Car Insurance, how much do YOU pay?

57
Found 16th Jun 2009
Just recently got full comp car insurance for £370 with First Direct for an insurance group 3 car, I'm a 23 year old male with 1 years no-claims. Thought that was pretty good but I'm curious to know how much everyone else pays for their car insurance, especially those aged 21-24.
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56 Comments
27, 2 years NCB, £750 FC on a modified SEAT Leon FR TDI in a High Risk area (bloody insurance companies !!!)
£290 fully comp for VW Bora 1.8Turbo. 33y/o male (+1 additional driver), max years NCD, Swiftcover
£274 ( Free Breakdown cover ) Churchill

Group 6 insurance

5 years No Claims

26 Male
£297 full comp 25 male with 5 year NCD + 1 add driver on a focus 1.6 - tesco
Banned
£0 I work right beside town and 2 minute walk from work so just get on my OHs as second driver for free
£520 with Elephant - 24 years old , 0 years no claims (had a crash), Vauxhall Astra 1.6 SXi 05
i paid 660 1st year FC, im 23, on a 1.2 55 plate
£470 for a 1.1 Fiat Cinquecento Sporting. Girlfriend is 25 and provisional, I'm 24 and full license. No NCB
Original Poster
ChrisUK;5506223

27, 2 years NCB, £750 FC



That sounds a lot for someone outside of young drivers category, what insurance group is your car if you don't mind me asking?

I should have added that I've been driving for 5 years.
Around £8K, I'm 17.
£300 for Fully comp, Group 18 Car with subtle mods, 15 Years NCB.
Banned
£86 third party only - honda civic vtec 1.5
31 yrs old, 6 years no claims (but 3 points due to expire this aug) insuring an Impreza and it was £125 deposit and then £88 per month, and that was the cheapest I could find and I searched a lot of places !! :x
Banned
£660

Zero NCB

30yo male living in Glasgow

Mondeo ST

Elephant
Banned
Charlie&Lola;5506324

31 yrs old, 6 years no claims (but 3 points due to expire this aug) … 31 yrs old, 6 years no claims (but 3 points due to expire this aug) insuring an Impreza and it was £125 deposit and then £88 per month, and that was the cheapest I could find and I searched a lot of places !! :x



seems alot!
I wouldn't insure me for £5000 so I think I've got a bargain...

I could write off somebody's Ferrari tonight...
Original Poster
csiman;5506317

£86 third party only - honda civic vtec 1.5



I take it you're not classed as a "young driver" then or have a lot of no-claims discount :roll:

Thanks for the responses by the way, people Didn't think I'd see so many posts!
dimebars;5506334

seems alot!



Tell me about it, I nearly had a fit, but I used Compare and some recommended sports car places, and it was still the cheapest. So have to take it on the chin I guess, and hope it goes down next year when the points are off
Banned
Charlie&Lola;5506374

Tell me about it, I nearly had a fit, but I used Compare and some … Tell me about it, I nearly had a fit, but I used Compare and some recommended sports car places, and it was still the cheapest. So have to take it on the chin I guess, and hope it goes down next year when the points are off



3 points dont make that much difference

never found Moneysupermarket or Compare any good - they are a good starting point but i always try direct with the insurer themselves

you should try Admiral/Elephant/Bell Direct
just got a quote for a 1.4 Skoda Fabia comfort x reg (2001), im 21, only had my license a year, and have only drove for a month anyways, Quinn Direct gave me quote of £635 for TPFT or £740 for fully comp.
Original Poster
Charlie&Lola;5506324

31 yrs old, 6 years no claims (but 3 points due to expire this aug) … 31 yrs old, 6 years no claims (but 3 points due to expire this aug) insuring an Impreza and it was £125 deposit and then £88 per month, and that was the cheapest I could find and I searched a lot of places !! :x



You're not serious, £1181 for a year?!!

Have a read of this ]article and make sure you shop around again in August. It might be worth the cancellation fee to get new cheaper insurance but 3 points shouldn't make that much difference, no more than 5% normally.

I would understand if you had made some modifications or you had 6/9 points or were 17 years old!
awoodhall2003;5506432

just got a quote for a 1.4 Skoda Fabia comfort x reg (2001), im 21, only … just got a quote for a 1.4 Skoda Fabia comfort x reg (2001), im 21, only had my license a year, and have only drove for a month anyways, Quinn Direct gave me quote of £635 for TPFT or £740 for fully comp.



