right in the next 3 months i will be 17, and i have been doing some imaginary quotes, to have a rough guide of what insurance prices will be. The cheapest I have found so far is around 1800 for a 1.25 fiesta worth around 1800 quid third party fire and theft. Does anyone know anywhere that will be cheaper? The quote above is from confused.com. compare the market and beat that quote are way higher, and direct line are around the same price as the the best quote from confused.

Also, i dont think i will be going with this company for insurance


look carfully towards the bottom

 

SSHHHIIITTT ........and i thought my Ł5k on my Cossie was bad lol



i actually paid it though

 

and then they wonder why us younguns drive with no insurance

 

Yeah, i did 3000 for a 328i sport.........and i though that was bad.......................right up until i got a quote for my fireblade.....old fkd blade only worth 1500 quid................take a guess......................









10k !!!!!!! Couldnt believe it.........honestly thought the guy was joking and that was from honda insurance..............................

 

insurance means fuck all nowadays. biggest rip off market there is. isn't worth the paper its printed on. even on a Ł200 1.0 litre banger you pick up from the scrap heap will still be costing you near enough Ł1000 to insure

 

My younger brother passed his test last year, he's 18 and has a 1.3 fiesta, he was getting quotes aroung the Ł2k mark, so he had to get my mam to insure it and go as a named driver, still costing him Ł1100.

 

FUCKING EXTORTION

How do you expect young drivers to build up ncb if they keep getting fucking ripped apart by insurance companies and people like me that do a full time uni course how the fuck do they expect us to pay that fucking amount when you're a student!

sorry just going through some of my own insurance woes at the moment and just having a bit of a rant at car insurance.

 

problem is they are clamping down on that now, so if you have a bump going to college/work, the insurance will turn around and say that you are using the car daily when you are not the main driver, and will cancel the policy

 

the idea is that you cant build up a no laim bonus.. thus geting ripped off for that extra couple years.

 

i understand that prices should be higher for youg drivers, but 2 grand a year for 1.25 zetec fiesta, or a 1.2 corsa or similar? Its ridiculous. I dont even earn that a year!

 

my brother must be very lucky as it only cost him Ł1200 to insure my old escort gti, though hes 24 but only just passed his test!

 

totally agree, insurance is too expensive for the service that is provided! cost me nearly 2 k for my rst at 18! try bell though mate as their the cheapest that i found.

 

As expensive as it all sounds, statistics show that people under 25 are accountable for about half of all casualties and fatalities in RTAs. Someone else can google them, I don't have time and can't be arsed but it shows up every year on the government website and in the local newspapers after just about every accident...

It's not great and we've all been spanked for the high premiums but it's life. And put yourself in the insurer's shoes.... if it was my money, I wouldn't insure a 17 year old bloke for ANY price.

Doesn't help your original question though.

What I suggest to customers buying cars for their kids is to insure it themselves [some insurers WILL recognise named drivers and give some NCB] or contact Norwich Union and get one of these black box, pay as you drive things for a year.

 

thing is i wouldnt have one of those black box things on principal. No chance are they monitoring where i am at what time, too much intrusion

 

when i was 17 (4 years ago) i was actually paying Ł2800 a year for my rot box xr2i ! it worked out at Ł242 a month ! with admin fees :@

 

bell wanted 3.5k!!!

 

Flux nailed me with that when I was 18, got black listed.

 

Out of what principal? The stubborn one that's going to cost you Ł1500+ in insurance?? [or cost your parents as you already said that you don't earn that a year].

Principals are for people that can afford them!

Either way, 1st insurance IS expensive but it's not forever

 

its more to do with i really would not like the idea of NU knowing my every move.

 

Then what the fuck is the point of getting a drivers licence if that's going to be the attitude of the insurer! Might as well raise the driving age to 25 or whatever seems acceptable. But the fact is whether you be 17 or 27 you are still a newly qualified driver with no previous driving experience.

