young sport drivers

[Jays172]

I'm 22 with 1 year ncb, I haven't insured for a year yet (paid extra ontop of existing cover to swap from a 1.2 to 182) and am paying £239 for 4.5 months which works out to approx £640 a year. I got a few quotes for when I turn 23 and have an extra years ncb and was getting quotes as low as £300 from http://www.moneysupermarket.com.

That £640 a year is presumely plus you existing policy you swapped from?

I'm 21, live in Cumbria 0 no claims, so first year on my own policy, no points etc, paid £840 Air filter declared

I would personally never even dream about paying over 1k on insurance let alone 2k!! Your all daft, wait till your 21, the first major step in insurance coming down. I did, it was hard ( I cheated bought a 106 gti at 20 as i got impatient only cost £340 in someone elses name but soon got rid) and in the end it's worth it.

Take your 2k stick it in an isa for 2 years, then when the time comes, spend that little extra on a better example. It may seem hard now but it's definately worth it!!

 

[Jays172]

...I just remember all the s**tboxes I had to drive before I could move up to anything remotely decent lol

2x 1979 minis an ancient 106 amongst other s**t cars!! the mini clubby was a belter though!!

We all know it feels though, you always want faster etc, especially when your younger, you go through silly fazes like some q's we get on here "can i put a 2l engine in my 1991 clio etc etc" But at the end of the day it pays off to be patient and not get sucked in and ripped off

 

[Laura]

so far ive had a 205 GRD 5 DR ( written off ), 205 Style (still got) and my 1.2 clio, just want something with a bit more guts in it

 

[theduck]

Have you consider getting something like a mk1 or mk2 PH1 RSi? Or if you want newer a mk2 ph2 1.6 16v? Talking around the around 110/120bhp with those and 0-60 in a lil under 10seconds! Feels so much quicker than 1.2's, but doesnt have the 2.0 insurance pprice tag!

 

[Laura]

nah i think ill hang out to get the 172/182, spent a small fortune on mine and id only sell it to get the sport

 

[Brad182]

I paid £1500 for my 1.2 16v clio, first year stating out on my own mind, it then went down to £800, Just got my 182 and like i said it £1077, which personnally is alot lot less than i expected.

Most people don't have a choice but to pay over a £1000 pound for car insurance its why you get so many dicks on the road driving without. i even considerd buying a s**t heap i think it was an E reg micra 1.0 last year, getting insured on it and just leaving it in my uncles field to rot and in the meantime drive under my mums name just to build up my no claims. But i couldn't get insurance on that for under £800.

 

[Laura]

i pay 800 on my 1.2

 

[Ali]

i pay 1100 on the 172 and 478 on the williams.

 

[Topgun]

Im 22yrs, got 4 years NCB, SP30, extra named driver. Quote is £736 with elephant.

 

[barley182]

admiral 2k at 19

 

[Laura]

i feel i will wait till im 21 seems like a dramatic drop in price

 

[al]

Paying over a grand for a 172/182 insurance is completely daft.

Was gonna say that!!

Currently paying £490 for my 1.6 (group 8) 23yo, 3yrs no claims.

Won't get a 172/182 till insurance is gonna be 600 or less............which should be next year according to the quotes i've got

 

[Justin]

i'm 19, 0NCD, crash on file, mum and dad named drivers, £1300 with elephant!

 

[Cookie]

I paid £1700 my first year of driving on my 1.2 (Was 21, London postcode). Second year has dropped to £900. Getting quotes for next year for a 172/172 Cup and its looking like I'll pay around the £950 mark (23, 2yrs NCB)

 

[ado]

Just had a quote from bell and it was £2009. 20yrs, 0NCB & 197 grp 15.

 

[Jonaldinho]

Been getting a few quotes as I want to upgrade at the start of next year. Its amazing how much it comes down when you put a parent as a named driver on your policy!

 

[_Kenny_]

^ or your girlfriend!

 

[Englebert]

Directline were the best for me...

21, 172 worth 6k, 4years NCB = £704 plus about £150 to protect NCB.

 

[Cue]

i'll insure you for £2k but if you crash I want your kidneys, lol

 

[Cue]

seriously though, young driver with a bit of ncb.... i'd say direct line would be a good bet

 

[Englebert]

Considering you're female Taylor i'd expect quotes at 20 would be around the same for a 21 year old guy.

 

[M40 CUP]

Im 22 no ncb coz I raped me 172 into a lamp post at 120 and lost me 3 years ncb and pay £2,000 have pictures ov it and am very lookey to be alive! I sould post them!

 

[M40 CUP]

I only had 3 years ncb as I started on me dads insurance and you can carry it forward! that was wen i had me 1.2 corsa

 

[Jonaldinho]

^ or your girlfriend!

No Girl of mine is going on my 172 policy sir.

They can wait for the Scenic.

 

[_Kenny_]

lol obviously she won't drive it mate!

 

[Jonaldinho]

lol obviously she won't drive it mate!

You can't trust a Redneck lass Kenny!

 

[theduck]

i'm 19, 0NCD, crash on file, mum and dad named drivers, £1300 with elephant!

WHAT??? Ok I'm older, got more no claims, had my sister in law added as a named driver, 1 accident in my name, good postcode (risk B, second from lowest risk!), parked on the drive etc, and my quote from elephant was £2100!!!!

 

[Justin]

not sure what risk my post code is mate, but admiral quoted me £1800 aswell, though elephant was a good £500 cheaper!

 

[**bec**]

Im 21
1yrs ncb
£640
172
risk area = E

oh the joys of being a girl
my bf has 2yrs ncb and 21 and they wanted over 1k haha

thank you direct line hehe

 

[theduck]

I've decided, insurance isnt based on risk, they just pull a numebr out of a hat and thats it your stuck with it!

 

[Guy]

20, 2 yrs no claims, 1750 with bell
21, 3years no claims, 800 with bell/admiral

i need to fish around in the next couple of days. a plan never bothered getting back to me the c***s.

 

[theduck]

I've gotta stop reading this thread, its upsetting me now

 

[Jays172]

Im 21
1yrs ncb
£640
172
risk area = E

oh the joys of being a girl
my bf has 2yrs ncb and 21 and they wanted over 1k haha

thank you direct line hehe

girls piss me off

 

[jon 172]

im paying £35 per month fully comp
age 31 full no claims discount

 

[G man582]

Am sorry but there is no way i would pay over a grand to insure a car some of you guys must be loaded or off your head to pay some of the prices i have seen on this thread, am 27 with 9years ncd and grudge paying the robbing C**ts 460 quid a year no wonder young drivers drive around with no insurance cheeper paying the fine than getting insured

 

[theduck]

girls piss me off

Her quote really takes the piss. Even without my accident I'm the same age, a years more ncb a lower risk postcode and STILL my quotes 3 times higher than hers!!

 

[Justin]

I've decided, insurance isnt based on risk, they just pull a numebr out of a hat and thats it your stuck with it!

Sounds like it mate!

 

[Neil G]

Was gonna say that!!

Currently paying £490 for my 1.6 (group 8) 23yo, 3yrs no claims.

Won't get a 172/182 till insurance is gonna be 600 or less............which should be next year according to the quotes i've got

That's pretty sensible

 

[Ali]

where's the fun in that

172 - 1100£
Williams - 478£
£200+ in tax for both
£80 in MOT
So in total i'm payin 1800£ beans before i've even driven my toys. lol

 

[_Kenny_]

I just got a quote from Elephant for me and the missus fully comp on a 172. £560 with 1 years ncb, not bad I thought although I'm getting on a bit at 25