Thanks for all of the replies-will follow up the suggestions.
Steven
|
Don't know if you've tried Churchill.
I'm 19, got N reg Punto 75 for 3PFT for £1002.
Best I got by about £200.
That is however with PassPlus [very handy to do and saves dough! What more do you want?] and I added my mum as a named driver.
Kev
|
face the music, your gonna pay through the nose when your a young driver becasue insureres know that they can charge the earth, the stats are against you. Mind you, it still pays to shop around and get multiple quotes, i think that anything for around a grand for a driver under 25yrs is not too bad. And if you can't afford it then you can't afford to run a car, full stop!
As for putting a named driver apart from yourself, this can be risky. I had my own policy with my mum as a named driver, but when i had the radio/cd player nicked they company (Endsleigh) got very suspicious about the actual usage of the car, so suspicious that i dropped the claim as it was my mother who was supposedly driving when the radio was nicked. Believe me, they can ask some pretty searching questions when they smell a rat!!!!
|
|
I'm also a young driver at 19, and I've been trying to get quotes on what I hope will be my next car - a 99S Xantia 1.9TD SX, which is Group 12 (This is very bizarre - the car is identical in every single respect bar a slightly more rounded front bumper, the presence of an imboliser, stronger side impact bars and a passenger airbag to my current 94M 1.9TD SX which is Grp 9, but there we go). So far the best I've found is around £1300 with Norwich Union. I'm starting my IAM course soon (Already paid for), and whilst insurance was not the motivation for doing the course, I'd noticed they have insurance offers in the members magazine. Would these be likely to offer me a good deal? I passed 19 months ago and didn't take Pass Plus. Can I still do so, and will it reduce premiums?
|
My daughter is a little older than most of the previous contributors, so her insurance should be a bit less. But it would be worth any readers in a similar situation checking out her policy ?
Premium £400.
No NCB (first year insured in her own name, but driving for 6 years on parents' insurance).
Age 24, Leicestershire.
No accidents or convictions.
Peugeot 309 GLD (group 8, value £100 but insured for £1000).
Insured under the Doric Policy, from the Corinthian Insurance Company, brokered by Leabridge Insurance Services, trading as www.insurancenow.co.uk.
The brokers said this policy was particularly aimed at women in her age group, so it may not suit everybody.
Ian
|
As mentioned above, try tesco.com who come out good for other young people I know. I am with Churchill, who have consistently proved the best service and matched quotes each year as I have rung around. I don't think they go for under 23 though (I am 28).
Have to say, my dad drove my car the majority of the time until I was 21...
|
|
|
Forgot to say "TPFT".
Ian
|
|
|
|
Michael Rodgers -
Several points -
1) There is an option to fixing on a high insurance group car -
in your case I recommend a Peugeot 306DT - Group 5.
2) Ask the IAM insurers for a quote on the assumption you qualify.
3) I am afraid that, although there is a reduction for Pass Plus
(in the form of 1 year's NCB) - it has to be done within 12 months of passing your "L" test.
|
|
|
|
I don't understand. I meant that the insurance is in my name, with my mum added as a second driver [I'm not read up on technical jargon, sorry]. Is this not putting her as the named driver?? Lol.
What I meant was that adding old people [sorry older than me people] tends to reduce premium, as they hope that person may drive it at some point, I guess.
I agree that you must start building your NCD, it'll work out cheaper in the end.
Kev, sorry for any confusion
|
|
|
As for putting a named driver apart from yourself, this can be risky. I had my own policy with my mum as a named driver, but when i had the radio/cd player nicked they company (Endsleigh) got very suspicious about the actual usage of the car, so suspicious that i dropped the claim...
I don't understand what's dodgy about this. I can see it would be fraudulent to insure a car in someone else's name if you're the main driver, but doesn't adding another named driver to your policy simply mean they're allowed to drive the car?
I am the only person currently covered by my policy. If I were to go on holiday with a friend, and wanted to share the driving, I would need to add them as a named driver. Are you saying I can't do this because they wouldn't be driving the car regularly, or that I'd have to remove them from the policy if I didn't expect them to drive the car again? Is it really not possible to add a named driver on the off chance that they may want to drive the car?
|
What NorthenKev is suggesting is perfectly OK, if he s insuring the car in his own name, and adding his mam to the policy so that she can drive occasionally it isn't a problem.
It would only be a problem if he insured it in her name with himself as a named driver on her policy and then went and drove the car all the time.
I put my dad on my policy with Liverpool Victoria and they actually increased the premium a bit, most tend to reduce it, but it was worth it for me as it saves me paying for taxis into the town when I want him to drive my car back home :)
Blue
|
What NorthenKev is suggesting is perfectly OK, if he s insuring the car in his own name, and adding his mam to the policy so that she can drive occasionally it isn't a problem. It would only be a problem if he insured it in her name with himself as a named driver on her policy and then went and drove the car all the time.
Yes, that's what I thought he meant. But Martin seemed to be implying that adding a named driver was dodgy too...
|
|
|
|
No, i am not saying that by having a named driver you are breaking any rules, it's more a case of using the car in exactly the way you have told your insurance company that you will and according to which they have sold you a policy. If it could be proved that any of the details of your policy (it's garaged or not, off road, main driver or secondary driver etc) were in fact bogus or fictitious then feasible an insurance company could say that you have not abided by the terms of the policy they sold you and are therefore not covered. In most instances this is proabaly not a problem as most of us drive our cars as we told our insureres we would. But for instance, i have a friend that disconnected his speedo to keep within milage restrictions and this small but significant detail came to light during a claim his was making whan his classic car was written off.
|
|
|
|
|
|
