Jump to content
Escort Cabriolet Club
Blue

Insurance For Youngsters

Recommended Posts

Hi All,

 

I am hopefully going to be driving in the next couple of months. My cabby is my first car that I bought back in Feb which I am hoping to use straight away as soon as I have my full licence. But I either get a quote of 6,500+ for a year or just get rejected, which to me seems insane as it is a 27 year old 1.6 which is really not that fast. If anyone has advise on where I can look or what I should do it would be greatly appreciated.

 

Thanks,

Josh :smile:

Share this post


Link to post
Share on other sites

Josh My lad had the same problem

 

He's 19 with 0 years no claims and wanted a biggish car

 

the quotes he was getting was a joke

 

he's got a 56 plate Mk3 Mondeo 1.8 Petrol

 

he's paying £3900 with the black box fitted

Share this post


Link to post
Share on other sites

Josh My lad had the same problem

 

He's 19 with 0 years no claims and wanted a biggish car

 

the quotes he was getting was a joke

 

he's got a 56 plate Mk3 Mondeo 1.8 Petrol

 

he's paying £3900 with the black box fitted

Indeed they are a complete joke mate so places were asking for 10,500!

 

I had a look at adding a black box but it put mine up another £200 which makes no sense either!

 

I did have thoughts of buying a 1.3 ghia mk3/mk4 escort for a year and store the cabby but they are not as cheap to buy as they used to be.

Share this post


Link to post
Share on other sites

Some ins company's will fit a camera in the car,or curfew after 7 or eight in the evening. My youngest paid 1800 at 18 for his ka 1.3 without any gismos.

Share this post


Link to post
Share on other sites

Insurance is nuts these days.

 

I pay 250 fully comp for my 1.6 cabrio (90 bhp) Just got quoted for an Mk3 focus RS (that I'm considering buying new - 300 bhp) - £300 fully comp. You work that one out.

But all in, I'm actually happy with that :-)

Share this post


Link to post
Share on other sites

How can that be ? As you say how can they come to that conclusion

Share this post


Link to post
Share on other sites

Some ins company's will fit a camera in the car,or curfew after 7 or eight in the evening. My youngest paid 1800 at 18 for his ka 1.3 without any gismos.

 

That is very interesting have not seen that myself would be worth a look

Share this post


Link to post
Share on other sites

Insurance is nuts these days.

 

I pay 250 fully comp for my 1.6 cabrio (90 bhp) Just got quoted for an Mk3 focus RS (that I'm considering buying new - 300 bhp) - £300 fully comp. You work that one out.

But all in, I'm actually happy with that :-)

 

Wow that is just madness that the cabby is nearly the same price as the focus!

Share this post


Link to post
Share on other sites

insurance makes no sense. I regularly hear from my learners of not being able to be quoted less than 3k. there are a few things you can try to lower your quote, but be honest. many of my friends drive highly modified cars, and they get better quotes for listing their mods. another friend did 3 quotes but changed one thing each time he was quoted, where he kept it, in a garage, on the drive and on the road, keeping it on the road was cheapest, how does that work? I recently called my insurance company to change some details, and the lady on the phone said that looks like a nice area, I asked her how she knew and she replied that she was looking at my house on google street view, im guessing to check I do have a garage. adding parents to your policy can make a difference, and which one or indeed both can have different effects. don't be tempted to insure your car in a parents name and go on the policy as a named driver, this is insurance fronting and is fraudulent, you can and will get caught out. black boxes make a difference, curfews are a pain, drive well and you can be rewarded further. limit mileage, but note that mot's are available to view online so don't lie. that's just a few tips I can think of right now.

Share this post


Link to post
Share on other sites

Good points dan,they even know your shirt size now LOL

Share this post


Link to post
Share on other sites

insurance makes no sense. I regularly hear from my learners of not being able to be quoted less than 3k. there are a few things you can try to lower your quote, but be honest. many of my friends drive highly modified cars, and they get better quotes for listing their mods. another friend did 3 quotes but changed one thing each time he was quoted, where he kept it, in a garage, on the drive and on the road, keeping it on the road was cheapest, how does that work? I recently called my insurance company to change some details, and the lady on the phone said that looks like a nice area, I asked her how she knew and she replied that she was looking at my house on google street view, im guessing to check I do have a garage. adding parents to your policy can make a difference, and which one or indeed both can have different effects. don't be tempted to insure your car in a parents name and go on the policy as a named driver, this is insurance fronting and is fraudulent, you can and will get caught out. black boxes make a difference, curfews are a pain, drive well and you can be rewarded further. limit mileage, but note that mot's are available to view online so don't lie. that's just a few tips I can think of right now.

 

That was great Dan! helped me out very much, thank you for your help

Share this post


Link to post
Share on other sites

I remember buying my first cab at 21 and it cost £300 to insure, however due to the joyriding phase this cost upto to £2200 at next renewal. Have you tried classic car insurance, however it will hit young people as it did me.

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.

×