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Hey. Just brought a car, heres the details
Peugeot 206 GLX
1.4 Engine
5 Doors
W Reg
Sporty Red (id say the same colour as a Ferrari)
Electric Windows
Remote Central Locking
Alarm
CD player (6 cd changer)
for £3k
Im 18 years old, 19 in April and currently on a provisional license.
Whats the best (cheapest) car insurer?
shop around is the best advice i can give!!
With my first car, i found that the cheapest insurance was Tesco, and in my second year it was Norwich Union....
there is a site where you can compare insurers but i can't remember what it is at the moment...
I found these to be very good recently Motorquote (https://www.motorquotedirect.co.uk)
ian@huth
02-03-2005, 23:54
At your age I would shop around and get quotes from everyone. When it is coming up for renewal next year shop around again and do this every year until you're at least 26. It's amazing what difference a year makes. What's cheapest for you this year may be a couple of hundred pounds dearer than another company next year for someone with your age and experience..
carlingman
03-03-2005, 00:06
As you are on a provisonal licence and only 18 is getting the parents to insure this for you not an option.
Ok you wont build any no claims but you can think about that when over 21 and passed your test.
I can always recommend Tesco because they quoted me half what everyone else was when I passed my test a few yeasr back.
Other than them, try www.confused.com who can compare various quotes for you :tu:
I'd agree with trying Tesco, but you could also try
http://www.moneyextra.com/insurance/motor/ for a comparison service, or
http://www.endsleigh.co.uk/ - they used to do student insurance or
http://www.admiral.co.uk/ - my current insurer.
Have you budgeted for insurance? Even third party could be 10% of the cost at your age!
bob_builder
03-03-2005, 13:48
As others have said, there is no such thing as a cheap car insurance company for everybody. However, there will be one cheap company for a specific person and specific car.
As Nugget said, confused.com (http://www.confused.com/) is a good place to start but bear in mind it does not compare prices for the Direct Line group:
Direct Line (http://www.directline.com/dl/directline.jsp)
Privilege (http://www.privilege.com/)
Churchill (http://www.churchill.com/)
Tesco (http://www.tescofinance.com/)
which often turn out to be the cheapest.
orangebird
03-03-2005, 13:55
I've got to say, at your age, I'd never have bought a car without checking the insurance first... It'll probably be half of the cost of the car... :erm:
And priviledge is no good unless you have a certain amount of no claims...
handyman
03-03-2005, 14:08
Hey. Just brought a car, heres the details
Peugeot 206 GLX
books retail at £4525 which makes me think its iffy.
Check hpi make sure theres no finance outstanding on it asap.
Insurance should be over a grand on that car based on your age.
mark
:tu: to Handyman and OB's comments ... I would estimate your first year insurance bill to be well over a grand. :erm:
Your best bet for insurance at your age and experience level is to go to a broker. Try the one in your local high street, or a national brand like the AA. Then start being very nice indeed to your parents.
etccarmageddon
03-03-2005, 16:36
steer clear of elephant - their customer service is very very very appalling.
examples - proof of no claims bonus asked for - didnt turn up - chased by email - didnt turn up - chased again - didnt turn up. emails dont get answered. people email you and when you email them back they're always no longer with the company.
then when you eventually leave them the cheeky gits send you a questionaire asking why you decided to leave. :banghead:
books retail at £4525 which makes me think its iffy.
Check hpi make sure theres no finance outstanding on it asap.
Insurance should be over a grand on that car based on your age.
mark
I think he's looking at about 1800 TPFT :erm:
Do Pass Plus and go with Norwich Union, give them a ring now and ask em for a projected quote, and say your 18 with pass plus - your looking at 50% off. Probably get a quote for about 900 squid.
bob_builder
03-03-2005, 17:18
I think he's looking at about 1800 TPFT :erm:
Do Pass Plus and go with Norwich Union, give them a ring now and ask em for a projected quote, and say your 18 with pass plus - your looking at 50% off. Probably get a quote for about 900 squid.
Or don't go with Norwich Union and save youself £800 anyway!
They have not yet been able to "quote me happy" or anywhere near it!
They're only really good for young drivers with PP, imo.
Mr_love_monkey
03-03-2005, 18:43
If you do go down the route of getting your prices from all the internet sites, when you narrow it down to the last few, be sure to call the companies as well - if you tell them what the lowest is you've got else where they may be able to offer you a better deal - admiral did with me.
iain_herts
03-03-2005, 18:53
hi i was 19 wen i got my car insured with norwich union cost £1600 for a rover 414 1.4l 1990 g reg then did pass plus which took it down to £900 both tpft .i found that tesco was cheaper but with a £600 premuim for me as a young driver so worked out more in the long run.i know have a corsa comfort 1.0 and fully comp is only £650 with a £250 preuim with norwich union still.
allieyoung666
03-03-2005, 18:58
AA was pretty good with us and then daft arse went to norwich union never again!!!!!
Don't forget your local insurance broker, they did the best deal for me, and if you have a problem you can visit them to sort it out!
allieyoung666
03-03-2005, 19:45
I have never thought of that, but there arent any where we live
Well I found the cheapest way was to get my mum to insure then include my on it. Works out a lot cheaper. However any accidents would probably effect her no claims and what not.
allieyoung666
03-03-2005, 20:37
:angel: :angel: :angel: :angel: :angel: I know I am on Pauls insurance as I cannot drive for toffee and my insurance was going through the roof, so Paul told me that I could go on his, so far so good I have not bashed anything
Mr_love_monkey
04-03-2005, 09:18
Well I found the cheapest way was to get my mum to insure then include my on it. Works out a lot cheaper. However any accidents would probably effect her no claims and what not.
The problem with that is that you never build up any no claims - which could work out expensive when you are no longer on your mums insurance?
orangebird
04-03-2005, 10:02
The problem with that is that you never build up any no claims - which could work out expensive when you are no longer on your mums insurance?
Some companies like Swinton take into account no claims when you've been a named river on someone elses policy, or on company car insurance etc :tu:
th'engineer
04-03-2005, 10:26
Some companies like Swinton take into account no claims when you've been a named river
So that must make you sexy river :romance:
bob_builder
04-03-2005, 10:34
The problem with that is that you never build up any no claims - which could work out expensive when you are no longer on your mums insurance?
But if you wait until you are older than 25 your insurance drops massively without any NCB.
orangebird
04-03-2005, 10:41
So that must make you sexy river :romance:
:LOL: :blush:
pop80_uk
04-03-2005, 12:35
1.4 - 18 year old new driver, the cheapest would be about £1500 TPFT.
Sorry.
TigaSefi
04-03-2005, 14:46
hmmm MORE TH>N offers me £505 for my insurance this year and that over £250 cheaper than the rest ? but what have ppl made of them ? any opinions ?
bob_builder
04-03-2005, 18:14
hmmm MORE TH>N offers me £505 for my insurance this year and that over £250 cheaper than the rest ? but what have ppl made of them ? any opinions ?
Whenever I have got a quote from them it was considerably more than Direct Line! ;)
handyman
05-03-2005, 21:24
hmmm MORE TH>N offers me £505 for my insurance this year and that over £250 cheaper than the rest ? but what have ppl made of them ? any opinions ?
c's with them, saved about £250 from what her broker quoted.
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