Teenage car insurance!!!!!!!!!

[mjf65]

My son is trying to insure a 1L Corsa and the cheapest quote is £1250!!! He is only paying 450 for his restricted SV 650 for gods sake. Anyone know any good brokers?
Thanks

[Wideboy]

try some price comparison sites then phone up the company with the cheapest quote and get a quote over the phone, it sometimes works out cheaper

[kwak zzr]

My son is trying to insure a 1L Corsa and the cheapest quote is ?1250!!! He is only paying 450 for his restricted SV 650 for gods sake. Anyone know any good brokers?
Thanks

i know its not fair:( my nephew pays ?1600 on his pug 205 which is alot but i still wouldnt insure him for ?1600 quid seeing how he drives it.

[Wideboy]

i ended up paying £1000 for my puggy, its incredibly fast got !!!95mph!!! today then some one moved across in front of me and i was to nackard to do it again:smt036, i reckon it will do a ton:driving:







done at Thruxton of course

[Frank]

done at Thruxton of course[/quote]
well said that man

[454697819]

Im 22 and have 2 years car no claims despite 5 years worth of licence,

I have an 05 plate focus that costs me ?1200 comp to insure, and we jusy bought kittens car this week and that has cost her ?1000 to insure tpft..
both polices habe both of us on them, even so, thats a lot of money in a year!

Yet both of our bike ins is wee cheap!

[gettin2dizzy]

Im 22 and have 2 years car no claims despite 5 years worth of licence,

I have an 05 plate focus that costs me ?1200 comp to insure, and we jusy bought kittens car this week and that has cost her ?1000 to insure tpft..
both polices habe both of us on them, even so, thats a lot of money in a year!

Yet both of our bike ins is wee cheap!:smt119
I've got an 03 Focus, I'm 22, no NCB and have the most powerful diesel (115bhp) and I pay £700 fully comp. I thought that was too much!!

[454697819]

:smt119
I've got an 03 Focus, I'm 22, no NCB and have the most powerful diesel (115bhp) and I pay £700 fully comp. I thought that was too much!!

It would only be £500 if i was living at my old postcode, but alas i live in leeds.... LS12 to be precise... thats what hurts it bad!

Still bike insurance is cheap...:smt023

[malks]

insurance goes so far-starting at no NCB
aged 19- golf GTi mk 3 8v (cost £1500) £1400 to insure fully comp
aged 20 same car- £850 (now business cat 1), changed to vectra 1.8 £2k value for admin fee with a couple of months left on policy.
aged 21-vectra renewal- £650 fully comp.
aged 22- just renewed the vectra for £450 still including the business class 1 insurance.

these insurances are good considering i have a vehicle theft when under my supervision (away for a weekend, my mums car got nicked from me!) but also someone ran into the the front wing of my golf in year 1 too! insurance sucks, but i think you just have to pay the expensive premiums in the start.

[neio79]

28 and wife is 28, got two cars a Pug 307 and a Mondeo diesel insured fully comp inc travel to work cover , both insured on both cars and £700 all in , oh that includes breakdown on the pug as well.

I have full no claims for use and she has none.

This is with Admiral multi car.

[Kate Moss]

I pay £420 - 3rd party for MX3,1.6, 3 years no claims. thats with direct line. I dont know if thats good or not!

[stevehaskew]

I'm 22, a couple of years no claims and I pay ?700 fully comp on a 306 XSi 2.0. With Elephant. I've always found Elephant are around the cheapest for young drivers. Must admit, my first insurance with them was without no-claims and I was paying nearly ?700 for a 1.3 Rover Maestro TPFT.

[Dan]

My first year's insurance at 17 cost me £227.

In 1994, on a Triumph Herald 1200. Classic policies are ace.

[gettin2dizzy]

My first year's insurance at 17 cost me £227.

In 1994, on a Triumph Herald 1200. Classic policies are ace.
Most won't insure under 25s nowadays. They caught on to that loophole a whole ago :(

[454697819]

you might weel find its the type of car too, for example lots of 1l corsas have been driven and crashed by young ppl.

1.6 or diesel focus's are probably driven more by older ppl and so the risk is spread across a much wider age range, possibly leaving them cheaper to insure...or very close..

eg... my 1.6 automatic focus is 1200? comp at 100bhp family car and a 1.8 190 bhp celica is ?1500 comp... ok so there extremes...

I also found peugeot 306's the cheapest cars to insure.

[Draper]

i mean that figure is abit ridiculous for a 1L, but wow, young drivers are complete idiots.

When i was in sixth form, the vast majority of drivers had been involved in a crash, many had had write-offs, and the odd one or two writing off multiple cars! others flipped them over etc...

