Young Persons Car Insurance

Relic4 · 27 July 2009 at 2:47PM

Hi,

I'm a 23 year old male looking for insurance for my first car - a 99 Civic 1.4.

I have read the guides and tried numerous different combination's to get the lowest price. (storing in garage, driveway, mileage, 2nd experienced driver to lower the premium). Also I have only had my license since Feb 09

I have tried several direct and many comparison sites, the cheapest I have found is £1326 3rd P F&T from E car insurance (from confused and comparethemarket) & 65 i think off quid co.

To me this sounds ridiculously expensive, I have looked on forums and some have a lot lower:
"just got a quote for a 1.4 Skoda Fabia comfort x reg (2001), im 21, only had my license a year, and have only drove for a month anyways, Quinn Direct gave me quote of £635 for TPFT or £740 for fully comp." (posted june 09)

Can anyone recommend any other insurers, tips to lower my quote or why mine is so high. Alternatively a confirmation that reality hurts!

Thanks in advance,

Al

madame_cholet · 27 July 2009 at 2:54PM

Hi Relic
When we insured our 18 year old son for using our 1.4 SEAT Ibiza, we found Direct Line to be the cheapest by quite a bit. Have you tried them?

pitkin2020 · 27 July 2009 at 3:09PM

problem is you have chosen a civic, if you had gone for a skoda it would be cheaper, butyou have chosen a car that is chosen by the under 25's and is usually heavily modified, and has a boy racer image.
I know its hard to get insurance my first year was £1300 for a1.1 pug 205 TPFT, i always added someone over 25 to my insurance and it always brought it down but added that its garaged (only if it is) and under 10k per annum thats about all you can do.

Relic4 · 28 July 2009 at 10:01AM

Thanks for your replies, I did pretty much all insurers from a to z. E Car insurance came out the cheapest and I ended up biting the bullet and spending £1350!.

Slightly painful but I'm sure I'll get over it and now I can hopefully jump on the car ladder and start getting NCB's

Al

4d1_2 · 28 July 2009 at 8:28PM

Bit late now, but youngmarmalade.co.uk would have done insurance for around £600 if you had bought a 1.4 engine car through them.

dacouch · 28 July 2009 at 9:46PM

Young Marmlades Policy is underwritten by Zenith who if you have ever had dealings with them you would probably avoid as they are a cheap and not very cheerfull Insurer

dry_ed · 28 July 2009 at 10:37PM

Update Note:

There is now a full Cheapest Young Persons Car Insurance guide

___________________
hi there ,
sorry for gettin in on yr thread i am new hee and need some real expert advices... i do have a skoda felicia 1.3 lx1 which i bought recently... i have been trying b4 i did this to find a decent insurance for an older woman driver... yep all the normal sites.. left me even more ocnfused.
you see i dont realy know what to do for the best i can gt my parking perm with out so its at family's driveway.safe cos its taxed n mot.
now i have had some crazy quotes like the young lad you replied to, i now have some realy good fully comp quotes. which seem to be much less the 3rd pft.
the quotes i have are from kwikfit and the other from 1st century. pls tell me do i go for fully or just 3rd......
is it worth me going fc being 50 and firsttime female driver... though i have been dring my friends as she made me a named driver on her ins... wich she has had for 10yrs with no claims..

im so confused and begining to wish i neverbrought the car in the first place. im on a sick pension so cant afford all in one go so opted for installments which i know i will pay more for but the price was realy good £463..fc and £500fc.

i shall desperatly await someone's knowledg.
thnking you in advance
jacki :mad:

pitkin2020 wrote: »

problem is you have chosen a civic, if you

had gone for a skoda it would be cheaper, butyou have chosen a car that is chosen by the under 25's and is usually heavily modified, and has a boy racer image.
I know its hard to get insurance my first year was £1300 for a1.1 pug 205 TPFT, i always added someone over 25 to my insurance and it always brought it down but added that its garaged (only if it is) and under 10k per annum thats about all you can do.

Quote · 28 July 2009 at 11:05PM

Relic4 wrote: »

I have looked on forums and some have a lot lower:
"just got a quote for a 1.4 Skoda Fabia comfort x reg (2001), im 21, only had my license a year, and have only drove for a month anyways, Quinn Direct gave me quote of £635 for TPFT or £740 for fully comp." (posted june 09)

Apart from the fact that most of the time you have no idea where these people live (your address being one of the main contributing factors in a car insurance quote) - you should never believe what anyone says they pay for car insurance.

There are three things people generally lie about. How much they get paid, how much they pay for car insurance, and how much their children sleep at night.

Everyone wants to think that they have the best deal.

Young Persons Car Insurance

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