Car insurance

I'm 19. I have 2 years no claims. I had my renewal through from Direct line for £1200 last week. It was £1400 last year, so no where near as much saving as I had expected. Went on Money Supermarket and found swiftcover offered me the same thing for £657. I contacted Direct Line and they said they couldn't even come close to what swiftcover were offering. The next closest on Money Supermarket is £855. Does anyone have any tips, or advice as to where else I could look?

Simples.

http://www.comparethemeerkat.com/

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...........who say advertising doesn't work?

Alternatively try www.confused.com

I find switching insurers each year saves ££££££££££'s.

My renewal was £266 for both of us fully comp.

I could not get that any cheaper from the Meerkats or anyone else.

I've been with Direct Line, on and off, for years. They're seldom cheap but they are the best for no quibble claims - by some margin. To me that's as important as the price nowadays. My girlfriend was with Norwich Union for awhile but left after a particularly troublesome claim. Someone backed out of their driveway opposite, straight across the road and into her car, yet despite him admitting full liability they faffed about for a couple of months and initially refused to return her excess charge - which Direct Line would not have taken in the first place. Around the same time I totalled a Toyota Supra through my own fault entirely and DL had removed the car, immediately arranged an alternative and sent the cheque (for more than I paid for the car) within a week or so. There really is no substitute for quality of service.

Direct Line - £1,124.55 - £500 Excess

Swift Cover - £636.77 - £500 Excess.

I think having given Direct Line £3500 over the past 2 years, I'll give them the finger. It's half price FFS! I do appreciate Direct Line have a brilliant reputation and I've always been very impressed when I've phoned them up. Maybe £100 difference I would reconsider, but half the price is just ridiculous.

Compare the Market brought up the same policy I was offered by Money Supermarket, but £200 dearer. Can't work that one out.

Confused.com was cr@p and gave the lowest as being just over £1000.

Direct Line - £1,124.55 - £500 Excess

Swift Cover - £636.77 - £500 Excess.

 

I think having given Direct Line £3500 over the past 2 years, I'll give them the finger. It's half price FFS! I do appreciate Direct Line have a brilliant reputation and I've always been very impressed when I've phoned them up. Maybe £100 difference I would reconsider, but half the price is just ridiculous.

Granted, the difference isn't usually 100% when I bother to check...

I'm not looking forward to having to worry about this sort of thing.

I'm not looking forward to having to worry about this sort of thing.

It is a real b*tch.

Having gone through the whole thing myself, I would recommend that you go onto your parents policy for a couple of years and then go fully comp on your own. My colleagues son is the same age as me. He went on his Dads insurance for the past couple of years costing around £350 a year. Now if he went fully comp it would cost him around £1000. I went fully comp from the start on a Skoda 1.9SDI which cost me believe it or not £2000 on insurance. Now I would be down to about £600 if I had kept that car. Basically, as he's a couple of years older and got some experience under his belt on his parents insurance, it's saved him a fortune. Bit difficult to explain!

£350 a year for him for 2 years.

£2000 first year, £1400 second year for me.

Now £1000 for him.

£650 for me.

Quite a considerable saving for him.

I heard its not legal or something to go on your parents insurance anymore?

I've been using these compare websites and the cheapest I have found for a Citroen C2 1.1 Furio is over £1800 with Quinn insurance. Theres no way I can afford that so if theres ways to make it cheaper?

I heard its not legal or something to go on your parents insurance anymore?

I've been using these compare websites and the cheapest I have found for a Citroen C2 1.1 Furio is over £1800 with Quinn insurance. Theres no way I can afford that so if theres ways to make it cheaper?

I believe you need to be a registered driver on a car that your parents own.

So, you need to buy a cheap car, and register it in your parents name, then get it insured by them and added as a named driver.

Clearly the insurance company will be a bit doubtful if you then crash said car and it has a big can on the back, full stereo system etc, as it is unlikely to be your 'parents' car....

I'm 19. I have 2 years no claims. I had my renewal through from Direct line for £1200 last week. It was £1400 last year, so no where near as much saving as I had expected. Went on Money Supermarket and found swiftcover offered me the same thing for £657. I contacted Direct Line and they said they couldn't even come close to what swiftcover were offering. The next closest on Money Supermarket is £855. Does anyone have any tips, or advice as to where else I could look?

