Insurance

Coma · Post by **Coma** » Tue Jul 21, 2009 2:48 pm

I've been srearching around online and insurance for relatively new drivers is a joke.
I've been driving for 18months now and got a years no claims,
though insurance on a 1.4 16v is still around 1200 a year, or 110 a month with a 400quid deposit.

And i thought things would get better, last year insured my 1L polo for 1098 (it only cos me 950). Again a rip off.

Anyone experienced similar or am i one of the youngest on here haha :$
Similar stories or help would make me feel better haha.

randomage · Post by **randomage** » Tue Jul 21, 2009 3:40 pm

Sounds all too familiar mate, i passed my test when i was 18, first car was a 1.0 and that was 1250 to insure, 750 renewal though. Just bought a 1.6 as the old one got written off by a bint in a people carrier, and that's 830 for the year with a years no claims and the fact i'm 20! I've been told it gets better....apparently...

Coma · Post by **Coma** » Tue Jul 21, 2009 4:50 pm

randomage wrote:Sounds all too familiar mate, i passed my test when i was 18, first car was a 1.0 and that was 1250 to insure, 750 renewal though. Just bought a 1.6 as the old one got written off by a bint in a people carrier, and that's 830 for the year with a years no claims and the fact i'm 20! I've been told it gets better....apparently...

I wish i'd kept mine, sold her when i went to uni. Now going into my second year i want another.
I guess ive just gotta assume the position and pay up.
Anyone recommend a firm?

Torq-Al · Post by **Torq-Al** » Tue Jul 21, 2009 4:53 pm

Best to try the insurance search engines like 'compare the market', 'money supermarket', 'confused' etc. Plus try Elephant too.

randomage · Post by **randomage** » Tue Jul 21, 2009 5:24 pm

I'm with endsleigh, cheapest I've found anywhere. Decent people too, dealt with the incident quickly when i reported it.

Coma · Post by **Coma** » Tue Jul 21, 2009 6:05 pm

Haha thanks, i tried the search engines but found i could get it cheaper else where already. For some reason they dont give the very cheapest options

Oh yeah i heard endsleigh or w/e were good with new/ish drivers
tesco did me well last year but ill have a look around.

Still waiting my next pay cheque so i can buy a new polo haha
Im jelous of you all i miss having my own car, driving my mums astra atm its depressing.
Thanks ^_^

randomage · Post by **randomage** » Wed Jul 22, 2009 12:29 am

Astra = FAIL. By the way coma, whereabouts in plymouth are you? I'm local to there, got a 1.0 polo i'm planning on breaking if you need any parts.

Coma · Post by **Coma** » Wed Jul 22, 2009 10:47 am

I know :<. Its a 1.8 16v W plate though. So its quick enough.

Plymstock mate, Only hear for another couple weeks before i move back to bristol.
I havent bought a new polo yet, so ill pass thanks, I've just had shoulder surgery so im carless
Thanks anyways

Tim_GTi · Post by **Tim_GTi** » Thu Jul 23, 2009 5:12 pm

Comparison websites suck. If your browsing then fair enough, but for serious quotes never use them.

for cheaper insurance on young drivers do some research and find companies that tailor towards you, also considering the fact that you may want to modify.

Companies to consider: Bell, Adrian Flux, HIC, Elephant and Brentacre.

Coma · Post by **Coma** » Thu Jul 23, 2009 10:19 pm

Thanks .
Yeah bell and elephant gave me good quotes though if i wanted to pay monthly it suddenly went up by 750pounds.
I'll have to try the othersss

NOZ · Post by **NOZ** » Sat Jul 25, 2009 11:56 am

In comparison your car insurance is cheap compared to mine from the age of 22 lol. I've paid upto £1700 on 16v's first year just after an accident in a CL at £700. Therefore I had two policies for 3 months

As Tim said, comparison websites are just a waste of time. Do your research and see who insures yound drivers and students, if there's any prerequisits etc.

HIC and Brentacre have certain requirements so I think the insurers you've been looking at are good. Believe you have to be 25years of age for these two insurers.

Lowrider6n · Post by **Lowrider6n** » Mon Aug 17, 2009 6:50 pm

the best insurer is adrian flux.....believe it or not...without mods declared quote at 1600...declaring: sound system, lowered 50mm, window tints, alloys etc... it went down to 900 its awesome! check it out!!!

NOZ · Post by **NOZ** » Tue Aug 18, 2009 1:42 pm

^^ Did you ask them how that figure worked out?

Excess higher?

Think I should get a 20vt convo just to lower my insurance lol.

Lowrider6n · Post by **Lowrider6n** » Tue Aug 18, 2009 10:09 pm

yeah i phoned them up and was like...is this right!?! they said yeah...basically they believe if you spend money on your car...like coilovers and a stainless exhaust ain cheap that you want to look after your car and not rag it like some boy racer... apparently the people that do up there car are more likely not to have a crash because most things are uprated or modified e.g better brakes.. better cornering etc... its amazing jus get on their website and check it out, it takes like a day for your quote to come back but they email you with a price!! well recommended!!!

Tim_GTi · Post by **Tim_GTi** » Tue Aug 18, 2009 10:18 pm

Lowrider6n wrote:yeah i phoned them up and was like...is this right!?! they said yeah...basically they believe if you spend money on your car...like coilovers and a stainless exhaust ain cheap that you want to look after your car and not rag it like some boy racer... apparently the people that do up there car are more likely not to have a crash because most things are uprated or modified e.g better brakes.. better cornering etc... its amazing jus get on their website and check it out, it takes like a day for your quote to come back but they email you with a price!! well recommended!!!

Haha, you hear something new everyday!

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