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AndrewJ
02-05-2005, 19:46
Hiya all

I am soon to finally get my driving license, I fancy buying my own car to take through this or have outside as for when I pass my test, I will insure it once I am through.

I have been with the instructor in 2003 sadly due to a problem my taking of my driving test was put off for 2years due to illness, now I plan on getting it all done again.

I fancy a Peugeot 1.1 106 Independance, I saw today for 3500. MJ52 AHC was its plate.

However I find even if I run insurance on a full uk license, My quotes are massivly over 1800 quid!! this is just plain stupid.

Is there some magic car you guys buy which has super low insurance, as I do not wish to start my driving time in a shed just to afford insurance?

Some help and advice here please :dozey:

Paul
02-05-2005, 19:57
Who has quoted you that :eek: - have you tried some of the online quotes ?

Talking of quotes, you might want to check the one in your sig ;)

Raistlin
02-05-2005, 20:00
Have a look at http://elephant.co.uk (not sure if they have a website or not ;) ).

Chris W
02-05-2005, 20:02
I found Tesco were cheapest when i first passed- but i was still paying £1100 on a G reg 1.0l metro....

Have you thought about doing pass plus? many insurance companies will give you between 5 and 30% off in your first year if you have.

AndrewJ
02-05-2005, 20:05
I am thinking seriously about doing pass plus I plan on passing with a school called Gemini which uses Rover 45 Si's.

( and whats wrong with my sig ) :D
__________________

Who has quoted you that :eek: - have you tried some of the online quotes ?



I tried.

www.confused.com (http://www.confused.com)

and

www.admiral.co.uk (http://www.admiral.co.uk)

and

www.norwichunion.co.ulk (http://www.norwichunion.co.ulk)

Because I am disabled and the car is on a street ( no driveway till about August ) I think its bumping the costs up big time.

:(

Raistlin
02-05-2005, 20:06
Shouldn't it be "Not Noddy, Nobby"?

Mick
02-05-2005, 20:06
The sad fact of the matter is that this is not surprising at all. I think you will be extremely lucky for someone of your age and only just obtaining a full UK driving license to get a quote from anywhere cheaper than £1000, assuming it is fully comprehensive insurance you are after.

AndrewJ
02-05-2005, 20:09
It is yes and I fancied the 1.1 Pug 106 but looks like I will have to go with something older. Can see me ending up with my mums old Pug 309 GLD.

Dave Stones
02-05-2005, 20:16
try www.adrianflux.co.uk . they are a broker hat specialise in various special areas.... supposedly fairly cheap for young drivers, performance drivers and barry-drivers... :erm:

paulyoung666
02-05-2005, 20:20
dont forget , a lot maybe to do with the area you live in , not that i am saying you live in a bad area or anything :erm: :D :D :D

ScaredWebWarrior
02-05-2005, 20:28
I am thinking seriously about doing pass plus...

I think that's a good idea. For one it covers stuff the normal lessons/test don't cover, and some insurance companies will also give a discount if you've got it.

Because I am disabled...

I hope they wouldn't discriminate.

Anyway, I get my insurance from http://www.cis.co.uk and they've always been very good on price AND (possibly equally important) very good when it came to handling a claim.

bmxbandit
02-05-2005, 20:31
for your first car, it's probably not worth spending £3500, simply because of the insurance. aim to spend a lot less, and then it makes sense to only get 3PF&T as well...

i pay £600 for a car valued at £1000, im 23, no no claims...

andyl
02-05-2005, 20:32
OK, I didn't tell you this but. Buy, now, an old heap - the cheapest you can find that's street legal.Tax it, park it up, leave it, accumulate no claims........

Not sure why disability should bump your premium. Age, experience, claims record, vehicle and postcode are pretty much the key factors. No claims makes a sig difference.

ScaredWebWarrior
02-05-2005, 20:37
OK, I didn't tell you this but. Buy, now, an old heap - the cheapest you can find that's street legal.Tax it, park it up, leave it, accumulate no claims........

Avoid the cost of road tax - simply declare it SORN and take it off the road :) - even LESS likely to get hit.

Chimaera
02-05-2005, 20:38
If possible put a parent on the policy as a named driver - my daughter put me on hers and the price dropped by about £200 (apparently it lessens their risk or something!)

Chris W
02-05-2005, 20:40
have a sex change....

young female drivers pay substancially less than young male drivers for insurance.

AndrewJ
02-05-2005, 20:44
have a sex change....

young female drivers pay substancially less than young male drivers for insurance.
:Yikes: :dozey:

Thanks for the tips guys, I am going to run some through with Peugeot's 406's and 306's some of the older pugs.

I tend to lie over to the PUG family as we have had them in the family for god knows how many years now. So I would prefer to stick with a maker I know quite a bit about.

It does seem I don't know anything about this insurance lark. Kinda shocked my self there.

punky
02-05-2005, 20:49
There are about 3 insurance companies I have found that are all about the same, and really cheap. They are Admiral, More Than, and Direct Line. I hear Tesco are about that cheap too. I am suprised you have already tried Admiral, but try More Than. Norwich Union are terrible, just like Churchill, they don't want young and first timers.

