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jordan_macgregor
Hi

Im 21, with 2yrs* NCD and 3yrs experience and its that time of yearr when i need to renew my insurance. Iv got 3 quotes so far -
£1100 from the Co-Op, iv been with them since i bought my first car
£916 from Admiral and unbelievably -
£430 from Direct Line,

Does the Direct Line quote seem too good to be true? I think i'll phone them tomorrow and see what the script is....

*the 2yrs NCD over the 3 years is due to a technical error with my mum cancelling the insurcance on my old car [in which i was a named driver, because it was her car to begin with] resulting in me loosing a years NCD.

What does everyon else about the same age pay for their insurance and from what company?
stef123
I have been with direct line for 2 years - not consecutively, haven't dealt with them with regards to a claim or problem so i cant comment on that. this year i have insured 2 cars cheaper than 1 with admiral.
jeebowhite
my car with 3 years NCB and one accident behind me in the Cee'd (about £30 different to insure than the Focus) and I just paid for a ten month policy £707...

Its not a bad price, but it sounds like they have an ace up their sleeve...
jordan_macgregor
[quote name='jeebowhite' timestamp='1342620074' post='194466']
Its not a bad price, but it sounds like they have an ace up their sleeve...
[/quote]


Thats exactly what i thought but, i phoned up, ran through the policy with a dude and its almost the exact same as my old policy, except, i cant drive anyone elses car - but iv never had to do that anyways! £515 all in...that'll do nicellyyyy!
catch
[quote name='jeebowhite' timestamp='1342620074' post='194466']
my car with 3 years NCB and one accident behind me in the Cee'd (about £30 different to insure than the Focus) and I just paid for a ten month policy £707...

Its not a bad price, but it sounds like they have an ace up their sleeve...
[/quote]

jeebo are you claiming to be 21 then :rolleyes:
jeebowhite
too old for 21 catch... 23 :P trust me though, I feel as old as the year I was born, as opposed to my physical passing of years!!!
vegas
I remember the high insurance quotes I'm 32 now with 12 years no claims I have a focus st 225 on a 2006 & I pay £300 ,but I used to pay £1600 for a 1.0 nova in 2000 !!! They just take the piss out of young drivers!!!!! But it does get better hang in there
vegas
In fact £430 from direct line at 21 does not seem that bad !!!!!!!! Keep me informed
jordan_macgregor
[quote name='vegas' timestamp='1342985204' post='195612']
In fact £430 from direct line at 21 does not seem that bad !!!!!!!! Keep me informed
[/quote]

Yeahh its no bad, its actually £515 because i pay monthly and i added breakdown cover for £68, still better than £1100 though!
Brigante
Mine ended up at around £1700 fully comp after adding on all the extras and breakdown cover etc with admiral, direct line wouldn't even quote me.
GSM
700 fully comp with Admiral. 22 driving a 2006 Focus Ghia 1.6L 100ps... 1 years ncb with 21 year old gf as named driver.

10 month policy though.
Brigante
[quote name='GSM' timestamp='1343606857' post='197454']
£700 fully comp with Admiral. 22 driving a 2006 Focus Ghia 1.6L 100ps... 1 years ncb with 21 year old gf as named driver.

10 month policy though.
[/quote]

How'd you manage that one mate? Mine was originally 1100 but after every extra going and breakdown cover etc it ended up at 1700. Probably cause it's technically my 1st car, cause I used to get company cars in previous jobs so I had a different car every week and never needed my own, so I have no ncb.
GSM
[quote name='Brigante' timestamp='1343607184' post='197455']
How'd you manage that one mate? Mine was originally 1100 but after every extra going and breakdown cover etc it ended up at 1700. Probably cause it's technically my 1st car, cause I used to get company cars in previous jobs so I had a different car every week and never needed my own, so I have no ncb.
[/quote]

No idea mate... that's just what it is.

I put my annual estimated mileage down as 8,000 miles. I got the car in early March and it's now July - that's 5 months and I've done 4,000 miles, so I might go over it a tad, but it's just an estimate anyway.

I keep it overnight in a residential parking area, so that probably saves a few quid.

Voluntary excess of £250.

And my girlfriend is on it as a named driver which, at the time, brought it down a fair bit, but it might not do so next year once the new EU laws come into force. But I renew in December and the laws don't come into force until then, so hopefully I can get in just before it!

Only one years no claims bonus, so not a huge amount.

I can't remember what options I took - not many. I didn't take the breakdown as I have that through my bank, I know that a least. And knowing me as a penny pinching so and so, I probably never took many of the others either! Maybe personal injury and/or hire car.
MrGrumpy
I pay just under £1200 for my 1.6 Ghia 115, fully comp, 1years NC, a years driving experience
JoeyG
1.25L Fiesta Zetec - 19 years old, 1 years NCB, 2 years driving experience. £1400.00 eCar - should get 2 years NCB in 5 months.

