My incredeible insurance quote

[the_GTI_new_guy]

About me: car: 1.8 GTI MK2 16V, 22 male, 5 years NCD never had any penalties, asked for fully comp insurance in a reasonable town area. Dearest was the not very aptly named "Budget" car insuarnce £4900 TFT or £5800 fully comp with a £500 excess. Bonkers  Dont forget their slogan, "Smart people BUDGET!!!!!! " I must be dumb cos i didnt budget  elephant.co.uk.   was best £660 and £300 excess and this includes NCD protection.

[davidhawkins_78]

Am I reading this right ?? Fecking hell .... 

[CHR15]

£660 sounds a bit better huh!?

[Mart8V]

Try Liverpool Victoria.  Yep, they seem to specialise in the over 70's but they beat any other quote my wife could get on the 'Dub......  Was much cheaper than putting it on as a second car on my policy, even with my 7yrs NCD etc, etc.  Came in at £420 fully comp inc business use, and she only has 3 yrs NCD.  Bargain.

BTW- Mate of mine used to be a broker, and advised very strongly against the likes of Elephant.  Steer very clear of their "bonus accelerator" offer, and even their full policies are not as watertight as they should be, allegedly......

[LPG'd Oakie]

I was with Elephant, and came up for renewal so started shopping around.

Bell direct offerend me a 12 month (as opposed to the 10 elephant were offering) with my missus (20 and driving 3 months) with all mods (LPG conversion) for 30 quid less.

Oh, and they are both the same company with the smae underwriters! barmy!

[Judderi]

Ive got a slight dilema. My insurance is due for renewal in a month or so. I usually go with adrian flux as there good for mods. I thinks it cost aroung the £750 mark last year with 5 years no claims, no points and 23yr old male.

But this year the missus has just passed her test. She is 22 and a new driver. Im gonna get her a little 1 litre micra or something.

How should i do the insurance for us both?

Should i put her on my insurance - will this bring the cost down?

Should i get her, her own policy and have myself as a named driver on the policy?

What works out best? Ive only ever had to insure myself so am a bit confused now.

[monkeyalan]

i'd advise her to get her own insurance to biuld up her ncb. it'll sting a bit the fisrt year, about £700-£800 for a 1.0 micra but it'll be about a 3rd of that next time. My girlfriend has one and is just up for renewal .after one year as a new 26 yr old driver hers has dropped from £786 tpft to £363 fc. if you put yourself as named on her policy it'll be about an extra £40

[Judderi]

Will it be cheaper for me if i add her to my policy?

[monkeyalan]

 i couldn't really say, but her being a new driver, i doubt it. Best get in touch with your broker.

[CHR15]

no, i was on my mums policy and it added 46 quid a month to her premium matey!!