Car Insurance

[Skint Gull]

Endsleigh & Tesco are the best for young drivers at the mo. also hastings are churchill arnt too bad.

Monkster is right about the occupation too. A chef is rated higher because generally they work in licensed premises, work long hours etc

I used to be a branch manager for Endsleigh and if they give a decent quote to a male with less than 2 years driving experience i would say it may have been 'TWEAKED'! They are good when you get a bit older but deffo crap for male teenagers!

 

[Drumstick]

Endsleigh & Tesco are the best for young drivers at the mo. also hastings are churchill arnt too bad.

Monkster is right about the occupation too. A chef is rated higher because generally they work in licensed premises, work long hours etc

Cant remember exactly but tesco were just over 2000 Might try that no I got from arthur tho

 

[Da Man Clay]

I had to pay 1600 for my first car when I was 18 (1.4 ford escort)

 

[Cheshire Cat]

I suspect this won't be any better but you never know

http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

 

[Seagull over NZ]

Have you tried adding your Dad as a named driver? For some reason it sometimes reduces your quote even if you are still the lead driver. Don't understand the logic but my mate swears by it.

 

[Badger]

Have you tried Elephant? I used them when I was 20 driving a Saxo 1.1i, I found it was cheaper when I added my parents as named drivers. I think it was about £700 3 years ago.

 

[Billy the Fish]

Don't bother. On the off chance you get caught you'll only get 6 points and a few hundred quid fine, if you drive sensibly you'll be ok.

*disclaimer - I've never done that as I've never owned my own car

 

[MattBackHome]

Ring an insurance broker - they'll get you the best deal. Confused etc are a total con.

 

[dougdeep]

Ring an insurance broker - they'll get you the best deal.

That's what I said.

 

[Cheshire Cat]

Don't bother. On the off chance you get caught you'll only get 6 points and a few hundred quid fine, if you drive sensibly you'll be ok.

*disclaimer - I've never done that as I've never owned my own car

That has to be the most stupid post of the day

http://www.trafficlawyer4u.co.uk/drivingWithoutinsurance.htm

http://www.abi.org.uk/Display/File/364/ABI_A4v6.pdf

Why Motor Insurance is Compulsory
Many people assume that the main point of motor insurance is to protect the value of their investment in their vehicle if they have an accident. In fact, motor insurance is compulsory because of the harm that drivers can do to others.
The law requires all motorists to be insured so that they can meet their legal liabilities if they injure another person or damage another person's property.

The cost of accidents involving uninsured drivers adds up to an extra £30 each year to the insurance premiums of honest and responsible motorists. And for the victims of uninsured drivers, there is added worry and stress as well as delay in receiving their compensation.

 

[zefarelly]

Tried here?

http://www.4youngdrivers.co.uk/

 

[Clothes Peg]

I went on a company fleet policy for my first 2 years, so by the time I got to 20, my premium was £560. You don't get a no claims bonus though, and I was limited to a 1400cc. Soooo, ask the company you work for if you can go on their fleet. But bear in mind, if you end up making a claim, the whole company's premium will probably go up and they'll lose their no claims.

Alternatively, go uninsured...

To put it into perspective, I'm now 20, and my insurance for a 1.4 RT 98reg Clio is now half the price I was quoted when I was 18. I found Endsleigh to be the cheapest, but as you're not a student, you won't get NUS discount.

 

[Curious Orange]

Have you tried adding your Dad as a named driver? For some reason it sometimes reduces your quote even if you are still the lead driver. Don't understand the logic but my mate swears by it.

I used to have my Mum as a named driver on my insurance and never paid over a grand - mind you I didn't own a car until I was 23...

 

[Leekbrookgull]

Have you tried. NFU ?

 

[Nemesis]

Kwik Fit-then when the quote is enough to drop you to your knees with shock you tell them it's too much and ask them for their service where they start calling around (sorry-can't remember its name). I managed to reduce my insurance by over 50 %. It might mean that you spend an hour on the phone (at their cost) but I found it worth the time. Not sure if it will work for somebody your age though but worth a shot as they do all the work for you.

 

[Jimbo26]

Just after passing my driving test when I was 18, I asked for a quote on an Fiesta XR2 (This was back in 1990). They refused to offer me any sort of quotation !!. Gutted !!!

 

[beorhthelm]

blimey, thats alot. its partly your age, but i supsect there is more. a bit over 10years ago my first car insurance cost me about £500 tpft. im thinking that claim is having a big effect, but also wonder if your post code is doing you no favours.

best advice, ditch the ford and get a beetle or MK1 golf (or even mkII now?), phone around the classic car insurers, they should do you a much better deal.

 

[Lady Whistledown]

Don't bother. On the off chance you get caught you'll only get 6 points and a few hundred quid fine, if you drive sensibly you'll be ok.

*disclaimer - I've never done that as I've never owned my own car

Wrong- ever heard of automatic number plate recognition?

1) Six points, which is enough to lose you your licence if you've passed your test within the previous two years.

2) Several hundred pounds fine (£200 on the spot or potentially more in court), which will have the courts chasing you if you don't pay.

3) Your car will be taken off you and towed away, thereby costing you a hefty initial recovery fee, plus interest for every day you don't collect it

4) You'll still have to get insurance anyway, as they're likely to put your vehicle on the automatic number plate recognition database which will flag you up as a probable insurance dodger every time you go past one of the static or fixed cameras.

5) If you hit someone with your car and seriously injure them, they'll severely lose out because of your lack of insurance.

6) If someone nicks or wrecks the old heap, you won't get a penny

 

[Bry Nylon]

The massive premiums simply reflect the massive risk insurance companies take when insuring young male drivers. 33% of young male drivers will write off a car in their first year of driving, whilst 25% of all convictions for causing death by dangerous driving are for drivers under 20 (even though this age group represents just 3pc of all drivers).

I think the premiums quoted are pretty much in-line with the risk.

 

[Da Man Clay]

Wrong- ever heard of automatic number plate recognition?

1) Six points, which is enough to lose you your licence if you've passed your test within the previous two years.

2) Several hundred pounds fine (£200 on the spot or potentially more in court), which will have the courts chasing you if you don't pay.

3) Your car will be taken off you and towed away, thereby costing you a hefty initial recovery fee, plus interest for every day you don't collect it

4) You'll still have to get insurance anyway, as they're likely to put your vehicle on the automatic number plate recognition database which will flag you up as a probable insurance dodger every time you go past one of the static or fixed cameras.

5) If you hit someone with your car and seriously injure them, they'll severely lose out because of your lack of insurance.

6) If someone nicks or wrecks the old heap, you won't get a penny

Given the amount of uninsured/un taxed vehicles I doubt many would be stopped if caught on a fixed ANPR camera.