Thats with changing my car in the middle of my policy, they just added it from £120.00 a month in a Ford KA MK2 Zetec to £160.00 in a Fiesta, I pay monthley so its more than £1400.00 but hopefully should knock a few hundred quid off when I'm 20 and 2 years NCB.

:-)
Haz93
Okay so just been on compare the meerkat. 19 yrs old, 1.5years experience, 1yrs NCD focus Zetec S 1.6 125bhp quote was 950 a year!?!?
A bit shocked really as it was 2500 last year
lwardie
I'd definitely be cautious with Direct Line, I used to work for them on the claims side and they look for any excuse to not pay out also you're not guaranteed a curtesy car either even if you use their recommended repairers its down to the garage to provide one if they want to. Plus if it's an older car any sort of accident will more than likely result in either cat c or d total loss and their engineers will try and deduct anything they can off the value.

Currently an independent investigation into Insurers on a whole into the price they are offering for total losses as everyone knows they will only pay market valuation and not the cost for to replace for like for like, the FOS are taking this into account too in their decisions so never settle for the value they give.

I'm now 22 I'm paying £1900 for 1.25 mk 4 fiesta rip off central.
SteveandMichelleFocus
I'm dreading when they change the laws for women, we are due renewal soon and had quotes of around 600 for both of us, me as the main driver- female age 23 with 4 yrs Ncb and Steve is 25 with 3 yrs Ncb but who knows how much it will be next year!!:( but pleased with that quote on a 2.0 tdci focus zetec s.
JayJay86
Hi.. when your 25 it does go down abit (im 26).. 2yrs ago i had a 1.8 ford mondeo and i was paying 600 a year, im picking up a '98 ford escort 1.6 in 2 weeks and my insurance company (elephant) want 800.. but i dont want to cancel the insurance iv already got coz only had it 7months and i really need to build a no claims.. iv been driving 9yrs but only 5yrs with a licence but i still have NO NO CLAIMS BONUS coz i get bored after 6months, so sell it an cancel insurance.. so 800 i guess aint bad but i dont see why its more expensive to insure a 1.6 escort than a 1.8 mondeo.. i always put both my parents on my insurance as named drivers which knocks a couple hundred quid off.. insurance companys will rip u off if they can get away with it..
minnis
I'm 19, with license for 18 months but no NCD (couldn't afford the insurance before this!) but some experience. Pass plus included, and no accidents, points or anything. I'm driving a 2006 Focus hatch Ghia 1.6TDCi. Just before I bought the car I was quoted £1800, but after I bought it and went to buy the policy, the cheapest I could find was £1900 for a black box, or £2200 from Tesco! :angry: That's with both of my parents on as named drivers. I went with Tescos.
Tried every single comparison site I could find, as well as several sites who weren't on them. Black box insurers, young driver insurers... I tried them all.
Even tried an insurer who specialises in 19yr olds, and was told I couldn't be covered because of my age...
Big_dom91
Am 21 with 2 years ncd an mine is 3,000 on a 59 1.6 zetec focus no points never been in an accident its just a rip off
gumpy321
Some areas are a massive rip off. It all really comes down to where you live and your claims history.

But 3K though, damn, it's basically nothing money at the end of the day. Ok, if you have an accident you're covered and your legal to drive, but it's a bit like paying rent to a flat that you'll never own.

I'm surprised some young'uns can afford that kind of money on poxy insurance!
Cammy
im 19 yrs old, got a 1.25 ltr fiesta lx 04 plate, £2,049 for one year in one payment. this is my first policy however but my god the prices for young drivers are unreal, thats with churchill
PaulE
23. Been driving four months, no ncd.
Put my girlfriend on who has 5 years NCD as a named driver.

£1850 per year, £2100 after paying yearly.
Tesco Car Insurance.

Prices ranged up to 12k.
1.8litre 2006 Focus MK2 Climate.
Wayneo01
23 only just really started driving had no need to before hand - insurance for the year is 4000 i drive a 1.6 TDCI fiesta 09 plate, Think i am winning :)

Just got a brand new Audi A5 from work aswell (Company Car). I pay nothing on that and its a 2Litre would not like to think how much that would of cost me if i had to pay the insurance.
Stoney871
I reckon double.
Insurance companies can't refuse to quote you but will quote stupidly high amounts, it's their way of telling you to bog off without actually saying it.
Wayneo01
I love my fiesta its pretty much the car i learned in aswell so nothing was going to stop me getting on, i understand thats a stupidly high insurance amount but it was the cheapest anywhere unless i payed 1000 and had a 3000 excess.

Aldoo
18 (nearly 19 yr old) and 18 months driving but no NCB

families multicar is due in january so i paid 800 for 5 month till then and they said they'd give me 1 yr NCB for it :D
on a 06 focus sport 1.8 TDCI


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