Good luck fella.

A chap I know who’s 26 has just passed his test. For a ford Fiesta 1.4 he’s just been quoted 3K third party fire and theft.

Not sure if he went with this quote though!

Rip off Britian again!

My first car, at 19, under my insurance was a peugeot 205GTi and it only cost me 1K third party fire and theft for first year then was 800 fully comp after than! Going back a few years now thow.

u will be shaffted until u reach about 25-26 then it starts to fall if u been a good boy lol

best go thru all the compare sites

As I have said before about insurance, any of it, cars, buildings, contents, fishing tackle.

If you can afford it you probably do not need it!!

After all they are there to make money, not give it away. Every risk is analysed down to post code, age, actual claim records, sex of insured and even more. They know more about the risk than we do which is why all the major companies, the Government, the MOD and even the Church are all self insured. Their risks are so well spread that they can work on the old basis of insurance before the days of computers and stats coming from all directions. The many policy holders pay for the few unfortunates who claim. (In those days, claims were almost all valid of course, today they are often fraudulent) You and I are not afforded that luxury.

A mate of mine had 3 claims on his property in a matter of months. Funnily enough, upon renewal the company wanted their claims money back by way of premiums. No problem he thought, I will go somewhere else. All the companies he approached quoted about the same – 10 times his previous premium!

Start with http://www.confused.com You will be surprised at the various quotes. My son is 28 but with no NCD. He was quoted between £1,100 and £8,000 for a particular car and its higher if you keep the car in a garage over night compared to on a drive! Apparently there are more claims from people scraping cars in the garage.

Fully comp is normally cheaper than 3rd party! Also try adding business use, worked for my 18 year old mate! Also add older named drivers. If you get less than 2K you’re doing well!

What Nathan said. Try adding yourself or your missus as a named driver. Increase the voluntary excess. Try elephant.com and pray.

Im 21 with 2 years NCB and its still crazy prices, £800 for 3rd party fire and thief!
To get it down do all the compare sites, direct line im with dont go on the compare sites, so look at them as well. Named drivers can reduce it, but can increase it also..seems random!
i found it best to go through cars getting quotes for each model (i used autotrader and just typed in reg’s from the pics) then find the cheapest and find a car to buy, rather then buy the car then try to get insured.
you can try putting insurance in parents name then getting the 18yo as a named driver, this is a quick fix really as you dont get any NCB and the insurance companies are wising up i think!

Pete: I’ve been doing consultancy work with a vehicle hire company recently and saved them over a £100,000 changing their insurance through a broker in Warwick!

The chap I’ve been dealing with works in Commercial Development but they also do car insurance too:

The Bateman Group
Smith Street
Warwick

http://www.thebatemangroup.co.uk/

01926 495113

Pete: Also try different cars to the C1 to get a better insurance quote. I used to sell Citroen and the C1 is a Euro NCap 4* rated car so insurance might not be as cheap as on a 5* like a Vauxhall Corsa.

9 out of 10 people that I sold Corsas to actually had their insurance go down even when the car was up to ten times the value of their old car!

On a slightly different tack: It’s no wonder that it is tempting for young kids to drive around with no insurance when the average cost of repair following an accident is £467. Being fined for no insurance typically £200, yet the cost of abiding by the law is in excess of £2,000!

Madness!

good luck mate.i am 54 yrs old and just had my renewal which has nearly doubled from last year.i havnt made a claim i have full no claims bonus and only do 6000miles a year.i have been trawling all the sites and it looks like i am going to have to pay at least 75% more.for the first time in my life i can understand why some people run round without insurance.its almost like they dont want to insure anybody .

Two comments:

1) Car insurers have been losing money for years, primarily because their pricing had not reacted to the level of personal injury claims that people now make. As such, it was inevitable that this would happen eventually and it was only the level of competition in the market that has kept premiums relatively low until recently.

2) Penalties for driving without insurance should, in my opinion, be far more severe.