Insurance Under 21’s Help

[bouncy tigger]

Can you let me know if you are under 21 and who you currently use for insurance ?Currently looking at expanding the discounts section and we would like to approach companies you currently use and are happy with. Thank you in advance. Clare

 

[Scott]

elephant, performance direct, and adrian flux seem to be popular among younger drivers on here

 

[Djw John]

When I was I used CIS, Tesco and Norwich Union Direct who I renewed with after i turned 22. Had some licence difficulties too!

 

[Scott 172]

I,ve always been with tesco

 

[ChrisO182]

Always found tesco, directline, adrian flux, cis and HIC quite good.

 

[unofficialPete]

Endsleigh
2NCD
Fully Comp
Car: 1997 1.4 S
Insurance: 600

Id imagine they have already given a student discount mind..

 

[Christopher]

Im 21 and insure a W Reg (2000) 172 Mk1 with all modifications declared with Adrian Flux.

I pay £1500 fully comp with a £300 excess.

I have 4 yrs NCB and the car is garaged with a CAT 1 immobiliser and alarm.

Hope this helps!

--chris

 

[Djw John]

Not being cheeky but whys this pinned, especially when it should be in the insurance forum? Just a mistake I presume.

 

[TomS]

21 and insure my 1996 valver for £580 - 4 years ncd

Thats with Highway

Tom

 

[Guy]

20 years old on a 182 with 2 years no claims and 3points (sp50), with bell direct

£1745.10 fully comp (mother and sister as additional drivers on the policy)

 

[jimmyt16v]

elephant!!! there the daddies! 657 fully comp with 3 yrs ncb! oh and im 20 yr old

 

[Guy]

elephant/admiral/bell are the same company but for me bell were 150 quid cheaper than admiral and elephant



oh mines a 12 month policy too not a 9 month one.

 

[Lou]

I use Bell Direct, found they were the cheapest.

Im 20, insure 1.2 16V Dynamique, 0yrs NCB due to accident that wasnt my fault but had to go thru insurance.

Pay £618 for their 10month bonus excellerator (spelling)

 

[Zebrs]

Quote: Originally posted by jimmyt16v on 11 September 2005

elephant!!! there the daddies! 657 fully comp with 3 yrs ncb! oh and im 20 yr old

Just hope theyre still the daddies if you ever have to claim with them tho. Any company can give you a low quote, its their claims procedure which distinguishes it as a good deal or not.

 

[Djw Dave]

Quote: Originally posted by EvilJohn on 11 September 2005

When I was I used CIS, Tesco and Norwich Union Direct who I renewed with after i turned 22. Had some licence difficulties too!

LMAO!!!!!

 

[bouncy tigger]

Quote: Originally posted by EvilJohn on 11 September 2005
Not being cheeky but whys this pinned, especially when it should be in the insurance forum? Just a mistake I presume.




Not a mistake, more an information gathering exercise.

I am looking into insurance discounts and and hoping to be able to include an insurance company that the under 21s can also use, and this is in the main Clio Disscusion forum to gain the most taffic before i start phoning around tomorrow!

 

[bouncy tigger]

Thank you to everyone who has posted information so far.

 

[Djw John]

Ah ok, cool, cheers for clearing that up

 

[bouncy tigger]

Your welcome.

 

[Topgun]

Im currently 21 mate with 3 years NCB. Ive got 3 points because this country is obsessed with speeding punishment. I also have my girlfriend on the policy (which makes it cheaper although the chances of her driving it equal to that of me donating my car to charity). I shopped around and elephant were by far the most helpful.

I payed the insurance outright for a year with an increased excess, but if you drive sensible youll have no worries. All in all I payed £798 with 7000 miles a year and a car value of £7500.


[Edited by Topgun on 11 September 2005 at 9:24pm]

 

[Ogmog]

elephant for me also

 

[Clarkie172]

cis

 

[Justin]

18, seat ibiza cupra, just under £900 with admiral!

