What options does our young un' have?

[JazzJPH]

Now then!

Righto, it's our lad's 17th today (Monday) and he's not got many options for a motor.

I've found out that a 1.9D 306 is much cheaper to insure than a 1.0 Corsa. Obviously it's just the diesel, not a turbo. I love the 306 anyway so quite happy with that.

The best quote he can get with provisional license is around £1350, which is canny enough. However when he passes his test and gets the full UK license, it's £3800ish!

Now, that's just shocking. The best insurance quote he can get is £3800... How ridiculous is that?

Now that I've had a think, and can't work out what to do, my best opinion is for him to just learn and pass his test, then wait.

But £3800.... He may aswell just drive uninsured and pay a £1k bribe if he gets caught!!! Don't take me as serious, I wouldn't advise that..

Howay Night-Shift-Man (John) gimme something to read when I wake up

[jmkent]

Originally Posted by JazzJPH

Now, that's just shocking. The best insurance quote he can get is £3800... How ridiculous is that?

Seems thats the norm these days

[john_h]

haha you know me too well!

i noticed this aswell when i passed my test and i bet elmafudd might say a few words regarding his situation.

but anyways are you just looking at full comp or third party fire and theft or even just third party.

if i was in his shoes, id just take third party f&t as you wont get much in terms of a payout on an old (ish) car such as a 306 in a fully comp scenerio so it wouldnt be worth the money. I would also add a parent or someone who has loads of driving licence time and no claims as a named driver (clearly the yound lad as main...no fronting here ) this will drop it a little.

i would also play around saying the car is either parked on a driveway or street and see what is cheaper for you....if you have a driveway that is.

any driving licence add-ons are also good for discounts such as IAM (widely recognised) and Pass Plus... again they are a bit noddy and require investment to see a return.

i would also use the price comparison websites to see who the top 3 cheapest are. Ring them direct, cut the middle man out and save more still, and play them off one another. get chatting to the rep as a mate etc and you'll be amazed with what they offer.

for example, before i passed my test i was insured as main driver with provisional licence and was paying £150 (ish iirc) a month, fully comp and with my dad as named driver. when i passed i rang back the insurer to inform them of licence change and address change...they wanted £400 deposit and £300 a month! screw that and told them where they can go whistle...

so i rang my current insurer, they gave me a few years NCB to reduce my premium. (even after my crash they gave me 1 years NCB). a policy where postcode does not effect premium and all optional extras free and the guy had it on the National Insurance Database in 1 hour! so that i could go out and drive! i paid no deposit and did the 9 months of £130 and 3 months no payment. after my crash, in a bigger car im paying £200 a month. but will go down aslong as i stay good.

[Stubbo]

This is one thing thats always annoyed me

Considering having insurance is legally required why isnt there some type of government scheme in place to regulate prices?

[john_h]

well they seem to be looking at it...i mean like they have stopped the fact males and females pay different.

[Gibbo]

Originally Posted by JazzJPH

I've found out that a 1.9D 306 is much cheaper to insure than a 1.0 Corsa. Obviously it's just the diesel, not a turbo. I love the 306 anyway so quite happy with that.

It was the same for my brother when he was 19. It just goes to show that groupings are a joke. When I went from the group 6(?) 307 to the group 16 407 my insurance went down by 2p!

[JazzJPH]

Exactly gibbo. Insurance grouping is a load of tosh.

And John I think I'll give that a go. No harm in trying to haggle.

Another Q. Do I have to declare a non-fault claim on my quotes? Because I did and it put my premium up by £100 ish. And I find that unacceptable since I was the one that got mashed up and it wasn't my flipping fault

It's sick how the world ticks sometimes

[john_h]

unfortunately so...you wouldnt want to need a payout from insurance for them to deny since you lied on application etc. i bet if you say your point in a friendly way over the phone like chatting to them, they might discount that aswell

[Malcolmd]

One good thing about being a BOF. Just got my renewal quote through. £185 for the year, fully comp, guaranteed no claims..

Malcolm.

[jmkent]

Originally Posted by Gibbo

It was the same for my brother when he was 19. It just goes to show that groupings are a joke. When I went from the group 6(?) 307 to the group 16 407 my insurance went down by 2p!

Don't think the 407 is that high.... group 8 for the 1.6 and group 10 for the 2.0

407 has probably got a higher safety rating than the 307, hence reduced insurance