insurance help needed asap plz!

[dannyh_17]

right my problem is i need to get car insurance for under a grand but i want to be fully comp. im a 17 year old student nearly 18 next month and i drive a 1.4 clio 1998 mk 2 ph1 an every quote has been over 1400 an who ever recomends places like confused or money supermarket dont boter because they are the most expensive places a mean 6000 to insure a clio lmfao crazy so any suggestions or fone numbers would be good tesco are cheapest so far! heeeeeeeeelllllllllllppppppppppp

 

[DH_GTI]

try bell.

 

[Pep]

probably not going to happen mate if I'm honest.

 

[dannyh_17]

what about a grand
also is it better foneing up than using their websites as in can you haggle the price

 

[Jaff]

you'll not get under 1250on a1.4

 

[White16valver]

HIC
CIS

You'll get a smaller premium with a bigger excess, but you should put the excess in a savings account should you need it...

 

[Ja5on]

is the car value high enough to get FC??

 

[Vish]

When I was 18, the insurance on my mk2 ph1 1.4 rt was nearly £2k (1yrs experience but accident at my fault and 3 points) so £1400 isn't bad tbh. Try elephant and try Norwich Union if you have pass plus. NW normally have higher quotes but I got a 50% discount with pass plus! RAC are good too.

With regards to confused.com, they were all high, so I picked the company with the lowest quote, re-did the quote on their own website and they were the cheapest I found anywhere, so worth the hassle just to find a decent company lol

 

[Scaggeh]

If Tesco are the best so far, try the "Tesco Value" product instead. Higher excess and less benefits but should get it even cheaper than the standard product.

 

[dannyh_17]

yes that was tesco value mate and the cars worth 1400 so dont really wanna pay 1400 for insurance but parents want me to be fully comp id rather be 3rd party as if its a high excess anyway then defies the point of fully comp

 

[Jay_clio]

under 1k, no chance, the lowest i got was £952, im 19, 1year driving + Pass Plus.

 

[dannyh_17]

guess wot guys best quote evaaaa £436 a year me as an added driver and dad main an no its not a typo how goods that on a 1.4 clio it will go up by 15% if i get his no claims protected but also i can get 100 pound of if i agree to a young drivers agreement which is to agree to things like not using a phone while driving etc etc

 

[dannyh_17]

my whole familys gonna use them now

 

[Scaggeh]

guess wot guys best quote evaaaa £436 a year me as an added driver and dad main an no its not a typo how goods that on a 1.4 clio it will go up by 15% if i get his no claims protected but also i can get 100 pound of if i agree to a young drivers agreement which is to agree to things like not using a phone while driving etc etc

Eh? £100 for not breaking the law??

Edit: also be careful not to get stung for fronting the policy with your dad..

 

[dannyh_17]

wot u mean make sure that they dont find out that i am really going to be using it more

 

[dannyh_17]

itl be 50/50 to be honest

 

[theduck]

whose that with?

 

[dannyh_17]

some company i think theyre called farm insurance te guy said its the best price youll eva find but also they dont advertise and i hadnt heard of them until my mate recomended them so no wonder they can do it cheap

 

[Sam16hutch]

Direct Line Were Best for Me

 

[Jaff]

the only way i got a quote that cheap was withthat tracker deal from norwich union, but you couldnt drive between 11pm and 6am and you could carry more than 2 passengers and you got charged £50 every time the ignitionis started after 11 even like driving it into the garage £50, because the track the car they can tell if you reguaily speed so can void the insurance, they can tell if your car is in not kept where you said it is, goddam big brother watching us. and they also restriced you to like 150 miiles aday or incur a penailty, lots o other strange terms and conditions.
you might find that thing you need to sign may say no passengers and stuff, readit very carefullly .

 

[theduck]

some company i think theyre called farm insurance te guy said its the best price youll eva find but also they dont advertise and i hadnt heard of them until my mate recomended them so no wonder they can do it cheap

contactr details???