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Cheapest insurance company for 1st time drivers?

PB Forum :: United Kingdom
Cheapest insurance company for 1st time drivers?
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flag Trailboss-Dan
Posted: Dec 15, 2008 at 13:13 Quote
Yeh the old ones are cool, my brothers been working on a mk1 golf its so nice.
flag hillman-hunter
Posted: Dec 15, 2008 at 13:18 Quote
jesus some people are so dense, who gives a flying f#ck about no claims bonus when your saving £1500 a year on your insurance?, even tho' some companies DO allow you to transfer no claims over, it is perfectly legal to drive on your parents insurance and easily the cheapest way of keeping prices down, 12 years of driving and using insurance companies means i don't need to some kid who's granny once slept with an insurance salesman behind the bike sheds at school when she was 14 to tell me sh#t about what's right and wrong.
flag
Posted: Dec 15, 2008 at 13:18 Quote
Trailboss-Dan wrote:
Yeh the old ones are cool, my brothers been working on a mk1 golf its so nice.

Oh ryt, awesome, give me a shout if he needs any parts. My mums bf has a few of the mk1's, so has parts for them!
flag hillman-hunter
Posted: Dec 15, 2008 at 13:22 Quote
Mtbdean wrote:
as i said somewhere above. i passed my test on the 2nd of december and i crashed my car on the 11th december. wasnt my fault, never the less.

I was planning on getting something more posh, but im glad i didnt

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2791121

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Description: Hit a Ford Escort in the side. I was pulling out a juction at the brow of the hill, going up the hill was 60mph but at the top it was 30mph, i looked and pulled out. Managed to push bonnet over to damage other side

how exactly is this not your fault?? if you pull out into the side of someone else, then you obviously didn't give way, hence your fault Cop
flag Mtbdean
Posted: Dec 15, 2008 at 13:24 Quote
nah. he was speeding. and every witness said his lights wernt on properly, only the sidelights
flag tom-harrison
Posted: Dec 15, 2008 at 13:28 Quote
all this talk of insuring a car in your parents name with you as an additional driver. has anyone actually done this? adding a new driver will usually double or triple the price of a policy with just your parents on.
flag Mtbdean
Posted: Dec 15, 2008 at 13:32 Quote
I payed to get my own insurance with Quinn Direct. Cost me 995 on a provisional
I passed my test and phoned them up and i had to pay an extra £750.

I had my Mum, Dad and my Nan on there. You generally save up to 10%each with additional driver. So generally i got 30% off.

This is a general %
flag ginj
Posted: Dec 15, 2008 at 13:32 Quote
tom-harrison wrote:
all this talk of insuring a car in your parents name with you as an additional driver. has anyone actually done this? adding a new driver will usually double or triple the price of a policy with just your parents on.

my brother did
it was no extra cost to the first driver
flag hillman-hunter
Posted: Dec 15, 2008 at 13:35 Quote
tom-harrison wrote:
all this talk of insuring a car in your parents name with you as an additional driver. has anyone actually done this? adding a new driver will usually double or triple the price of a policy with just your parents on.

not personally, some of my mates did when i was younger. If you think your parents insurance is probs only £300, if they are the main policy holder and you are just a named driver there is no way to cap how many miles each person is insured for, it is just presumed that you will have more respect for the car as it's not yours and that you will not be using it regularly, ffs i can get my wife added on mine as a learner for £50.
flag tom-harrison
Posted: Dec 15, 2008 at 14:03 Quote
i was going to buy a subaru legacy turbo estate and insure it my my mothers name. a quote for just her was £375 and with me as an additional driver it was £1400
i bought a transit and insured it in my dads name. for just him it was around £400 and with me on as additional it was £950.
my girlfriend wanted to put me on her insurance for a golf tdi but it would have been an extra £300.
there's 3 examples of prices going through the roof when adding a driver under 25 years old (with a clean licence) so i don't know how other people are getting away with it. i'm 26 now and prices are a lot more reasonable but there's no way around getting totally hammered when you're young.
flag alonso92
Posted: Feb 10, 2009 at 14:56 Quote
huckoveraduck wrote:
Im 17 years old and have been driving with a full UK License since May 2007.

When I was learning to drive between Febuary and May; I was insured on my dads van, so that I could drive to biking spots, and to work and whatnot incase my dad was tired or got nailed and we could still get back. Plus it was great practise and good fun.

Our van is a 2.4 litre Ford Transit - and it cost us about £50 a month for this insurance.

The policy was with an internet insurance company that specialised in insuring [I]only provisional drivers. As soon as you pass your driving test your the insurance policy becomes void. But its cheap as hell so its worth it.

Here it is - www.clickthepepper.com

Now I've passed my test im insured with my daddy on some website called www.zurichinsurance.com

Even with Pass plus - it has gone upto £900 for the year. So thats £75 a month. And thats the cheapest anywhere, anytime.

Not too bad for a 17yr old boy with a 2.4 litre. I know some peeps who pay over 2 grand for a 1.4 litre Renault Clio.

fools!



But if your a provisional driver, you have to be with someone who has been driving 5 years or more dont you?
flag almostwise
Mod
Posted: Feb 10, 2009 at 17:00 Quote
JamesDavid wrote:
But if your a provisional driver, you have to be with someone who has been driving 5 years or more dont you?
Precisely why it's cheaper...you're only driving under supervision and clocking very low mileage so your risk factor is much lower than a new driver.
flag gregrobertson
Posted: Feb 15, 2009 at 3:28 Quote
tom-harrison wrote:
i was going to buy a subaru legacy turbo estate and insure it my my mothers name. a quote for just her was £375 and with me as an additional driver it was £1400
i bought a transit and insured it in my dads name. for just him it was around £400 and with me on as additional it was £950.
my girlfriend wanted to put me on her insurance for a golf tdi but it would have been an extra £300.
there's 3 examples of prices going through the roof when adding a driver under 25 years old (with a clean licence) so i don't know how other people are getting away with it. i'm 26 now and prices are a lot more reasonable but there's no way around getting totally hammered when you're young.

that might have something to do with them being turbo's or vans.

if your not the named driver and you drive the car more than 50% of the time then insurance companies are very unlikely to pay out if you have a crash. happened to a friend...not good.
flag mistercrabb
Posted: Feb 15, 2009 at 7:42 Quote
Well, I passed my test in December and my £800 a year went up to £1400 on a 1.1L VW Polo Fox (lol).
Oh well.
flag huckoveraduck
Posted: Feb 15, 2009 at 8:38 Quote
gregrobertson wrote:
tom-harrison wrote:
i was going to buy a subaru legacy turbo estate and insure it my my mothers name. a quote for just her was £375 and with me as an additional driver it was £1400
i bought a transit and insured it in my dads name. for just him it was around £400 and with me on as additional it was £950.
my girlfriend wanted to put me on her insurance for a golf tdi but it would have been an extra £300.
there's 3 examples of prices going through the roof when adding a driver under 25 years old (with a clean licence) so i don't know how other people are getting away with it. i'm 26 now and prices are a lot more reasonable but there's no way around getting totally hammered when you're young.

that might have something to do with them being turbo's or vans.

if your not the named driver and you drive the car more than 50% of the time then insurance companies are very unlikely to pay out if you have a crash. happened to a friend...not good.

How do they find out? Seeing as theres not any possible way to find out who drives it most of the time other than a 24/7 CCTV; your friend either ticked the wrong boxes or said the wrong thing.

Im 17, drive a 2.4L Turbo Diesel van. My dads the main driver and im the additional. The insurance is £900 fully comp. I drive it most of the time, my dads on the policy to lower the insurance and drive it occasionally.

 


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