Viking Supporters Co-operative
Viking Chat => Off Topic => Topic started by: dumbroofer on September 19, 2013, 07:54:39 pm
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does any body out there know of any insurance companies that cater for young/new drivers?
cheers in advance.
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I would seriously just try MoneySupermarket.
Although i've been driving quite a while and drive a performance car of sorts (Focus ST), a quick search on there halved my premium for the year this last renewal.
Might be worth a try
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Yeah I'd agree, just try one of the comparison sites, I found my current insurer (Admiral) on comparethemarket years ago and they've been the cheapest for me every since.
You might be in for a shock though, doesn't matter who you go with, it's going to cost a bomb!
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See if you can get one that offers that little black box. It'll make it a bit cheaper at least, if they're a good driver obviously.
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your bang on with shocked, cheapest so far £2.2k and the dearest nearly 22k.
our sponsers one call came in with a 7k.
i think i will give up looking for now
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your bang on with shocked, cheapest so far £2.2k and the dearest nearly 22k.
our sponsers one call came in with a 7k.
i think i will give up looking for now
I reckon you need to downgrade from the Buggatti Veyron if you're looking for a cheaper quote
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your bang on with shocked, cheapest so far £2.2k and the dearest nearly 22k.
our sponsers one call came in with a 7k.
i think i will give up looking for now
ha ha your right filo, i pay around £300 on a 4x4 lexus, the quotes are for my youngest on a 1.2 clio
that was going to be daddy's taxi.
thinking i'd be better off sticking wi micks cabs
I reckon you need to downgrade from the Buggatti Veyron if you're looking for a cheaper quote
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I know it's frowned upon but I went under my dad's insurance from when I was 17 until I was about 24 and it got a bit more reasonable. I had an F reg Ford Escort that cost me £300 when I passed my test and the cheapest quote we got for me was £1400. Think it cost about £250 under my dad's and he had this magic insurance from CIS that meant anyone with his permission could drive the car. Strangely enough I don't think they do that anymore!!
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Try adrianflux insurance on line. They worked out by far the cheapest when my lad took out his first car insurance at age 17. They specialise in young drivers insurance.
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I was with Endsleigh when I was that age, admittedly 8 years ago now. For a young one you'll probably have to go just third party and maybe even have them as a second driver. Though even at my age, my premium reduced by having my Dad listed as second driver (he's never actually driven the car), it's a little bizarre the whole insurance thing IMO.
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Try adrianflux insurance on line. They worked out by far the cheapest when my lad took out his first car insurance at age 17. They specialise in young drivers insurance.
they are the cheapest quote grayx
will spend the rest of today scouring the web and then get her a horse n cart lol
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Seriously, the cheapest car I found to insure for my daughter was a Ford KA, but even that came in at £1200 for her first year, it made it cheaper for me to be a named driver, even though I never actually drove the car
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Try adrianflux insurance on line. They worked out by far the cheapest when my lad took out his first car insurance at age 17. They specialise in young drivers insurance.
they are the cheapest quote grayx
will spend the rest of today scouring the web and then get her a horse n cart lol
Also if you buy an old vw beetle you'll find that your insurance with Adrian Flux will be much cheaper again.
Join the dubbers, you know it makes sense and you can also learn how to fix it yourself as it's a breeze therefore saving even more.
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Seriously, the cheapest car I found to insure for my daughter was a Ford KA, but even that came in at £1200 for her first year, it made it cheaper for me to be a named driver, even though I never actually drove the car
Same here, my daughter put me on her insurance and the price came down, so we put her mum on it too and it came down again, ridicules but true.
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I found a vauxhall corsa to be about the cheapest to insure for young drivers (get a 1.2 engine).
As already posted, it brings premiums down by naming both parents as "named drvers" on the car,even if they dont use it.
Other things to consider;
fully comp quotes can sometimes work out surprsingly lower than "third party fire and theft".
Buying a 5 door car can often work out cheaper than a 3 door (classed as a family car).
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I found a vauxhall corsa to be about the cheapest to insure for young drivers (get a 1.2 engine).
