is nearly as bad as being uninsured.

    The price for the OP is good now anyway, cant see it getting much cheaper than this!

    Ok ok fair points you all make, scrap my suggestion, I was just pointing out what a couple of friends have done in the past

    Admiral are good Im 24 drive a 60 clio £320 fully comp per annum can't complain at all

    OP, I'm in the same situation as you - 18 and looking for car insurance for a corsa. Though no tinted windows here! I have been driving for 16 months but no no claims as I was a named driver on my parents insurance before. I went through confused.com and Admiral and Elephant (same underwriters) both came out around the £670 mark! This was fully comp and with voluntary excess around the middle point (NB. putting it to the maximum didn't bring the premium down significantly). I was shocked at this - seemed to good to be true but checked through them again and all was in order. You may have seen that they offer a 10 month NCB accelerator so they give you a years worth of no claims after only 10 months if you chose this over the 12 month policy. I think it works out a wee bit more expensive though. That £834 quote you got is pretty decent but you may aswell give confused a go despite your misgivings. Hope this helps.

    Original Poster

    knack

    OP, I'm in the same situation as you - 18 and looking for car insurance … OP, I'm in the same situation as you - 18 and looking for car insurance for a corsa. Though no tinted windows here! I have been driving for 16 months but no no claims as I was a named driver on my parents insurance before. I went through confused.com and Admiral and Elephant (same underwriters) both came out around the £670 mark! This was fully comp and with voluntary excess around the middle point (NB. putting it to the maximum didn't bring the premium down significantly). I was shocked at this - seemed to good to be true but checked through them again and all was in order. You may have seen that they offer a 10 month NCB accelerator so they give you a years worth of no claims after only 10 months if you chose this over the 12 month policy. I think it works out a wee bit more expensive though. That £834 quote you got is pretty decent but you may aswell give confused a go despite your misgivings. Hope this helps.



    I just re done my quote with all the same details as used for my £834.67, but instead of a 12month, I choose the 10month....its lowered the premium to £727.61!!!!!!!!!!!!!

    I dont understand how it works, you get 1years ncb if you don't claim in the 10months, so surely they are giving away 2 frees months :s.....any ideas?
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