Topic: Car Insurance

[RichardM]

First car, 19y/o Peugeot 206 1.1

10 month accelerator (1 years no claims at the end) - £867

My own policy with two named drivers (Mum and Aunt) both have fault claims in the past 3 years.

I couldn't believe it haha

[se9R.F.L]

Ok, been reading through this thread and need a bit of general advice.
Im finally learning to drive and reckon ill be done and in a position to buy a car very soon.
Im about to turn 32.
I work in the costume department on film sets and have no clue what i should put for occupation. Sounds like I'll pay for it though.
I also know very little about it all. What size engine can i get, bearing in mind it'll be my first car?
Can i name anyone as a named driver and what does this do? (for me and said named driver) does it affect them in anyway? Are they expected to use the car?
I live in central London so parking will probably be an issue.
I am intending to do the pass plus thing which apparently can save 40%, can i use this with any insurer?
Im preparing myself for the worst but does anyone know around how much im looking at the first year

[RichardM]

Ok, been reading through this thread and need a bit of general advice.
Im finally learning to drive and reckon ill be done and in a position to buy a car very soon.
Im about to turn 32.
I work in the costume department on film sets and have no clue what i should put for occupation. Sounds like I'll pay for it though.
I also know very little about it all. What size engine can i get, bearing in mind it'll be my first car?
Can i name anyone as a named driver and what does this do? (for me and said named driver) does it affect them in anyway? Are they expected to use the car?
I live in central London so parking will probably be an issue.
I am intending to do the pass plus thing which apparently can save 40%, can i use this with any insurer?
Im preparing myself for the worst but does anyone know around how much im looking at the first year

I've always been told the pass plus is a waste of money. May aswell save what it costs and put that towards your insurance.

[se9R.F.L]

I've paid up for 20 lessons and after 5 im well on track. Been doing them around camden, kings cross, holloway, Angel mostly at rush hour and im picking it up pretty quick. I will probably have a few left over so may as well use them up.

[Kez]

Ok, been reading through this thread and need a bit of general advice.
Im finally learning to drive and reckon ill be done and in a position to buy a car very soon.
Im about to turn 32.
I work in the costume department on film sets and have no clue what i should put for occupation. Sounds like I'll pay for it though.
I also know very little about it all. What size engine can i get, bearing in mind it'll be my first car?
Can i name anyone as a named driver and what does this do? (for me and said named driver) does it affect them in anyway? Are they expected to use the car?
I live in central London so parking will probably be an issue.
I am intending to do the pass plus thing which apparently can save 40%, can i use this with any insurer?
Im preparing myself for the worst but does anyone know around how much im looking at the first year

If you live in central London, why do you want a car? If you need the car then fine but if not, it's a hell of an expense for no good reason.

Presuming you'll only want an occasional runaround, you may as well get something compact like a hatchback with a small engine, say 1.2-1.4 maximum and probably a petrol as unless you're going to be doing a thousand miles a month, a diesel won't be that fuel economic in comparison.

The Pass Plus scheme was designed for young new drivers to help bring their premiums down. You might want to contact some insurers to ask if doing Pass Plus is going to make any difference to your quote before paying out for it. If it isn't going to bring it down by more than the cost of the course there's zero point in doing it. If you want to get experience motorway driving, the cheaper option would be to ask your instructor for a few motorway lessons after you've passed. Also make sure your instructor gets you out on the A-roads around London once you're a bit more experienced. It's all well and good learning how to drive in central London at rush hour but that's not a lot of good to you in terms of learning how to drive on faster roads, dual carriageways etc.

If you want an idea of how much insurance might cost you, try using one of the comparison sites and put in the details for an "average" first car (Ka, Fiesta, small engine Golf, Polo etc) and see what it churns out.

[wampa1]

Ok, been reading through this thread and need a bit of general advice.
Im finally learning to drive and reckon ill be done and in a position to buy a car very soon.
Im about to turn 32.
I work in the costume department on film sets and have no clue what i should put for occupation. Sounds like I'll pay for it though.
I also know very little about it all. What size engine can i get, bearing in mind it'll be my first car?
Can i name anyone as a named driver and what does this do? (for me and said named driver) does it affect them in anyway? Are they expected to use the car?
I live in central London so parking will probably be an issue.
I am intending to do the pass plus thing which apparently can save 40%, can i use this with any insurer?
Im preparing myself for the worst but does anyone know around how much im looking at the first year

I passed when I was 31.  Most quotes on potential cars hovered around anywhere between £1000-£1500 with me living in the centre of Preston and commuting to an office job.  With some fudging (technically I have private off road parking when in reality it would barely qualify) and by sticking my mum on there as a named driver it came down to £600ish on a 2001 1.4 Honda Civic which I bought.

This year with all the same info as last year it's down to £400 which I think is excellent.

