needs car insurance
my younger brother needs to renew his can insurance
he has a 1.2 corsa
Y reg
he used a comparison site this morning and the cheapest was £1,200 
(changed his title to miss and it went down to £650)
so unless he has a sex change is there any other way to decrease the cost of his insurance
thank you locostbuilders
thats cheap, im 22 now but my first year at 17 was 1600 on a 1.1 106
put your mum on as a 2nd driver, even if she never uses the car
As above... that sounds about right to me....
Insurance companies are buggers..... but unfortunately we have little choice but to bend over and take it!
My lad just 18 got his 1.25 fiesta for £1000 with Churchill, but I think thats about the going rate for 17 / 18 year old boys.
Has he tried Quinn direct? thats who my other lad is with but the prices seem to have increased of late.
Dave
As above. I got quoted 1800 quid for a 1.25 fiesta, put my mum on and it dropped to 800 quid
ditch the crappy boy racer chariot and buy an old classic like a Morris Minor or Triumph Vitesse etc etc. It will pay for itself in the end in lowered
premiums
Insurance companies use the following formula -
Teenager + Corsa = Trouble
[Edited on 20/7/09 by Mr Whippy]
Try phoning brokers, both local and national (eg. Adrian Flux). I used them and elephant.co.uk when I was younger and had my old sporty motors and
hot hatches (Mk2 Astra GTE, Mk3 Astra GSi, Cav GSi, Calibra turbo). Not sure how weel they'd compare with smaller engines, but worth a punt.
Also as mentioned, put at least one parent on the insurance - play around and see if it's ma or pa who puts the quote down, dependant on job
status etc.
If you've got no NCB yourself, have you been on any other cars insurance previously? Worth mentioning, but no guarantees.
Perhaps consider limiting mileage? Most places ask how many miles you expect to do in the year; I have 2 cars insured at present, the 5-series
(includes business miles), and SWMBO's clio which is limited to 5k miles a year, but I pay £150 f/c with her 21 and me 25 with 3 points.
Other little bits to include are car location - have you got a garage? Even if it's not useable all the time, tell them it'll be kept in
the garage and it should knock a bit off. Don't lie though if you haven't got one, if they come round and check you've screwed and
they'll either cancel your policy or hike it up! Anything off-road storage is a bonus, even a driveway.
And lastly, ask for quotes in writing, either by snail mail or e-mail. Then play companies off against each other, using the "we guarantee to
beat any quote", and be prepared to lose a day on the phone to people!
Remember, be honest with them as any indescrepancies could lead to them cancelling your policy. Good luck, and happy hunting.
when i was 17 last year my insurance on a brand new corsa 1.2 was 1795 then in my second year (i was 18) it went down to 943
then i just got a brand new 1.7 turbo diesel astra and it only went up £165
btw i am with admiral
my next door neighbour is 17 and female and keeps knocking my door asking me to park her car because she can t do it! so why do they get insurance half the price!!!! why doesn t he look at getting a bike and having alot more fun!!!! i d rather walk than pay that much!
quote:
Originally posted by mad_dogpompey
my next door neighbour is 17 and female and keeps knocking my door asking me to park her car because she can t do it! so why do they get insurance half the price!!!! why doesn t he look at getting a bike and having alot more fun!!!! i d rather walk than pay that much!
quote:
Originally posted by mad_dogpompey
my next door neighbour is 17 and female and keeps knocking my door asking me to park her car because she can t do it! so why do they get insurance half the price!!!! why doesn t he look at getting a bike and having alot more fun!!!! i d rather walk than pay that much!
in general, if a young bloke has a car accident, the car is ded, and quite possibly its occupants.
Young girls are far more likely to have an accident, but itll be a scrape on a 150 quid car not claimed for, or reversing into a wall, or the usual
supermarket car park dings and crap.
Just looking at this myself and the choice of car maeks a huge difference! avoid all the boy racer cars and go for something 'girly' and it
saves you a fortune!
looking at a 900cc Fiat Seciento for £700 and insurance for a 17 year old girl who has just passed her test... £395 TP only..... no other named
drivers
actually we are going to insure for the wife and myself to drive as well but i dont know which way that will push the premium.
its the best deal i could find...
One thing you have to be very careful about nowadays, named drivers... basically if you insure as a parent and name you sprog as a driver but they are
the predominant driver of the vehicle the insurance is invalid! dont know how they check but apparently they are really clamping down on it 
My advice, for what its worth.
A) Get a smaller engine. 1.0 Corsa is going to be much cheaper to insure.
B) Having a parent as the main policy holder does make it much cheaper, but you obviously run the risk of getting caught out.
C) Get a older car. I was insured on my MGB GT when I were a lad, for £190 a year. Plus it was tax exempt :-)
Im curious why he needs to renew his insurance at 17 years old? Im guessing his policy was cheap while learning, just passed and ins company has hiked
it up substantially.
Putting a parent on policy sounds like a plan if it works. I guess that is different to a parent putting their child on the policy. What about 3rd
party only? Smaller engined car or a classic may be sensible until he has some good history and a couple more years under him.
When I tried to get insurance on classic cars, most said no to under 25's and I tried a fair few cars (I really wanted a humber or a woesley).
quote:
Originally posted by DaveFJ
Just looking at this myself and the choice of car maeks a huge difference! avoid all the boy racer cars and go for something 'girly' and it saves you a fortune!
looking at a 900cc Fiat Seciento for £700 and insurance for a 17 year old girl who has just passed her test... £395 TP only..... no other named drivers
actually we are going to insure for the wife and myself to drive as well but i dont know which way that will push the premium.
its the best deal i could find...
One thing you have to be very careful about nowadays, named drivers... basically if you insure as a parent and name you sprog as a driver but they are the predominant driver of the vehicle the insurance is invalid! dont know how they check but apparently they are really clamping down on it
insurance in your brothers name but parent as a named extra driver
Beware the Quinn, who will double the insurance when the test is passed, as we just learnt
Now with Elephant, but as said get a parent/s as named drivers
all sorted now thanks peeps
he is going to borrow mothers car as a named driver
his old company (no idea who it was)
cancelled his policy for some reason after a mistake on their part
anway all sorted thank you once again locostbuilders