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 Post subject: New Driver - Insurance
PostPosted: Sat Jun 19, 2010 7:12 pm 
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Drives: Ford Fiesta SI
Good evening,

My name is Jake and I passed my driving test on Wednesday 16th June 2010. I bought a Ford Fiesta SI and loved driving it on my Provisional liscense.

However, now I've passed, I'm looking at insurance quotes for £3000 minimum.

I was wondering if anyone new of any good insurance companies that specialise in either: Giving Ford Fiesta owners cheap car insurance, or an insurance company that gives cheap and affordable quotes for 17 year old students.

Thanks =)

Jake

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PostPosted: Sat Jun 19, 2010 7:16 pm 
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Say you're a woman, and it will halve the premium :lolz:

Welcome to FSi :)

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PostPosted: Sat Jun 19, 2010 7:22 pm 
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stainlessmole wrote:
Say you're a woman, and it will halve the premium :lolz:

Welcome to FSi :)



The thought has crossed my mind lol. But no =P

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PostPosted: Sat Jun 19, 2010 7:27 pm 
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Whack your mum/dad on as a named driver. Is it a 1.4? I was paying £140 monthly for mine so it's never cheap. Just gotta do some searching 4youngdrivers.com is a good comparison site (might be different, google it)
but comparison sites add commision so go direct :D

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PostPosted: Sat Jun 19, 2010 7:31 pm 
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http://www.quinn-direct.com/

lot young people go with them


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PostPosted: Sat Jun 19, 2010 7:41 pm 
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I was going to go with Quinn... but i heard they went bust :S

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PostPosted: Sat Jun 19, 2010 7:46 pm 
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Drives: Ford Fiesta SI
Direct Line and LV will not offer me a quote because the car is "High Performance".

It is a 1.4L engine.

Quinn gave me a quote for £4000.

I've used the following compare websites: gocompare, moneysupermarket and confused.com

I have also checked the Direct quotes from Quinn, Asda, Norwich Union, Young Driver etc...

I have my mum as a named driver but it doesnt seem to help much.

I havent called any insurance companies yet. What do I do/say to try bump their price down when calling? I've never done anything like this before.

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PostPosted: Sat Jun 19, 2010 7:51 pm 
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Try endsleigh. That's where I started. Jesus the accident rate must have gone up to make a 1.4 high performance.
try taking your mum off and just yourself as well. Wordy comes to worst get your mum to take out the quote and put you as a named driver. If she's happy with that though as you might mess up her no claims

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PostPosted: Sat Jun 19, 2010 7:56 pm 
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endsleigh - I'll give them ago, thanks =)

I tried a few with my mum has the policy holder and me a named driver. The cheapest quote I got was £3000 lol.

Why do insurance companies want so much from new drivers? they aiming to bankrupt us or something? >.< I know statistically we're meant to crash within a few months of passing but still... Dont penilise(sp?) everyone!

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PostPosted: Sat Jun 19, 2010 8:07 pm 
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most young people will have a car accident in the first year

so guess thats y


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PostPosted: Sat Jun 19, 2010 9:38 pm 
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17 and 18 is just a crap age for drivers. you're in the worst insurance group of your life for now.

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PostPosted: Sat Jun 19, 2010 9:59 pm 
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I'll keep looking and jsut ask my employer for laods mroe hours lol.

Thanks for your help anyway guys.

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PostPosted: Sat Jun 19, 2010 10:47 pm 
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elephant were good with me. :thumbsup:

im with admaral at the moment under my own name and they gave me a good quote :)

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PostPosted: Sun Jun 20, 2010 8:27 am 
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Try http://www.tiger.co.uk its a comparison site that specailise in young drivers

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PostPosted: Sun Jun 20, 2010 9:08 am 
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The Loumiester wrote:
Try http://www.tiger.co.uk its a comparison site that specailise in young drivers



don't seem bad i got a quote 180 pounds with protected no claims and fully com about 10 pound cheaper ...


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PostPosted: Sun Jun 20, 2010 12:23 pm 
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welcome to fsi :thumbsup:


are you using a comparison web site to get your quotes? if you are i'd try going directly to the company and call them up, cuts out the middle man!

i'd give you some companies to try but sadly i think most only insure 21+

but try give http://www.needtoinsure.co.uk/ a call, that myself and a few others on here are with

Quote:

Need to Insure - Insurance Specialists 01623 720081

ask for Paul Bostrom, he works Mon - Fri 9 - 5 and Every other Saturday 9 - 12



when you call ask for the guy above, Paul B, he's a really friendly chap and i'm sure he'd be able to help you out in some way :thumbsup:


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PostPosted: Sun Jun 20, 2010 2:21 pm 
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Drives: 2.0 fiesta si + mk3 1.1
i was insured third party f+f on a 1.4 escort wen i was 17-18 for 1300 ish iirc
you will find somethin
i started with coop
then directline wen i was 21 n now im with swift at 24
oh n a lil stint with equity redstar who were very very good wen i had a claim i came out that 4k up :thumbsup:
you do need to build no claims up so try stayin on ur own
and dont crash it happens to toooooooo many :D

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PostPosted: Sun Jun 20, 2010 4:53 pm 
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1.4 si's are rip offs for insurance there in a stupid group, dan on here took his off the road to track it and bought a 1.4 seat arosa 16v sport which is 105bhp and its cheaper than the si. my 1.1 rattler cost me £1400 for my first year in my own name.

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PostPosted: Sun Jun 20, 2010 7:08 pm 
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Drives: Ford Fiesta SI
Thanks for all your help guys. I've managed to get a quote for about £1,500. I'm just double-cvheckign everything but I think it's what I'll go for.

I'll jot down the details for:

"Need to Insure - Insurance Specialists 01623 720081
ask for Paul Bostrom, he works Mon - Fri 9 - 5 and Every other Saturday 9 - 12"

Thank you everyone =)

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PostPosted: Sun Jun 27, 2010 12:13 am 
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Location: Corby
Drives: 1.6 Ghia ;)
I started off at 18, stuck my mum down on the 1.4 si

She had 5 years ncb and me down as named driver.
paid 1200 a year.
200 deposit, and 100 a month!

now, a year later, im still on my mums on a 1.6 si instead, with no NCB (she didn't hit anything, she just got a car and used it on hers)
and now I pay 140 a month, but only £10 deposit. 1600 a year.

Can't be bothered leaving my mum's insurance, don't really wanna pay the full wack.

Never crashed, never claimed.
Passed 2nd time.
Have a old friend gone through 4 cars and a bike, another friend died, injuring 1 with him. and several other friends that have totaled cars, or came EXTREMELY close.
Yet, i seem to be the only decent driver out of my group of mates :P
With the fastest car.. (not that the 1.6 is a speedgod, we all know that lol)

Anyway.

First insurance was with SwiftCover!

Now I'm with Qwik Fit!

Hope all helps!

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