[se9R.F.L]

^thanks guys!
I unfortunately do need to drive for my job, its not a luxury.
1000-1500 was around what i was expecting. Ill see if i can knock it down any more.

[eAyeAddio]

I work in the costume department on film sets and have no clue what i should put for occupation.

Your occupation is the single most important piece of information which is of interest to an insurer when getting an insurance quote.  Don't lie about it just to get a cheaper quote as the company will happily take your money but will refuse to pay out in the event of a claim if they decide to investigate it and find you have lied on the application form.

In your case you won't be penalised by being in "show-biz" as you work behind the scenes and are not a "performer / artist".

So under the heading 'occupation' you could legitimately put 'stock controller / warehouseman'.

.....I live in central London so parking will probably be an issue....

Delete the word 'probably' and you will be close.

London has excellent public transport, are you sure that you need a car?

When you add up the cost of even a cheapish car, tax, insurance, servicing, consumables like tyres, brakes, oil, petrol etc.  it makes for a big dent in the wallet............

[se9R.F.L]

Your occupation is the single most important piece of information which is of interest to an insurer when getting an insurance quote.  Don't lie about it just to get a cheaper quote as the company will happily take your money but will refuse to pay out in the event of a claim if they decide to investigate it and find you have lied on the application form.

In your case you won't be penalised by being in "show-biz" as you work behind the scenes and are not a "performer / artist".

So under the heading 'occupation' you could legitimately put 'stock controller / warehouseman'.
Delete the word 'probably' and you will be close.

London has excellent public transport, are you sure that you need a car?

When you add up the cost of even a cheapish car, tax, insurance, servicing, consumables like tyres, brakes, oil, petrol etc.  it makes for a big dent in the wallet............

Thanks for this, it is all confusing at the moment. I do really need to drive. All the studios i work at are outside London and we start at ungodly hours so public transport is out and carpooling  only works if you have local colleagues which i occasionally do but often don't.
I will bs moving out of EC1 soon ish. Its handy but not sustainable if i want to get driving.

One thing that is confusing me. Say for example i add my dad as a named driver. Is it fraud if he never drives the car (he lives in north Yorkshire) and what are the implications for him should i have an accident and make a claim.

I appreciate all the advice so far!

[eAyeAddio]

  Say for example i add my dad as a named driver. Is it fraud if he never drives the car (he lives in north Yorkshire) and what are the implications for him should i have an accident and make a claim......

There is no obligation at all for your dad to ever drive your car if he is a named driver.
It simply makes it legal for him to drive it if he ever wants to.

There are no implications at all for your dad if a claim needs to be made while you are driving.
His own no claims bonus will not be affected.

[se9R.F.L]

There is no obligation at all for your dad to ever drive your car if he is a named driver.
It simply makes it legal for him to drive it if he ever wants to.

There are no implications at all for your dad if a claim needs to be made while you are driving.
His own no claims bonus will not be affected.

Thank you kind sir

7 lessons in, my instructor says im more than half way through so will be using this advice pretty soon. Much appreciated!
Just a shame i couldn't take a very short detour on todays lesson and give that old witch a little nudge in the right direction.

[joel]

I'm surely doing something wrong here? Coming up with £2,500 cheapest quote on a 1.1 with one of them fecking boxes in

[swoopy]

I'm surely doing something wrong here? Coming up with £2,500 cheapest quote on a 1.1 with one of them fecking boxes in

I am 22. I have passed my test since I was 18 but only been a named driver on my mums cars.

Bought a 1.4 Peugeot 207 this week. Used Admiral as my insurers and got a years worth of insurance for £393.

Have you tried admiral?

[joel]

I am 22. I have passed my test since I was 18 but only been a named driver on my mums cars.

Bought a 1.4 Peugeot 207 this week. Used Admiral as my insurers and got a years worth of insurance for £393.

Have you tried admiral?

Will go and give them a whirl now. £3k wow

Parents having large engined cars isn't helpful. Nor is my Mum's lack of NCB 

[AB LFC]

Anyone doing or done telematics insurance? It's a good £1000 cheaper than the quotes I'm getting but I drive at peak times, being in a 9-5 job, so wonder if that'll affect my price. If it does, how does it even work? Do they just review it for a few weeks then bump up the price?

["Nookie".]

Anyone doing or done telematics insurance? It's a good £1000 cheaper than the quotes I'm getting but I drive at peak times, being in a 9-5 job, so wonder if that'll affect my price. If it does, how does it even work? Do they just review it for a few weeks then bump up the price?