As already posted, it brings premiums down by naming both parents as "named drvers" on the car,even if they dont use it.
Other things to consider;
fully comp quotes can sometimes work out surprsingly lower than "third party fire and theft".
Buying a 5 door car can often work out cheaper than a 3 door (classed as a family car).
Daughters just changed from an 05 Ford KA to a 13 plate Corsa eco flex and the insurance dropped by about £350
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Don't just rely on one of the comparison sites. There can be wide variations between them all. However there is another alternative. If I were young again I'd buy a very cheap car say £100 then I'd drive with no insurance. Worst case I'd get my car confiscated and get a £200 fine and 3 points. With the average cost of insurance £1200 I'd be quids in. I'd be even more quids in if I didn't get caught.
Now I know there will be those amongst you that think what I have said is disgraceful. However I beg to differ. What is disgraceful is the amount insurers want to charge young people. I think their premiums are way too high, so my actions would be justified. If you disagree with me then just stop and think whether you would change your mind if the cheapest quote for a young driver was £10,000. I'll bet most of you would. It's just a matter of at what level of premium would you break the law. For me that cut off is when the punishment is less than the cost of the premium.
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What a ludicrous suggestion.
Premiums are high for young people for a reason.
Oh and its £300 and 6 penalty points - 6 penalty points within the first couple of years of driving = disqualification.
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I'm guessing you're just saying that to be controversial and try and get a reaction IC1967, but it's because of people doing things like that that the premiums are high in the first place.
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No. I'm just being honest. Premiums are high because the insurance companies are greedy. When I was young it was easy to get reasonable insurance. This is not the case now and it is no wonder young people are driving uninsured. The insurance companies have forced them into it. Not sure you're right about your facts Jenny. This article is from just over a month ago and contradicts what you say:
http://www.telegraph.co.uk/motoring/10233864/Why-car-insurance-is-getting-cheaper.html
Anyway whatever the fine £200 or £300 it's still a lot less than the cost of insurance. In fact if you are a serious offender and go to court the average fine is less than the fixed penalty and is based on income so you could just end up paying £1 per week! What a crazy situation. It's easy to blame the youngsters instead of the system.
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This would suggest otherwise:
https://www.gov.uk/vehicle-insurance/driving-without-insurance#
And i'm sorry, no one FORCES people to drive uninsured, it is a choice that drivers and drivers alone make. If they can't afford the premiums then they shouldn't be driving. Driving isn't a necessity.
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Would you still hold the same views if the minimum cost of insurance was £10,000? In some cases it's actually higher.
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All I'm saying is that the system is not fair to young drivers. As the system is not fair then i believe that it's fair to take advantage of the system if possible.
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Given that the average cost of insurance for youngsters is only about a tenth of that, I would say that it is an irrelevant question.
And it isn't 'taking advantage' of a system, its illegal. Big difference.
That is like me saying I don't think the tax system is fair so I am going to 'take advantage' of it and pay nothing.
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The average cost is over £1200 which is ridiculous. In some parts of the country it's much higher (like Doncaster for example). I don't think it's right that youngsters should have to pay so much and that driving should just be for the rich. Youngsters have a tough enough time of it as it is e.g.
Tuition fees
Exorbitant house prices
Picking up the bill for previous government's profligacy
No jobs despite a university education
You try getting a job if you can't drive. makes it much harder.
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Good job you are all not in Ireland. Insurance costs ASTRONOMIC.
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The average cost is over £1200 which is ridiculous. In some parts of the country it's much higher (like Doncaster for example). I don't think it's right that youngsters should have to pay so much and that driving should just be for the rich. Youngsters have a tough enough time of it as it is e.g.
Tuition fees
Exorbitant house prices
Picking up the bill for previous government's profligacy
No jobs despite a university education
You try getting a job if you can't drive. makes it much harder.
My heart truly bleeds for them, it really does.
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I'm doing alright, and I've not got a university education. Maybe that's where they're going wrong!
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My heart truly bleeds for them, it really does.
