why is car insurance so confusing?!?!?!?!

looking at cars and insurance as hopefully i will be getting my first car very soon. i was hoping to pay monthly but looks like i will be paying far more a year if i do it this way grrrrr. also theres far too many options that i dont fully understand ie protected no claims, legal cover etc. would it not be easier just to phone the company when it comes to it and then the person on the other end can advise me on it all?

23 Comments

dont go for protected no claims or legal cover

if you phone you wont get the best price

Original Poster

cribert;7662059

dont go for protected no claims or legal coverif you phone you wont get … dont go for protected no claims or legal coverif you phone you wont get the best price



what if i do an online quote, then phone and quote claim referance to double check its all correct?

Personally i don't bother with legal cover but do protect my no claims.

And always worth doing on the web rather than phoning up and you could use quidco as well if there are any cashbak deals going.

quick question, do you have any years no claims discount?

Original Poster

smithyp1;7662083

Personally i don't bother with legal cover but do protect my no … Personally i don't bother with legal cover but do protect my no claims.And always worth doing on the web rather than phoning up and you could use quidco as well if there are any cashbak deals going.



i was looking at going with elephant and dont think they are on quidco :x i went on confused and found a good price but when it said about monthly payments it bumped the price up by another £700 :x

Original Poster

andrewnclark;7662093

quick question, do you have any years no claims discount?



no. i have my driving test in 2 weeks and just looking to get an idea how skint im going to be after (if i pass of course)

everyone else has insurance so why bother lol wut?

You wont have a claim reference unless you've made a claim (splitting hairs there).
Like the previous poster said,visit an insurance broker for advice,they'll probably explain all terms you are unsure of and point you at their best deal for you.(make sure you get a starter discount.)::thumbsup:
Do not sign anything,but go home and see if you can better the deal on a comparison website.
Happy motoring!:-D

Original Poster

PhilthyPhil;7662147

You wont have a claim reference unless you've made a claim (splitting … You wont have a claim reference unless you've made a claim (splitting hairs there).Like the previous poster said,visit an insurance broker for advice,they'll probably explain all terms you are unsure of and point you at their best deal for you.(make sure you get a starter discount.)::thumbsup:Do not sign anything,but go home and see if you can better the deal on a comparison website.Happy motoring!:-D



sorry meant quote reference :thumbsup:

might just get my brother to come up and look with me when the time comes, saves my brain from thinking too hard

I used to work for an insurance company, basically if you do not have any no claims discount, are a new driver and are under 25 your first year will be horrendously expensive.

If you buy an older car then you may be better getting "third party, fire and theft" cover - which covers any damage you do to any other cars if you crash but not damage to your car, it also covers your car if it goes on fire or is stolen.

If you buy a newer car then definitely go for "fully comprehensive" this covers damage to your car as well as damage to others, and also fire theft etc.

One of the best ways to get insurance is buy a small car with a years free insurance included, but this usually means buying a brand new car which can be expensive.

If you want any more info pm me...

btw how was ur date?:)

Original Poster

bratzz;7667014

btw how was ur date?:)



nice and chilled out, how i wanted. went and watched a film then back to his. hes in egypt now though so wont get to see him till next weekend

Have you already got a car - what age is it, and what type is it?

My first car was a C reg Fiesta worth £600. The obvious thing to do in the first year was get Third Party Fire & Theft only...that won't pay out to the other person if you have an accident that you caused, but that's a great incentive to drive uber-carefully. Same for legal advice - you'd have to have caused a pretty messy accident to need legal advice...don't buy it (unless you know there's a lot of uninsured drivers round your way) and take it verrrrrrry easy.....