Been through this many times with many people but FWIW I think people of your age are mad paying that much for insurance just to drive round in a car that you think is the bees knees. You'd be surprised at just how quickly your premiums drop if you stick with a low group car for four years or so. You obviously think it's worth it but I just can't see it myself; I think the money would be much better spent on all manner of other things.

I believe you need to be a registered driver on a car that your parents own.

 

So, you need to buy a cheap car, and register it in your parents name, then get it insured by them and added as a named driver.

 

Clearly the insurance company will be a bit doubtful if you then crash said car and it has a big can on the back, full stereo system etc, as it is unlikely to be your 'parents' car....

It's called "Fronting", and whilst I don't think it's illegal the insurance company will almost certainly put two and two together if/when you make a claim, refuse to pay out and cancel the policy from inception.

Plus you can't earn any NCD as a named driver, so may as well bite the bullet, get your own policy, earn your own NCD and wait until you're an old git like me!!

the aa was the best i could find pricewise.

19? Explains a lot.

Try Bell

Try a less chavy car ?? What do you drive ??

Also, if your gonna use the compare websites, use a fake name and the address next door, then phone the cheapest company direct after you have compared. That way you shouldn't get hit with the commision they take.

Equally you could keep phoning different companies qouting some made up qoutes, 1 may match it.

Been through this many times with many people but FWIW I think people of your age are mad paying that much for insurance just to drive round in a car that you think is the bees knees. You'd be surprised at just how quickly your premiums drop if you stick with a low group car for four years or so. You obviously think it's worth it but I just can't see it myself; I think the money would be much better spent on all manner of other things.

Joe - you're the chap that got me to buy my Skoda Fabia so don't say that!

The Skoda was a W reg piece of crap and it still cost me £2000. It doesn't make the difference I think you think it makes.

It's called "Fronting", and whilst I don't think it's illegal the insurance company will almost certainly put two and two together if/when you make a claim, refuse to pay out and cancel the policy from inception.

 

Plus you can't earn any NCD as a named driver, so may as well bite the bullet, get your own policy, earn your own NCD and wait until you're an old git like me!!

You can with Direct Line.

Try a less chavy car ?? What do you drive ??

 

Also, if your gonna use the compare websites, use a fake name and the address next door, then phone the cheapest company direct after you have compared. That way you shouldn't get hit with the commision they take.

 

Equally you could keep phoning different companies qouting some made up qoutes, 1 may match it.

Ford Focus 1.6? Not really that chavvy...

http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

Oh, nearly forgot.

Thanks very much DSM. You saved me £35

Pint owed me thinks.

(as long as its water )

Just bite the bullet and be on your own policy, I have been on my own since 17, Started out at about £1200 a year for a 1.4 Seat Ibiza, I am now 22 and have made no claims now only paying £35 a month for a 2.0 turbo. If you went on parents policy til say 21.. You won't have any no claims and will have to start from scratch.

Obviously having no claims is important but the price of insurance has gone up alot since then.

Im 18, and the cheapest insurance I've found is well over £1800 on a 1.1L Citroen C2.

Just bite the bullet and be on your own policy, I have been on my own since 17, Started out at about £1200 a year for a 1.4 Seat Ibiza, I am now 22 and have made no claims now only paying £35 a month for a 2.0 turbo. If you went on parents policy til say 21.. You won't have any no claims and will have to start from scratch.

If you read what I said before you'll see by going on your parents policy for a couple of years to get a bit of experience and get a bit older saves you a lot of money. Particularly seeing as you can now get NCB with Direct Line.

Having said that, I wouldn't change what I've done which is the same as you - I would want that independance and not having to worry about affecting my parents policy. It's fairly clear that saving money wise, going on your parents policy for a couple of years is the way to do it.

It's called "Fronting", and whilst I don't think it's illegal the insurance company will almost certainly put two and two together if/when you make a claim, refuse to pay out and cancel the policy from inception.

