Student with a car

Justduggan

Hello =D
I got a '95 1.1 Fiat Punto 55sx 2 days ago
Being 17 my insurance is going to be high, and I can't go on either of my parents insurance (mobility car/Don't insure under 25's) cheapest has been £1590 without passplus :mad:

So to save money, I've aimed at fuel consumption, Any tips on getting the most mileage out of my car?

Thanks

hewhoisnotintheknow

dont drive it hard

yvonneem_2

Today my daughter aged 17 insured a 04 Punto active sport for £598 with direct line. Her dad is policy holder and she named driver earning her own ncb. I know you said you can't get your parents to do it for you but do you not have older experienced relative who would do this for you?

Justduggan

Hey Yvonne

Only older experienced driver is my Grandad, I've been told you can't use NCB on two policys?

I asked my dad about what if he was the policy holder and I was the additional driver (with direct line, where I got the current quote from) But he said that because of his current policy he can't use his NCB on another policy, He has 22 years NCB but I doubt that will make a difference lol

norbie

Get your parents to insure the car in their name and add you as a named driver. It will be much cheaper.

Alternatively just buy a buss pass. The savings will be astronomical. Imagine if you crash in your first year, next year's insurance will be double!

MX5huggy

Try adding your dad as a named driver, somtimes this reduces the cost.

Justduggan

Added my mum as a named driver, got it down from £1680
My mum has no NCB as she was on my dads insurance ages ago, then they split, and since then she's always had a mobility car and so hasn't been gaining NCB which sucks

I'm sure there's a way to get my insurance at least under a grand, just need to know how =|

anewman

Have you tried *all* the comparison sites? Also try some of the cheaper insurers directly on their own sites, and give www.ecarinsurance.co.uk a try. Make sure to declare all security features (immobiliser etc). Also give third party fire theft a try as that can sometimes be cheaper than third party only.

yvonneem wrote: »

Today my daughter aged 17 insured a 04 Punto active sport for £598 with direct line. Her dad is policy holder and she named driver earning her own ncb. I know you said you can't get your parents to do it for you but do you not have older experienced relative who would do this for you?

norbie wrote: »

Get your parents to insure the car in their name and add you as a named driver. It will be much cheaper.

Alternatively just buy a buss pass. The savings will be astronomical. Imagine if you crash in your first year, next year's insurance will be double!

This is called "policy fronting" and is illegal. The NCB is also only usable with Direct Line so pretty much worthless as most other insurers will be cheaper anyway. And if you crash the insurance is invalid, and will not pay up, a

Read here for further info and details from a source other than me so you know I'm not telling porkies...

http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm

Justduggan

I first tried comparison sites and they came up as £2000 minimum
Guess there's no other alternative than to just pay the outrageous prices

Thanks for the help

anewman

The other thing to do of course is to change the car. The best approach is to get quotes and ensure you can afford the insurance *BEFORE* buying a car. I think you will find some other cars may well be cheaper on insurance, if you stick in a few other different cars.

Justduggan

Tried the eCar quote and it came out as £2000 3rd party f+f