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Insurance thread for young 1*2 owners
- Thread starter The Boosh!
- Start date
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- Tags
- insurance
There are so many different factors to take into account. To name a few, your area, occupation, mileage, other drivers on the policy, how you intend to pay.
Cant stress enough, shop around.
172 CUP
I wasn't talking about you, if you read my post i was reffering to 2 other peoplein the middle of page 24, yep read through this thread number of times, rung the insurance companies instead of doing onine quotes, occupation is computer engineer, mileage is 5000 a year, not going to be communiting in it, pay it all in 1 go rather than monthly, post code aint great but its gonna be in a garage, believe me i have shopped around big time with no luck and its really starting to annoy me
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172 CUP
I havn't bought one yet, got the money but i'm trying to find a decent quote before i buy it. i have done quotes with both modification and standard and the cheapest was adrian flux with mods that i plan to do and that was £2500, i have tried all of them insurance companies plus the ones Jon.g said. Does parking on public road really give you a cheaper quote? TBH i think its my postcode thats raping me for insurance quotes
172
MINE HAS!! still rediculous price of just under 1600.. just turned 22 2yr driving experience,1yr ncb,1 crash declared
i was paying 369 a month for 5 month from when i got it till my renewal on tuesday
172
alright mate im with admiral and thats a 1 off payment.. over the year it was about 2200ish
you can probs rememba me sayin about insurance havin my pants down at the cambridge meet lol
Aye lol. Well I know what you mean as when i got my insurance for my fiesta i was quoted 1600 but didnt have that outright, so pay 190 a month. Hoping it goes down come June as its too much at the moment!!! Thats with elephant who are part of the admiral group anyway lol
172
yeah elephant was next best then brentacre at 1900 flux wanted abot 3.7k
luckily 4me my mams bf put it on his card 4 me and im just payin him 200 a mnth bk this mnth,nxt,and may and then down to about 150ish after that so will be paid off in less than the 12mnth's and also saves me 600ish
172
yeah i thought the intrest free credit card route as sum1 had gave me the idea but didnt fancy havin the debt of it over my head just incase summit went tits up and didnt get it paid off in the interest free time and also ask for discount i did and got 100 knocked off and my breakdown up graded
182, 6r GTi
im 19 2years nc bonus renewal of 1350 but 1500 as iv taken out breakdown and various other things. can scan my renewal if you dont belive me lol
172
the 2yrs ncb will help you out.. some companys wont even touch the cup due to having no abs and all that safety shite
I had this too, by around £400. Quote for cup was obtained january 11 but expired 5th march, then quote for 182 FF was obtained end of march. Surely insurance hasn't gone up £400 in 3 months? I mean, surely?
- Mum, Dad & older sister all named drivers
- 2 years NCB
- No convictions/points/nothing
- Risk catagory "A" postcode
- 182 FF
- Market value £3500
- £750 optional excess (plus mandatory excess of £100 for the policy + £250 for being under 21)
- 12 month policy
- NOT covered 3rd party on other vehicles until I am 25 (this seemed to be the case with Bell & Admiral, so I assume elephant too and I wonder how many of my friends have actually checked to see if they are covered 3rd party when they drive each others cars)
All fantastic, until we got to:
Bell: "Does the car have any modifications or factory fitted optional extras"
Me: being honest: "Yes, it's got the "Cup suspension pack" and the "Cup spoiler pack"
Bell: "Does that make it lower?"
Me: "By 3mm"
Bell: "You mean 3cm"
Me: "No, 0.3cm"
Bell: "That'll be £93 extra"
Annoying but I agreed, after all I'd rather my spoilers/wheels/suspension be covered than them voiding my policy in the event of a claim. HOWEVER because "optional extras" use the same pricing system as "boy racer modifications" the "optional extras" seemingly void your right to certain other discounts (for example the experience level of named drivers is removed from their big "how much is your premium" equation) Things I've learnt for next time:
- Make sure I am actually covered for 3rd party on other vehicles, and not assume I will be because every policy I've heard of includes this as standard
- "Market value" is defined as "cost of replacing your car from an independant dealer" and not "how much did you pay for it" as I had assumed. I feel I could have justified putting an extra £500 easy
- In terms of 172/182s at my age if I put a higher "market value" the premium went down, I guess they figure you'll be more careful with a 3.5k car than a 2.5k car. £500 seemed to make a good £100 difference in premium.
- Bell are cheapest for no/low NCB, but as they gave me 2 years NCB as an introductory offer (because I could proove I hadn't made a claim as a named driver on my mum's policy) admiral or elephant would actually have been cheaper xD
Hope any/some of that will help someone, at some point
i put mines as parked on a public road and it worked out cheaper for me too.
im 20, 0 ncb (due to being a named driver on my first car), 3 points, im the main driver with my dad (who also has 3 points) and my auntie as named drivers and im £1325 on my FF 182 with Admiral, i never expected it to be that cheap to be honest but im not complaining lol.
Just got a quote from Elephant for £1164.33 FC with £150 excess, £70 windscreen excess and £700 accidental damage excess
Thought that was a bit expensive, I'm 21, 4 years NCB, NO accidents, NO claims on insurnace, NO convictions or criminal records and live in a good postcode area
Tried Brentacre for a same quote and they came out at £1289.95 FC with £500 excess.
Why am I being penalised for being a good driver eh?
Thought that was a bit expensive, I'm 21, 4 years NCB, NO accidents, NO claims on insurnace, NO convictions or criminal records and live in a good postcode area
Tried Brentacre for a same quote and they came out at £1289.95 FC with £500 excess.
Why am I being penalised for being a good driver eh?
The Boosh!
ClioSport Admin
Elise, Duster
Same situation as you and my renewal price was the same(ish). Basra is a nicer place than my current post code though so thats played a massive part in why it's so expensive.
If I lived a couple minutes down the road I'd be near an old people's home, literally pensioner territory almost.
UR R26
Just had my renewal laurence. It's the same price as last year, even though i'm a year older and have another years ncb. Got a quote with Bell £300 less.
172
Going to have a look at a 172 cup on sunday. tried elephant for insurance. i am paying £1200 on a 1.2 for a year. and for a 172 cup it will be £2000. If anyone is struggling to find cheap insurance at a young age try elephant/admiral and put 3 named female driver with 15+ years driving experience and say you park it on the street.
Just added my 182 to my multicar policy the other day and it cost me £460
How long did you have to run on the policy if you don't mind me asking?
182 Trophy #333
25 + 6 Years NCB, managed to get mine down to £520 with the exhaust declared, really thought it was gonna be alot cheaper than that!
It's that time of the year for me,
21+2NCB= £660.
Can't complain about that
That is a great deal tbh. Im starting to wonder how much mine will be next year already (only just over half way through my current policy). Paid £800 for the 200 this year. Hopefully will see some big drops :S
Not affected my insurance quotes and im from aberdeen to
About 9 and a half months
It's that time of the year for me,
21+2NCB= £660.
Can't complain about that
who was that with?? im 23 with 4NCB and best ive had is £1165.68
H
Haz1
yeh would b gd if ppl sead who they insured with i got a gd quote with admiral and iam 23 with 3 years no claims and no points and was about 680 for the year
how the hell are yous getting quotes at that price?? i have no points either. my quotes are fully comp with 250 excess
