Unbelievable drop in insurance!

[Jordanb29]

Hi all,

I turned 20 last month and in two weeks i get my first years no claims through Aviva. They sent the renewal through, This year i have paid £3030.21(TPFT) altogether for my first years insurance on my little 1.2 clio 8v. Aviva sent the renewal through, TPFT - £2810... WHAT?!

I decided to have a look around and see what comes up. Went onto confused and the prices are... £545.20!! fully comprehensive.. ERRR YES?! BTW ( I have 6 points from when i just turned 18)

Absolutely massive drop in insurance for having a first year of stupidly priced insurance. I actually expected it to be over £1000 still but im amazed at the price. Actually looking forward to having spare money in my bank every month which will be going towards getting a new car.

Im unsure whether I want to go for a new car next year or get one this year as my clio is almost on its last legs being at 110,100 miles and having cost an arm & leg to keep it running and working! Little workhorse has done 22,500 miles this year alone!

 

[Lal B3N]

Just keep an eye on the price over the next 2 weeks and when you ring up too buy that all the details are correct.

Sounds like a good drop though.

But lol at paying £3k. I'd sooner hop to my destination.

 

[Jordanb29]

Just keep an eye on the price over the next 2 weeks and when you ring up too buy that all the details are correct.

Sounds like a good drop though.

But lol at paying £3k. I'd sooner hop to my destination.

I did pay monthly which im sure the APR was 27.3% so that put it up a lot! But i dont think i know any young person at my age be able to afford like £2000 in one payment!

The £545 i think i can pay in one go as i have some money saved up already so i should be able to get away with paying it all in one

 

[Ex-User (19928)]

You paid £3k for insurance on a 1.2 Clio? :S

 

[Loz H]

^^ this

Im on aviva and pay £1300 for the 1.2 16v, first year, with modifications!

They really bent you over on that one, congrats on the £545 renewal though! lucky find

 

[MartinR]

Everyone and everything is different when it comes to insurance costs. Yep 3k is alot but we all have to start somewhere.

Good drop that mate, drive careful and keep it down low.

 

[slob]

Good find. I thought it was instant ban and test re sitting if you hit 6 points as an 18 year old.

 

[Thrill]

Exactly same situation, first year insured on the 1.2 16v was 2.6k TPFT, now it's £620 Comprehensive.

 

[Jordanb29]

Good find. I thought it was instant ban and test re sitting if you hit 6 points as an 18 year old.

At the time i was on a provisional and supposed to only be allowed 6 points max. But i had to go to court and due to me working in a rural location at the time they let me keep my license so i could keep my job so did get quite lucky!

 

[Ed.innit]

I did pay monthly which im sure the APR was 27.3% so that put it up a lot! But i dont think i know any young person at my age be able to afford like £2000 in one payment!

Take out a 0% credit card, and set the monthly payments to your insurance cost divided by 12 (months)

 

[Stay Puft]

Take out a 0% credit card, and set the monthly payments to your insurance cost divided by 12 (months)

Unlikely to get one.. I tried in similar circumstances to the OP.

 

[Ed.innit]

Do you have a bad CR then?
​Should easily get a card with atleast a 2k limmit unless you have a bad credit rating..

 

[Jordanb29]

Just my luck. I decided to pay monthly on this as my renewal was 2 days ago. Paid the deposit which was £78. And then been told by my boss that i am being laid off due to funding(Im on an apprenticeship) and now out of the job. DAMN!

 

[MarcoB]

You've got 3 weeks to find a job

 

[JMR]

Ive just got a price off admiral for the 182.

£ 203 fully comp protected :approve: (200xs)