Insurance....

[Palmer]

Ok so i rang Peter Best this morning as he was recommended by some people... Cant do anything as im under 25.

This is getting really ****ing tedious now. Seriousely anyone know any cheap ISH insurance companies?

Peter Best - Nope
Lancaster - Nope
Footman James - Nope

[JamesV70R]

Elephant/Admiral/Bell .. all the same company but they all quoted me slightly differently.

Worked out chespest for me!

[Palmer]

Elephant/Admiral/Bell .. all the same company but they all quoted me slightly differently.

Worked out chespest for me!

they're my top 3 cheapest quotes so far actually hahah!! :D

[david philips]

i dont know if it still works but years ago you could insure a car in your dads name with you as a named driver and it worked out a lot cheaper,only disavandage is you dont get a no claims built up.good luck.:car:

[isleaiw]

i dont know if it still works but years ago you could insure a car in your dads name with you as a named driver and it worked out a lot cheaper,only disavandage is you dont get a no claims built up.good luck.:car:

Technically that is defrauding the insurance company as they ask who the main driver is - but they have pretty much killed that one by charging extortionate premiums for named drivers! Putting my 17 year old son on the insurance of my wife's Corsa (bought specially so kids could learn in it and get insured when they passed) increased the preium from 800 quid to £2400!! and the 800 quid premium already reflected that my 19 year old daughter was a named driver on the policy.....

Ian

[SonyVaio]

Named drivers on most insurances now a days also accrue NCB, well worth asking when being quoted.

When we only had one car and moved to the two cars my insurance company at the time awarded my missus a full 5yrs NCB as she had been on my insurance over the period as a named driver (although she had none of her own), beleieve that was TESCO insurance at the time.

:star-wars-smiley-01

[Palmer]

I might add this is regards to a classic policy. I find it very discriminating that they say "no classic policy your under 25." They wouldnt refuse insurance based on genders, race or religion so why agaisnt the young uns! All tarred with the same brush again! Useless hippies!!!!!!!!!!!!!!! :loser:

[Kevs Estate]

I totally agree with you regarding the above post.
I must admit i had a shock when i found out my last 940 turbo was group sixteen and my current non turbo 2ltr is group fourteen! Why such high insurance groups?. When your knocking on the door of fifty years old, it's still expensive. So i do feel for you and i am sorry that i cannot reccomend any insurance companies, other than the AA, who i am with.

[SonyVaio]

I totally agree with you regarding the above post.
I must admit i had a shock when i found out my last 940 turbo was group sixteen and my current non turbo 2ltr is group fourteen! Why such high insurance groups?. When your knocking on the door of fifty years old, it's still expensive. So i do feel for you and i am sorry that i cannot reccomend any insurance companies, other than the AA, who i am with.

Do the current insurance groups not go upto 40 and not just 20??

:star-wars-smiley-01

[Palmer]

Do the current insurance groups not go upto 40 and not just 20??

:star-wars-smiley-01

Depends on the insurer, some go to 40, some 50 some 30 who knows lol

[oldbob]

try adrian flux my son got a good deal there and has now been with them for a while on 5 different cars

[jez v40]

just renewed mine today, AVIVA does it again. i know somepeople will come on here saying stay away from them, but i couldn't beat them anywhere. had to make some changes to my cover, got 3 points (sp30) last year and noticed my usage didn't include commuting to work so had to change that. all this made a difference of £14 on my premium, which was £304 so went to £318. this is for a 02 reg v40 diesel (115). ok i'm 49 years old with 19 years no claims and the points i got last year are the first i've ever had. i know this isn't very relative to your op but just goes to show that eventually it will get better.

[Rustee]

Try adding some older named drivers like parents, insurance companies think that reduces the risk as they will be using the car too when you won't be and it brings the costs down.

[Ninja59]

insurance groupings are upto 50 now :)

[scr8pdo]

I dont know, my insurance was 360 for the year (trade insurance) and its just cost me another 95 quid to add my wife as a named driver on that policy, it entitles me and her to be insured on any car I own or am in custody or control of

[V70Driver]

just renewed mine today, AVIVA does it again. i know somepeople will come on here saying stay away from them, but i couldn't beat them anywhere. had to make some changes to my cover, got 3 points (sp30) last year and noticed my usage didn't include commuting to work so had to change that. all this made a difference of £14 on my premium, which was £304 so went to £318. this is for a 02 reg v40 diesel (115). ok i'm 49 years old with 19 years no claims and the points i got last year are the first i've ever had. i know this isn't very relative to your op but just goes to show that eventually it will get better.

