27 replies to this topic

[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]

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

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]

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...

jeebo are you claiming to be 21 then

[jeebowhite]

too old for 21 catch... 23 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 !Removed! 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]

In fact £430 from direct line at 21 does not seem that bad !!!!!!!! Keep me informed

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]

£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.

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]

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.

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.

:-)