I think you're making that up. You sound like you are no longer a spring chicken but you have to remember you were once young. Life is much much harder for youngsters today. Car insurance is only one area where my generation on the whole couldn't care less.
Whatever happened to collective responsibility? I'd be quite happy for the insurance companies to spread the risk amongst all drivers so we all pay the same regardless of age. It's no good companies just cherry picking the lowest risk drivers just to increase their profits.
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Good job you are all not in Ireland. Insurance costs ASTRONOMIC.
It's very sad to see what has happened in Ireland. Once again it is the young that are having to bear the brunt of bad decisions made by useless politicians.
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My heart truly bleeds for them, it really does.
I think you're making that up. You sound like you are no longer a spring chicken but you have to remember you were once young. Life is much much harder for youngsters today. Car insurance is only one area where my generation on the whole couldn't care less.
Whatever happened to collective responsibility? I'd be quite happy for the insurance companies to spread the risk amongst all drivers so we all pay the same regardless of age. It's no good companies just cherry picking the lowest risk drivers just to increase their profits.
Oh I'll have you know I am still very much a young spring chicken, albeit it one that probably goes against all your stereotypes and what you believe in from reading your posts today....
Why should risk be shared? Why should sensible drivers be made to pay more because there are careless idiots on the road? Why should people have to pay more because youngsters think they don't have to comply with the law and drive without insurance?
You talk about collective responsibility but everything you said earlier contradicts that.
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Good job you are all not in Ireland. Insurance costs ASTRONOMIC.
It's very sad to see what has happened in Ireland. Once again it is the young that are having to bear the brunt of bad decisions made by useless politicians.
You are Mick and I claim my £5....
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I first got insured when I was 19 on a 1.3 Fiesta. Fully comped worked out cheaper but the cheapest I could find was just over 4k. A £950 deposit and £329 a month for 10 months; as the Mrs kept reminding me: that's a bloody mortgage.
The other issue was the car only cost me £700 but my voluntary excess was £1000 so even if I crashed the car I'd still be paying for the repairs and what not. The higher the excess the cheaper the insurance.
Although the first year was a struggle financially it shot down to a nice £1100 for the second year which was less than £100 a month (with Endsleigh). Recently upgraded to a 2.0 307 and its gone up by £20 a month.
The Mrs passed her test last week and got insured as the second driver on her Mom's 1.6 Automatic Focus for an extra £170 a month. But she was getting quotes as the only named driver for less than £2000.
I'd check all the comparison sites (I find comparethemarket.com the better) and don't forget to look at how much the Co-operative insurance would be with the black box. My only issue is them is a lot insist on a curfew (11PM-6-7AM).
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Oh I'll have you know I am still very much a young spring chicken, albeit it one that probably goes against all your stereotypes and what you believe in from reading your posts today....
Why should risk be shared? Why should sensible drivers be made to pay more because there are careless idiots on the road? Why should people have to pay more because youngsters think they don't have to comply with the law and drive without insurance?
You talk about collective responsibility but everything you said earlier contradicts that.
Read Mr1Croft's post. The poor lad has been badly ripped off. I'd be quite happy to pay a bit more for my insurance to help the youngsters out. It seems ridiculous to me that I only pay £220 on my brand new 2.0 litre sports car when a 19 year old is paying thousands to be insured on a 1.3 Fiesta worth £700.
I just hope you don't live in a house that is at risk of flooding. By your logic you should be paying thousands if that is the case. I much prefer to subsidise people in this position with a small increase on my premium on my low risk property. Together we stand, divided we fall.
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cheers you lot, she is now the proud owner of a 1.2 battered cheap 02 clio,
insured for £1900 by ingenie with a black box(no curfew) but at the age of 17 is cheapish by todays standard.
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Whatever happened to collective responsibility? I'd be quite happy for the NHS to spread the risk amongst the whole population so we all pay the same regardless of age, health, colour, creed and gender. It's no good private health companies just cherry picking the richest patients just to increase their profits.
Ah, I see you're really a socialist at heart, Mick
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Drivelikeagirl.com might have been a good option too.
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have a look through these mr91, ingenie was the one for my young un