Car insurance?

[chocky909]

I don't drive personally, but my Dad asked if I could find some cheaper car insurance for him.

Any recommendations?

[Scarlett]

Its all a case of finding the insurance company thats trying to target his specific demographic* group. Try to find one of the websites that offers to check a lot of companies and enter the details, your bound to find one that quite cheap. I used Confused.com (http://www.Confused.com) last time and they seemed quite good.

Avoid Monster.co.uk - never been able to get through the website without it crashing.

Norwich union, well they did kind of quote me happy, I collapsed with laughter when I found out how much they wanted (at least £100 more than any other quote)


Scarlett.

*Sorry it's seems a bit of an excessive word for a Friday evening

[marky]

This place has proved reasonable for some of my friends Link (http://www.bell.co.uk/common/contactus.phtml)

[Chimaera]

www.aquote.co.uk seem to offer some good deals - although I find for the more 'mature' driver (like me!:rolleyes: ) Direct Line and Tesco are the cheapest this time round.

[idi banashapan]

Norwich union, well they did kind of quote me happy, I collapsed with laughter when I found out how much they wanted (at least £100 more than any other quote)


that's odd, because they were almost £400 cheaper than my renewal quote from Admiral and about £200 cheaper than the next best new quote. I found that out by using www.confused.com which I would recommend to anyone. an easy, excellent site.

[chocky909]

thanks guys - ill try confused.co.uk (hate using tv advert companies though - makes me feel like a puppet :rolleyes:) Bell and Tesco (if they're not in the confused search)

I'll let you know what happens...:D

[etccarmageddon]

tesco is good. elephant is ****e for customer service - very very very very awful.

[King Of Fools]

Norwich union, well they did kind of quote me happy, I collapsed with laughter when I found out how much they wanted (at least £100 more than any other quote) That is nothing, they wanted £500 more from me than Direct Line! :Yikes:

[Nikko]

As Scarlett says above its a case of finding the right 'fit' age/record/car group etc.

I found https://www.motorquotedirect.co.uk/default2.asp?referrer=&product=motor&site=MotorQuoteDirect very useful online - saved me £160 on a previously £400 premium

[chocky909]

God thats hard work - so many questions.

confused.co.uk comes out with a lowest quote. £212 - thing is, it says 'local broker' which then takes you to 'budget' insurance, which my dad is already with, subsiduary (I think it's like amazon marketplace). After that it's £245.

My dad's gonna ring budget tomorrow with a printout and see what they will give him for a new quote

Might try Tesco now, esure, Sainsburys etc, will leave elephant well alone. all these 'opted out' of the confused search)?)

[rovert]

If your Dad is over 50 he could try Saga: -

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

[chocky909]

If your Dad is over 50 he could try Saga: -

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

Later this year actually so maybe next year ;)

[LSainsbury]

I tried Confused once....I spent about 25mins filling in all the details then clicked "Send". I waited.....and waited....and waited....and waited....and waited and nothing. Nada. Niet. No confirmation email or anything. Last the last time I'm using them then!

I'm currently with Direct Line (http://www.directline.com)....you can't beat 'em!

[marky]

At the end of the day, you have to shop around.
I got mine from L&V for £344 but tesco wanted £1134 for the same cover, everybody is different, so if they dont want you they quote high :shrug:

[driver_problems]

tesco is good. elephant is ****e for customer service - very very very very awful.

but Elephant, like its namesake, is presumably quick enough to remember the clauses it uses to tell you your claim is void and you can't get paid when the time comes? :mad:

[Hom3r]

http://www.theaa.com/

saved me £150

[King Of Fools]

confused.co.uk comes out with a lowest quote. £212 - thing is, it says 'local broker' which then takes you to 'budget' insurance, which my dad is already with, subsiduary (I think it's like amazon marketplace). After that it's £245.

My dad's gonna ring budget tomorrow with a printout and see what they will give him for a new quote I forgot to suggest Privilege (http://www.privilege.com/) who guarantee to beat your renewal quote if you have at least 4 years no claims discount.

[ian@huth]

I usually shop around each year when my insurance is up for renewal. Over the past few years I have found none to beat Direct Line. I have to laugh at the quotes from the AA which are far costlier than Direct Line despite what they say in their adverts.

I found that when I was in the 20 - 30 year age bracket that quotes used to vary by a hell of a lot particularly in the mid twenties. What was cheapest one year could be twice as dear as its competitors the next. You can at odd times get one that is cheap if you switch to them but not very competitive on renewal so it's best to check round every year.