Am hearing more of this swindling from insurance thieves. So we buy a car and we get quoted for insuring it. If that quote does not include commuting to/from place of work and as far as I am aware all policies state not for rallying, test track driving, business, etc etc, then what the hell does the quote cover? In case its nicked from your driveway?
Surely we all buy vehicles in order to get to/from work AND then for the evening and weekend jolly's out. If it is not insured for commuting to/from work, are cars insured for taking the kids to school?
Insurance company's are licenced, legalised thieves on a scale which is unbelievable.
V70Driver

[Palmer]

Just ticked the box that says "annual payment" on Confused.com

That knocked 300 quid off LOL!

wtf!

[baldmosher]

Surely we all buy vehicles in order to get to/from work AND then for the evening and weekend jolly's out. If it is not insured for commuting to/from work, are cars insured for taking the kids to school?
To be fair, I've found adding C to SD+P only adds £20 a year to the overall premium. And they only refuse to pay out for commuting if you tell them you were on your way to work when you crashed. Which if you'd opted to save £20 by omitting C you would have to be very, very stupid to admit.

Just ticked the box that says "annual payment" on Confused.com
That knocked 300 quid off LOL!
Not surprised. 24.9% APR typical. I'm always astounded when people pay their insurance monthly. Just get a credit card with 0% on purchases for 12 months, and then pay for the insurance in one go, and then set up a standing order for the next 12 months. (Obviously you have to do the same thing every year, but that also helps to build up your credit rating.)

Under 25s aren't supposed to drive big heavy cars with big engines until they can prove that they can drive small cars with small engines safely.

I'm now over 30 but until then there's no way I'd've been able to get anything with a 2 litre engine. I've been on 1.9D for the last 4 years and 1.1 petrol before that

Adding my (now 62-year-old) dad to the named drivers usually knocks off £150. Adding my mum this year knocked off another £5. Neither of them have ever driven my cars. But they might one day as they are insured.

You could also register and insure the car at your parents' address if they live in a safer post code area. This isn't necessarily defraud, but it is a white lie that brings your premium down.

I've got a £1500 excess so if I crash it I can't claim. Elephant liked that a lot. Knocked off £300 from £800 total.

[JamesV70R]

Under 25s aren't supposed to drive big heavy cars with big engines until they can prove that they can drive small cars with small engines safely.

Started with a 1.6Astra (aged 20), then an XC70 D5 for 6 weeks (Friends motor, he was out of the country so insured me), then a V70 2.5T, and now a V70R AWD.

I'm now 23, and driving the car of my dreams. (quite sad my dream car has been a Volvo, isn't it! )

Who says younguns shouldn't have big cars! ;)

[baldmosher]

I must admit I was quite surprised when I was quoted £1,400 for a 1977 Porsche 911 with a remanufactured body at the age of 24. Anything's possible if you have a couple of years no claims! And twelve grand to spend on it.

[V70Driver]

Like I asked, if a quote does not include SDP and any of the other specifics I posted, then when as we have seen on here people are being quoted hundreds of pounds for renewall, what the hell does the quote cover, if it costs only a mere £20 to add SDP?
V70Driver

To be fair, I've found adding C to SD+P only adds £20 a year to the overall premium. And they only refuse to pay out for commuting if you tell them you were on your way to work when you crashed. Which if you'd opted to save £20 by omitting C you would have to be very, very stupid to admit.


Not surprised. 24.9% APR typical. I'm always astounded when people pay their insurance monthly. Just get a credit card with 0% on purchases for 12 months, and then pay for the insurance in one go, and then set up a standing order for the next 12 months. (Obviously you have to do the same thing every year, but that also helps to build up your credit rating.)

Under 25s aren't supposed to drive big heavy cars with big engines until they can prove that they can drive small cars with small engines safely.

I'm now over 30 but until then there's no way I'd've been able to get anything with a 2 litre engine. I've been on 1.9D for the last 4 years and 1.1 petrol before that

Adding my (now 62-year-old) dad to the named drivers usually knocks off £150. Adding my mum this year knocked off another £5. Neither of them have ever driven my cars. But they might one day as they are insured.

You could also register and insure the car at your parents' address if they live in a safer post code area. This isn't necessarily defraud, but it is a white lie that brings your premium down.

