ontheway

right here is my situation
i have been lent a 2002 1.2 renault clio 16v and need to get insured
i'm a full time student
1 year motorcycle no claims
0 years car no claims
anything less than 2 grand i would be happy with. both my parents have 15+ years no claims but have cars insured in their own right so being a named driver on their car wouldn't really work.

any ideas?

matts1

Speak to the insurance firms and ask what you can do to reduce the policy - your manner on the phone (politeness and well spoken and decent use of the English language will make all the difference)

Things like:
Limited mileage say 5k per year (13 miles per day if used every day)
Insured between certain times ie not driven between 1am and 6am
Higher volentary excess
alarms
where it is parked at night

It may not make a huge difference but it may add up.

Also, adding parents to your policy can reduce the premieum as the driving and therefore risk is shared between a younger and older driver - you would remain the owner and main driver, they are just named.

The reason i mention your tone is that I know of a few lads that have struggled and they talk like deadheads 'yeah mate, fukin getting stupid quote yeah, aint payin 2k for fukin corsa' etc what is the person in the call centre going to think??

Polite, sensible attituted may help encourage the person in the call centre suggest some ways to reduce the policy.

Not going to be cheap, also consider selling the clio if not that low a group insurance for a lower grouoped car, ka etc.

Madbradz

When I started driving Tesco let me use my bike NCB

OrionHayden

would of been alrite if you had a mk1/2 fiesta 1.1 i got insured on mine for 850 quid a year ago when i was 17 with footman james! try elephant you being policy holder but should come down a bit with your mum and dad both named drivers

OrionHayden

also on cars like clios, saxos, corsas etc insurance companys will want more cos they think your a young boy racer! my mate paid 3 grand to insure a 1.0 micra!!

m4tt274

iTrader: (2)

i insured my mk1 for 950 a year when 17, now im looking to insure a saxo and elephant have been my best!
the car is kept in a garage, but when i said its kept on the drive my quote went down £350!!!! haha
best ive had is £1950, im 18 and the cars a 1.6VTR thats lowered 65mm on Borbets with some other mods etc, not to bad considering

OrionHayden

Think its cheaper incase your garage sets on fire or something. Why you getting a saxo anyway?! haha

m4tt274

iTrader: (2)

il tell you on facebook

LUCKO

brokers im at could help but what concerns me is that you borrowed the car?
do you want a year or something short term

ontheway

well something like 6 months, the car will be registered in my name though. which will mean i've got 3 vehicles in my name lol but i only need it untill i get my beast of an escort on the road :P

7sean7m7

Just make sure you say its kept somewhere private overnight, and a milage cap will help for sure, it will all add up the little things to make it cheaper. Get the escort on the road instead!

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Jonny

7sean7m7

How much roughly would you be able to quote a full time student 17 years old kept in garage mk3 escort 1.3?

RS Grant

iTrader: (1)

You can't do 'roughly' quotes on insurance... there are too many variables pal.


Cheers,
Grant

7sean7m7

Was just thinking of a ball mark figure thats all mate

stephenbatey

iTrader: (1)

I hate it when someone asks for a "rough price". It usually means " I've no intention of buying anything, I'm just a total messer".

RS Grant

iTrader: (1)

I understand that, but there is post code, mileage, NCB, type of use, convictions, accidents, named drivers, level of cover, etc etc which all contribute to a quote.. so it would be pretty difficult to even give you an accurate ball park figure I'd think.


Cheers,
Grant

phil_focus

for a 17-21 year old there are far bigger factors than insurance group ime. anything upto group 7 or 8 (before the system changed) is fine so long as its not your classic boy racer car that gets written off 10 a day! basically anything with a history of being written off by young drivers is going to be expensive!! for instance i found when i was younger that a 1.8 focus was cheaper to insure than a 1.1 saxo for me so the clio is not going to be the best for insurance i'm afraid!

ontheway

i think i'm just going to get my escort sorted and for the fella asking about mk3 1.3 insurance ^^ get onto footman james, i was quoted about a grand for a 1.3 but mine is no longer a 1.3...

Quotezone.co.uk

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Thanks,

Jonny

carls9941

Good luck with the insurance lads I no its hard at moment I see something in paper the other day 18yr old on a 1.2punto £5864

carls9941

Wat a joke