Insurance for 1.2?

[kerry-w]

Hi,

Just wanting to know who would be best to insure with for a 1.2, im 18.

I can have the car put on a a company car again but then I wouldn't gather NCB I don't think? So I wanted to get it in my own name + policy, but quotes have been around £3k

Adrian Flux are giving me a cal in about 30mins hopefully to see what they can offer. looked on the traders on here and their all 19+ to get a policy.

I only want third party F+F, no point getting fully comp as if crashed I wouln't want to claim on the car as my premium would go up.

Tried comparethemarket and their all very close to £3k, also the car is coming up as a Clio Sport 16v when its acually a 1.2 Dynamique :S I always have to change that each time.

Thanks if you can help

 

[Magic Johnson]

Have you declared your crash?

EDIT: Wait a minute, who covered you for your last crash? Surely that policy would still be in effect as that was your first car and it was only last month?

 

[kerry-w]

Have you declared your crash?

Indeed, didn't actually raise the price too much, even though it was insane anyway.

 

[-J-]

Tried Tesco?

They were very good for me on my 1st car many moons ago?

 

[kerry-w]

Tried Tesco?

They were very good for me on my 1st car many moons ago?

Never thought about them for insurance, ill give them a try now! Thanks

 

[DrR]

Just go on the company one, NCB makes bugger all difference till ur 21.

 

[Magic Johnson]

Kerry I don't understand this. You got your first car last month, you totalled it, you must have been insured. That would still be running today so unless you've cancelled your policy I can't see why you're looking for a new one?

 

[kerry-w]

Just go on the company one, NCB makes bugger all difference till ur 21.

Good point there, im seeing what quotes are at the moment though

Kerry I don't understand this. You got your first car last month, you totalled it, you must have been insured. That would still be running today so unless you've cancelled your policy I can't see why you're looking for a new one?

The policy was cancelled, well my car was removed from it anyway. New one would have to be added on again.

 

[Magic Johnson]

ah I see.

Try Admiral. Cheapest for two years for me.

Good with young drivers as they're such a huge company they can afford to effectively undercharge you.

 

[kerry-w]

ah I see.

Try Admiral. Cheapest for two years for me.

Good with young drivers as they're such a huge company they can afford to effectively undercharge you.

Will give them a call now, got quotes £2583 from Adrian Flux, which includes legal cover, windscreen cover, key cover and pesonal belongings of up to £20,000.
£200 excess

EDIT: £3800 from Admiral! one place I won't be going :rasp:

 

[mugglesquop]

Tesco were cheapest for me.

Misses is 23, new driver, Mk3 Golf GTI = £800 TPFF with Diamond

 

[kerry-w]

Tesco were cheapest for me.

Misses is 23, new driver, Mk3 Golf GTI = £800 TPFF with Diamond

Have to ring up Tesco, they couldn't quote me online for some reason :S

 

[James28]

I'm 18 with Admiral on my own policy £1200 fully comp.
I have got one years driving experience though, but that was only as a named driver.
Put one/both of your parents on your policy as named drivers that drops the premium.

 

[Lyndseyy]

Try elephant...
Im 17, with a 1.4 and for fully comp with a full license it is around £1800 for me..

 

[kerry-w]

I'm 18 with Admiral on my own policy £1200 fully comp.
I have got one years driving experience though, but that was only as a named driver.
Put one/both of your parents on your policy as named drivers that drops the premium.

Will give that a go later on

Try elephant...
Im 17, with a 1.4 and for fully comp with a full license it is around £1800 for me..

Will lso give them a try then

Got £2230 from Quinn, with £150 exces and breakdown cover. Would still rather go with Adrian Flux though.

 

[Magic Johnson]

LOL @ the Admiral quote.

That crash has really screwed you! Feck paying 2.5 grand!

 

[kerry-w]

LOL @ the Admiral quote.

That crash has really screwed you! Feck paying 2.5 grand!

Oddly it hasn't raised them more than £50 odd :S they were always around that price anyway which I found stupid. Might see if its any cheaper adding mods to the car with Flux as some people have said it has lowered their quote, worth a shot I suppose.

No idea if Flux reduced price because I told themI was a club member of here, they asked if I was though.

 

[Invexis-]

Like said, add your parents. This really does help!
The best one to add is a female over 24 with a driving experience.
I added my sister and she brought my insurance down 20%. I was gobsmacked to say the least!

 

[kerry-w]

Like said, add your parents. This really does help!
The best one to add is a female over 24 with a driving experience.
I added my sister and she brought my insurance down 20%. I was gobsmacked to say the least!

I'll give that a go then

On phone to Flux again now to see price with mods added.

Flux quoted me £2958 with car being lowered, tints and strut brace on front (Had to think of 3 random mods on the dot :rasp

and raised excess to £300

Think I will be going on company policy again, not much hope here and it's costing me over triple the price of the car.

 

[Lyndseyy]

Yeah, Ive got my Dad and my Auntie on mine and it brought mine down alot.. I also said I parked it on the street and that was cheaper than saying I parked it in a garage.. that's with Elephant.

 

[kerry-w]

Yeah, Ive got my Dad and my Auntie on mine and it brought mine down alot.. I also said I parked it on the street and that was cheaper than saying I parked it in a garage.. that's with Elephant.

Odd that being on the street it lowered it more :S I told Flux either garage or street, whatever is easiest on the night lol

 

[Lyndseyy]

I know thats what I thought! I thought it would of been cheaper in a garage or even on a driveway.

 

[MrBox]

Go to admiral just got off the phone to them, im 18 with a dynamique, and with wheels and suspension for £1314.12 very good compared to what i have been quoted .