RSTdude

Hi im 18 ive not started my driving lessons or anything yet but getting quotes to like 9grand+ and thats with the box fitted who agrees that the should be a bit flexible with quotes?

lewis.philcox

it all depends what your trying to insure pal.

My colleague at work is 19 and not long passed his test. He bought a honda insight 1.3 hybrid thing and pays 700 fully comp to insure it.

Cheers

bagginsRSturbo

iTrader: (1)

Lewis is right it all depends what your trying to insure.
If it something sporty and powerful the of course it goin to be high, so try some with a smaller engine and not a sport model.
When I first passed my test years ago I had a 1.1 fiesta and the insurance on that was Ł1000

RSTdude

The quote I got was on a mk3 3door escort

Smudge374

From that the insurance company see a car which is notoriously easy to steal and a 3 door which is classed as more sporty.

Try going for something only your grandparents would drive for a couple of years first to get your no claims built up. I had a Renault 19 chamade as one of my first cars, not quick, not desirable and not flash, but it was wheels and better than walking. Save your money for a few years driving a shit box and then buy something nice in a few years!

CrOwSoN15

Welcome to the motoring world.

Best thing is to look at things people your age wouldn't want to be driving, so not the usual Clio's/Fiesta's etc. Think outside the box.

bigdel

Corsa 1.0 or 1.2 was the cheapest for my son at 17.
But 'cheap' is relative, it was still Ł2.5k TPFT after he passed his test.
Still, it does come down, he's 20 now and paying Ł1400 Fully Comp on a Mk1 Focus RS

Oranoco

Get something exceedingly untrendy like Daewoo Matiz, Fiat Sciecento or similar. Cars that aren't wanted by the kids pose less of a risk in the insurers eyes. Lots of youths want Corsas, Fiestas etc so as a result more get pranged.

Get your mum or dad added as a named driver as that can bring it down. Unfortunately crazy insurance premiums for the first couple of years is just how it is.

RSTdude

Yh true cause it would be a way to build my NCB aswell i just need to start driving soon

Madgit

Look at a Mini Cooper.
I am deadly serious, my niece has got one just turned 17. In her name but with parents as named drivers.
Just over a grand to insure, I couldn't believe it either!

Fiesta_Jed

Im 18 no ncb Ł750 for a standard mk2 fiesta 1.1, Ł850 for wheels and coilovers and Ł1020 for wheels, coilovers and full cage.

RSTdude

Wow thats good what insurance companies are you guys using

Carlos-Titx

Try some quotes on various sporty models or limited edition models. You'd be surprised that some are cheaper to insure.

Sounds daft but true.

DAN@ADRIAN FLUX

Hi,
When you're ready for insurance please feel free to drop me a line. I'll try my best to get you the best deal we can.
Regards,
Dan.

Carlos-Titx

Be careful with Flux. They got me a driving ban

fuzzy

and they cancelled a policy of mine claiming I was no longer a uk resident. apparently whats good enough for the inland revenue isn't good enough for Adrian flux....
then there was the time they fucked me about for several months in a no fault claim only paying me out after I involved the ombudsman even though the 3rd parties insurer admitted fault and paid them months before...

Carlos-Titx

A company worth going with then? Lol

They cocked up my payment details and didn't tell me my policy was cancelled. Got pulled and found to have no insurance.

Thanks Adrian Flux

fuzzy

id rather pay more and use someone else even if they were the cheapest....

Thrush

iTrader: (1)

Do tell....

Carlos-Titx

Paid them over the phone for the deposit. Same details for the direct debit.

Unfortunately I got stopped 6 weeks or so into the policy. Given a producer and rang flux to find out where my docs were only to be told they cancelled the policy as I didn't give the correct banking details (which were correct) and they didn't bother telling me.

Took out a policy there and then with another insurer. But I wasn't covered at time of getting the producer and the court wanted to know why, so of to court I go. Explained everything and was soon to deploy on tour with the army and needed my licence, pleaded guilty and got a ban of 7 days. Guessing the judge got mopped out that morning and she didn't like insurance companies either.