I've got a £1500 excess so if I crash it I can't claim. Elephant liked that a lot. Knocked off £300 from £800 total.

[Spike1918]

Insurance companies are CROOKS, they`ll load you up with anything they `think` they can get away with!
The old sit and talk to an insurance broker days are long gone, most staff in insurance agencies are numpties these days that don`t know the first thing about a car they are quoting on to be honest.
Folk purchasing insurance online have sealed the fate of the more honest brokers that used to be around.

[V70Driver]

Totally agree, legalised theft of a grandiose nature. Like I have asked. If as some have said they get quoted £300, £400, £500 for annual renewall and SDP is not included, nor is the rallying, track racing, test driving, speed way, business, I take it running the kids to school in not included, etc, etc, then what does the £300, £400, £500 exactly cover if SDP is not in the quote? If you cannot do the things mentioned, what am I getting for the quote?
Someone needs to sort the whole insurance industry out. They are worse than vermin.
V70Driver




Insurance companies are CROOKS, they`ll load you up with anything they `think` they can get away with!
The old sit and talk to an insurance broker days are long gone, most staff in insurance agencies are numpties these days that don`t know the first thing about a car they are quoting on to be honest.
Folk purchasing insurance online have sealed the fate of the more honest brokers that used to be around.

[johnjp]

i dont know if it still works but years ago you could insure a car in your dads name

A friend has insured her car in her son`s name (new driver) and she is the other named driver, it was significantly cheaper.

Have you asked for business/work use?

[Palmer]

Im the policy holder, mum a named driver, and mums parter a named driver, ticked annual payment.

So far im getting reasonable quotes.

Im 21, 2 crashes, 3 points and no NCB. I can even insure a T5 now for 2 grand (not that im going too lol) before it was 3,500+

:)

[Spike1918]

All of this is fine and dandy until the day you have an accident. If the police get involved things can really go tits up if there are some discrepencies with the insurance details.
That said, why should prospective insurance customers be honest when the ferkin insurers rarely are?

[Palmer]

All of this is fine and dandy until the day you have an accident. If the police get involved things can really go tits up if there are some discrepencies with the insurance details.
That said, why should prospective insurance customers be honest when the ferkin insurers rarely are?

I am being honest, their named drivers not the policy holders ^^

Its handy to have dave on their if his car is ever naffed. He used my old 940 to get to work when his Vectra was having issues. And mum hasnt fancied driving since her mini (G112 GAD) that was sold ages ago but she might have a go u never know :)

[Bill_56]

Im 21, 2 crashes, 3 points

I genuinely don't mean to sound unhelpful but, with these statistics, have you asked yourself whether perhaps you are yet ready for car ownership? Just maybe, you could wait a few years, take some more lessons, and ask for the driving instructor's view at that point?

You can fiddle around with different configurations of insured and named drivers, but if you are actually the main driver, and you fail to say so, then your insurance would be invalid. That would allow you to add 'prosecution for driving without insurance' to the 2 crashes and 3 points.

[Palmer]

I genuinely don't mean to sound unhelpful but, with these statistics, have you asked yourself whether perhaps you are yet ready for car ownership? Just maybe, you could wait a few years, take some more lessons, and ask for the driving instructor's view at that point?

You can fiddle around with different configurations of insured and named drivers, but if you are actually the main driver, and you fail to say so, then your insurance would be invalid. That would allow you to add 'prosecution for driving without insurance' to the 2 crashes and 3 points.

Read the above post, im doing it legit not getting someone else to be the main driver.

As for the points / crashes... yeah i was a bit of a dick when i passed... who wasnt? Well actually only the 3 points was speeding. One crash was not seeing the car coming at a crossing (wrote off my 940) and the other was hitting a car in front during heavy rain when he suddently braked (Mk 5 Fiesta)

People make mistakes, please dont just assume that because im a young driver with points / crashes that i drive everywhere at 399mph cutting everyone up and i shouldnt be driving. Im outstounded at the ammout of idiots on the road as you.

[Bill_56]

Read the above post, im doing it legit not getting someone else to be the main driver.

As for the points / crashes... yeah i was a bit of a dick when i passed... who wasnt? Well actually only the 3 points was speeding. One crash was not seeing the car coming at a crossing (wrote off my 940) and the other was hitting a car in front during heavy rain when he suddently braked (Mk 5 Fiesta)

People make mistakes, please dont just assume that because im a young driver with points / crashes that i drive everywhere at 399mph cutting everyone up and i shouldnt be driving. Im outstounded at the ammout of idiots on the road as you.

