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That seems about right mate, considering claims etc.
The SP30 shouldnt really make any difference.
Im 22, 5 yrs no claims, no points on license, and its costing me £690 a year FC.
Sounds abit expensive, but with 2 Fault Claims in within 3 years and 3 points, they shouldnt count but factored in with your Claim record and the type of car your getting itll get expensive.
Especially if you dont have a No Claims Discount
Tips for you.
Put your Mum/Dad on the Policy as a Named Driver, this can cut 10% off if theyve got a Clean record.
Try Admiral, theyve always been reasonable for me, but as most Insurance companys Share info and use the same calculations youll probably find that you wont get a Quote below 1000.
Quote: Originally posted by UncleRogi on 11 August 2004
Put your Mum/Dad on the Policy as a Named Driver, this can cut 10% off if theyve got a Clean record.
Thats all well and good, but technically it is fraud and you can get done for it.
No its perfectly Legal to have other Named Drivers on the Policy, Insurance companys will ask you if you want to do this when you get a Quote. Most people think it will increase the Cost of the Policy, but it doesnt, especially if its a Partner or a Parent. If they have a Clean License and No Claims within 3 years theres a good chance it will reduce the Quote.
Insurance companys rate Car Owner only Driver at a higher rate than a Car that has two Drivers. If the Car is only in your name the company believes youll drive it "more recklessly" than if it was a SHARED vehicle.
2008 Golf GTI Edition 30
Im 25.
4 prev claims (3 fault, 1 no fault)
1 yr NCB
No points
Fully Comp on my 182
Premium is £800 for 10months with Admiral
Going with 10month policies at mo to get the no claims built up hopefully.
Plus at renewal, two of the claims will drop past the 3yr boundary.
Quote: Originally posted by UncleRogi on 11 August 2004
No its perfectly Legal to have other Named Drivers on the Policy, Insurance companys will ask you if you want to do this when you get a Quote. Most people think it will increase the Cost of the Policy, but it doesnt, especially if its a Partner or a Parent. If they have a Clean License and No Claims within 3 years theres a good chance it will reduce the Quote.Insurance companys rate Car Owner only Driver at a higher rate than a Car that has two Drivers. If the Car is only in your name the company believes youll drive it "more recklessly" than if it was a SHARED vehicle.
Fair enough. Its when you say your mum, your dad etc is the MAIN driver. I think thats when the technicality arises. But saying that, if you did have an accident the ins company has to prove otherwise i guess, and i cant really see how they could.
2008 Golf GTI Edition 30
I have my mum on the policy to help the price.
It brings price down by £200 and its fully legal. Like you say it would be different if she were the policy holder and I was a named driver.
Its all about risks, ie even if she only drives it once, thats one less time that Id be driving, hence lower risk.
Sure. I had my dad on mine as a named driver, until i found out he was costing me another £50
clio 182
try direct line cheapest weve had
clio 182
he he your like me m8 cant fault ya still new thats main thing
clio 182
yeah dont imagine it would be too hard to do still gettin silver one?
clio 182
not yet pal does it make a big difference and how much is it?
