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    Car Insurance...Again

    Finally passed my test; and trying to get some descent quotes for my 1.8 TDDI Focus

    So far Churchill is the cheapest at £1820 (I know!) PLUS 10% off for Pass Plus (Going by what the site says)

    Tesco was cheapest when I was looking in the past; but now its £2049

    Anyone know any good ones for an 18 Year Old lad with a part time job?

    Also; if I rang them up can I haggle and get a better premium?

    These quotes were Comprehensive and not third party

    25 Comments

    Have you tried direct line? they can be quite good.

    Original Poster

    Yeah I did; just over £2200

    Churchill shocked me actually LOL

    Get a smaller car!! My first car was a 1976 Austin Mini 1000, much more fun to drive and only cost £400 to insure!

    If your stuck with the car then try some brokers, Im currently with Highway something or other. But went through a broker.

    Good Luck!

    get smaller engine

    Try the RAC,
    They were reasonable for my son.

    The comment on engine size is right though, go for a newer car with a smaller engine, it will be just as fast and not cost as much to run.
    Good Luck

    I'm surprised they even quoted you!!


    . . .. . . try a Perodua Nipper :thumbsup: :w00t:

    Original Poster

    I have had quotes for cars with a smaller engine (306, 106, corsa, saxo etc) and have been the same OR more expensive! Crazy I know but true!

    Anyone know of any insurers that give a big chunk of a discount for pass plus?

    Congratulations!!! Try [url]www.confused.com[/url].

    See if you can get a quote from Quinn direct, not sure if they do England.
    They were half the price of anyone else for my 19y/o on Thursday.
    Post office and Endsliegh were the next best.

    Congratulations

    Original Poster

    nono;3288014

    See if you can get a quote from Quinn direct, not sure if they do … See if you can get a quote from Quinn direct, not sure if they do England.They were half the price of anyone else for my 19y/o on Thursday.Post office and Endsliegh were the next best.Congratulations



    Have done bud; £1950 WITH Pass Plus

    Mad I tell thee :thumbsup:

    Isnt pass plus only worth 5-10% ???

    I remember when I passed my test all them years ago it cost more to do the pass plus than the saving on the insurance!!

    sicpuppy;3287883

    I have had quotes for cars with a smaller engine (306, 106, corsa, saxo … I have had quotes for cars with a smaller engine (306, 106, corsa, saxo etc) and have been the same OR more expensive! Crazy I know but true!Anyone know of any insurers that give a big chunk of a discount for pass plus?



    Could also be the "type" of car you are going for, My bro has a punto costs him £800 FC, I bought a saxo when i passed my test and the insurance was more costly because i bought a "special" edition (im still yet to learn what was so special about it!!) the spec makes the difference im afriad ;-)

    Original Poster

    foxymissroxy;3288127

    Could also be the "type" of car you are going for, My bro has a punto … Could also be the "type" of car you are going for, My bro has a punto costs him £800 FC, I bought a saxo when i passed my test and the insurance was more costly because i bought a "special" edition (im still yet to learn what was so special about it!!) the spec makes the difference im afriad ;-)



    Like...basic 1.1, 1.2, 1.4 petrols...

    Think Churchills gonna be hard to beat to be honest

    sicpuppy;3288134

    Like...basic 1.1, 1.2, 1.4 petrols...Think Churchills gonna be hard to … Like...basic 1.1, 1.2, 1.4 petrols...Think Churchills gonna be hard to beat to be honest



    Yeah not so much the engine but the model eg saxo, 106, focus . . . . . . all make me think of dodgy body kits, exhausts you could put your head in, and blue side lights :whistling:

    you wouldnt have that trouble with a toyota yaris lol

    Original Poster

    foxymissroxy;3288177

    Yeah not so much the engine but the model eg saxo, 106, focus . . . . . . … Yeah not so much the engine but the model eg saxo, 106, focus . . . . . . all make me think of dodgy body kits, exhausts you could put your head in, and blue side lights :whistling:you wouldnt have that trouble with a toyota yaris lol



    Ah I see...I wanna stick with this car to be honest; less hassle

    try admiral my daughter is 18 passed her test in july had quotes for 1300 but admiral were 850

    Banned

    its not mad at all, a 1.8 focus as your first car, you knew when you bought it, the insurance was not going to be low.

    Look in the back of exchange and mart - there are specialist companies for young people
    I had the same problem, went through a company called Express Insurance and got a pretty good deal last year (shame it wasnt so good when I was renewing)

    Banned

    octobergirl;3288536

    try admiral my daughter is 18 passed her test in july had quotes for 1300 … try admiral my daughter is 18 passed her test in july had quotes for 1300 but admiral were 850



    You obviously don't have a son or husband. Women drivers get insurance a lot cheaper than men. Even though women have more smashes we cause more damage.

    Try [url]www.lv.com[/url]

    That's Liverpool Victoria's website, they're normally quite cheap!
    Have you ever had a moped/scooter? as some people accept the no claims off that insurance for a car insurance. That's what i had anyways, brought my premium down to £500. (At 17 just passed driving a Saxo LX i think)

    Be warned, my niece got quoted discounts with pass plus but the insurers wanted all of the premium up front and wouldn't let her pay monthly without a huge addition to the premium.

    She's 17 and just insured with Direct Line, 1.2 Fiat Punto, FC £1000 (paid it for her and she pays me back, only way we could do it without them ripping her off)

    Banned

    If you work for tesco for 1yr you can get 0%apr on your monthly payments with them save a fortune. Only after 6.5yrs have they sussed i quit. Now paying damn 25%apr now.

    lumoruk;3290788

    Now paying damn 25%apr now.



    http://lh4.google.com/Sandwalk/RaVwK_-PcyI/AAAAAAAAAW0/uHV0wHjl9zU/ohmygod.bmp

    Original Poster

    Right; ended up going with Tesco (Used my sisters clubcard to get t down a little!) at £1870 fully comprehensive...The reason is when I rang up this morning the guy informed me that the current Pass Plus discount is 20%; so works out around £1500 which I am over the moon about

    Thanks for everyones help
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