50 replies to this topic

[chrisdeakin]

Due to me bein 17 and unemployed my cheapest quote has been over 10 grand ... Not a happy bunny :,(

[konyo]

Due to me bein 17 and unemployed my cheapest quote has been over 10 grand ... Not a happy bunny :,(

10k?! Holy...
& I thought mine was bad

[conlad]

I can get 900 quid on a 998

[mike.]

Put you mum/dad on the policy as a named driver.

[AVV IT]

Due to me bein 17 and unemployed my cheapest quote has been over 10 grand ... Not a happy bunny :,(

That's excessive even with today's insane premiums for young drivers. Other 17 year olds seem to be able to get a classic mini on the road for under £2k, so what are you trying to insure exactly, and what insurers have you tried?

If you have no previous claims or convictions, have put parents on your policy as extra driver, and are trying to insure a standard 998 through a mainstream insurer, then you should be able to get it at a fraction of that cost. If however your trying to insure a heavily modified, high value model on a specialist agreed valuation policy, then such an excessive premium would make more sense.

Edited by AVV IT, 17 September 2012 - 11:00 AM.

[smudger068]

It does NOT pay to go on your own when your young at all !!
You spend atleast 4-5 years of building no claims, clean licence etc etc and the difference in the end is a few hundred quid, compared to the thousands you paid out over the years!!
Just depends if your parents trust you to keep clean until then!!

[Cerberus]

The unemployed bit will be putting it up alot, for my last renewal, unemployed added an extra £400 odd, ontop of a £400 premium.

So I'm learning from home (which I am doing, and which is what the insurance company recommended, very nice of them too).

[AVV IT]

I must have missed the unemployed bit, how anyone can afford to run a car at 17 these days is beyond me as it is, let alone whilst being unemployed!!

It's easily remedied though, get yourself a tambourine, find a good busking spot and the minute someone throws you some loose change you're suddenly a freelance musician instead!!

[chrisdeakin]

It's. 1275 , 1993 . Both parents driving over 20 years with no points or convictions , I don't have points or convictions, it's got no modifications. I've tried admiral, they said I can't be insured at all, called proformance direct , they diverted me to Adrian flux, if I was part of a club , for fire and theft it's over 10 grand . Who should I try ?

[SamMayfair1996]

A company called only young drivers, I go through them.

Also what could effect it is where you live (I havent looked at your profile to see) but more urban areas costs more, specially next to main roads, car not parked on a drive etc etc.

[M J W J]

Try direct line they have always managed to beat my renewal quote except for one year. Ring companies directly instead of using comparison sites. Have a look through the insurance section as there will be loads of tips on how to get cheaper insurance.

DO NOT insure yourself on your parents insurance. Insurance companies know about this. They are not stupid. A friends mum who works for NFU mutual said that the statistics for them investigating claims made by under 25 was about 98%.

Next time you ring up an insurance company and they give you a ridiculous quote point out to them that if you didn't bother with insurance you could pay the fines and replace the car. I did this once to an insurance company and they dropped there price by 2.5K. Their price was still over 3 grand though so I didn't bother with them.

You understand why there are so many people who don't bother with insurance when the prices are like this.

[chrisdeakin]

Thank you and I'm in a quite Village , well there is around 10 houses so hamlet and it's parked on a drive way

[SamMayfair1996]

Thats crazy then! Some companies try their luck I think, may be worth getting your parents on the phone so they can barter.

[AVV IT]

A lot of younger members here appear to be having luck with Elephant.co.uk recently. http://www.elephant.co.uk/

[Cooperman]

If you are 17 and unemployed you really do need to either be in work or full-time further education. At that age you can easily sign-up for a training course at a local college. Then you will genuinly be a trainee or student and that is what you can put on your insurance form. That's one problem solved.
Then contact Aviva who are good with young drivers.
Probably around £2500 for the first year TPF&T on an unmodified Mini with your Mother & Father on as additional drivers.