last week i passed my test and i am now looking for insurance but as i am 18 im getting prices of £3000 at the cheapest as a named driver is there any way i can get it cheaper seem abit steep for a 1 litre k10 any help
insurance prices :( :(
- Thread starter BIG george
- Start date
My first insurance policy was 10 months (instead of 12)
I was 19
The car was a k10, 1.0, 1990 3dr LS
3rd party fire and theft
With my mum as a named driver
Paid £650...ish...but that was in 2005 ^_^
If it's your car, you will use it most of the time, you must put yourself as the main driver on the policy.
Adding a relative with a decent no claims and at least over 25 as a named driver should help.
You could also be a victim of your post code.
If I lived with my aunt in Glasgow my premium goes up, a fair bit
But I live in a quiet town outside Portsmouth.
Consider going with a provider that is made for young/inexperienced drivers.
Also consider black box...your premium will still start high but if you proove to them you're a lower risk your premium should reduce
I was 19
The car was a k10, 1.0, 1990 3dr LS
3rd party fire and theft
With my mum as a named driver
Paid £650...ish...but that was in 2005 ^_^
If it's your car, you will use it most of the time, you must put yourself as the main driver on the policy.
Adding a relative with a decent no claims and at least over 25 as a named driver should help.
You could also be a victim of your post code.
If I lived with my aunt in Glasgow my premium goes up, a fair bit
But I live in a quiet town outside Portsmouth.
Consider going with a provider that is made for young/inexperienced drivers.
Also consider black box...your premium will still start high but if you proove to them you're a lower risk your premium should reduce
OP
OP
cant go black box they say its to old but an option is my father to take out traders insurance with all his plant machinery and me added on i know a 17 year old kid up the road had a bmw 318 on a trade insurance cost him 700 so a micra should be less but its a last resort
Sky Insurance
Official MSC Trader
Get your own policy and build your own NCB rather than being a named driver, especially if it is your car!
or get a policy where you can earn no claims as a named driver
OP
OP
shopped around and used magic to get to 1500 probs the lowest it will get and i get no claims all good
Insurance is a pain, but we gotta put up with it.
Drive safe, grow old, watch that price tumble!
Apparently.
im currently having the same issue with my k11 i usually pay monthly with my premiums,on my 1991 1.4 Honda civic i was paying £87 a month last year and now on a 1 litre k11 im getting quotes of £150+ a month, im 21 and have been passed for atleast 2 years.. insurance seems to be increasing day by day
OP
OP
yeah its a pain but getting insured in the new year should be all good
Sky Insurance
Official MSC Trader
or get a policy where you can earn no claims as a named driver
'Named driver NCB' isn't recognised by most insurers so be very careful with that
I doubt that would matter after a new driver has been on their parents policy for 1-2 years, then taken on their own policy under the same insurer. Most mainline insurer's now offer this service which rewards new drivers through good driving and loyalty to the insurer. Unless the consumer can get a better price point with less NCD then another insurer isn't likely to win the business.
Sky Insurance
Official MSC Trader
The point is though, you are tied in with the insures who do recognise the named driver NCB so less choice when you shop around, also, if you stay with that same insurer for a couple of years and then move, you are not going to have any actual NCB in your own name. The difference between a driver with no NCB and say 2 or 3 years NCB is potentially huge.