Not a long ban but still a ban on my record back then and increased premiums thanks to Flux.

Acidburn

they messed me around when I was trying to insure a car. I've heard nothing but bad things about flux.

Used to be with bell direct, they was brilliant and only reason after a few years I stopped using them was they just couldn't compete with other quotes I was getting.

Carlos-Titx

Stoneacre were fantastic for me when I used them. Very good prices on my ST.

RSTdude

One of my mates had a corsa d special edition but cant be that special cause theres thousands of them about but he paid about 1275 with his dad on it aswell

It's Czech Mate

You do realise Flux are just a broker not an insurer

So if you have had trouble with insurers you have taken through Flux then it's hardly Fkux's fault, they just advised you of the price, you were free to research their policy and service.

Martin Lewis website is good to see if people have struggled with various insurers

Psycho Warren

iTrader: (5)

Thats because a lot of older cars, the claims history in recent years is more relevant to premiums than the original insurance group.

Prime example, often Saxo VTS's are similar or cheaper to insure than the 1.1 shit boxes because back in the day, young lads couldnt afford the luke warm VTS so bought the shitter instead then modded and crashed the shitter ruining that models claims history.

fuzzy

when you phone up and go through all your personal circumstances and they then sell you a product apparently tailored to suit your needs you don't expect them to come back a few weeks later and then cancel it because of something you told them about on day 1. In my case i worked abroad for short spells. I worked for a uk company , had a bought house and address in the uk where my car was also kept and paid uk tax according to inland revenues uk resident rules but according to Adrian flux i was apparently no longer a uk resident....

Carlos-Titx

That's irrelevant when it's flux that has shafted people and not the actual insurer.

Carlos-Titx

Me and our lass were getting quotes before she could drive just to get an idea and the ST was the cheapest car we could find to insure. Next was the likes of Aston martins and lambo's . Also found that the newer the car the cheaper it was getting.

It's statistics made to work in thier favour, they can be manipulated to how ever you want.

RSTdude

but newer cars are dearer especially if your a student cause i was thinkin of the zetec s

Carlos-Titx

It's going to be a pain in the ass but write a list of possible cars and go quoting. Once you get the cheapest on line quote then go ring around as well.

It will always be cheaper ringing. Also ring the insurer from the comparison site as well as they usually beat the online price.

RSTdude

Il get on to it after college


Cheers

SteveB

iTrader: (3)

My daughter (17) passed last month and the cheapest I found was Ł1800 fully comp with 1 of those black box tracker things fitted on a 52 plate 1.0 Corsa.


Steve

fuzzy

when i phoned Adrian flux after an head on crash with a truck that was on the wrong side of the road coming over a hill, puting my wheel up through my dashboard and ended with my car on top of a fence i was told to sort myself out and get my own recovery arranged. I got more help from the truck drivers insurer who put me in touch with a recovery company. Same with the payout i chased them for months to get the payout even though the 3rd parties insurer had paid them just weeks after the accident..

Carlos-Titx

That's shocking fuzzy.

If rather pay a bit more than go with them again.

fuzzy

I don't doubt theyll have thousands off happy customers as well and any company will have a certain amount of bad feedback but my personal experience with them has been bad.

RSTdude

Dont blame you not using them for being the way they are

myoldfiesta

You say that but that is one or two peoples experiences.

Iv been using flux for the last 3 years. Got quoted 2500 for a standard mk5 zs, all declared I got it from flux for 1400 (at 19), I now have a mk1 frs insured with 4 years Ncb at just over 1200 tpft and a diesel jetta at 600 with mirrored ncb. Granted iv not had to claim, touch wood, but when iv phoned the flux rescue they've been with me within an hour and been very helpful,
Like I say though, theses people have had issues with claims going in

Carlos-Titx

Mine wasn't a claim and still got fucked.

I wouldn't go near them again.

myoldfiesta

Well that's fair enough given what happened but the point I was making is that they can't be that bad or they wouldn't be able to advertise on this site

Carlos-Titx

That doesn't matter at all mate. They pay, they get adverts. Same as a car dealership that operate illegally advertise
In here as well.