Cheap car insurance for a new driver.

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harryw

Active Member
I can't find cheap insurance for a kia picanto zap, i've just started driving on my provisonal and my dads girlfriend has offered to insure me on her car for social things, but even the compare car insurance sites are throwing up 3k+ deals, we're looking in advance for when i pass my test (i'm aiming around june time when i turn 18) but 3k is ridiculous :S does anyone know any decent websites?
 
Glam

Glam

Mad Cat Woman
It will cost you a fortune till yr around 25 i'm afraid. When no2 son was 17,he bought himself a VW Golf,cost him £500. Just to learn etc in,either me or his dad sat by side of him. He paid £2k to insure that car,bloke in the insurance place said it was cos of his age.
 
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harryw

Active Member
(I just realised i put this in the wrong section, sorry admin)
I just find it sad how everything is generalised, i am a carefull, considerate driver, yet feel that i am shoved into the 'boy racer' category that scamming car insurance companies seem to impose on the 17-21 year old male driver category, because of statistics, i mean,i could understand 3k if i was in a gold, or a corsa, or a saxo, but this is a kia lol
 
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dangerousdave

Well-Known Forumite
unfortunately the insurance companies argue that you have little experience and as a result are more likely to be involved in an accident. does the pass plus still exist?
 
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harryw

Active Member
dangerousdave said:
unfortunately the insurance companies argue that you have little experience and as a result are more likely to be involved in an accident. does the pass plus still exist?
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It does, but apparently doesn't really make much of an impact, i know only 1/2 the insurance websites i went on would let you tick a box saying you had it.
 
flossietoo

flossietoo

Well-Known Forumite
You might be able to trim around 1,000 off the cost of insurance in your first year by going with i-Kube. They fit a box in your car which register if you drive between 11pm and 5am. You can still drive at night if it is an emergency but you would have to pay around £50 each time. So basically, you don't drive at night. You can cut a bit more by adding a named driver who is older and has a good driving record - like a parent. My stepson went with I:kube last year. It was a bit of a pain but it saved him a lot of money and allowed him to build up a year's NCB. Another option, if you are handy at car maintenance, is to buy a classic car and look for specialist classic car insurance (some won't accept young drivers) especially if you can limit the mileage in your first year. That was one reason why I drove Morris Minors for the majority of my driving career. Good luck!
 
grumpystaffordguy

grumpystaffordguy

Well-Known Forumite
When the VW Up! goes on sale VW are planning an all in one monthly payment including insurance for any age. Think they are aiming for £200 a month all in. Whether they manage it or not I dunno, but they are aiming to undercut the Peugeot "just add fuel" deal and allow teenagers. You never know, by the time you have passed your test the deal may be on. Worthwhile checking the VW website and google etc.
 
Lucy

Lucy

Well-Known Forumite
And therein lies your problem. If a more sensible sized engine car was bought, without the BMW badge, then no doubt you'd get reasonable insurance. What happened to starting off with a 1 litre car to build up no claims.
 
Miss Red

Miss Red

Well-Known Forumite
Try Co op Eco insurance - i had a low engine micra which used to cost me £250 yr.......when time come to renew last year it was £290. Ive swopped car now to a 1.7 ford, unfortunateley co op eco wont insure it as the engine size too high, so i had to go with halifax at £690.
 
citricsquid

citricsquid

Well-Known Forumite
Lucy said:
And therein lies your problem. If a more sensible sized engine car was bought, without the BMW badge, then no doubt you'd get reasonable insurance. What happened to starting off with a 1 litre car to build up no claims.
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oh I know it's silly and that's why, it's just disappointing :-p
 
That-Crazy-Rat-Lady

That-Crazy-Rat-Lady

Well-Known Forumite
Have you tried using your mum/dad as the main driver and then you as a named driver, the other half did this for the first couple of years, if you go with Admiral you can earn your own no claims and them when you choose to go independently you get it a lot cheaper with the no claims x
 
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harryw

Active Member
That-Crazy-Rat-Lady said:
Have you tried using your mum/dad as the main driver and then you as a named driver, the other half did this for the first couple of years, if you go with Admiral you can earn your own no claims and them when you choose to go independently you get it a lot cheaper with the no claims x
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I've done that, think we've found a good deal though, the co-op one that was posted further up offered me £800 a year :D
 
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