[bob_a_builder]

How about for young/first time drivers, No.1 son coming up to driving age soon so started looking round.
On Confused, only one company prepared to quote out of 25 listed - £2500 ( ( you'ed have thought I was asking for quote on a Ferrari, but no, only an Astra 1.6, only worth about £800)
he didn't think that was to bad till I pointed out it was every year :D
So how do youngster do it nows, I see loads of them driving round in souped up (well the outside been flashed up) Saxos and 206s) how do they afford all those acessories if paying that sort of number for insurance

I expect there are many ways to reduce that sort of quote, how have you done it (I have company car so no insurance myself, and Mrs Builder only has about 2 years NCD)

[Chimaera]

Put yourself or your missus on his policy as a named driver - that reduces the risk as the insurance companies say, and brings the cost down. Also make sure you work out how many miles he's likely to be driving - my daughter was only doing about 5,000 in her first year after passing her test, which is cheaper than insuring them for 12,000 miles!
Shop around too - my daughter and her mates found Diamond was cheapest for most of them, while the lads found Admiral to be pretty good.
And get him to take the Pass Plus course after he's passed his test too - that can reduce his insurance premium with certain companies. Depending where you live your local authority might contribute to the cost - Transport for London pay towards it if you live in a London Borough, and I think Essex pay towards it too.

[etccarmageddon]

try a quote here:-

http://www.nationwide.co.uk/insurance/car_insurance/quote.htm

---------- Post added at 11:31 ---------- Previous post was at 11:30 ----------

How about for young/first time drivers, No.1 son coming up to driving age soon so started looking round.
On Confused, only one company prepared to quote out of 25 listed - £2500 ( ( you'ed have thought I was asking for quote on a Ferrari, but no, only an Astra 1.6, only worth about £800)
he didn't think that was to bad till I pointed out it was every year :D
So how do youngster do it nows, I see loads of them driving round in souped up (well the outside been flashed up) Saxos and 206s) how do they afford all those acessories if paying that sort of number for insurance...1 in 20 cars on the road aren't insured. perhaps a lot of those young lads dont have insurance?

[king.jimmy]

Give this one a go http://www.moneysupermarket.com/motor/ I find them very useful for comparing all the insurance companies - you can find all the cheap premiums you need on here :idea:

[Jules]

We always go to Confused.com they have saved us loads of money

[Matthew]

I have got mine with Endsleigh (http://www.endsleigh.co.uk/)

[Halcyon]

Hope you dont mind me jumping in for some advice too.
I will be taking my test soon and there will be the possibility of driving my friends car if I pass my driving test.
Would I need my own insurance or is it enough that my friend has insurance. I have no idea if I myself need it as well as I'd not be the main driver, but just use the car occasionally.
Thanks for the info. :)

[Jules]

He would need to put you on his insurance as a "named driver"

And good luck with your test :)

[orangebird]

Hope you dont mind me jumping in for some advice too.
I will be taking my test soon and there will be the possibility of driving my friends car if I pass my driving test.
Would I need my own insurance or is it enough that my friend has insurance. I have no idea if I myself need it as well as I'd not be the main driver, but just use the car occasionally.
Thanks for the info. :)

You'll need to be named on your friends policy. Hope your test goes well. Apparently, a navy jumper was always good luck to wear. :shrug: :tu:

[Halcyon]

Thanks for the info. :tu: Hopefully it doesnt cost too much to be added to an existing insurance policy then as a second driver.
I'l have to give them a call and see.

[liamboyle06]

I found that Elephant gave me the cheapest quote - undercutting everyone by £200 at least. When I went to my Insurer and told them I was leaving they Upped the cover and reduced the price further - a total of £300 less than what they originally quoted me. Now only paying £500 fully comp for me and girlfriend. - http://www.openandirect.com/

[WHISTLED]

Or moneysupermarket but confused is best.. I bought a car that cost twice as much with a bigger engine and have lots of claims and still knocked £300 of my premium.

[Hom3r]

Car insureance in this country is a joke, my quote through the AA is £20 dearer because at the time I didn't have a job, but know I do have a job it will problery go up because of the milage:confused:

A few years back I knew an 18-year old who was spending a few years hear due to family working over here. He was quoted £2,500 THIRD PARTY only for his 6.6 litre T-Bird, back in the US he paid £80 fully comp (or the US equvilant)

[Enuff]

I am in the process of looking for a cheap car... This link (http://www.autotrader.co.uk/CARS/motoring/ins/insurance-centre.jsp) on the Autotrader site (http://www.autotrader.co.uk/) will search quite a few insurance companies with one set of details. I found that I saved £100 just by changing my post code.

[Angua]

Weirdest part is some companies only insure you if you do a particular job, which is why you should let them know if you change profession. IIRC Clerical jobs get you cheaper insurance than working in a bookies (one company only does clerical workers).

As for first time drivers if you can keep the engine size under 1,000 as that seems to be the cheapest for under 25's particularly.