I think they should put the age up, increase not the test, but the training, and also observations for us lot!

and not having passed my car test means that if something like this was put in place i would also be burdened... but too many teetheads on the road dying and killing other innocent people at the same time

(like what happened in newport a few weeks ago...)

[Wideboy]

but wow, young drivers are complete idiots.

+1, there are some complete nutters at my college, both on mopeds and in cars, one nipper hit a student she bounced of the windscreen and then the car rolled over her, all because he was going 50 in a 20

[Draper]

oouch

i think even when experience you cant be good enough to avoid things happening if you're going to fast or whatever, if some kid runs into the road, doesn't matter who you are, they'll have had it. but i reckon there needs to be more hours in a car with an instructor, to build up experience, because it always helps. Some people manage to do a couple lessons, get in a sporty car, and razz the **** out of it, and in truth dont know anything about driving let alone at those speeds

[Wideboy]

i only had 12-15 car lessons, my dad tought me how to drive when i was young, plus i'd been riding on cbt before i started on driving. but my car is not sporty believe me:smt036

[Wideboy]

i think they're changing the law to have a minimum of 2 years lessons, which is good because young people wont be able to afford to do there license but bad because some people may need to drive

[Draper]

oh no i fit into the young drivers/ riders category too

but i have known too many accidents in my network of people, its a little concerning

and i would love a sports car, but owning one doesnt mean you are going to be irresponsible

there are a few brilliant drivers i know, and they generally seem to be the more intelligent type, rather than the lets race our mates

[Draper]

i think they're changing the law to have a minimum of 2 years lessons, which is good because young people wont be able to afford to do there license but bad because some people may need to drive

its a tough area i agree

[Wideboy]

i think the way to go would be to restrict what cars young drivers can get, i know people who have passed there test and have bought pulsar's and mg zr's (2 of my mates), but then again how can that law be policed

[Draper]

aha good idea :smt023 !

yes i remember thinking about this a while ago, and i too thought of restrictors

i mean i have one on my sv, why should a 17 year old be allowed to have anywhere up to 200mph at their hands?

it wouldnt cure the idiots, but you're always going to get a good few. At least it means that you cant go driving hell for leather

[Wideboy]

+1, well draper, all we have to do know is become the heads of the DVLA:alien:

[the_lone_wolf]

+1, well draper, all we have to do know is become the heads of the DVLA:alien:
well you can almost spell, and almost string a coherent sentence together, so you're already better qualified than anyone at the DVLA that i've experienced...;)

[Draper]

:salut: head of the dvla, i'm onto the job as we speak

[metalmonkey]

My first car was ford fiesta 1.1l f reg, in 97 that cost £666 TPFT, I got an escort now, which I got back 03, that cost less than mobile/month on montly insurance payments.

Insurance has got very expnsive since I got licence, I got 7 years NCD on the car now, it worth paying up for yourself when you first start out. I did now I got the no claims which is useful.

When I moved to London it was either buy a newish car (I wanted a Type R) or learn to ride. I decide to get a bike insteaed, my mate at work got a type it cost him a ton of money to insure and run. I'm very happy I got the bike, my car spends most of its life just being parked up. So a Type R would have been a waste, not mention the cost of the fuel! I got a quote for about £1000 for comp insurance.

I got a quote for another bike I want £1600, for comp but after a year of having the bike licence its goes down by a half at least!

[454697819]

[quote=Draper;1332086]i mean that figure is abit ridiculous for a 1L, but wow, young drivers are complete idiots.
quote]

I hope you didnt mean to tar everyone with the same brush...

yes i would agree there are a lot of stupid drives out there, however there are equally ppl like me who take the responsibilty of owning a license very seriously and as a privilege. Furthermore i didnt have a daddy to bail me out or insure me on another car if i broke it....

I have had my driving license 5 years and as such clocked up nearly 200k miles, the experiance i have had is invaluble, but imho does not warrent a £1200 premium, however we are all aware how insurance works and as such its lump it or leave it i guess...

[yorkie_chris]

Whats the point of restricting cars?

I can break the speed limit and fall off a restricted bike perfectly well, and I'm sure I could crash a restricted car into a busstop full of retarded children as well.

The eejit chavs wouldn't keep restrictors fitted, theres no way to make them tamper proof, and it wouldn't be enforceable anyway.

[Jase22]

Yup I got screwed to the wall with my first year's car insurance. H reg VW polo 1.3, cost me about a grand 4 years ago.

Places to try:

Liverpool Victoria (or Frizzell)
Elephant.co.uk

They were the cheapest I found back then anyway, and for some reason it was cheaper to insure the polo fully comp...:confused:

[metalmonkey]

Yer I had frizzel insurance....

The cars should be resticted, new drivers should be only be able to drive up to a certian engine size of car/bhp of rhe car.

But as Chris already any car is no matter what is or restricted ect will do just as much damage if hits someone, or one of us!