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Insurance For Young Drivers...

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#16 Haz93

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Posted 11 September 2012 - 10:41 AM

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

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#17 lwardie

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Posted 11 September 2012 - 07:34 PM

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.

#18 SteveandMichelleFocus

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Posted 14 September 2012 - 06:13 AM

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.

#19 JayJay86

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Posted 19 September 2012 - 03:30 PM

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..

#20 minnis

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Posted 27 September 2012 - 05:34 PM

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...

#21 Big_dom91

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Posted 02 November 2012 - 06:30 PM

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

#22 gumpy321

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Posted 02 November 2012 - 10:14 PM

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!

#23 Cammy

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Posted 07 November 2012 - 10:29 PM

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

#24 PaulE

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Posted 08 November 2012 - 12:44 AM

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.

#25 Wayneo01

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Posted 11 November 2012 - 09:40 PM

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.

#26 Stoney871

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Posted 11 November 2012 - 10:09 PM

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.

#27 Wayneo01

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Posted 11 November 2012 - 10:27 PM

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.



#28 Aldoo

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Posted 11 November 2012 - 11:29 PM

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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