Feckin Car Insurance

[mrapoc]

Basically

I have a Citroen AX

Not a bad starter car, does the job fine, was cheap to buy, just below 1 litre engine size, no mods etc.

Car insurance up for renewal soon, just tried comparethis and comparethat and also did a couple direct.

Putting my mum on the insurance chops off about £200 from the quote.

We both have clean licenses, I have 1 year experience and 1 year no claims, she has 20 years experience but no no claims (no claims made just never had own policy)

SO WHY THE HELL IS THE CHEAPEST QUOTE STILL £950 ONWARDS AND UPWARDS?!

Any ideas on getting it cheaper? Thats the result from both comparethemarket and gocompare. Aviva was crap too.

 

[JN]

Admiral and Elephant gave me the cheapest quotes - but I'm guessing they must have already come up in you comparison searches anyway?

How about making your mum the policy holder of the car and adding yourself as a named driver? If you say that your mum will be the main driver then that should shave a fair bit off (even though its bending the truth). If you've got a garage (even if it is used by another car) tell them that your AX will be 'garaged'.

Also try saying that you'll only be using it for social driving and that you'll only be travelling 5k a year (or something small like that).

May also be worth setting the excess quite high, especially if you'd have no intention on placing a claim if you backed the car into a lamp post or w/e.

Finally think about taking the pass plus course. It shaved £250 off my insurance and usually gives you the same discount for about 3 years after passing your test.

At the end of the day its really down to age. I've only just passed too, yet I can get insurance on a Toyota Celica GT4 (2 Litre Twin Turbo) for only £200 more than your AX :s

 

[Diablo]

£950 isn't too bad, my renewal came back £200 more than last year (despite having an extra year NCB and being a year older). Use all the comparison websites, but unfortunately due to the snow, everyone's insurance is up.

 

[alienware]

£950.. how old are you?

If you're a first time driver that's actually not bad at all.

I am 36. My first car was a Ford Taurus (USA) and by which point I had held a license for three years (had been driving my ex wife's car). I was paying $120 a month in New Jersey. I then (after about a year) got a Hyundai Tiburon (beefed up better specced Coupe) and was paying $95 a month in New Jersey.

And that was with crappy excess and terrible medical coverage (your regular plan doesn't cover you in your car).

Even when I went to Ohio I was still paying $65 a month.

 

[AMDFTW]

how old are you?

its drops majorly when your over 21

 

[Diablo]

I just turned 20, but this is my fourth year of insurance. Annoyingly, my best price this year is like £100 less than it was last year despite the age and NCB. Bring on 21.

 

[llwyd]

If your mum has a car also, do an admiral multicar policy in her name, add yourself as an additional driver and add both the cars. Then set her as the only driver on hers and a shared driver on yours, then set yourself to earn the no claims for your car (and her for hers obviously). Set the excess as high as it will go (your compulsory excess at a young age is massive anyway) and maybe even go TPFT. My excess is so high and market value of my car so low that any incident will result in a write-off anyway so there's no need to go fully comp really.

 

[mrapoc]

im 19 now been driving for a year

i think the car insurance isnt due for renewal on the main car, or doesnt it matter

?