I wish it was wrong fella . It's a 1.2 fiat punto 16v sporting T-reg (1999)......I'm under 25, passed me test a month ago, no motor convictions or accidents.....and the cheapest i've got it down too is £2,155 fully comp. I've used two comparsion sites (Confused.com & Comparethemarket.com), phoned a company called Flint insurance and another called collonade. There's a few more im going to try but it's looking around that figure. I knew it was going to be expensive....but fook me!!!
Cheers Joe, will try them. Also been told about a company called '4 young drivers'? May aswell try them aswell.
"Sporting" in the type of vehicle doesn't help much either Hmm...let's see...what usually happens when a young lad, with little experience, and no proof of being able to drive 'sensibly', gets behind the wheel of a car called (albeit laughably) "Sporting"... 1) Will he use it to potter about, gently & carefully down to the college/shops/cinema? Or 2) will he immediately think he's Michael Schumacher, turn the stereo up to max, wind down the windows and screech around trying to impress the laydeeez? (And have several accidents before he cottons on to the fact that he isn't actually a very good driver at all) Shame about the stereotype, but option 2) is common enough to push up the prices of Insurance...( until you've proved otherwise)
Looking at a different car that i saw in a garage today. 1.2 fiesta 16v zetec W-reg(2000) 3dr - £1725 will Quinn Direct, now thats more like it . Decent little car for my first one aswell !
My insurance is up for renewal in 2 weeks. Swinton have been lovely and quoted me £385.00 for the next year Christ you get another years no claims and it goes up £100.00! Used Moneysupermarket.com and got it for £248.00 with Hastings. Anyone had any dealings with them and are they ok?
Just got quoted on the same car but at my brothers address. £1200! Probably illegal but it's the only way I'm going to be able to afford insurance.
Try Tesco insurance. I recently helped my 18 year old little sister with her insurance quotes and Tesco easily came out the cheapest. That was after trying three comparison sites and numerous companies directly through their own websites. Direct Line are also very good and at the moment are doing a 52 days free insurance promotion. They were easily the cheapest when I did my renewal but I am 25 with 5 years no claims so maybe they won't be so competitive for young drivers. Generally I find comparison sites to be pretty shit. When I did my sister's quotes the Tesco quotes on there were far more expensive than the quote we got directly from Tesco's website. Use them to get a general 'ball park' figure then do quotes on the cheapest companies individual websites. Plus Direct Line, Aviva amongst others aren't included. Also if you add your mum or dad as a named driver that can knock a load off the price too. Good luck!
I have to agree im 20 and the Tesco quote is by far the best on my new car, £70 a month the second cheapest I have found is over £100. Also get breakdown cover thrown in with Tesco's.
Buy a new car. If you get 1 years free insurance with it you can get a 1 year NCB but the depreciation on the vehicle will be less than you'd pay insuring an old banger for a year at 17. You also get a car that works well and you don't need to pay to service or MOT it. The next year you'll have a 30% NCB and can afford to go back to a banger.
Mine's due in a couple of months and will be about £600 Was looking at getting a new car in the year but doesn't look like I can afford it. Ahhh another year with the box on wheels
I work in Motor Claims, so just a heads up on some of the things I've seen on this thread. Firstly, do not lie on your proposal. (ie, saying your parking in a garage then leaving it on a street). If a company can throw your claim out for breach of conditions. They will. No if's or but's. Insurance Fraud is under massive watch at the moment so money has to be saved somewhere. Screaming and shouting on the phone will get you nowhere if you get found out. A premium is based on a number of factors. Postcode, Vehicle age, age of proposer (this is usually the youngest driver on the policy, regardless if they're main driver or not), where the vehicle is kept, security on the vehicle, make and model (due to desirability to potential thieves), engine size, driving history (claims and convictions) and the current market. Do not be tricked into believing that the value you put for your vehicle brings down your premium, or that you will get what you value it at. You are covered for the market value of the car based on the market at the time of the incident. (Unless you have an agreed value policy). No Claims bonus is precisely that. If you have protected NCD and had a fault accident, whilst your bonus won't be affected your premium still may. You must advise potential insurers of the fault accident. The bonus is the percentage that you have deducted from the gross premium. Don't be scared to shop around at every renewal. Insurers tend to believe that once they've got you, then you are their customer for life, meaning the renewal is more than you'll get elsewhere. That doesn't mean you can't haggle with them after shopping around. Nothing stops you changing annually (I do). Read the small print. Know the limits on your policy (for example radio and personal effects cover). Check the compulsory and voluntary excesses. Keep a check on the policy exclusions. Don't be scared to ask the operators. Finally, and most importantly, don't take out insurance on the belief that you won't have an accident. Use reputable companies with a great claims handling history. You don't want to be forced into a claim and then find its being dealt with by a bunch of trained monkeys. Hope this helps.