Original Poster

SirBargainsALot;7672512

Have you already got a car - what age is it, and what type is it?My first … Have you already got a car - what age is it, and what type is it?My first car was a C reg Fiesta worth £600. The obvious thing to do in the first year was get Third Party Fire & Theft only...that won't pay out to the other person if you have an accident that you caused, but that's a great incentive to drive uber-carefully. Same for legal advice - you'd have to have caused a pretty messy accident to need legal advice...don't buy it (unless you know there's a lot of uninsured drivers round your way) and take it verrrrrrry easy.....



im going to be getting a fiesta st so third party isnt an option. so deffo dont get the legal advice? i did take this out of one of my quotes and it went down by £20 per month

SirBargainsALot;7672512

Have you already got a car - what age is it, and what type is it?My first … Have you already got a car - what age is it, and what type is it?My first car was a C reg Fiesta worth £600. The obvious thing to do in the first year was get Third Party Fire & Theft only...that won't pay out to the other person if you have an accident that you caused, but that's a great incentive to drive uber-carefully. Same for legal advice - you'd have to have caused a pretty messy accident to need legal advice...don't buy it (unless you know there's a lot of uninsured drivers round your way) and take it verrrrrrry easy.....



You are only adding to the confusion.:roll:

The " Third Party " is the other driver on the receiving end, and is the only party that will get paid on TPF&T.

Original Poster

Inactive;7672584

You are only adding to the confusion.:roll:The " Third Party " is the … You are only adding to the confusion.:roll:The " Third Party " is the other driver on the receiving end, and is the only party that will get paid on TPF&T.



i already knew that bit so im no more confused than i was :thumbsup:

donna-lou;7672635

i already knew that bit so im no more confused than i was :thumbsup:



That's good... :thumbsup:

( However other readers may well be ).;-);-)

Inactive;7672584

You are only adding to the confusion.:roll:The " Third Party " is the … You are only adding to the confusion.:roll:The " Third Party " is the other driver on the receiving end, and is the only party that will get paid on TPF&T.



Yes, sorry, the was a genuine mistake on my part.

Man, how s*** is it when your insurance is more than your car costs???

donna-lou;7672558

im going to be getting a fiesta st so third party isnt an option. so … im going to be getting a fiesta st so third party isnt an option. so deffo dont get the legal advice? i did take this out of one of my quotes and it went down by £20 per month




I have a Fiesta ST, and although it's your car of choice, it is a bit of a mad car to be getting as your first car - both financially and in terms of practicality. There's a lot of temptation to use the power just because you can - and from that point of view you should get everything you can afford for your insurance.

Do use Confused.com and Moneysupermarket.com to check out the very best quote. If you see any you like, you can (in most instances) ask for the company to call you and talk you through it before you commit to buying.

Is it a nice shiny blue one with the stripes?

They drink petrol like you won't believe...you know that, right?

Fiesta ST seems a little too expesive for a first car; I'd opt for something cheaper - if you can?

As an aside if I wanted to insure a car, it'd cost me £1,000+ a year. Because I'm young, male and subsequently going to crash (apparently). And I don't mean a decent., expensive car for £1000+ a year, we're talking Corsa sized stuff.

My motorbike insurance however, on a bike far quicker than alot of cars (a 750cc Suzuki), is sub £300/year.

Well, the Fiesta ST has good residual value - as long as you don't drive it into the ground, it's a good incentive to trade up after you've had a couple of years fun in it (which is what i intend to do with mine).

Donna-Lou, you must be minted. Sod the fella who's disappeared off to Egypt, date me! Lol...

Original Poster

SirBargainsALot;7680716

Well, the Fiesta ST has good residual value - as long as you don't drive … Well, the Fiesta ST has good residual value - as long as you don't drive it into the ground, it's a good incentive to trade up after you've had a couple of years fun in it (which is what i intend to do with mine).Donna-Lou, you must be minted. Sod the fella who's disappeared off to Egypt, date me! Lol...



haha im far from minted! ive saved 4k to go towards it and will be taking out a loan for the rest. i know its a mad car for my first but i really love them. i know its only a fiesta but theres something about them. im not sure what colour to get. i originally wanted a white one but im slowly coming round to the blue ones. will see whats about when i pass :thumbsup:

and yeah i know about them guzzling fuel. an ex had one and my brother has one at present. at times my ex was only getting 17mpg, mind he was flogging it at the time :w00t:

i will try and be sensible. yeah i might stretch my legs on a fast road but i wont go over the speed limit, its not worth the risk. as for junctions and roundabouts im cautious to start with so wont be nipping out infront of anyone if i dont think its safe. im learning in a fiesta zetec s so its only one step down form the st.
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