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    New driver insurance

    So, I passed my test first time last week (go me) however I'm buying my first car and having a nightmare. My budget is around £2500 for car and insurance. So far I have seen a couple of cars around where I live (Sunderland) but they're around 10 years old and around 100k miles and insurance is around £1300-£1500 at the cheapest place which is Hastings Direct. What should I be looking for in a car and insurance? Thanks

    19 Comments

    try a telematics policy as you're likely to get it much cheaper as a young driver. I.e Hastings Smart miles.
    you can search online for what insurance groups each car falls in, look through the lowest groups and see what cars fall under them.
    stay away from sports models of cars such as Fiesta ST as they will be pricey

    Stay away from sports cars....big engine sizes. Go for 1 litre or 1.2 if you can. Can you part on a drive. Certain cars are in high insurance groups even if they are not sporty. try ford focus, yaris, basic fiesta, citreon c1, micra.....hope that help.....oh and congratulations.

    You will have to bite the bullet for the first year or two (until you age a bit and get a bit of NCB) .Just get a boring small engine one to start with and drive safely - its part of the coming of age thing we all have to go through (in my case many years ago ) . Out of touch with what is low insurance group these days but I'm sure other members will advise .

    Good luck. My insurance quote for a 1L corsa was £4500 no points or anything. However I bought an Astra 1.6L and it was £2500 for insurance. Joke tbh

    It's less to do with which cars are safe or risky, it's which cars risky drivers are most likely to buy.

    Unfortunately that does change because the very high premiums put people off formerly popular models so you really have to shop around and don't assume anything will be cheap or expensive.

    ndam11

    Stay away from sports cars....big engine sizes. Go for 1 litre or 1.2 if … Stay away from sports cars....big engine sizes. Go for 1 litre or 1.2 if you can. Can you part on a drive. Certain cars are in high insurance groups even if they are not sporty. try ford focus, yaris, basic fiesta, citreon c1, micra.....hope that help.....oh and congratulations.



    You should never assume that. It's bad generalisation advice.
    It's not widely known that small family cars (like astras) can be cheaper than superminis like Corsas. Reason being is insurance companies see them as safer, family cars. My first car was a Peugeot 306, and it was cheaper to insure than a 106.
    Also, don't go off engine size to assume insurance cost. My wife's first car was a 1.9 diesel 206, but it was only 70bhp so was cheap to insure. People get put off because they think it is a big engine so must be expensive to insure.

    when I bought Punto 1.2 two years ago Alfa GTV 2.0 was like half price cheaper to insure, so I can't see any rule about it.

    My sons best price was from quote me happy it was online also Tesco direct was quite good

    The car itself is not going to be a huge factor for a new driver, a factor none the less but not a big as being made out. Cars will vary e.g. a nice Golf with collision detection will be cheaper etc etc, not necessarily the engine.

    Postcode and Mileage are the big factors. Another minor thing is where its parked parking on the street may be cheaper.

    What Im hearing from new drivers today is the GPS telemetry box being fitted as per the first post, seems to be the way to go.

    Also Don't forget about TAX and MOT of the car.

    An option to consider might be something like the Citroen Simply drive one they are pushing if you can afford the option.

    info.citroen.co.uk/off…er/

    A quick look on a C1 seems to be ~ £150 per month over 3 years with a £1500 deposit. Including three years insurance, all routine servicing paid for, breakdown cover, the manufacturers warranty if something should go wrong and road tax. So all you need to pay for is going to be fuel (which it will use less of being a modern more efficient vehicle) and consumable parts like wipers and tyres. Tyres on a small low powered car with careful driving will easily last the timeframe before having to hand the car back. I've managed to get 4 years out of a set of tyres doing 42000 miles in that timeframe and they still be road legal (albeit getting close to needing replacement).

    Considering an older car in the same period is likely to come back with at least minor issues at MOT time each year to me that sort of option as a new driver might be a no brainer (my first car many years ago cost me £600 to get it roadworthy on it's 2nd MOT a cost I really struggled to cover considering the car wasn't even worth that much money).

    Also add another driver to the policy (like your mum or dad) as that can knock some money off

    Astec123

    An option to consider might be something like the Citroen Simply drive … An option to consider might be something like the Citroen Simply drive one they are pushing if you can afford the option. https://info.citroen.co.uk/offers/simply-drive-offer/A quick look on a C1 seems to be ~ £150 per month over 3 years with a £1500 deposit. Including three years insurance, all routine servicing paid for, breakdown cover, the manufacturers warranty if something should go wrong and road tax. So all you need to pay for is going to be fuel (which it will use less of being a modern more efficient vehicle) and consumable parts like wipers and tyres. Tyres on a small low powered car with careful driving will easily last the timeframe before having to hand the car back. I've managed to get 4 years out of a set of tyres doing 42000 miles in that timeframe and they still be road legal (albeit getting close to needing replacement). Considering an older car in the same period is likely to come back with at least minor issues at MOT time each year to me that sort of option as a new driver might be a no brainer (my first car many years ago cost me £600 to get it roadworthy on it's 2nd MOT a cost I really struggled to cover considering the car wasn't even worth that much money).


    Except you have to be over 21 and have 2 years NCD....

    deanos

    Also add another driver to the policy (like your mum or dad) as that can … Also add another driver to the policy (like your mum or dad) as that can knock some money off



    ​this works really well, just make sure their accident and points record is clean and they have had their license a long time.

    on the quote it will ask you if you had access to another car, putting yes should lower the cost also, this is something they can't prove.

    just a heads up, if you are using price comparison websites make sure you're using consistent information. if you change things on every quote e.g occupation or where the car is kept then when they do the validation check they may well being this up

    barrel24

    Good luck. My insurance quote for a 1L corsa was £4500 no points or … Good luck. My insurance quote for a 1L corsa was £4500 no points or anything. However I bought an Astra 1.6L and it was £2500 for insurance. Joke tbh


    that'll be down to your post code

    Original Poster

    I wish there was logic behind some of these quotes, it's cheaper to insure myself on a Hyundai Coupe 1.6 than it is on a little C2 1.1

    Original Poster

    Thanks for the advice everyone

    matthewsafc

    I wish there was logic behind some of these quotes, it's cheaper to … I wish there was logic behind some of these quotes, it's cheaper to insure myself on a Hyundai Coupe 1.6 than it is on a little C2 1.1



    can be down on how much it is to repair if you damage it, Hyundai parts possible cheaper and easier to repair than a Citroen

    walrus4

    Except you have to be over 21 and have 2 years NCD....



    No its 18 plus with a black box installed, 21 is the cut off for not being required to be watched.
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