If you are over 21, you could get a new Vauxhall, they have free insurance atm. Be warned you could face a bit of a hefty renewal though. Norwich Union wanted £2000 for me when my free Micra insurance, ran out, I switched to Admiral to about £1000.

What Chim says is true, it is all run on statistics, so that tends to bring it down. If it doesn't help enough, you can put your parent on as the main driver, with you as a named driver, but you won't accumlate any no claims bonus.

The only other advice I can give you is to buy a copy of Top Gear and Max Power. They have loads of independent insurance companies in the back, they will insure young men at a sensible rate. Worth a shot if you don't mind being on the phone.

Paul
02-05-2005, 20:56
( and whats wrong with my sig ) :DApart from the fact it's in capitals and missing any punctuation ? - it's also wrong, you have Noddy & Nobby mixed up.

Not Noddy, Nobby, Nibble Nobby's nuts, can't any of you people read ? :)

AndrewJ
02-05-2005, 21:10
Hey I had just come back from the pub, be gratefull it was not too explicit :angel: :D .

Cheers for the advice all, what would I do without you :D :D

Going to get a top gear mag, and blow my tv up that crazy frog remix ringtone with the Axel tune in it is on yet AGAIN :mad: .

SO what do all you first timers drive??

I can get a brand new 206 with free insurance??

robtufts
02-05-2005, 21:19
I've just got my new car insured with www.firstalternative.com and got a good deal with them, but before that I was a named driver under my parents and found www.liverpoolvictoria.co.uk . I've only just turned 18 and found that insurance prices hurt.

AndrewJ
02-05-2005, 21:23
What do you drive?

punky
02-05-2005, 21:25
SO what do all you first timers drive??

I can get a brand new 206 with free insurance??

I got started with a new Micra with free insurance.

The Peugeots have come with free insurance in the past, so it is worth checking. Even if it isn't advertised, they can sometimes include it as an incentive to seal the sale. You can only ask. Its not a bad way to go, as if you don't have an accident in the year, they will keep you on at a good rate. I had problems in that I was under 21, and Nissan changed their policy to 21+, so I had no choice but to leave.

bmxbandit
02-05-2005, 21:43
i pay £600 for a car valued at £1000, im 23, no no claims...
'93 vauxhall corsa 1.4i

cheap to run, and nothing major goes wrong (killed the suspension, but that was entirely my fault... apparently weight limits are in fact limits :disturbd: )

AndrewJ
02-05-2005, 21:44
I like the Nissan Micra would love the automatic S version.

Been talking to Gemini on the phone and run through there theory test almost kacked myself got a perfect 35 out of 35 :dozey: , all those nights reading the highway code and on those Theory Test disks paying off :D .

Just want to get mobile so my girlfriend who has Cerbal Palsy in her left side, can see the ocean, and we can take the dogs out and just relax rather then be stuck in boring Rochdale.

Booking in for initial examination on Wednesday so let you all know how I get on :)

I am grateful for all your advice peeps :tu:
__________________

'93 vauxhall corsa 1.4i

cheap to run, and nothing major goes wrong (killed the suspension, but that was entirely my fault... apparently weight limits are in fact limits :disturbd: )

Corsa 1.4i aint they thirsty on the petrol? only thing which stopped me looking at them.?

And what did you load it up with the bust the suspension? :confused:

bmxbandit
02-05-2005, 21:53
Corsa 1.4i aint they thirsty on the petrol? only thing which stopped me looking at them.?
if im careful, can easily get 45 mpg on the motorway. generally get just over 30mpg round town. ts passed down thorugh the family though, so i know it's been regularly seviced etc.
And what did you load it up with the bust the suspension? :confused:
can easily get 6 bikes and 5 people in/on a corsa if you really try ;)
wouldn't advise it though :erm:

Monster Jedi
02-05-2005, 22:10
I know of one person where I live. She got a micra for free due to a heart condition she has. Her old car did not have power steering. To get a car it depends on how disabled you are . Might be worth a try.

Hom3r
02-05-2005, 22:10
Unfortunatly Insurance companys will always scr*w us.

15 years ago when I was 21 I was in volved in a serious car crash that totalled my second hand Mazda 626, that was only 3 weeks old, I was taken to hospital (sevre shock) and could not get any witness statements, the other driver did (girlfriend) and I was blamed. when I got my next car a A-reg 1.1l Escort the cheapest quote I got was £880:Yi kes: .

I know own a 2.0l Shappire, that cost me £360, I looked around other Insureance companies as I'm planning to get another car, out of intrest I went back to my very first insurance company www.theaa.com (http://www.theaa.com) and I got a quote of £200.:D

AndrewJ
02-05-2005, 22:21
1.1 Escort I bet that was flat on a hill with 3 in the back ;)

Going to do some online quotes on cars I have spotted about for reasonable cash, spotted a old shape Rover 400 416Si Auto about for 498quid with 3month warranty.

