From all the above, plus guesswork, it looks like you will be unlucky to pay over £1000 and very lucky to pay under £500, so budget on £750 and play all the strong cards, including your union (as suggested above) and limiting your mileage. Average non-business mileage is 10,000+; few non-business drivers do more than 15,000; a great many do less than 5,000 and plenty do less than 3,000. You could start out on a 3,000 limit and, if it looks like being too low, raise it for an extra premium when needed.
I reckon it's best to be absolutely honest with insurance companies. If you're not, you'll get caught out one day -- not just a slap on the wrist but possibly loaded premiums or refusals to insure thenceforth, and not only on the car. And it's good to be able to sleep with a clear conscience.
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Morgann, You can get a quote before you purchase a car, I have always done this without needing a registration number. You can ring up and give them the 2 cars to assess to compare. All you should need is year and model. If they DO want registration numbers, go and find the model and year at a used car lot and give them that. say you are comparing costs.Tell them your situation, I think an open, honest communication of your circumstances is essential ( As Roger Jones also points out) You will find they will help, after all, you are a potential new customer.
Probably your cheapest option would be to get an older car for just a few hundred pounds and insure it for third party fire and theft.
That way building up a no claims discount.
I am with Direct Line and was in a local government post where there was an option of the seemingly *union promoted* insurance.
It just was not competative and that remained the case during my many years in the service.
If you budget £1.000 insurance for the cars you have in mind, there should be no really nasty surprises.
When I first started out I drove for several years in an old banger, without fully comp cover and saved a lot.
I now find that specifiing under 10.000 miles saves quite a bit too.
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Just a further point, ( sorry about the spelling mistake I made in my last post, "specifiiing" rather than *specifying* :)
You could obtain *Class one Business Use* if you are going to drive other than commuting to work and leisure use.
That would allow you carry someone in your car in connection with teaching.
Its only available with comprehensive cover though.
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