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Thread: HELP! cars in general insurance and bollocks!

  
  1. #1
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    HELP! cars in general insurance and bollocks!

    Here is my dilema my little brother is 18 and is doing his driving test next week and we are looking at cars!
    He has £1500 to buy a car and put his deposit down on his insurance

    INSURANCE!

    Under my dads name being as honest as nessacery this is what we have found all 3rd party fully comp is a joke and on his own is even worse!!!!

    Citroen saxo 1.1 forte £2500
    daewoo matiz 800cc £1800
    fiat cinquento £1800
    Mini cooper 1.1 £1300
    lada viva £1200
    Volvo v70 estate turbo diesel 2000cc £1000 (omfg!!!!)

    BUT when you look at the prices add about £200 extra to pay monthly! its a joke and its expensive!

    and so on we tried all sort of funny cars and the usual corsas micras novas fiestas BUT there stupid money.

    Is there anyone out there who can suggest sensible cars for insurance and companies.
    were using go-compare and money supermarket.
    struggling really as my brothers close to passing his test.
    http://i441.photobucket.com/albums/q...9082011342.jpg
    Quote Originally Posted by low3sy View Post
    that is the damage caused by something big and black smashing a ginger pussy

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    b road blaster's Avatar
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    when my daughter passed her test we had the same prob mate all a rip off
    the way we looked for cars was by ins group so do a google search mate
    this is group 1 cars http://www.carpages.co.uk/car-insura...-group-1-1.asp
    on a back road somwhere playing

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    Bradwebb's Avatar
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    its not always the lowest insurance group that is best, all depends on statistics for the age group on that car plus the accdient rates

    My first car at 17 was a ford escort 1.6 and was £1550, unsual car for my age at that time

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    Also see if you can get a multi car policy so your all linked i found this alot cheaper

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    try him having his own policy and adding an experienced driver on it like your dad. that can knock some cash off. I feel sorry for any young driver passing there test nowdays as insurance companys really make them pay over the odds.
    An insurance women once told me that young drivers always pay high premiums as there much more likely to drive around with 3 or 4 of there mates in the car then say a 30 or 40 year old would. So with that in mind and them being less experienced at driving then they are more likey to have a crash and if they crash with 4 mates in the car then thats 4 potenial person injury claims resulting in a much higher risk group.

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    its probably more expensive doing it under your dads name because ins companies are catching on and fronted policies are rated higher than if it was in your brothers name. As well as that being the proper way to doing it. And as mentioned small cars can be worse as get crashed more because more younger drives them only.

    And it will always be a lot more paying monthly as it essentialy a credit agreement

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    thats a good idea. I'l try that and see. yeh i spoke to a chap on the phone and he said that certain cars i.e. novas corsas are highly MODABLE and some people dont declare!! which effects the rest of s to who maybe are sensible.
    Its all pretty bad tbh.
    http://i441.photobucket.com/albums/q...9082011342.jpg
    Quote Originally Posted by low3sy View Post
    that is the damage caused by something big and black smashing a ginger pussy

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    oooooo guys just tried my brother as first driver with dad as the second driver.
    add about £700 to every quote!!
    OUCH!
    http://i441.photobucket.com/albums/q...9082011342.jpg
    Quote Originally Posted by low3sy View Post
    that is the damage caused by something big and black smashing a ginger pussy

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    Adding my dad as a second driver on my policy made it 400 quid cheaper?

    I got mine through vaux tho.

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    As a new driver I'm pretty certain it will always be cheaper to be a second driver on an older person/more experienced driver's policy. Literally any vehicle for the first year or two for a new (MALE) driver will easily be a 4 figure sum with regards to insurance premiums. It is outrageous.

    My first car was a 1.6 Astra G with my Mum as the official owner and policy holder for the car and me as a second driver - otherwise now known as fronting and seriously frowned upon, but at the time it was the only feasible way (financially) for me to drive. It was still about 1100 quid for the first year!

    What are you intending 1500 to cover? Car and insurance for the year? Or just car and first month of insurance?

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