Seems expensive. 21 /w 3 years NCB. £750 on a 58 plate Focus ST-3
Banned
awoodhall2003;5506432

just got a quote for a 1.4 Skoda Fabia comfort x reg (2001), im 21, only … just got a quote for a 1.4 Skoda Fabia comfort x reg (2001), im 21, only had my license a year, and have only drove for a month anyways, Quinn Direct gave me quote of £635 for TPFT or £740 for fully comp.



try Admiral / Elephant

put you down as the policy holder then add your mum or dad as a 2nd driver

the price should drop dramatically
4k+ full no claims, clean licence, over 40 years old.......................its a fully comp traders for all the gang!!!!
dimebars;5506403

3 points dont make that much differencenever found Moneysupermarket or … 3 points dont make that much differencenever found Moneysupermarket or Compare any good - they are a good starting point but i always try direct with the insurer themselvesyou should try Admiral/Elephant/Bell Direct



flyingflea;5506435

You're not serious, £1181 for a year?!!Have a read of this ]article and … You're not serious, £1181 for a year?!!Have a read of this ]article and make sure you shop around again in August. It might be worth the cancellation fee to get new cheaper insurance but 3 points shouldn't make that much difference, no more than 5% normally.I would understand if you had made some modifications or you had 6/9 points or were 17 years old!




I thought it was just due to the car. When I had a Vectra previously, it was only £35 a month, but as soon as I switched to an Impreza, that's when it shot up, so I just assumed they are classed as high risk which was why the premium shot up. Although I did opt to add on an extra £20 I think it was, as the excess was £650 and the £20 is for some policy thing that lets me claim £500 of it back if something happens.

What made me laugh the most was I got absolutely no discount at all for having a Cat 1 alarm and immobilizer and a tracker, and I double checked that with the insurer themselves rather than the brokers. So I didn't bother renewing the tracker as it wasn't going to reduce my premium at all
Banned
flyingflea;5506365

I take it you're not classed as a "young driver" then or have a lot of … I take it you're not classed as a "young driver" then or have a lot of no-claims discount :roll:Thanks for the responses by the way, people Didn't think I'd see so many posts!


no need for the :roll:
£612 - Fully Comp - 58 reg Honda Civic Type R GT - 10yrs NCB - Age 29 - Group 17 Insurance
250 pounds, group 13 car, three years no claims, 28 year old in the Highlands with Admiral - they've been consistently much cheaper than others (apart from Swiftcover but I wouldn't consider them)

John
Everyone's insurance is cheaper than mine, by a lot. :-(
22yr old woman + additional driver
5 years NCB
mondeo 1.8
£212 Fully comp
43 years old Sabb 93 1.9tdi sport 30.000 miles a year Fully comp with Swift Cover .com

£232 per year ............Yes I am old and that's the only good thing about it :oops:
17yr old male. 3rd party, fire and theft. £430 (as a named driver) (Seems like a lot but im in the high risk age range I think)

Oh and its a 2006 Renault Clio
The JFK;5506551

Everyone's insurance is cheaper than mine, by a lot. :-(



bing.com/ima…R10

Your car looks nice mate, how do you keep it so clean........
I'm 22 and I think I paid £190ish for 1st party with Admiral Insurance. Drive a Corsa, 2 years NCB and I also did the Pass Plus shceme which may contribute to why I get it cheaper.
aslz78;5506457

Seems expensive. 21 /w 3 years NCB. £750 on a 58 plate Focus ST-3


In what way does it seem expensive?

dimebars;5506458

try Admiral / Elephantput you down as the policy holder then add your mum … try Admiral / Elephantput you down as the policy holder then add your mum or dad as a 2nd driverthe price should drop dramatically


ill try them, however i cant add either or my parents as my dad doesnt drive and my mum only passed last year as well, thus doesnt do anything for my price!
Banned
i pay £900 for 1.9 cdti vectra. 21 male. cardiff. 1 ncb.
Original Poster
Rhys135;5506815

I'm 22 and I think I paid £190ish for 1st party with Admiral Insurance. … I'm 22 and I think I paid £190ish for 1st party with Admiral Insurance. Drive a Corsa, 2 years NCB and I also did the Pass Plus shceme which may contribute to why I get it cheaper.



1st party so would that be fully comp :whistling:

I didn't think Pass Plus worked 6 years after you passed but that is ridiculously cheap!!

My insurance was only £212 (after cashback) as a named driver on my Dad's policy when I first learned to drive at 18.
£300 fully comp

18 yo male
1.4 peugout

(im the 5th main driver)
mod
Keep on topic guys and try not to turn this thread into how much you earn/how often you break the law by speeding/how big your car is etc
23 y.o. Male, 1y NCB
Alfa 146 1.8TS
£735 per year
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