I'm not assuming that anything is attributable to your age. I'd suggest exactly the same (additional driving lessons) if a 30 year old or a 70 year old presented me with the same statistics of 2 crashes and 3 points in short period of time (I assume, max four years, since you were 17?)

And I can assure you, lots of people weren't 'dicks' when they passed.

I suppose maybe what would be fair would be to find an Insurer that would reward you for taking extra lessons, but I can't see that being likely.

[Palmer]

I'm not assuming that anything is attributable to your age. I'd suggest exactly the same (additional driving lessons) if a 30 year old or a 70 year old presented me with the same statistics of 2 crashes and 3 points in short period of time (I assume, max four years, since you were 17?)

And I can assure you, lots of people weren't 'dicks' when they passed.

I suppose maybe what would be fair would be to find an Insurer that would reward you for taking extra lessons, but I can't see that being likely.

My mistake i thought u were :/ Yeah one crash and 3 points were like almost immediate. The last crash was in 2009.

As they say, u learn by your mistakes.

Speeding
Braking distances in the wet
Observation.

[SonyVaio]

Palmer,

As you say we were all young and I defy anyone and I mean anyone to say they've never done something (how do I put it?) STUPID! or just been caught out by either the conditions or a corner or just seen 'Red Mist' when another driver has done something stupid and you decide to tell them so???

Things happen, accidents/incidents happen and as long as people genuinely take note and learn from their mistakes and then better themselves then no worries. You certainly sound like you've learned and are on the right track now.

Hope you find insurance at a reasoonable rate and enjoy your motoring, be safe but also enjoy yourself and take pleasure in your car as well as driving it.

:star-wars-smiley-01

[Bill_56]

My mistake i thought u were


Admittedly, I'd probably not have advised the 70 year old to 'wait a few years', but I'm in danger of stereotyping again so I'd best say no more.

I do seem to recall that the IAM and Rospa courses are recognised by some Insurers, leading to small discounts. In a fair and just world (which this isn't) it might lead to a more significant discounts for a person with 'bad statististics', on the basis that those who do something pro-active about it are most likely to become 'good statistics' in future. But I repeat, this isn't a fair and just world, so don't expect it to happen, maybe worth enquiring though?

[SonyVaio]

Admittedly, I'd probably not have advised the 70 year old to 'wait a few years', but I'm in danger of stereotyping again so I'd best say no more.

I do seem to recall that the IAM and Rospa courses are recognised by some Insurers, leading to small discounts. In a fair and just world (which this isn't) it might lead to a more significant discounts for a person with 'bad statististics', on the basis that those who do something pro-active about it are most likely to become 'good statistics' in future. But I repeat, this isn't a fair and just world, so don't expect it to happen, maybe worth enquiring though?

You'd like to think so but I bet it doesn't. When you phone an insurance company and they run through a quote there is next to nothing about it being personal nor will it take into consideration personal circumstances. It is just a case of drop down boxes and check boxes for various things. The only thing they will use a notes box for is specialist mods and such like. To this end an IAM qualified driver will just be a check box that may or may not be awarded a discount. The fact that the person was being pro-active in attaining the AIM qualification won't even get a lookin.

:star-wars-smiley-01

[Palmer]

Admittedly, I'd probably not have advised the 70 year old to 'wait a few years', but I'm in danger of stereotyping again so I'd best say no more.

I do seem to recall that the IAM and Rospa courses are recognised by some Insurers, leading to small discounts. In a fair and just world (which this isn't) it might lead to a more significant discounts for a person with 'bad statististics', on the basis that those who do something pro-active about it are most likely to become 'good statistics' in future. But I repeat, this isn't a fair and just world, so don't expect it to happen, maybe worth enquiring though?

LOL probably not the best idea ^^

Ill look into that!

Cheers :)

[m0bzy]

After reading some of the sums people are paying for insurance I realise I must becoming a grumpy old git!
I have just put the phone down after bitterly complaining about a £120 increase in my premium,it has now dropped to £350,£80 LESS than last year,with £100 excess! Why could they have not quoted that figure in the first place,or were they hoping I would not notice?

[dew1911]

Elephant/Admiral/Bell .. all the same company but they all quoted me slightly differently.

Worked out chespest for me!