May be worth a looky

Dave Stones
02-05-2005, 22:41
I know own a 2.0l Shappire, that cost me £360, I looked around other Insureance companies as I'm planning to get another car, out of intrest I went back to my very first insurance company www.theaa.com (http://www.theaa.com) and I got a quote of £200.:D

i would *STRONGLY* suggest you check that link, or tell us if you are hiding something.... its very very very very NSFW/straight men... :erm::disturbd:

Raistlin
02-05-2005, 22:49
i would *STRONGLY* suggest you check that link, or tell us if you are hiding something.... its very very very very NSFW/straight men... :erm::disturbd:

Ummmm..

Somebody needs to edit that post/link quick :D

AndrewJ
02-05-2005, 22:54
i would *STRONGLY* suggest you check that link, or tell us if you are hiding something.... its very very very very NSFW/straight men... :erm::disturbd:


lmao I have just clicked the link and whoops someone dropped one, I am sure thats going to be hard to explain and be a mouthfull to describe.

Lets hope you aint too stiff afterwards to have a gay old day.

< gets his coat.

Hom3r
02-05-2005, 22:55
www.theaa.com (http://www.theaa.com)

Raistlin
02-05-2005, 22:56
:LOL: I think we knew what you meant David, looks like your custom description is more apt than you knew:

Be Afraid, Be Very Afraid

iain_herts
02-05-2005, 22:56
my first car was a rover 414 sli 1.4 G reg 1990 only cost me £200 to buy from some1 at work but insurence was high cost me £1600 tpft by norwich union wen i took the insurence out they told me to also do pass plus with in the 1st year so with in a month completed pass plus and got £650 bk.

i know have a vauxhall corsa 2000 1.0i and last year it cost me £700 fully comp to insure it

AndrewJ
02-05-2005, 22:57
Nice, there is a 1.6 Rover 400 Auto near me which is going for 495, may have a looky at it.

iain_herts
02-05-2005, 22:59
how old r u and i wouldnt get anything over 1.4 mum has a 1.7 deisal astra L reg and to insure that by me was £3000.

my car know the corsa is only a 1.0i cheap to run and cheap to insure as its group 1 and very nippy for a 1.0i 3 cylinder

AndrewJ
02-05-2005, 23:01
I am 21years old.

Hom3r
02-05-2005, 23:01
Don't be put off that Rover has gone t*ts up.

There parts people have plenty of spares going to last.

I'm thinking of getting a Rover ZR V8 model.

What ever my next car is i'm looking at the car first, insurance second.

AndrewJ
02-05-2005, 23:03
I have pondered over a new CityRover, they do a 1.1 engined model and I am sure I could hammer home a rather nice deal while Rover go down the pan, although warranty would be non existant.

I wonder if I still owe say 2400 on the car and Rover vanish never to be seen again.

Do I get it discounted as I have lost my warranty?

iain_herts
02-05-2005, 23:07
befor i got my corsa last year. i saw anouther corsa 1.6 put the deposit down went home to arrange insurce to be change over in a weeks time and told me they could not insure me on it cos of my age so before u do get a car just make sure u can get insurence

AndrewJ
02-05-2005, 23:09
Aye so I have heard a few times people buy a car sign the finance and find out they cannot afford to insure it or cannot get insurance so they have a expensive toy outside they cannot drive. :dozey:

Hom3r
02-05-2005, 23:09
Try and get discount as warrantry might be non existent

iain_herts
02-05-2005, 23:12
luckly for me the ppl were very understanding plus u also get something like 14days to get ur deposit bk

Tezcatlipoca
03-05-2005, 01:45
i would *STRONGLY* suggest you check that link, or tell us if you are hiding something.... its very very very very NSFW/straight men... :erm::disturbd:


I've just corrected the link in the quote too...you left the original one... :Yikes:

Gareth
03-05-2005, 02:14
Dave Stones
i would *STRONGLY* suggest you check that link, or tell us if you are hiding something.... its very very very very NSFW/straight men... :erm: :disturbd: I've just corrected the link in the quote too...you left the original one... :Yikes: Bah, too late yet again. What exactly was it...? aa.com = American Airlines, nah not dodgy. aa.org = alcoholics anonymous, nah not dodgy.

Tezcatlipoca
03-05-2005, 02:18
Bah, too late yet again. What exactly was it...? aa.com = American Airlines, nah not dodgy. aa.org = alcoholics anonymous, nah not dodgy.


No, not too late. Lucky. Lucky you are.


My eyes! :Yikes:

AndrewJ
03-05-2005, 12:33
AHAH well it certinaly brightend the thread up lmao.

:rofl:

What a mouthful of a site.

Dave Stones
03-05-2005, 12:35
Bah, too late yet again. What exactly was it...? aa.com = American Airlines, nah not dodgy. aa.org = alcoholics anonymous, nah not dodgy.

it was theaa.com with a not-so-strategically-placed W.... wonder how many people have typed that in in the past.... :erm: