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#1 jordan_macgregor

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Posted 15 July 2012 - 09:10 PM

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?

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#2 stef123

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Posted 15 July 2012 - 09:46 PM

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.

#3 jeebowhite

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Posted 18 July 2012 - 02:11 PM

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...

#4 jordan_macgregor

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Posted 20 July 2012 - 08:26 AM

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!

#5 catch

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Posted 20 July 2012 - 09:31 AM

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 :rolleyes:

#6 jeebowhite

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Posted 20 July 2012 - 12:33 PM

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!!!

#7 vegas

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Posted 22 July 2012 - 07:33 PM

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

#8 vegas

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Posted 22 July 2012 - 07:36 PM

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

#9 jordan_macgregor

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Posted 23 July 2012 - 10:08 PM

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!

#10 Brigante

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Posted 29 July 2012 - 11:56 PM

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.

#11 GSM

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Posted 30 July 2012 - 12:17 AM

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.

#12 Brigante

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Posted 30 July 2012 - 12:23 AM

£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.

#13 GSM

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Posted 30 July 2012 - 10:39 AM

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.

#14 MrGrumpy

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Posted 30 July 2012 - 06:16 PM

I pay just under £1200 for my 1.6 Ghia 115, fully comp, 1years NC, a years driving experience

#15 JoeyG

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Posted 11 September 2012 - 09:29 AM

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.

:-)

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