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>> No. 3348 Anonymous
20th June 2015
Saturday 12:20 pm
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I only passed last week and I am looking at my first car which will most likely be a ford fiesta.

I am 25, live in greater london and have a drive way. How much is insurance going to kill me? And do these little black boxes really reduce the price of insurance?
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>> No. 3349 Anonymous
20th June 2015
Saturday 12:30 pm
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I think most of these were covered in a another thread, only a few down from this one.

Run insurance quotes now and see what figures you get. I'd also recommend giving Aviva a bell to see what they offer, as they were the cheapest for me until my last renewal.
>> No. 3350 Anonymous
20th June 2015
Saturday 12:43 pm
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>>3349
I think its going to be around £1,500 fully comp
>> No. 3351 Anonymous
20th June 2015
Saturday 12:59 pm
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>>3350
When I first got a car I went with Bell because they offer(ed) a 10 month policy which still counts as a full years NCD. I think Admiral offer it too as they're the same company, IIRC.
>> No. 3352 Anonymous
20th June 2015
Saturday 1:04 pm
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>>3351

Admiral have given me the best offer so far. I know what car I want going to go down the fiesta corsa route
>> No. 3353 Anonymous
20th June 2015
Saturday 1:14 pm
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>>3348
>I am 25, live in greater london and have a drive way. How much is insurance going to kill me?
As you are out of the 18-24 wallet rape zone, it won't be as bad as it could have been. An interesting idea is to look at the sort of cars that cool people wouldn't be caught dead in. The main reason it's so expensive for a youngster to insure a Corsa isn't that it's particularly high up the ratings, but that it's the spiritual successor to the Nova as the go-to twatmobile for boy racers. Also, try fiddling the details on your quotes to see what happens. Obviously, don't put yourself down as a chicken chaser unless your job actually involves chasing chickens, but you can get away with anything that a reasonable person would say equates to your job, even if it's not the most accurate. Add someone with a clean licence as an occasional driver (with their permission) as long as you can come up with an excuse for why they would need to drive your car. If you plump for the driveway, make sure that you do actually park the car there more than once in a blue moon - if you do need to make a claim, this is one of the simplest things to check, and if you're looking at more than a few hundred they almost certainly will. Follow the Martin Lewis guide to ensure you've covered as much of the market as you can, but also check reviews of likely targets, as it may be that they're £200 cheaper than the competition because they don't give a fuck about anyone. Check the price levels for third-party vs fully comp, because often there isn't much of a difference (typically TPT is taken by people who want "cheaper" insurance, while TPO is taken by people who have a track record), and comp is generally more valuable than the cost difference would imply (e.g. it'll cover damage to your own vehicle and things such as windscreen repairs).
>> No. 3354 Anonymous
20th June 2015
Saturday 1:22 pm
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>>3353
I am a clinical Scientist in the NHS which for some reason they don't list as a job. It will always be parked up on the drive behind my dads car and I will list him as a named driver 25+ years of driving, no points, drives HGV for a living. Guess I could add the girl I am seeing as well onto it as she may drive it.
>> No. 3355 Anonymous
20th June 2015
Saturday 2:48 pm
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>>3353

Good advice, especially the Martin Lewis bit.

You can look up insurance groups at the link below. It's well worth paying attention to, as there can be some surprising differences between very similar-looking cars.

http://www.parkers.co.uk/cars/insurance/car-insurance-groups/

Taking a Pass Plus course can take a bite out of insurance premiums for new drivers. It's a six-hour course that covers things that weren't on the test like night and motorway driving. It costs about £100, but many insurers will offer a significant discount for new drivers who have taken it.

If there's anything unusual about your circumstances, I can highly recommend Adrian Flux. They give personalised quotes drawn up by a human being rather than spat out by a computer, and they really understand motoring. They offer significant discounts if you have a dashcam fitted or if you're a member of an owner's club, and they'll cover cars and drivers that mainstream insurers won't touch.
>> No. 3356 Anonymous
20th June 2015
Saturday 8:38 pm
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>>3355
Pass Plus is probably no good for OP, when I started driving a year ago, out of the insurers who will give a discount to people who have taken the course they only give the discount for younger drivers.
>> No. 3357 Anonymous
20th June 2015
Saturday 9:26 pm
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>>3356
Regardless of whether or not he'll get a discount, it's still a good thing to do.
>> No. 3358 Anonymous
21st June 2015
Sunday 2:51 am
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I'm 26 and live in Not-London. I've found recently insurers will offer me ridiculous prices on any car routinely driven by blokes three times my age - I can insure a 2.5 litre Landy Defender for £380 a year, or a Volvo estate for £450 - yet a 1.0 Micra or Corsa would be £800.
>> No. 3359 Anonymous
21st June 2015
Sunday 9:08 am
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>>3358

How does that work out a more powerful car and insurance is cheaper
>> No. 3360 Anonymous
21st June 2015
Sunday 9:37 am
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>>3359

Statistics. The result of data gathered yearly from the millions of drivers in the UK which shows clear trends such as a 25 year old driving a slow hatchback is much more likely to be involved in an accident.
>> No. 3361 Anonymous
21st June 2015
Sunday 11:04 am
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>>3358
>>3359
>>3360
This is what I was getting at with this:
>An interesting idea is to look at the sort of cars that cool people wouldn't be caught dead in. The main reason it's so expensive for a youngster to insure a Corsa isn't that it's particularly high up the ratings, but that it's the spiritual successor to the Nova as the go-to twatmobile for boy racers.
The Corsa is typically in a lower group than both the Fiesta and the Ka (some of the 1.0 models are down in group 1), but the statistics from the boy racer demographic push up the premiums for young drivers.
>> No. 3362 Anonymous
21st June 2015
Sunday 3:10 pm
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Been offered a 2013 Ford Fiesta from ford for about £6000 as a first car, which I can more than afford.