 

Plus you can't earn any NCD as a named driver, so may as well bite the bullet, get your own policy, earn your own NCD and wait until you're an old git like me!!

You can with Direct Line.

Only if you insure with them I assume?

Joe - you're the chap that got me to buy my Skoda Fabia so don't say that!

 

The Skoda was a W reg piece of crap and it still cost me £2000. It doesn't make the difference I think you think it makes.

Piece of crap? What went wrong on it?

I'd be interested to see the figures on how much the difference would be. We're talking group 16 vs what ... group 3/4???

You can with Direct Line.

Andl also with Tescos

Andl also with Tescos

Interesting insurance fact ... they are both adminstered by Admiral anyway ... as are elephant and some others that i can't be bothered thinking of!

Should hopefully be getting my first car within the next two weeks and have used virtually every compare website and made several phone calls. Most times Quinn Direct has come out cheapest but I dont like some of the reviews they have been given... Are they good to go with or to avoid?

Fully comp with them is a little under £1400 when the likes of direct line and churchill are at least £1000 with larger excess also.

£1000 more is what I was meant to say.

Seeing the prices on this thread makes me think thank feck I dont have to buy it.

Should hopefully be getting my first car within the next two weeks and have used virtually every compare website and made several phone calls. Most times Quinn Direct has come out cheapest but I dont like some of the reviews they have been given... Are they good to go with or to avoid?

Fully comp with them is a little under £1400 when the likes of direct line and churchill are at least £1000 with larger excess also.

Have never heard of Quinn Direct.

Should hopefully be getting my first car within the next two weeks and have used virtually every compare website and made several phone calls. Most times Quinn Direct has come out cheapest but I dont like some of the reviews they have been given... Are they good to go with or to avoid?

Fully comp with them is a little under £1400 when the likes of direct line and churchill are at least £1000 with larger excess also.

Was with them for 3 years until I was 20. I had no problems with them, never had to claim though.

Quoted from their website "Quinn-direct specialise in affordable motor Insurance for young drivers"

I am 19, didn't bother getting a car till i was 18 and paid over £2000 for my insurance, this year it has been slashed to just over £800 with Direct Line.

Passed my driving test yesterday and got my insurance. Just over £1300 fully comp with Quinn even though they initially quoted me over £2500 on the phone. The next cheapest were Direct Line, Admiral and Churchill which were all £2500 upwards.

Congrats on passing.

Well done Townhillsaint,

Insurance is a b8stard when you are young, but a blessing when you are old. It used to pee me off 20 years ago seeing old fogies driving sensibly in cars that could break the sound barrier, when I had to poodle around in a Renault 14TL. What a waste I use dto think.

You would curse if you knew the soert of thing ou can drive at 45, £1300 fully comp. Unfortunately (fortunately for us old gits) the insurance companies base their figures on facts, it's just like gambling to them, and just like you'll never see a poor bookie, you'll never see a poor Lloyds lister.

Well done enjoy your driving.

As expensive as £1300 is, which it is for me, it works out about £105 a month. Thats about half my wages but it is an incredibly low price compared to everywhere else who are mostly double or more, so i had to go for it. Still not sure if it can be right so will wait until I get the details and certificate through in the post to know for sure. Id do anything to be a couple years older with a couple years no claims!

My cars a 1.4 also which is why this price is unbelievable, most people i know are charged around this for a 1.1 or 1.2

Thanks too

Its horrible knowing if I was just a bit older i could be driving such a nice car for this sort of price, or how much it would be less for what im driving now, well not just yet.

Now i should be okay for commuting to uni when I start at the end of the month!

Nothing to lose by double checking that you've got the best deal Townhill, if you've got five minutes I would recomend using the tips on this site:

http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

I have been with a company called SwiftCover for the last couple of years and they save on overjeads by being internet only service, althogu they have telephone advice and support too. You print your docs direct from your account.

A good tip that you'll find on there too is that if for example you are a teacher, it may be cheaper to put down on your application that you are a Social Worker currently paying £1200, you can save £85 by putting down your occupatiuon as Welfare Officer. And that is all above board and legal, Try it nipper:

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/#sectors