whats the best insurance car?

[Paul the 6th]

ford ka - group 2 insurance have a look on www.parkers.co.uk in the "facts and figures" section - it gives details of road tax, insurance group, bhp etc.... for each car.

Endsleigh were pretty good when I was a "student" but then as soon as my status switched to "employed" it went up about 300 quid!

I'm with directline now, always seems to be the cheapest (although I was surprised I had to push them at last renewal). I've got our house & contents insurance with DL as well, so when vicky switches to DL in a few weeks, it'll be £235 for her (fully comp 3 years NCB and me as a named driver) on a 57 plate fiesta zetec-s... sorry to rub it in lol.


Come to think of it my first car was a 1.3 escort worth £800 quid and my first years insurance was about £1600... it'll come down in time but you'll have to shop around

[Viney]

You need a gropu 1 car. There arent many nowadays. A lot of factors decide your fate when it comes to insurance. Occupation being one of them, milage, where the car is parked, its postcode where parked overnight etcetc, nto just age. You could always look for a classic and get it on classic insurance. A mate has a Mk1 escort. He is 18 and pays less than £400 fully comp. He is limited to 5000 miles a year but it works and goes, and that on a 1600 engine, and its far more stylish than a Kia Pride or suchlike!

Originally Posted by kitkat

ive got a suzuki alto and its a 1.1, to get my daughter added onto policy with provisional licence would be £200 once she passes her test it jumps to £800. But the road tax is only £35 so wee bonus there.

i cant go on my parents insurance because they dont insure anyone under the age of 21. unfortunatly ladies get insurance alot cheaper than blokes do............ gender change maybe haha

[Mej]

thats rubbish mate, get yourself a little 1.0 litre lump, saxo, 106, 306, fiesta and you should be able to get insurance under a grand.

Originally Posted by J2UK

thats rubbish mate, get yourself a little 1.0 litre lump, saxo, 106, 306, fiesta and you should be able to get insurance under a grand.

parents 1.2 ford fiesta lx 1998 is £1700 so thats out the question, i havent passed test yet i was just looking at insurance and that to see what the best car would be to get but i have the bike for now

[Mej]

Originally Posted by chompy

parents 1.2 ford fiesta lx 1998 is £1700 so thats out the question, i havent passed test yet i was just looking at insurance and that to see what the best car would be to get but i have the bike for now

thats pretty bad mate, what about getting insured as a named driver on your mum or dads policy until you are 21, should cut it down a bit.

Originally Posted by J2UK

thats pretty bad mate, what about getting insured as a named driver on your mum or dads policy until you are 21, should cut it down a bit.

there insurance wont allow me to untill im 21 unfortunatly.

Shameless plug

That was my first car (used it to pass my test on last year). I'd still be driving it now if I wasn't insured on my brother's Ford Focus now.
Have a look at CIS (The Co-operative Insurance). They give you your own no claims even as a named driver. Fully comp for me last year as a named driver with my Mum as the main driver was ~£600 IIRC, and now I've got a year's no claims as well.
Direct line also give you NCB as a named driver, although I found them more expensive than CIS.

HTH

[Mej]

Originally Posted by chompy

there insurance wont allow me to untill im 21 unfortunatly.

thats a joke mate, i was insured on a 1.6 306 on my old mans insurnace at 17 it was about a grand FC, then i had a 2.4 litre 406 sri, which was about 1200 FC.

Why dont you get one of your parents to take out a new policy with a different insurer on your new car, and just add yourself as a named driver

Originally Posted by Viney

You could always look for a classic and get it on classic insurance. A mate has a Mk1 escort. He is 18 and pays less than £400 fully comp. He is limited to 5000 miles a year but it works and goes, and that on a 1600 engine, and its far more stylish than a Kia Pride or suchlike!

I think you also don't build NCB up on classic insurance though? May or may not change the decision but probably worth considering that aspect.

Some of these prices seem ridiculously high; my first car was an old E30 320i & that cost me £1200-1300 TPFT. I was 18, didn't get a car straight away - had about a year's experience at that point (driving my mum's car!).

I reckon...it's the type of car still. Ok it might be a 1.0 litre but it's a fiesta, boy racer special that - I would take a look at cars you really wouldn't want to be seen dead in - and check the insurance on those (obviously consider the engine size, etc, still).

The fiesta (and that sort of car) probably has a (statistical) reputation with insurance companies of undisclosed mods, when insured for young, new drivers.