PDA

View Full Version : Question



Luke
26-03-2011, 12:19 PM
Right, coming up 17 in November, and not looking for anything special, but, what kinda prices am I looking at for a bog standard first car? I'm doing price checks on W reg Fiestas and ****,and it's coming up 4k to insure a £300 car |:

Can't be right?

What were peoples first cars and how much did it cost to insure?
Any suggestions?

No saxos please :P

Aidenn
26-03-2011, 03:40 PM
http://www.habboxforum.com/showthread.php?t=665461

Danzooo put that together a while ago and its basically the same now i believe.

Clio's are the best i think? but im not sure about the price.

Luke
26-03-2011, 04:23 PM
So, it'll be a crap load cheaper if I'm not the primary driver? Just added? I see :')

myke
26-03-2011, 04:25 PM
So, it'll be a crap load cheaper if I'm not the primary driver? Just added? I see :')

yeah which can also be illegal if you do it the wrong way and most times you can't gain no claims bonus sooo

you're better off finding the right combination to getting cheap insurance, for different people it's different

Luke
26-03-2011, 04:30 PM
but doesn't the premium go down alot more once you turn 18? so 1 year NCB wouldn't be that much of a miss..
i'm liking the look of a few Clios.. £500-800, Y regs, anyone any experience with prices? I know they won't be the same, but just a range kinda thing

myke
26-03-2011, 04:33 PM
No not really, it didnt change for me.

Saying it's a Y reg isnt a help :P Engine size will matter hugely, look for a 1.1/1.2 and trust me, 1 years NCB when you're younger means a lot.

Luke
26-03-2011, 04:41 PM
It's a 1.2 clio, 3 door :P i'm gonna do a price check, shall post back :')

---------- Post added 26-03-2011 at 04:53 PM ----------

http://i.imgur.com/MT8l0.png

Is that honestly all I can expect |:

myke
26-03-2011, 05:38 PM
Change excess to atleast 250, change it to 3rd party f+f too.

benjamin
26-03-2011, 05:47 PM
put excess as high as you can, and also - compare sites are ****. it's better to go to them direct, then there's no middle man.

i recommend direct line.

Luke
26-03-2011, 05:49 PM
Hmm, took it down to £5335, what should I put for "use", "millage" and is it ebtter if i'm a full-time student with/without a part time job?

And I'll phone some up sometime, was just looking at estimates ;p
I put excess to £500 and was no different

myke
26-03-2011, 06:27 PM
with a job is good, mileage depends, some companies prefer you to do more mileage as it's more experience, some prefer you to do less. try looking at insurance companies that track your usage too such as co op ... they're ten times cheaper

danzooo
27-03-2011, 11:58 AM
the latest fast car magazine says that trying to insure yourself on the oldest, cheapest car possible isn't the right thing to do, but neither is trying on a brand new car, best thing to do is to find the right balance. so if i were you, maybe look at cars maybe 03/04?

ihatehash
28-03-2011, 09:47 AM
My car is on the same insurance group as my parents and it is only 200 pounds per year, but it might be different here.

Metric1
28-03-2011, 01:42 PM
how do you afford that? that's probably more than the car is worth???

my dad put me on his ex-girlfriends policy and added my car, the policy is 600 pounds a year for full coverage including fire, theft and flood.

you guys are getting RAPED.

danzooo
28-03-2011, 09:47 PM
you guys are getting RAPED.

And don't we feckin know it. I'm paying £1400 a year for a 100bhp 1.2 turbo clio, whereas at the other end of the scale, my dad pays something like £200 a year for his 180bhp, 1.4 turbocharged and supercharged Ibiza hot hatch...

Technologic
31-03-2011, 04:27 PM
go with admiral, cut £2000 off my insurance

myke
01-04-2011, 03:21 PM
our insurance companies aren't actually making profit though lol between 08 - 09 and 09 - 10 they actually had a loss so that's why prices are so high too.

Recursion
05-04-2011, 08:14 PM
I'm not sure of the specifics, my parents pay for my insurance and bought my car, but it's very low for me on my '08 Pug 107 5 door with Quinn Insurance. Not exactly a sporty or good looking car, but it's VERY low tax, low fuel consumption, best for the city etc but will still pull 70mph on dual carriageways.

Johno
12-04-2011, 03:12 PM
I'm not sure of the specifics, my parents pay for my insurance and bought my car, but it's very low for me on my '08 Pug 107 5 door with Quinn Insurance. Not exactly a sporty or good looking car, but it's VERY low tax, low fuel consumption, best for the city etc but will still pull 70mph on dual carriageways.

Do you have your full license? A few of my friends were with Quinn and got their insurance pretty cheap whilst they were learning but when they passed, their premiums jumped straight up.

Triz
12-04-2011, 08:48 PM
I'm 19, I passed my driving test 6 months ago now. I know it's late, but I did it with the Army, so it was free! New driver, 0 NCD etc.. I should be paying around about £2,700-3,000 for my insurance, but I am only paying £1,190 because I learned to drive with the Army, it's a huge discount due to the fact that I claimed I would be on tour for half of the year, which I was scheduled for but things change aye? - Plus the fact that I've taken a defensive driving course which also knocked a good chunk off my insurance.

Want to hide these adverts? Register an account for free!