Yep, for the last 3 years and across 3 cars (2 Focus and the D5) they cannot be touched, and this includes so called specialists!`
`

[jackd]

Elephant are who I am with now too. They were by far the cheapest for me. £1550 for the year. You might wince at that but I am only 20 and I have a big heavy convertible with a turbo which will demolish anything I hit. I hate the way they discriminate against young drivers about classic insurance. I would have loved a classic car but I can't afford to put one on an ordinary policy. On the topic of "being a dick" when you passed your test, I can't say I was exempt. I was put straight into a big powerful car (2005 Mondeo ST) but I didn't crash it thankfully despite a great deal of arsing around. Insurance starting to get a lot cheaper for me on nice cars. I think Volvos are generally cheaper to insure than other marques, when I considered a 325i convertible and an A4 convertible the insurance company wouldn't hear of it. Jaguar seems to be another one. No BMW's, Mercedes or Audi for you son, but by all means have a big heavy Volvo or Jaguar! Surprisingly Porsche's are also rather cheap to insure, probably because they are all driven by old gits and have a very low accident frequency rate. In general I do consider insurance to be daylight robbery, however I don't consider it to be entirely the insurers fault. I blame boy racers in their pimped corsa's wrapping them around lam posts and frequenting ditches.

[Palmer]

Elephant are who I am with now too. They were by far the cheapest for me. £1550 for the year. You might wince at that but I am only 20 and I have a big heavy convertible with a turbo which will demolish anything I hit. I hate the way they discriminate against young drivers about classic insurance. I would have loved a classic car but I can't afford to put one on an ordinary policy. On the topic of "being a dick" when you passed your test, I can't say I was exempt. I was put straight into a big powerful car (2005 Mondeo ST) but I didn't crash it thankfully despite a great deal of arsing around. Insurance starting to get a lot cheaper for me on nice cars. I think Volvos are generally cheaper to insure than other marques, when I considered a 325i convertible and an A4 convertible the insurance company wouldn't hear of it. Jaguar seems to be another one. No BMW's, Mercedes or Audi for you son, but by all means have a big heavy Volvo or Jaguar! Surprisingly Porsche's are also rather cheap to insure, probably because they are all driven by old gits and have a very low accident frequency rate. In general I do consider insurance to be daylight robbery, however I don't consider it to be entirely the insurers fault. I blame boy racers in their pimped corsa's wrapping them around lam posts and frequenting ditches.

You got me :D

Ive just bought a mercedes actually and its about 1,100 cheaper to insure than the volvo (which was 2400)

[Wiznae]

Ok so i rang Peter Best this morning as he was recommended by some people... Cant do anything as im under 25.

This is getting really ****ing tedious now. Seriousely anyone know any cheap ISH insurance companies?

Peter Best - Nope
Lancaster - Nope
Footman James - Nope

I have been using an Insurance Broker for years for every conceivable Insurance that one requires and as far as I am concerned he always gets me the best deal - I have tested the going rates with companies like Churchill & Direct Line many times over the years and my Broker always comes up with the best deal.
Try a decent Insurance Broker and ask him to do the work for you they really do not cost very much at all

[Laney760]

Ist Central have been very good for somebody I know in their first year of insurance and only put their insurance up by £19 a month for a claim in their first year but the first few reviews of them here are not good, havent read all reviews, so please do your own research!

https://www.moneysupermarket.com/c/car-insurance/1st-central/reviews/154/

[golly]

try insure the box my son is insured with them, the only thing is they fit a tracker and restrict the mileage.

hope this helps

[windmill83]

Direct line has done the best prices for me for the past 2 years.

I was 27 when I got cover this year for £430 comp on '55 S60 D5.

Apparently I'm still classed as a young driver, and my DIESEL VOLVO is a performance car. I was just speechless.....:sad-smiley-023:

Silly really as I have 2 bikes as well, and both on one policy for £595 comp.
('07 BMW R1200S - 120bhp, 155mph and '11 BMW S1000rr 192bhp, 180+mph)

They just make their prices up!!!!!

[mjcourtney]

I don't understand this "performance car" rubbish they come out with. I'm in the same position as Windmill83. Just renewed my insurance, i'm 26, 8 years no claims, and was told my 2.0Tdi A3 (140bhp) was a performance car. First quote from my broker was £900!!

After a lot of haggling and comparing quotes (mostly against Admiral who were cheapest) I got the price down to £650. Still seems a lot, and I certainly wouldn't class it as performance!

The government gave car insurance companies an inch and they're taking a mile.....