Monitors your driving. Braking style, cornering style, how long you drive before taking breaks, tracks your car for security as well.
My quote from June was about £250 quid a year cheaper with it but like fuck am I driving with a box in my car. £250 quid cheaper, then next thing you know it'll be £3000 more expensive


EDIT:

Got my renewal quote yesterday of £1668. Went on confused.com and got it down to about £1400. Left it as it needs doing before 4th June, and this morning got an email from confused.com offering me 4 different insurers between £740 and £750. Will be going with that!!

[Graeme]

Very quick car insurance question.

My next door neigbour (currently being evicted due to antisocial behaviour) has swung his van door into my wing mirror taking some of the paint off it.

This is the 2nd time he's damaged a vehicle on our drive. The first time was the car wasn't owned or insured by me so couldn't do anything, this time it was my car.

If I claim through his insurance, will this go against me in any way when it comes to my renewal?

[TepidT2O]

Very quick car insurance question.

My next door neigbour (currently being evicted due to antisocial behaviour) has swung his van door into my wing mirror taking some of the paint off it.

This is the 2nd time he's damaged a vehicle on our drive. The first time was the car wasn't owned or insured by me so couldn't do anything, this time it was my car.

If I claim through his insurance, will this go against me in any way when it comes to my renewal?

To be honest, I don't see the point.

If he's that much of an arse, then he will deny it.
If you don't have an independent witness, then his insurance company won't pay out anyway.

Sorry to be so negative....

[Graeme]

If it makes any difference, I have a photo of the van door sitting against the wing mirror showing the contact?

[Basil]

Will put ur premium up, they ask for details off claims regardless of fault. I once had a woman reverse into me at traffic lights while I was parked, claimed off hers, next year my insurance went up £150

[TepidT2O]

If it makes any difference, I have a photo of the van door sitting against the wing mirror showing the contact?

Oh!

Bang to rights then!

[El Phes]

Will put ur premium up

Not true. They do ask for accidents regardless of fault, but it's to see if there's a pattern (might it be you that's at fault because you're careless etc, say you've been involved in 10 accidents).

I had a friend who parked on my drive. I pulled up later and parked on the road opposite because my drive was 'taken'. They leave my house and reverse straight into the side of my car, causing about £1500 worth of damage to the door / wing. Neither myself or my wife were in the car. Our car was parked up. But I still had to 'assign' the crash to either her or me. There's no way an insurance company can raise my premium through me claiming through her insurance in this instance.

[El Phes]

If it makes any difference, I have a photo of the van door sitting against the wing mirror showing the contact?

Christ! How long was the door open? Lucky he didn't dent it and then close his door quickly and try to forget about it. What a knob!

[Skidder.]

Looking around to insure a Ford KA, 34, licence 8 years, 0 ncb, got it down to around £1300, but it was £800 if I was living in my sisters in Birmingham. Used both Confused and the other price comparison. Is it genuinely worth giving it a ring around to try and haggle those premiums down?

[WhoHe]

Looking around to insure a Ford KA, 34, licence 8 years, 0 ncb, got it down to around £1300, but it was £800 if I was living in my sisters in Birmingham. Used both Confused and the other price comparison. Is it genuinely worth giving it a ring around to try and haggle those premiums down?

Why not just say you are living in your sisters ? They are only arsed when you make a claim but I know loads who do similar without issue. One mate used to have his insurance at a caravan site which makes it very cheap.

[rob1966]

Why not just say you are living in your sisters ? They are only arsed when you make a claim but I know loads who do similar without issue. One mate used to have his insurance at a caravan site which makes it very cheap.

Depends on how far away he is from his sisters, if he's in Liverpool, then he's going to be fucked if he is in an accident, especially if the other party suffers life changing injuries. You can't even use the "I've only just moved argument" as (I only found this out recently) every time you are read by an ANPR camera the date and location is logged and the data is retained on the database for 5 years. Takes 5 minutes to pull that data from the database and show your movements.

[paddysour]

Depends on how far away he is from his sisters, if he's in Liverpool, then he's going to be fucked if he is in an accident, especially if the other party suffers life changing injuries. You can't even use the "I've only just moved argument" as (I only found this out recently) every time you are read by an ANPR camera the date and location is logged and the data is retained on the database for 5 years. Takes 5 minutes to pull that data from the database and show your movements.

Yeah, you're basically paying 800 quid for a very expensive piece of paper. Same with people driving under their parents insurance but having their own car. They won't cover you in an accident

[L666KOP]

Depends on how far away he is from his sisters, if he's in Liverpool, then he's going to be fucked if he is in an accident, especially if the other party suffers life changing injuries. You can't even use the "I've only just moved argument" as (I only found this out recently) every time you are read by an ANPR camera the date and location is logged and the data is retained on the database for 5 years. Takes 5 minutes to pull that data from the database and show your movements.