 

LMAO bell quoted 4k third party on my capri! without mods

 

There is a reason youngsters insurance is expensive. It's to stop them buying cars that are too powerful when they have no driving skill or experience. The ones that do afford to insure them often smash them up.

My daughters quotes were stupid, but Ł600ish a year for a Ka or Micra is the norm.

Work your way up to the more powerful cars with experience. Best for everyone.

 

a fiesta isnt exactly a supercar though is it really, yet they want an absolute bomb for it!

 

I paid Ł980 at 17 for a 1.25 fiesta...so I doubt you'll get it under Ł1200-1300 being a bloke sadly...that first year was with ladybird insurance (it was cheap, I didn't pick the name lol)....who do a different insurance trading names for men/older drivers...they might be cheap? They were mid table on confused.com for me but managed to knock it down on the phone.

What I found out (that you may or may not know) is that fiesta zetecs are group 6 insurance (1.6 zetec s for example is only group 8 iirc?)....so you might be able to get something a bit quicker for Ł200 more premiumwise...which may make it less bad!

Fiestas, for what they are...are quite high up the groups really for how crappy they are...considering kas etc are really low groups.

Having the insurance in your name but a woman over 35 on the policy is sometimes a good way to knock it down...so adding your mum to your policy may be a way to get a few quid off if upping your excess/keeping it alarmed in a garage/having an agreed mileage that's so low you can't drive the car doesn't help!

 

what they should do really is limit the brake horsepower of a car for the first year (eg 90bhp, as that then allows drivers to have anything up to around a 1.4), then after a year of driving, they can have a car up to 120 brake, and then after that no limit. That would be suitable. As its the same/similar with bikes. At 16 you can have a 50cc restricted to 30 (yet non are as its dangerously slow), then after a year of motorcycle experience/or get a car license, you can have a 125 upto 14 horsepower (not sure on exact bhp limits mind you).

 

reducemyquote.com said they could insure a zetec s for me for a grand, but they seem to hav realised it was an admin error/too cheap and now the cheapest is 2500

 

Have you tried adding your mum to the policy and upping your voluntary excess a bit? I think for males especially adding an older woman is worth a shot!

To be honest they shoot themselves in the foot with insurance...because they make cars uninsurable to young people, by that I mean shit cars...not even decent ones....more people are going to drive without insurance/being listed on their mums policy...pushing the premiums up.

 

A 1.4 fiesta may be a bag of bones, but it's all down to insurance groups of course. Find something 3 or under for your 1st year i'd say or else you'll be paying thousands..

 

you'd still pay thousands anyway. a friend of mine was paying 2000 a year to insure a fiat cinq (grp1) and this was a few years ago! (was fully comp though, but would still be a grand if it were third party i reckon)

 

It depends on where you live as well of course. if your in a high risk area, there's little you can do unfortunately.

Look here:
http://www.carinsuranceexplained.com...tcode_risk.htm

Luckily I'm in a "B" zone, so it's not too bad.

 

D Zone

 

B zone for me

 

just trying to help pal!

 

I know you have probebly made your mind up on buying a ford , but have you thought about another make of car , i remember year's back when my husband and myself had a 1.3 mk3 escort and we sold it to get a pug 405 1.6 and the insurance went down , also what about a diesal ?? i have heard that there cheaper to insure , i know you may not want either but if it will get you cheaper insurance just to build a year or two's no claims , try trying different car's and see what comes back aswell

 

werent having a go at you i was just shocked at how much they wanted. It started off at 5 something but managed to get it down to that by making it 3rd party only.

 

the only other company that i could get insurance with was ecarinsurance.co.uk but not sure if they will cover you at 17. have a go mate!

 

i know ecar were competitive a year or so ago, but had forgotten about them so will have a look now. cheers

 

ecar want more for third party only that third party fire and theft

 

you cant get a quote online..its a load of bollox..

i got a quote for 1800 on a 1.3 mk4 bonus on the net 3rd party, i rang up and it was 1200 full comp, saved 600 for a phone call...

just get the yellow pages out and ring around..

 

oo ok then cheers for that