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    Driving Insurance

    Hey all passed today a little late to the party at 29 but passed all the same.

    I just got a quote for £157 a month on a clio which my partner drives, her first car also, when she pays £88. What's the deal with that?

    Anyway which card are cheap to run and insure?

    Cheers.

    13 Comments

    no such thing as cheap insurance for new drivers.
    You could get a 2.0 mondeo that could be cheaper to insure than 1.2 corsa
    you also dont earn NCB (transferable) if you are a second driver.

    Are you taking out your own insurance or being added as additional driver on your partner's existing insurance? The later will be cheaper to start but you will not gain NCD with most of the insurance companies.

    Standard car insurance tips -

    1 - put an additional driver(s) on your insurance - someone in late 40's to late 50's with a clean licence and accident free, try a couple (your parents perhaps).
    2 - Try ALL comparison websites. I often find the Quidco comparison site is the cheapest but not always. Also try comparethemarket, gocompare, confused, moneysupermarket
    3 - Try to pay annually if you can (consider taking a cheap loan if possible)
    4 - Try different titles for your job - this can make a difference
    5 - Fully comprehensive insurance is likely to be cheaper than 3rd party.
    6 - Strip out all extras - e.g. Legal Expenses Cover - if you really want this it can be bought separate for around £10/year
    7 - Consider a black-box in the car, but only if it makes the insurance cheaper.

    The risk at the moment is more you (your inexperience) rather than the car you drive! Drive carefully (always) and with luck in a few years your premiums will come down with a few years No Claims Bonus. When you then achieve 4 years, protect your bonus with a small additional payment.

    Original Poster

    Van1973

    Standard car insurance tips - 1 - put an additional driver(s) on your … Standard car insurance tips - 1 - put an additional driver(s) on your insurance - someone in late 40's to late 50's with a clean licence and accident free, try a couple (your parents perhaps).2 - Try ALL comparison websites. I often find the Quidco comparison site is the cheapest but not always. Also try comparethemarket, gocompare, confused, moneysupermarket3 - Try to pay annually if you can (consider taking a cheap loan if possible)4 - Try different titles for your job - this can make a difference5 - Fully comprehensive insurance is likely to be cheaper than 3rd party.6 - Strip out all extras - e.g. Legal Expenses Cover - if you really want this it can be bought separate for around £10/year7 - Consider a black-box in the car, but only if it makes the insurance cheaper.The risk at the moment is more you (your inexperience) rather than the car you drive! Drive carefully (always) and with luck in a few years your premiums will come down with a few years No Claims Bonus. When you then achieve 4 years, protect your bonus with a small additional payment.



    Cool, just what I was looking for and will take all these into consideration.

    Thanks.

    Im 18 and the cheapest quote for me was with directline (not on price comparison sites). Also when i changed car they didnt charge admin fees which is a bonus.

    Passed at 32 £740 First year £350 second, id look around a bit more and use 'Van1973' 's tips.

    I passed at 30, and quote on a new car was nowhere near that much for fully comprehensive on a new car. Think you should be able to find something for nearer the £80-90 a month mark tbh. I found Admiral to be one of the cheapest, and I don't think they are on comparison websites (I think Direct Line are the same), so maybe worth looking into that.

    Give Chris Knott a call, they are brookers and can quote from more companies than comparison sites.

    Van1973

    Standard car insurance tips - 1 - put an additional driver(s) on your … Standard car insurance tips - 1 - put an additional driver(s) on your insurance - someone in late 40's to late 50's with a clean licence and accident free, try a couple (your parents perhaps).2 - Try ALL comparison websites. I often find the Quidco comparison site is the cheapest but not always. Also try comparethemarket, gocompare, confused, moneysupermarket3 - Try to pay annually if you can (consider taking a cheap loan if possible)4 - Try different titles for your job - this can make a difference5 - Fully comprehensive insurance is likely to be cheaper than 3rd party.6 - Strip out all extras - e.g. Legal Expenses Cover - if you really want this it can be bought separate for around £10/year7 - Consider a black-box in the car, but only if it makes the insurance cheaper.The risk at the moment is more you (your inexperience) rather than the car you drive! Drive carefully (always) and with luck in a few years your premiums will come down with a few years No Claims Bonus. When you then achieve 4 years, protect your bonus with a small additional payment.



    All great tips.....

    Just to add....
    - Reduce the mileage If possible but don't under estimate, most people automatically put 10k or 12k milles , dropping this to 6k or 8k can reduce the price
    - Only choose the usage you need, If your not going to use the car for commuting choosing SDP without commuting can take a big chunk off the premium
    - Experiment with different Voluntary Excess amounts...

    Original Poster

    All good tips these guys much appreciated!

    Seems a lot, my first year on my 1.8L Focus at 25 was only £750. Are you adding yourself as an additional driver or your own policy?
    Edited by: "dcx_badass" 8th Jun

    Original Poster

    It was my own policy, I have settled as being added as a driver to my partners as they have done it for no extra charge.

    Will look to get my own when I have saved up £1100 and pay upfront for a year.

    dcx_badass

    Seems a lot, my first year on my 1.8L Focus at 25 was only £750. Are you … Seems a lot, my first year on my 1.8L Focus at 25 was only £750. Are you adding yourself as an additional driver or your own policy?


    Its all down to address I find. I'm 28 been driving 10 years, never had an accident and have 3 years no claims but pay £1200 on a hybrid Peugeot..
    If I could insure it from work i'd be looking about £600.
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