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I'm pretty sure it depends on the insurance company you use.
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Posted: 2008-05-28 16:59:09
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You checked out Toyota Aygos?
One that's a few years old, high mileage would be good I reckon. They're cheap to begin with anyway. Have a 1.0 3cyl engine, would be decent on insurance...
It may be a bit over £1500 to buy one, but most of all it's gonna be far safer than any Peugeot 205/Mini.
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Posted: 2008-05-28 17:55:12
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yes you get NC on 3rd party policies..
Quinn Direct quoted my 17 year old bro with 6 points some silly silly price on his 1.4 Ibiza, Kwik Fit quoted him £1300....
I's give Kiwk Fit a bash Big M!
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Posted: 2008-05-28 18:03:32
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Insurance is just laughable for kids, last year when I was 19, just for me was £1600 for my 1.6 saxo.
So put mum on it as main driver, and sister on it too and brung it down to about £600 for all 3 of us.
This year the car is now just mine as sister has her pug 206, the quote came in at £300 for all 3 of us (so I added a breakdown car for £17).....if I take my sister off, the insurance actually goes up to about £700 again.
So this year i'm paying £360 odd (i added some things) for 3 people to go on a 1.6 saxo (but im the only user).
Ok I don't get no claims (my mum does as she's the main driver, they gave her 5yr no claims for being with them for 1 yr).......but I can afford £300 a year, but not £1600 a year, untill I get a decent job I will stay on my mums insurance.
You get all these people who moan and straight away say "get your own insurance and build up no claims"...but by the time i've paid 1yr @ £1600, I could have stayed on mums insurance for over 5 years (or more!)
then pay for your own insurance when your in a position to do so.
EDIT:
Forgot to say, I'm with swift cover.
[ This Message was edited by: ÈL ® ö B ì Ñ on 2008-05-28 17:18 ]
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Posted: 2008-05-28 18:17:37
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17 and he has 6 points, my god! He is taking us to the airport!
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Posted: 2008-05-28 21:21:13
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On 2008-05-28 18:17:37, ÈL ® ö B ì Ñ wrote:
You get all these people who moan and straight away say "get your own insurance and build up no claims"...but by the time i've paid 1yr @ £1600, I could have stayed on mums insurance for over 5 years (or more!)
then pay for your own insurance when your in a position to do so.
Yeah, but you wouldn't be paying £1600 EVERY year.
Take this as an example:
Four years ago, my brother and I insured ourselves, on our OWN, as learner drivers, on our 1.4i 1997 Astra. It cost us about £1300.
The following year, still as learners, the renewal went down to £770.
The third year, I took my brother off it (he got his own car), I passed and the insurance I got them down to £352.
This year, after me buying a 2.0 Golf GTI, it went up to £412, and that included having 3 points on my license after a small run in with the police (that light was orange goddammit!).
So, taking the plunge may actually make it cheaper in the long run. Me and my brother took that plunge and it paid off, literally.
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Posted: 2008-05-28 23:10:21
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Wouldn't a 1.0 Engine be slightley cheaper for a teenager starting out?
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Posted: 2008-05-28 23:23:07
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Well done J!!
someone that knows how the bloody game works!
I waited I was 21, bought a new car, came with free insurance for a year, 2nd year, just me, fully comp £750, this year £350 fully comp..
next year... yeah, gonna be horrendous, insurance company paid out £13,285 after a little accident I had! whooooooops!
By all means add your Mum etc as a named driver, but always have you as number 1 so you claim NCD.....
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Posted: 2008-05-28 23:32:44
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On 2008-05-28 23:10:21, Daedalus85 wrote:
On 2008-05-28 18:17:37, ÈL ® ö B ì Ñ wrote:
You get all these people who moan and straight away say "get your own insurance and build up no claims"...but by the time i've paid 1yr @ £1600, I could have stayed on mums insurance for over 5 years (or more!)
then pay for your own insurance when your in a position to do so.
Yeah, but you wouldn't be paying £1600 EVERY year.
Take this as an example:
Four years ago, my brother and I insured ourselves, on our OWN, as learner drivers, on our 1.4i 1997 Astra. It cost us about £1300.
The following year, still as learners, the renewal went down to £770.
The third year, I took my brother off it (he got his own car), I passed and the insurance I got them down to £352.
This year, after me buying a 2.0 Golf GTI, it went up to £412, and that included having 3 points on my license after a small run in with the police (that light was orange goddammit!).
So, taking the plunge may actually make it cheaper in the long run. Me and my brother took that plunge and it paid off, literally.
Oh ye deff, in the long run it will.
But I don't work and have about £2.80 in my bank lol, gotta sell a PS3 to pay my insurance, I have no chance of getting £1600, infact i'd rather sell my 1.6 and buy a 1.1 if I had £1600 and save money on petrol, tax and insurance, but it's all money money money.
Like I said, go for the NCD, only when your in a position to do so.
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Posted: 2008-05-28 23:51:47
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Other option you've got, and it helped my brother no end when he bought his Megane (1.5 100BHP Turbo diesel lol), Direct Line, and a few others now, give named drivers their own NCB provided you stay with them. So he had 2 years NCB of his own when he came off mine.
Plus, if the rest of the your family is with them, even better discounts
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Posted: 2008-05-29 00:16:31
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