Insurance is way to high for me
02-05-2005, 18:46
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#1
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Inactive
Join Date: Nov 2004
Posts: 7,737
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Insurance is way to high for me
Hiya all
I am soon to finally get my driving license, I fancy buying my own car to take through this or have outside as for when I pass my test, I will insure it once I am through.
I have been with the instructor in 2003 sadly due to a problem my taking of my driving test was put off for 2years due to illness, now I plan on getting it all done again.
I fancy a Peugeot 1.1 106 Independance, I saw today for 3500. MJ52 AHC was its plate.
However I find even if I run insurance on a full uk license, My quotes are massivly over 1800 quid!! this is just plain stupid.
Is there some magic car you guys buy which has super low insurance, as I do not wish to start my driving time in a shed just to afford insurance?
Some help and advice here please 
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02-05-2005, 18:57
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#2
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Dr Pepper Addict
Cable Forum Team
Join Date: Oct 2003
Location: Nottingham
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Re: Insurance is way to high for me
Who has quoted you that  - have you tried some of the online quotes ?
Talking of quotes, you might want to check the one in your sig 
__________________
 Baby, I was born this way.
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02-05-2005, 19:00
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#3
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Inactive
Join Date: Feb 2004
Location: There's no place like 127.0.0.1
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Re: Insurance is way to high for me
Have a look at http://elephant.co.uk (not sure if they have a website or not ).
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02-05-2005, 19:02
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#4
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cf.mega poster
Join Date: Nov 2003
Location: Reading
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Re: Insurance is way to high for me
I found Tesco were cheapest when i first passed- but i was still paying £1100 on a G reg 1.0l metro....
Have you thought about doing pass plus? many insurance companies will give you between 5 and 30% off in your first year if you have.
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02-05-2005, 19:05
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#5
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Inactive
Join Date: Nov 2004
Posts: 7,737
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Re: Insurance is way to high for me
I am thinking seriously about doing pass plus I plan on passing with a school called Gemini which uses Rover 45 Si's.
( and whats wrong with my sig ) 
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Quote:
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Originally Posted by Paul M
Who has quoted you that - have you tried some of the online quotes ?
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I tried.
www.confused.com
and
www.admiral.co.uk
and
www.norwichunion.co.ulk
Because I am disabled and the car is on a street ( no driveway till about August ) I think its bumping the costs up big time.
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02-05-2005, 19:06
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#6
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Inactive
Join Date: Feb 2004
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Re: Insurance is way to high for me
Shouldn't it be "Not Noddy, Nobby"?
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02-05-2005, 19:06
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#7
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Cable Forum Team
Join Date: Jun 2003
Posts: 15,118
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Re: Insurance is way to high for me
The sad fact of the matter is that this is not surprising at all. I think you will be extremely lucky for someone of your age and only just obtaining a full UK driving license to get a quote from anywhere cheaper than £1000, assuming it is fully comprehensive insurance you are after.
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02-05-2005, 19:09
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#8
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Inactive
Join Date: Nov 2004
Posts: 7,737
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Re: Insurance is way to high for me
It is yes and I fancied the 1.1 Pug 106 but looks like I will have to go with something older. Can see me ending up with my mums old Pug 309 GLD.
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02-05-2005, 19:16
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#9
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Inactive
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Re: Insurance is way to high for me
try www.adrianflux.co.uk . they are a broker hat specialise in various special areas.... supposedly fairly cheap for young drivers, performance drivers and barry-drivers... 
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02-05-2005, 19:20
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#10
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Permanently Banned
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Re: Insurance is way to high for me
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02-05-2005, 19:28
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#11
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Guest
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Re: Insurance is way to high for me
Quote:
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Originally Posted by AndrewJames
I am thinking seriously about doing pass plus...
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I think that's a good idea. For one it covers stuff the normal lessons/test don't cover, and some insurance companies will also give a discount if you've got it.
Quote:
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Originally Posted by AndrewJames
Because I am disabled...
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I hope they wouldn't discriminate.
Anyway, I get my insurance from http://www.cis.co.uk and they've always been very good on price AND (possibly equally important) very good when it came to handling a claim.
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02-05-2005, 19:31
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#12
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Inactive
Join Date: Oct 2004
Location: Nottingham
Posts: 1,405
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Re: Insurance is way to high for me
for your first car, it's probably not worth spending £3500, simply because of the insurance. aim to spend a lot less, and then it makes sense to only get 3PF&T as well...
i pay £600 for a car valued at £1000, im 23, no no claims...
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02-05-2005, 19:32
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#13
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Guest
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Re: Insurance is way to high for me
OK, I didn't tell you this but. Buy, now, an old heap - the cheapest you can find that's street legal.Tax it, park it up, leave it, accumulate no claims........
Not sure why disability should bump your premium. Age, experience, claims record, vehicle and postcode are pretty much the key factors. No claims makes a sig difference.
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02-05-2005, 19:37
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#14
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Guest
Location: Midlands
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Re: Insurance is way to high for me
Quote:
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Originally Posted by andyl
OK, I didn't tell you this but. Buy, now, an old heap - the cheapest you can find that's street legal.Tax it, park it up, leave it, accumulate no claims........
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Avoid the cost of road tax - simply declare it SORN and take it off the road  - even LESS likely to get hit.
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02-05-2005, 19:38
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#15
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cf.mega poster
Join Date: Jun 2003
Posts: 4,223
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Re: Insurance is way to high for me
If possible put a parent on the policy as a named driver - my daughter put me on hers and the price dropped by about £200 (apparently it lessens their risk or something!)
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