Thread: UK Car insurance?!

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  1. #11  
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    you're getting ripped off im 18 (almost 19) but got quoted around 6k on a 14 plate merc
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    Quote Originally Posted by Snow Cat123 View Post
    You need a black box, take a look at ingenie. On a 1.4 Saxo West Coast my insurance was 1600, since I've had 2 accidents in 3 months and cancelled my insurance, was looking at quotes again and they're between 1.8k to 2.6k, with one accident it's about 1.8k.

    Ingenie are pretty good, no curfews, unlimited mileage just tell them how many you think you'll do. You can save money if you don't drive like a twat every 3 months. But you can't use your car for work, like delivery driving.

    did a check for the 1.4l VW and comes up to 1.8k annually.

    for Blackbox that still seems expensive, any other ways to get the cost lowered?
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  3. #13  
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    Quote Originally Posted by Elation View Post
    did a check for the 1.4l VW and comes up to 1.8k annually.

    for Blackbox that still seems expensive, any other ways to get the cost lowered?
    Try finding someone you trust and who trust you, like a family member who lives in a village, or out of city. That will lower the price.
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    Hey mate,
    so the insurance company gives you a quote based on the risk levels of your age group, experience, previous history, sex and all those sorts of things.

    The fact that you've JUST gotten your license basically defines you as risky (by insurance companies). Now, I'm not saying you're a bad driver or anything you might not have an accident in a whole year but a person with 35 years of driving experience might have 2 accidents in that year. The bottom line is that people with less experience are more riskier.

    The fact that the car is a 1.6L or what ever is the last reason why it should be costing at 6k/year. Over here, I've put my mum's name as the main driver. Now basically, when I have an accident (hope it doesn't happen rofl) my name is not going to be in the contract therefore my excess will go from $450 to $1250 and that's perfectly fine if you calculate it in the long run. I've had no accidents since I started driving (4 years ago).

    (I've got a 2014 Mazda 3 and the premium is at $600AUD/year and the excess is around $450, my mum's car cost about 3 times more than mine and her premium is only about $1200/year).
    Tl;dr: Your engine size is the least significant reason to why the price is so high, find a family member that you can put their name in the contract (preferably with no bad insurance history and also many years of driving experience). Good luck.

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    Quote Originally Posted by Elation View Post
    did a check for the 1.4l VW and comes up to 1.8k annually.

    for Blackbox that still seems expensive, any other ways to get the cost lowered?
    What VW? If a insurance provider thinks the cars related to 'boy racing', eg polo or gold hatchbacks, the insurance tends to be quite expensive. Have you tried looking at a 1.2 SXI or 1.2 Comfort Corsa? Ford KAs are pretty cheap but I think it's because it only has 4 seats.

    Other things that affect the price are where you live (rural or urban areas), if it's parked on a drive over night, using it for work, if you're unemployed it increases. Say if you're an electrical engineer you can change your role to an electrician and it might be cheaper or more expensive, but try and keep it a long the lines of your actual job role. Like if you're an architect and you set your job role to a baker it's insurance fronting and can be cancelled immediately and it can be a pain to get insurance from another provider. Have you added a parent to your insurance too? You can save £100-£200 by setting the start date of the insurance for 2 weeks later rather than tomorrow or today.
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  6. #16  
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    Quote Originally Posted by Iran View Post
    Hey mate,
    so the insurance company gives you a quote based on the risk levels of your age group, experience, previous history, sex and all those sorts of things.

    The fact that you've JUST gotten your license basically defines you as risky (by insurance companies). Now, I'm not saying you're a bad driver or anything you might not have an accident in a whole year but a person with 35 years of driving experience might have 2 accidents in that year. The bottom line is that people with less experience are more riskier.

    The fact that the car is a 1.6L or what ever is the last reason why it should be costing at 6k/year. Over here, I've put my mum's name as the main driver. Now basically, when I have an accident (hope it doesn't happen rofl) my name is not going to be in the contract therefore my excess will go from $450 to $1250 and that's perfectly fine if you calculate it in the long run. I've had no accidents since I started driving (4 years ago).

    (I've got a 2014 Mazda 3 and the premium is at $600AUD/year and the excess is around $450, my mum's car cost about 3 times more than mine and her premium is only about $1200/year).
    Tl;dr: Your engine size is the least significant reason to why the price is so high, find a family member that you can put their name in the contract (preferably with no bad insurance history and also many years of driving experience). Good luck.
    You cant do that in the UK, the prices are the same. You used to be able to do this, engine size is everything over here.

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    Quote Originally Posted by Leon. View Post
    You cant do that in the UK, the prices are the same. You used to be able to do this, engine size is everything over here.
    Damn that sucks. It seems like it's fucking expensive as well (compared to here).

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    Quote Originally Posted by Iran View Post
    Hey mate,
    so the insurance company gives you a quote based on the risk levels of your age group, experience, previous history, sex and all those sorts of things.

    The fact that you've JUST gotten your license basically defines you as risky (by insurance companies). Now, I'm not saying you're a bad driver or anything you might not have an accident in a whole year but a person with 35 years of driving experience might have 2 accidents in that year. The bottom line is that people with less experience are more riskier.

    The fact that the car is a 1.6L or what ever is the last reason why it should be costing at 6k/year.
    The size of the engine does make a difference along side the rest of it. it usually is cheaper at 21 as well, not a shit tonne but cheaper than being 17
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    Quote Originally Posted by Elation View Post
    I'm 21 and just passed my driving test recently

    I done insurance check on a shitty Volkswagen MK4 1.4 litre and it comes up to 6k+ a year?!


    Any young drivers from UK here that found a solution to this?

    6k a year for a 1.4 litre is ridiculous.
    It has very little to do with your car so much as your experience. I wouldn't think you're any better of a driver because you drive a small engine car. You're just as liable to run over poor little old ladies.

    I pay $250 a month on a >3l v6

    fun is costly. should have imported a mustang or something
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  10. #20  
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    Quote Originally Posted by Iran View Post
    Damn that sucks. It seems like it's fucking expensive as well (compared to here).
    Putting a parent as the main driver if they aren't is also insurance fraud and can result in cancellation and it can stop you from getting future insurance if you get caught, is it the same in Australia?
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