 

[rob1966]

Yeah, I was reading on one of the car forums and it was confirmed by someone in the job that they retain the data. If someone then becomes of interest to them, say a drug dealer, they can query the database and start to create a picture of where they've been going, what they were up to.

to be honest, its no different from everyone with a database. I'm a programmer for a Hire Company, our database has millions of customer records on it, all the sensitive data is encrypted and it just sits there doing nothing. Companies like Tesco etc use your loyalty cards to build up a picture of your spending habits so they can target you with vouchers etc, Amazon are always emailing me suggesting purchases based on my history.

[jordyball10]

Hi lads,

Not sure if their is another thread but i am taking my driving test this month and want to know how i can get my insurance as cheap as possible as i am only 22 years old. An info would be massive help.

[Circa1892]

Add parents as named drivers. Go fully comp, add a voluntary excess. Buy a car in a cheap insurance band.

And you'll still be looking at well over 2k...

[jordyball10]

Add parents as named drivers. Go fully comp, add a voluntary excess. Buy a car in a cheap insurance band.

And you'll still be looking at well over 2k...

The quotes i have on my own policy are £1900 mate

[AB LFC]

Get someone older and more experienced as the first driver. Ideally someone with a clean license, held it for several years and has a fair number of NCB. And use comparison websites like Gocompare or Compare the Meerkat. Or market. Either way, you get a free meerkat toy.

[jordyball10]

Get someone older and more experienced as the first driver. Ideally someone with a clean license, held it for several years and has a fair number of NCB. And use comparison websites like Gocompare or Compare the Meerkat. Or market. Either way, you get a free meerkat toy.

Will the car have to be registered in her name though?

[L666KOP]

It will probably be cheaper if you buy a brand new car mate.

I can't remember who was doing the deal, I want to say either Vauxhall or Peugeot but may be wrong, however, you could buy a brand new 'just add fuel' car for 199 a month with free insurance. Or if you were below 18 it was an extra 99 on top.

It will only be a small car, corsa/208/fiesta size, but for 199 you get a brand new car, taxed, insured, serviced etc.

I guarantee it will work out cheaper than buying a car and insuring it yourself. The only potential downside is that you'd probably be signing up for 3 years.

[TepidT2O]

It will probably be cheaper if you buy a brand new car mate.

I can't remember who was doing the deal, I want to say either Vauxhall or Peugeot but may be wrong, however, you could buy a brand new 'just add fuel' car for 199 a month with free insurance. Or if you were below 18 it was an extra 99 on top.

It will only be a small car, corsa/208/fiesta size, but for 199 you get a brand new car, taxed, insured, serviced etc.

I guarantee it will work out cheaper than buying a car and insuring it yourself. The only potential downside is that you'd probably be signing up for 3 years.

That's very interesting that.... Cheaper to buy a new car with the insurance thrown in ...wow.

The thing is though, after three years, the cost of insurance will greatly reduced (if there have been no accidents) and you will have the resale value of the car.

[JLStretton]

No help to you but just had a quote of £360 what I thought was good being so I have 2 speeding fines as well and being so direct line who was my old insurer wanted close to a grand the feckers.

[L666KOP]

That's very interesting that.... Cheaper to buy a new car with the insurance thrown in ...wow.

The thing is though, after three years, the cost of insurance will greatly reduced (if there have been no accidents) and you will have the resale value of the car.

I've just googled it and Peugeot do it but you need to have been driving for 2 years so the older deal I first mentioned has been replaced it would seem.

Vauxhall do them as well.

Citroen are also regularly doing this type of deal. If you don't 'need' a car and can hang on for the next deal it's definitely worth waiting for.

On these types of deal you sometimes need to remain with the same insurance company for the NCD to apply. There may be other conditions attached so you'd have to do a bit of investigating. But it can save you a lot of money in the long run.

I think the deal I mentioned in the earlier post had the main condition that you had to have a telematics box fitted to the car. But as long as you're not intending to dick about you'd be fine.

The only downside I see is that the deals are all PCP, so you'd never own the car. I guess it depends what you want though. If I was just starting out I'd jump at it.

[Wool]

It will probably be cheaper if you buy a brand new car mate.

I can't remember who was doing the deal, I want to say either Vauxhall or Peugeot but may be wrong, however, you could buy a brand new 'just add fuel' car for 199 a month with free insurance. Or if you were below 18 it was an extra 99 on top.

It will only be a small car, corsa/208/fiesta size, but for 199 you get a brand new car, taxed, insured, serviced etc.

I guarantee it will work out cheaper than buying a car and insuring it yourself. The only potential downside is that you'd probably be signing up for 3 years.

Isn't it only free insurance for a year?

[ThepepeReina]

In a similar position myself, although a little older, ive had quotes as cheap as 800 for a seat mii and as expensive as 2500 for a banger. The top category insurance cars are new and do excellent mpg, they're just so expensive. Iv found cheap car= high insurance and vice versa.