Just thought I'd add my own thoughts\views to insurance for young drivers:
Now, I'm not 'young' young, and I'm going to be getting myself one those SEAT Ibiza Cupras (not the 'R', mind) but I'm amazed at the discrepancies of insurers.
My order's going in in a month of so, and as part of any new car buyer's preparations, I've been 'phoning around for quotes. The basics: A 24 year old, professional male (not an actor...or journo!), with almost 5 years NCD (well, 25 days to go) - one claim for a chipped windscreen - a drive way, good post-code (no offence here by the way) and a completely clean license and no convictions.
The quotes:
Kwik fit: "Ha ha ha ha....I'm sorry, let me stop laughing..."
Admiral: "Yes, well it's not cheap sir but £1400 is one of the best quotes you will get.. I mean we search over TWENTY (count 'em) insurers..."
Norwich Union Direct: £1300.....
Tesco: "That's £702.45"
Elephant.co.uk: "£606"
Eagle Star: (Whom I am with presently) "No, we can't insure you unless you have 5 years NCD....and it'll be £1400"
The AA: Don't ask...
Now, I know I'm in the high risk band and "you're young and inexperienced", but the differences are quite staggering to me and a driver with no convictions, no bangs, nothing get's thumped with well over a grands insurance...amazing. I know it's not going to be cheap, but I know it's not THAT expensive..
Tesco's have it at the moment by the way. If anyone has any others please drop me a line and I'd be v grateful...
Oh, and of the car itself: I love it to bits (and so does our John from the roadtest on this site). It's fun, but safe, fast, but controlled... and gorgeous in metallic blue....can't wait!
Well, cheers for the rant...
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Have you tried direct line?
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I was just about to say that Direct Line are good.
I am 28, 5yrs NCD driving a group 17 car. Quote £600.
Others ones to try are:
Endsleigh
confused.com (i am not sure about this one, i have never used it)
your bank
any ads in yellow pages who do not give min age limits. The big ones are sometimes ok, but generally not the ones who advertise vocariously (as this cost just goes on your premium)
BTW - elephant are the same as Admiral
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Try a specialist like Performance Direct. My brother and I have had highly modified Golf GTI's parked on the street since the age of 21 for me and about 24 for Dave. Insurance was about £400 TPFT and about the same as Tesco for FC. The big high-street names tend to stay away from high-risk drivers.
Also, what about Privelege? I've heard they are competitive.
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Taylor Price of Newmarket have been good especially using Highway at LLoyds of London
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i am looking at buying a Vauxhall Astra SRI (New) 1.8 16 Valve 3 door and would like a quote. Im 21 years old. Tom S-S wrote:
>
> Taylor Price of Newmarket have been good especially using
> Highway at LLoyds of London
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do you have a number for taylor price if so can i have it cheers
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do you have a number for perfomance direct cheers mate
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Good responses, so cheers v much - there might be light at the end of the tunnel...
I know Direct Line are under-writers at Tesco (or something) and the quotes are roughly the same which is good, but I'll be giving the other lot a ring tomorrow - Taylor Price have cropped up a few times I see.
Didn't know about elephant.co.uk and Admiral..! Handy to know. Must say that of the latter, the 'phone manner of the guy I spoke to was dreadful - he proceeded to lecture me on young drivers and the "risks we take driving..." etc etc... I then asked him his age...
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..."20 sir"
'nuff said.
Adios.
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One other thing to be aware of is do they do low / no rate installments. Unless you are paying a lump sum it can work out more expensive using a "cheaper one" who charges 19.9% than one which does not.
Good luck
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As I said in an earlier thread on an a similar subject: Try going back to your current insurer with your new figures along the lines of 'I've had a like-for-like quote from ......... and they're quoting .......... What can you do for me?' It has worked for me for 2 years with Hill House Hammond. A little cheek goes along way. Plus it saves you the hassle of checking policies etc.
Taylor Price should be in the Yellow pages (Taylor Price Direct).
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