57 replies to this topic

[Noah]

It's looking about 3K for me, but I knew it would be that much. With the mods declared. 

But, the provisional insurance for me is only £800, which is £70 a month. That was on Compare the Meerkat. 

[JimminyBob]

When I was 17 I paid £750 for provisional insurance and then an extra £1000 when I passed, bringing my first year to a total of £1750. That was with Insure2Drive through Confused.com, I didn't bother declaring any modifications though.

[Samwise777]

So to summarise is Andrews RAC quote been the cheapest? I have previously used RAC and found them to be very good so might see what they can give me. OnlyYoungDrivers might be worth looking into!

[its_courts28]

So to summarise is Andrews RAC quote been the cheapest? I have previously used RAC and found them to be very good so might see what they can give me. OnlyYoungDrivers might be worth looking into!

RAC was £4700 for me, same for onlyyoungdrivers

[M1N1 C00P3R]

I'm 18 and aviva are quoting me 1100, thats the lowest i'v go so far 

Edited by M1N1 C00P3R, 25 June 2013 - 09:54 PM.

[its_courts28]

Just got a quote standard with churchill for £1600, if I put a different exhaust on it shot up to £4100

[skaterava]

Shopping around is absolutely crucial as a first-time driver, when I passed I was initially quoted £1900 for my 998cc, which was, aside from a £100 sound system and some 5x12 Minilites, standard. I eventually found a fully comp policy for £1100 with Direct Line, having called around quite a bit. I think finding quotes for less than £1000 is extremely difficult, if not impossible. Best bet is to endure driving around in something as slow and plain as a milkfloat for a few years, or just don't drive until you're 20/21. It stinks being a young driver.

[its_courts28]

If I was to put alloys, centre exhaust and sports pack arches who would be the best to go to? I'm looking at anything under 2k. Adrian flux?

[Mia998]

£1400 with Churchill - no mods though

[Captain Mainwaring]

Occasionally I'd like to be 17 again,but not after reading this.

Last time I was insured in the UK (3 years back) I was paying £280 a year fully comp for a 150hp Merc 203 diesel with 100 quid excessive and wife as named driver.

The numbers I read above are madness - are they trying to encourage people to lie or drive without insurance?

 

To the guy who thinks he may get away without declaring mods - don't, you may get away with it, or you may get caught - if you get caught they'll void the policy from inception and you won't get motor insurance until you are 70 after that......

How anyone would consider modifications with those sort of numbers on the table....wow......

[Mia998]

Occasionally I'd like to be 17 again,but not after reading this.
Last time I was insured in the UK (3 years back) I was paying £280 a year fully comp for a 150hp Merc 203 diesel with 100 quid excessive and wife as named driver.
The numbers I read above are madness - are they trying to encourage people to lie or drive without insurance?
 
To the guy who thinks he may get away without declaring mods - don't, you may get away with it, or you may get caught - if you get caught they'll void the policy from inception and you won't get motor insurance until you are 70 after that......
How anyone would consider modifications with those sort of numbers on the table....wow......

I've declared everything down to the gear knob. It's £2550 for tpft, 12000 miles and 700 excess (600 is because of age)

[Captain Mainwaring]

Terrifying numbers. 

[Cunnymonster]

Mine was £1500 with Aviva when I first got my car.
First year, no no claims, 19, parents on insurance, no mods.
Now I have loads of mods, 21 with ones years no claims and its only £400

Insurance is always expensive for young/ new drivers. Calling the companies and playing them off each other usually helps get the quotes down. Other than that you'll leave to put up with it for the first year. (Doesn't really matter what car it is) second year is always much cheaper!

Good luck.

[its_courts28]

After sending picture which they requested my quote has risen £300 despite telling them absolutely everything? They can whistle there's no way I'm paying £2800 tpft

[Captain Mainwaring]

After sending picture which they requested my quote has risen £300 despite telling them absolutely everything? They can whistle there's no way I'm paying £2800 tpft

 

 

Well.....unless you can find someone cheaper, then that's what your paying if you want to go on the road.

 

Puzzles me a little why you'd drive a modded car knowing full well that the premiums are through the roof even for standard cars.