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Post  racecams 02/08/11, 10:08 am

Hi I am 18 and a mechinic (autotec). And due to admitting beening in the motortrade have stupid quotes for insurents. my first year on my swift gls I was quoted just over £5000 I then eventually found it for £3000 with a curfew! Now my renewals up an there asking £2300 with 1 years NBC. In my opinion that is takin the p@£! Still! so I phoned adrian flux and they wanted £2400! Good for Young drivers my a@@£!

Does anyone know of anyone that could help me?
Thanks cam
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Post  Ryan... 02/08/11, 10:20 am

Admiral!

Add your mum and dad as named drivers! IT REALLY HELPS

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Post  racecams 02/08/11, 10:58 am

Ok I'll try that. my dad has 9 points so should I leave him off ? Sound like a stupid question but when it comes to insurents I don't have a clue. Lol
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Post  Ryan... 02/08/11, 11:09 am

Please spell it correct lol. Insurance.

Try it with and without. Most have an online quotes

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Post  Almondo74 02/08/11, 11:17 am

if ur in the motortrade cant u get a trade policy or do u have to be 21?

at 18 i imagine ur training. so ur a student Wink

id never pay that to insure anycar unless i was a millionaire with a rage lol

try endsliegh, swift cover and quinn(dont think they exist anymore)
they were cheap insurance for my first car all those years ago lol
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Post  racecams 02/08/11, 12:09 pm

Lol sorry bout the spelling. But ok. I have to be 21 to be on the company traders policy. So I will give the others ago. Thanks all !!
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Post  SUZUKI ROCKS 02/08/11, 03:27 pm

Also try fully comp instead of third party fire theft.

Sounds crazy but sometimes insurance companies will charge less for a fully comp quote then a third party one! Rolling Eyes

For example. I am currently using my full no claimes on another car so got a quote for my gti with no no-claims. Third party £750, Fully comp £191!

Try it out on a comparison web site and see if it works for you.
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Post  STEVEGTI 02/08/11, 04:13 pm

best thing to but is that your a car builder or gardener thats always cheapest for me also say your car is for social only get a limited milage policy eg 5000 miles a year and also what ever your cheapest quote is online ring adrian flux they normally will beat it you need to be 25 for traders inscurance some do it at 23 its odd. car inscurance will always be expensive for you because of your age


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Post  Almondo74 02/08/11, 04:44 pm

i think its got quite alot 2 do with post codes aswell

http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php

cus when i was looking at insurance for my ex, 18 , 0 no claims her named and only driver £1000 for a 306 hdi alot quicker than a swift gls. also it was only £1700 for a swift gti for her.

unless womens insurance is alot cheaper, even tho women cant drive! FACT!
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Post  racecams 02/08/11, 05:01 pm

£1293 elephant Smile tht better. Thanks. used confused.com In the end. Women's is alot cheaper my gf getting qoutes like £950 with her bro on it.
An she has no Ncb.
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Post  dominator 02/08/11, 06:04 pm

the cheaper womans insurance is suposed to be coming to an end isnt it?
i really feel for the young`uns nowadays, silly prices
the most i paid for it was £1000 on a mk1 astra gte, i was 19 at the time and no ncb Very Happy
im paying 275 with ALL mods declared on my swift now, some things do get better with age Wink

gary

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Post  STEVEGTI 02/08/11, 07:51 pm

haha see you cant beat confused sometimes and remember inscurance is completly negotiable its not a fixed price untill you agree to a contract.


i paid £2200 on my first gti when i was 19 was only 3 and a half years ago imagine these days its alot more on them now last gti i paid £1000 and that was cheap apparently

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Post  Almondo74 02/08/11, 08:11 pm

steve last year u paid £1000???
mine was 510 last week with mods declared
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Post  jesseswiftgti 02/08/11, 08:49 pm

just dont have insurence
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Post  Gedis 02/08/11, 09:06 pm

i wanted to get a 1l swift for daily use, last year cheapest insurance was 1500, right now it starts at 3500... a stock gti starts at 5500 for me... you can buy a pretty good car for that much... will try getting some papers from insurances and police from back home maybe it will count as a ncb of some sorts, almost 4 years of driving without a single accident must count for something...

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Post  swift-by-nature 02/08/11, 10:09 pm

I had a crash at 18 in my first year of driving, costs me £1900 a year after all the admin fees and hidden charges, almost got 1 year no claims. Now im over 21 and im getting quotes of £1500, only earning £9 a year after tax so thats a big chunk out of any money i earn. Age really does help with insurance and getting a few different driving licenses really helps aswell e.g heavy goods / tanks lol

My gf's dad has pretty much every license going after driving in the army and only pays £160 a year on a 2litre saab convertible
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Post  hobo 02/08/11, 10:35 pm

21 driving for nearly 5 years 1 years no claims £550 1st choice on money supermarket.com Very Happy
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Post  Ryan... 02/08/11, 11:00 pm

I would not bank on it!

Insurance companies and the government will sponge people like yourself for every single penny they can!

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Post  Stefan_s 09/08/11, 01:48 pm

im 17 and my insurance works out at about £2700 a year for my 1.4 civic which is the same as my mate who is 18 on his 1.1 saxo with 1 years ncb but for me to insure my swift i would be looking at about £4000 a year Shocked
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Post  stevieh6 09/08/11, 02:19 pm

£200 a year on my Justy Smile
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Post  gtpswift 09/08/11, 07:57 pm

I pay 660 a year, fully modifications listed, full comprehensive cover. agreed value of 3k
Only reason its so much is I have no NCB, 21 years of legal driving and always fully insured but the local boys (insurance companies) wont recognise it. should go down next year. \Was lucky with insurance company offerin 1 years NCB for 10 months payment. if the local industry accepted my actual history id pay about 250 fully moded.
Age is all that counts it would seem.

Cheers
GTP

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Post  chall 04/09/11, 11:37 pm

just got my swift and insurance is only £191 TPFT, 28, 9yrs ncb and 3 points. Good times!

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Post  ADAM 05/09/11, 05:28 pm

Dont wish to rub it on or anything, but im 21 and on the traders policy..... have been since 18 Very Happy Very Happy Very Happy cheers

Sorry couldnt resist!

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Post  STEVEGTI 05/09/11, 06:56 pm

what comp[any you woth adam are u named or the policy holder ?


cheers steve

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Post  racecams 13/04/12, 05:14 pm

ADAM wrote:Dont wish to rub it on or anything, but im 21 and on the traders policy..... have been since 18 Very Happy Very Happy Very Happy cheers

Sorry couldnt resist!

Don't mean to be rude or anything but.. I hate u with jealousy! I'm 19 2 years NBC an just quoted £2345 on the gti with none of the mods declared
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