Think I am going to take it
>> No. 3363 Anonymous
21st June 2015
Sunday 4:02 pm
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>>3362

Don't spend more than you can afford. Spend less than you've budgeted, and put the rest of the money aside for a rainy day. There are loads of good, reliable cars available for much less than six grand. Age really doesn't matter compared to mileage and service history.

A couple of minutes on eBay turns up some cracking little bargains like this one - low mileage, full service history, immaculate inside and out, no advisories at the last MOT, and all for less than two grand.

http://www.ebay.co.uk/itm/121683293006

>>3359

Insurance risk assessment is basically voodoo. The algorithms involved are so complex that nobody really understands them, so the computer can spit out some really strange answers in some cases.
>> No. 3364 Anonymous
21st June 2015
Sunday 4:18 pm
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>>3363
>Don't spend more than you can afford
He didn't say it was more than he can afford.
>> No. 3365 Anonymous
21st June 2015
Sunday 5:37 pm
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>>3362
Test drive it first. There's a few cars I wanted, but changed my mind after actually sitting inside or taking it for a test drive and got a feel for the car.

Also, don't buy from Pakis. I live near Dewsbury so I know a few people who almost made this mistake. In almost every instance the HPI check revealed it was a repaired writes off, in some cases they hadn't even been declared road legal again.
>> No. 3366 Anonymous
21st June 2015
Sunday 6:07 pm
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>>3364

Sorry, my bollocks reading comprehension.
>> No. 3367 Anonymous
21st June 2015
Sunday 7:31 pm
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>>3365

Had a drive of it today, got it up to 50, it felt so light and easy to drive, my dad was with me as well in the front and even he thinks its a great car.

This is from Fords, only 1 owner before
>> No. 3368 Anonymous
22nd June 2015
Monday 6:32 pm
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Quoted £1000 with Aviva for a 2013 Ford Fiesta
Online price

If I change the car to older types which you can pick up for a £1000 or less insurance is going up to over £2000
>> No. 3369 Anonymous
22nd June 2015
Monday 7:26 pm
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>>3368
Younger people tend to buy cheaper cars, particularly if they're the sort to have damaged a more expensive one before that.
>> No. 3370 Anonymous
22nd June 2015
Monday 7:44 pm
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>>3368
You get anomalies like that. When I was first looking it was below £1k for a Punto and nearly £3.5k for an MG ZR.
>> No. 3371 Anonymous
22nd June 2015
Monday 8:24 pm
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>>3369
It works out cheaper for me to get a newer car vs getting a bank loan and buying a old banger.
>> No. 3372 Anonymous
23rd June 2015
Tuesday 12:03 am
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>>3368
Yeah, you're better off avoiding the typical teenage shitboxes altogether (corsa, clio, fiesta etc) and getting yourself a focus or vectra or if you don't mind looking like your dad get any decent estate. Numpties crash shitboxes everyday so they're flagged as high risk.
>> No. 3373 Anonymous
23rd June 2015
Tuesday 1:44 am
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>>3372

A real man can make a multipla look good.
>> No. 3374 Anonymous
23rd June 2015
Tuesday 6:57 pm
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Fuck it I have done it, got offer a 2013 fiesta, only done 2500, including 600 since its last service for the same price.
>> No. 3375 Anonymous
23rd June 2015
Tuesday 7:27 pm
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>>3373
Don't be soft. Nobody can make a Multipla look good. Not even Xzibit or Tim We ... er, I mean "Westwood".
>> No. 3376 Anonymous
23rd June 2015
Tuesday 8:10 pm
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>>3375

https://www.youtube.com/watch?v=4QtV7KU3r6w
>> No. 3378 Anonymous
23rd June 2015
Tuesday 9:09 pm
3378 spacer
>>3376

https://www.youtube.com/watch?v=znlsCdMES4c
Can anyone complete the set?
>> No. 3379 Anonymous
1st July 2015
Wednesday 6:17 pm
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So phone up the company for a quote and it is £1700, do it online £950

what is the difference
>> No. 3380 Anonymous
1st July 2015
Wednesday 6:27 pm
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>>3379
Companies would rather people go online. Less admin.
>> No. 3381 Anonymous
1st July 2015
Wednesday 6:48 pm
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>>3376
Bloody hell. I've had this clip stuck in my vague memory for years. I was kid at the time so of course I was baffled by Clarkson's irrational hatred of Vauxhalls. Now of course I'm older and am baffled by Clarkson's irrational hatred of everything.

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