I'm looking for a 17/18 Year Old

[longy8ight]

Car insurance is an absolute joke imo,im 31 and im paying more now on a 1.8 escort than i did last year on my escort rs turbo,how do you work that out hey
i did see something funny on the news the other day about a lad that could not afford the quotes that he was getting on small cars like 106 etc so he brought a 1926 ford tractor and it costs him £56 a year fully comp to insure lol Some would say this aint very practical transport but if you tow a massive trailer you can take as many mates out with you as you can fit in it,sorted! just cant go very fast though lmao

[pro4nut]

Well i passed my test last year at first attempt, ok but i am 33 and to insure a 1.4 2003 civic 3 door cost me....£2700
So i decided to get a quote for a civc type r 2009 plate which quoted £1300.
Mental frankly
Next i decided to see what would happen if i based myself from a differant address same cars price dropped to £700 for either car.

One tip that can reduce price is if the car is shared with an experianced driver BUT the novice driver is the main driver with mum or dad as a named driver. This is not fraud as it just means someone else in the family is also allowed to use the car and the new driver gets to start gaining no claims.

[bodgit]

sorted cheap got a spoiler just dont tell his mates its a metro. needs some work but thats experience for if it breaks down.
http://www.autotrader.co.uk/classifi...40xd?logcode=p

[CrashBangWallop]

Fortunately I passed my test years ago when 2nd hand cars were cheap and i do not envy teens these days trying to get insurance. My 1st car cost me £100 and the insurance (3rd party fire and theft) was £303. So the insurance actually cost me 3x what the car cost. Ever since then my insurance has cost around 300-350 FComp whatever car I insure.

Back to the scam bit - We HAVE to have insurance, it's not like we can opt out. Insurance companys can basically charge what they like, if they all put up their premiums for everybody then we all have to pay more but a 18yr old paying £2000 p/annum a jump of 30% is huge + £600.

There is no simple answer but look for company's who are 'hungry for business' these usually offer cheaper insurance because they want to get in to a particular market i.e car insurance / bike insurance

Classic insurance normally has quite tight stipulations like driver/s must be over 21, restricted mileage etc etc so may not be an option if you are travelling high mileages for race meetings.

The other problem is new drivers get tarred with the same brush, young, just passed test, irresponsible = high premium. The roads are also these days a busy place therefore risk of an accident is higher due to an increase of traffic and we are all guilty ( i think ) of trying to get from a-b as quickly (within the law ) as possible.

Just my 50p's worth.

Help ! I have turned into a rambling old git.

[Chequered Flag Racing]

Getting closer to the day I need to buy insurance for my 18 year old and just found out that I could possibly save a packet by waiting two months

see http://forums.moneysavingexpert.com/...postcount=1774

[deano261]

im so glad i read this fully as i thought this cant be good especially when you consider the Thread title and the area its in lol

[shanks]

Originally Posted by deano261

im so glad i read this fully as i thought this cant be good especially when you consider the Thread title and the area its in lol

Your joking i found this thread to be such a let down!!!