Finding £2000-£3000 insurance for young driver?
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best car insurance Question by SimplyDonny -: Finding £2000-£3000 insurance for young driver?
With my UK license I intend on buying myself a car for university (GOLF or POLO). Being a young driver (19 years old), insurers are less than happy to offer cheap insurances. The best quote I’ve found so far from gocompare and dozens of other websites are Quinn Direct with £3800.
Could you please suggest where to get cheap 3rd party insurance, you’re welcome to mention other car models if it helps cheapening it.
Thanks
best car insurance Best Answer:
Answer by Jan409
My son is 19, drives an 2002 Astra and got his insurance from Direct Line – £90 a month
Direct Line are not on price comparison sites, but do have their own website
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Try http://www.comparethemarket.com. It is very difficult for young driver to find a good quote.
By the way, I suggest you to put the insurance under one of your parent’s name, as first driver and you as second main driver. You might get a cheaper deal.
Good luck!!!
All the well known insurance companies are on price comparison web sites anyway, so the chances are if we tell you which company we think you should approach, you will probably already have received the price from the comparison web site.
It is difficult for inexperienced drivers, as there is no quick answer to getting cheap insurance. The only way you can get the price down is to get some claim free experience, but to do that, you need to take out the insurance in the first place.
Sorry if it’s not the answer you were looking for, but the claims from young drivers are crippling insurers these days, and they are all having to put their prices up. If anything, the number of claims from that age group is on the rise, so premiums are likely to go up even more over the next few years. I sometimes wonder if the driving test is too easy as there are so many young drivers having accidents.
As for the suggestion that you get your parents to insure the car for you, ‘fronting’ as it is known in the trade is illegal. Insurers know all the tricks and catch people all the time. For example, if your parents have a car of their own, how can they be the main driver of two cars? I work in insurance and it isn’t nice when young drivers get caught fronting, as we have to void their policy. They have to pay for a solicitor to take on their case if they have an accident as the insurer will no longer do it. If they are found to blame for an accident, and the policy has been voided, they have to foot the bill for the accident themselves, and pay any personal injury claims of any other drivers, which can amount to thousands of pounds, then, just for good measure, the police will give them points, a fine and a ban for driving without insurance. Once you get caught defrauding an insurer, they put you on a database that all insurers have access to, and it will be very hard to get insurance again. It is not worth it.
Find yourself any car you like with the lowest insurance group possible – use http://www.parkers.co.uk/insurance/ to see different makes/models and their insurance groupings.
Use all the compare sites (try http://www.moneysavingexpert.com/insurance/). Also try fully comp as well of third party fire and theft and third party only. For me third party fire and theft was cheaper for the first few years, now fully comp is. For some reason third party only has never been cheaper for me.
Your address effects the price. Whether the car is fitted with an approved alarm/immobiliser, whether it is garaged, sometimes the colour, your occupation, your milage (they normally say estimated so just b.s them). Pretty much every question they ask effects the price.
In the end of the day you may have to forget about the car you want and drive something else until you have built your no claims. The price does drop quite a bit with the key ages of 21 and 25 (providing you keep no claims).
There is no such thing as “cheap” insurance for a 19 year old driver.
No matter what car you choose to drive, insuring it will be horrendously expensive. That is just a cold, hard fact of life – sorry.
£2-£3k is about what you’ll pay at 19 no matter what car you have.
Going third party will not make it cheaper as most insurers charge more for younger drivers to be TPFT.
This is because they believe that you are not bothered about your own car and so will be a bigger risk than someone who is.
Forget the Golf – too big for a new driver
Nothing over 1.2 litre, not sports versions and not modified and better if over 5 years old.
The minimum will be about £3000 no matter what you get.