classic 'im 17 help me' thread... and a rant...

[samjac68]

aloha people

i have my second driving test booked and im going to be going to college 20 miles away in a diff county so riding a motorbike wont be too practical in winter

i know im statistically going to run several people over and crash into some expensive cars but i need to get insurance under 1k

i ideally want a mk2 1.3 (ive been obsessed with having a mk2 for ages now...) but will possibly get a 1.0 breadvan polo.

ive used tesco compare with my nan as the main driver me as named and every company refused insurance on a 1.3 mk2

go compare.com came up with one with virgin money on a 1.0 polo for £1800 and the rest 3.5 k

had someone ring me up 5 mins later from aa insurance, she sounded like she'd struck gold, i told her id been quoted £1800 with virgin, and she offered me a £300 discount and fully comp to bring that quote to £2930, i asked how much the excess was and she told me £700... i said on a car i valued at £400 'well... yes but you do get excess free windscre...' 'so you think im going to pay double on my insurance purely so ill owe you money if i crashed aswell as losing my no claims... your a clever one int ya, bet you did well in ya GCSE's' (and hung up)

rang up adrian flux, gave them my details for them to put me through to a different dept, and repeated myself to another dept to be put through to a specialist young person insurance provider who couldnt quote me but put me through to another specialist who quoted me £7050 on a 1.3 mk2, but it would go down to £6995 if i did pass plus (which costs over £100?) i laughed very much and hung up on them...

i tried footman james after someone on here claimed they got a quote on a mk2 golf 1.3 at 18 £890 tpft with classic car insurance, rang them, they said no due to the insurance group you need to be over 21

i got quoted £1750 with liverpool victoria, have rang loads of companies and generally get £3-5k quotes, admiral quoted me £3200 or something along those lines

ok im 17, think my postcode is d rated, i have no criminal convictions, i have never taken the virginity of the daughter of a boss who owns an insurance company so can someone give me any distant never heard of companies who could possibly quote me happy, ideally looking for classic car insurance but they all say 21+ or go home?

martin can you go upto one of your superiors and kick them in the face and tell them that you will insure 17+ drivers?

cheers all

sam

[Dec]

Dont put your nan as the main driver as (no offence) she is likely to be classed as old and dangerous. My Grans insurance has recently started going back up again just because shes getting older

I Dont really see how your getting quoted so much on a 1.3 though. I paid £1856 fully comp for my 1.6 which is surely a higher insurance group.



Not to be a moany git but my dad rides his bike 20miles to work everyday even when its snowing

[topher]

they're also very aware that you're blagging the policy by just being a 'named driver', so first step is to just get your own policy.. try confused.com and let us know the results

[Dec]

they're also very aware that you're blagging the policy by just being a 'named driver', so first step is to just get your own policy.. try confused.com and let us know the results

Also try moneysupermarket.com as i found them to be cheaper than confused somehow!

I agree with Topher though. Get your own policy as it will help in the long run aswell

[samjac68]

me nans only 63, i just wanted to see if it would bring it down if i had the car in her name and me as a named driver (my grandads the main driver of the car were both insured on) so insurers cant really argue about the whole fronting thing

what company are you with? im gonna try a few others in a bit

i like the way you say you dont wanna moan but ya dad rides a bike in snow to work, why dont you sell ya car and ride a bike in the winter?

sam

[samjac68]

just signed in on confused.com, put in a quote on a 1.3 golf and it came back as £1034

and then i realised that id registered on there around 2 years ago when i was 15, so my dob would have been exaddarated so now come up on there as 19

cheapest with it set as 17 is £1801... with virgin money thats better than the £1800 on a polo 1.0 with virgin money through gocompare.com

and i know your all saying get a policy in my own name but on the wage im on at the minute i just cant afford it and might be forced to be a named driver if i want a car some time this year

[topher]

Just as an experiment run a quote through admiral (confused etc can't get quotes from them) with your own policy, and your nan as the named driver.

[samjac68]

through admiral - 2867.00

nan as main driver, me and grandad as named with direct line so i get no claims - £684 

cheers for ya help, if anyones got ne other sites where i could get it in my own name for under 1k i would definately do it

sam

[[han]]

you need ot be honest with insurance, no point in lying it'll invalidate it.

the sooner you have your own policy the sooner you have no claims and the sooner its cheaper to drive. Make sure you can opt out of everything you can on the policies that you won't need or are not bothered about in a first car.

I'd recommend not modifying for the first year or two (i didnt... stuck with OEM mods and didnt lower it!) you'll find that you do have to pay over the odds for a car.. and silly as it seems you might not pay much more for a 1.6 driver which you can easily make look like a concourse GTI rep if you like. worth considering all of the options.. it gets easier as you get older honest!! But the excess is always going to be high!!!

good luck with your hunt!

[Horney]

You tried Bell?

Nick