 

[Hector]

norwich union

 

[Ali]

20, FNC mum and gf on policy, all mods, 172, 1500

 

[Sarah_84]

21, 1 years ncb, FEMALE, 2003 Astra Coupe Turbo, with mods declared, £1253 with Elephant, I think a 182 was about £1500

 

[SNAKEY!182]

im 23, 182 trophy,3 years N C , very large claim in the past , £700 with elephant !

 

[RN0 5EAN]

im 19, 182 trophy, 6 points (IN10) and a charge with LC20, insured through norwich union pay £2200

 

[Guy]

Quote: Originally posted by RN0 5EAN on 12 September 2005

im 19, 182 trophy, 6 points (IN10) and a charge with LC20, insured through norwich union pay £2200

doesnt 6 points in first 2 years of driving put you back down to learner status?? whats in10 and lc20?

norwich union told me i have to be 25 to insure my 182..

 

[freefly]

Copied from the other post:

Im 20 and have a 182 Trophy

I think Im paying roughly £1900 with Elephant with 1 years NCB, no points as of yet, the tip about adding your parents i can confirm definatley is true and is above board as i questioned this with elephant.

Hope this helps.

 

[polarbert]

got insurance with admiral, 19 no no claims, 2134 for 10 month policy, on a 182

 

[Ja5on]

Quoted £1198 on 182 sport. 21yrs old 0 NCB 1 claim been driving nearly 3 years. The policy is in my name but both parents are on it as named drivers!



Just waiting for my letter coming from my old insurer confirming my 2yrs NCB which will bring it down.



just wish I didnt have to wait another couple of wks to get me car!!!

 

[DebV6]

Admiral or elephant are Cheapest for me is about £500 for my vtr, 2NC and 3 points, but got quote for £1013 for my 182 with Admiral, which is cheapest so far, my boyfriend makes it cheaper for some reason, despite having 2 claims!

 

[DebV6]

Quote: Originally posted by Funnycar55 on 12 September 2005


Quoted £1198 on 182 sport. 21yrs old 0 NCB 1 claim been driving nearly 3 years. The policy is in my name but both parents are on it as named drivers!



Just waiting for my letter coming from my old insurer confirming my 2yrs NCB which will bring it down.



just wish I didnt have to wait another couple of wks to get me car!!!

Whos that with?

 

[bouncy tigger]

Thank you everyone who has given suggestions so far, i will let you all know what happens as and when i get responses back.

Please feel free to pm me should you have anthing you wish me to look into when contacting companies apart from a discount, do you need to see anything specific in the cover etc.



Clare

 

[DAVE_RSi]

obviously, would help if the discount is with a company that accepts modifications

i.e greenlight

admiral/elephant/belldirect

I was with admiral, now with elephant, hic were close the year before but now have gone up,+ take ages to get through to them

 

[Mack]

I know its been said many times before, but

When quoting with elephant put your parents in as other drivers and it nearly always brings the price down.

They seem good enough for claiming, my mates in a middle of one at the moment. Seem the best for prices to me.


Im 20 with 2 NCB, I have been quoted the following for 10 months. Im currently on 19 - 20 year old 1 NCB, £600 for my Clio

Audi S3 £1500
Audi S4 (2.7 Bi Turbo!!) £1500
182 £1500
BMW 328i sport £1300
Alfa 2.5 V6 £800
Volvo 2.3 T5 Turbo £1500
BMW 323 2.5 £900


[Edited by Mack on 15 September 2005 at 3:45pm]

 

[Ja5on]

Sorry my quote for the 182 was with elephant! Cheapest by a long way next closest was £1500



If its your own policy stick the parents on it makes it cheaper.

 

[bouncy tigger]

Quote: Originally posted by DAVE_RSi on 15 September 2005


obviously, would help if the discount is with a company that accepts modifications

i.e greenlight

admiral/elephant/belldirect

I was with admiral, now with elephant, hic were close the year before but now have gone up,+ take ages to get through to them

At the moment we still have a discount with Greenlight but they dont cover under 21s and i would like to see if we can get a company that will cover all age groups that can work alongside.




[Edited by bouncy tigger on 15 September 2005 at 6:04pm]

 

[bouncy tigger]

If there are any further suggestions you would like to make over the weekend please feel free to email them to mailto:clare@cliosport.net">clare@cliosport.net