DeletedUser
Guest
Anyone here drive? What's your insurance like? I'm taking lessons, and started looking at cars. Saw a Fiesta, '98 plate, £300. Insurance? £1926.
.....
.....
What ltr?
Tbh you gonna have to expect to pay that sort of money, insurance on my first car was £2500
Im still paying £900 a year now and ive been driving 5 years with 5 years no claims lol insurance is a joke
It's not the value of you car that matters... it's the damage your do when you crash into some poor helpless old bloke driving his brand new BMW whilst your trying to show off to your mates or impress a girl...
tis cheaper at first... but in the long run is more expensive as you don't earn your own NCB...
plus if you crash on your mums insurance, hers will go through the roof...
not to mention that if it's your car, but insured in your mums name as you as a named driver, tis actually illegal and if you crash and the insurance company puts some effort in and finds out, they won't pay and they will ask the police to prosecute you for having no insurance which could result in you losing your license and having a very hard time ever getting insurance of any type ever again...
Not saying it will happen... but it could...
IMO buy a cheap car with a tiny engine, get 3rd party only insurance... keep your head down and drive safely for a few years...
guys are more likely to have a crash in the first 5 years of passing their test then not... crashing in a small engine car at 40 miles an hour and your probably walk away... crash at 60 miles an hour in a big engine car and your unlikely to walk away... but worst of all is that you crash and walk away, but kill someone else.. your mate in the back seat that didn't have his seat belt on... some innocent stranger minding their own business that you crash into... if that don't fudge up the rest of your life nothing will...
Being in Sheffield at uni I haven't had need of a car, however the insurance was crazy when I learned to drive. WIth Dad as the named driver on the car with me on his policy and with 3rd party insurance that was £1600 for a year, on a 1.1L peugot 106 that was 10 years old. And that was back in Cambridge where the crime rate on cars was lower, so the insurance was slightly lower.
Now, living further north the insurance is a lot higher. If I registered it at my parents address (the most likely for me to register it to), then having the ST postcode means that the insurance price rockets, due to a higher volume of car theft and damages in the ST code area. I think a brief look last year to insure me on the same car was going to be £1900. Mind you, if I was to take the pass plus test, and the advanced driving course then that would certainly lower the insurance a bit, however a lack of money prevents me from being able to do that currently.
My mums plan is that she's insured for any car. Having me on the plan would make me insured for any car too.
should reduce your premium.. but probably not a lot as still underwritten on you...
unfortunately young drivers are stuffed... as Jamie says advanced driving courses and and qualifications help... and do some research on the car, not aways the cheaper and slower the better, car safety is taken into account and although you probably don't want to drive one a old skoda estate is gonna be cheaper to drive than a old fiesta as no self respecting boy racer is gonna drive an estate, let alone a skoda...