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Discussion Starter · #1 ·
I passed my driving test yesterday (finally!) and have been looking at insurance but the quotes are sky high and way way to much.

Anyway the Co-op have this black box option and it makes it a lot cheaper and more reasonable but reading everything you can't do i may aswell just sit in the car and pretend to drive! So has anyone had this or knows about it as it's a good price but it seems very strict and i don't want to get into something that will end up costing me more?
 

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Congrats on passing your test!

I had a friend on one of these, and unless you drive like a Sunday driver all the time, the premiums rocket. Also you pay for other drivers crap driving or people not looking where they are going e.g. emergency stops, speeding up to overtake. They count these as bad driving when not your fault.

Have you tried Endsleigh if you are still in education, or Hastings? I'm with admiral and I hate them, but don't have enough money for a deposit somewhere else. How old are you and what have you got as a first car?

Mine was a Punto 1.1 and that was over £1400 being 20/female/low cost area and a P reg. I have a Hyundai now, same reg, 1.3 and being 22 with 2 years no claims, its still about £1100

Another hint, put your mum and dad as named drivers... lowers the premium. You have to be first person though on insurance. One of my friends was on mine, but now pays me every month because she puts the premium up. I have found confused.com to be the best comparison site for young drivers
 

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I wouldn't have a box in the car if you paid me!

Insurance companies aren't looking to lower premiums for their customers, that doesn't make business sense. Far too much potential for the insurance company to use the information gathered against you; travelled slightly over the limit? Braked harshly to avoid a dippy pedestrian? Travel on motorways a lot? All good excuses for the insurance company to demand a higher premium from you because you'll be seen as more risky.
 

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Discussion Starter · #4 ·
Thanks! I thought so. They make it sound great but as you say you can't be perfect 100% of the time! It even said if you take unsafe routes:(

I've been having a look around and will try the ones you mentioned - I'm 17 and the car i'd be insured on is a Renault Clio and the engine size is 1.4 i think. I thought it would be around just under the 2000 mark but the quotes have all been around £3000+ but normally around £4000 it's insane.

ETA: Every quote i've been adding both my parents as named drivers and it's helped but not by a huge amount but still helps:)
 

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The lowest quoted car we could find for our (then) 17 year old new driver was a Ford KA, colour affects quotes, red is the worst, avoid anything with a "sport/Si/ghia/gt" badge, add experienced drivers if possible and tell em your co-habiting, but not married......crazy quote engines

also, go through a quote till you find the best, dont book it online, ring em and say yr PC froze, our lad save £250 that way.....mental innit

his first insurance on a £800 KA was £2200 TPFT with no monthly payment option

he wrote it off after a month
 

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When my son first passed his test I did him the first years insurance - think it was with MoreThan, something called DriveTime. He couldn't drive after think it was 11pm and before 6am (not left stranged in an emergency you would just get a bill for £25 if drove out of hours), they fit a tracker in the car. Its a few years ago now so not sure if they still do it, it reduced the cost of insurance by something like 40%.

Do they still do PassPlus think that was supposed to knock about 10% off too
 

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Id rather not drive than have a black box, Big Brother is here!

To insure myself I will be at least £3000, as a named driver under OHs Im £1000 and Im 23. If your mum or dad will do it for you go for it x
 

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Ooooh... clios, saxos, fiestas, golfs, 106's, I found all really expensive when I was looking round. My dad offered me his saxo.. S Reg and that was something like £1700 a year! And being 17, you will be hard pressed to get a good quote.

Maybe look at something rubbish for a while, like a Punto, I know its not cool, but it gets you from A to B. New cars, big engines and young people = win for the insurance companies! I work in a casino and my premiums doubles instantly. Insurers don't like young people especially males, but rightly so as they are responsible for the most accidents on average,they have to cover their backs.

I have a toyota celica sitting in my garage 1.8 ready for when I earn my 3 years no claims... Cannot wait :D

I didn't know colour affected it! I have had white and green cars. My new one is red though :/
 

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My brother has a black box fitted with insurethebox.com he said he wishes that it had never been fitted because it goes by your driving performance and braking etc...etc he has a punto 1.4 he is 21 and it still costs him £4,000.

now how is that for cheap insurance:rolleyes:

some of these insurance companies need to get into the real world because some of the young drivers can't afford the car plus after they have had 40+lessons at £20 a go they need to do better
 

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Discussion Starter · #11 ·
Thanks for all your replies!

The reason its the Clio is because it's my mums car and she was going to sign it over to me so i could get full insurance as the car they bought for me would be sky high in insurance and it's basically for my parents and me.

I tried quoting my mum as the main driver and me as a named driver but it was still into the £3000 but she's going to look into other options and hopefully get something.

I went on the compare wesbites to have a rough idea what to expect and one company quoted nearly £4000 on that but when i went on their site it was £2517 but have to pay in one go and i can imagine phoning up would save more. It's nuts!

Doodles i'll have a look into that as it sounds good and i won't be driving that late anyway and i'll have a look at the website you posted Collie:)
 

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Try octagon insurance very, very reasonably priced or it was for us my OH has been driving *ahem legaly* for 4 years and we paid £800 this year still sounds a lot but he was in quiet a bad accident last september not his fault but apparently he should of been able to break when an uninsured driver flew round a roundabout just as we were going for our exit and cut in front of us obviously missing his exit and trying to go for it at the last minute. Anyway it was the cheapest by far for us.
 

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Another sort of way around high insurance prices is too buy a Classic car and get Classic car Insurance as it is much much cheaper but don't buy a Classic Mini as it doesn't seem to count for them, my friends daughter has done this and she has an old Morris Minor and the insurance was very cheap for her a 18 year old to insure.
 

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Discussion Starter · #15 ·
One company mentioned something along the lines of that saying if we got a Volkswagen Beetle it would be cheaper but it had to be the old shape.
 
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