The ultimate incentive worked! Now onto phase two

Tete_en_l'Air

He's the worst of the worse isn't he, male, under 25, driving less than two years? Eek!!

Dinah93

Irish licence, accident in the last year, yeah, hes a joy to insure. Currently playing about with moneysupermarket calculator trying to find vaguely affordable insurance quotes!

wendz86

Mine would be lower but I lent my car to my Mum whole I was at uni as my dad crashed hers. She did the insurance in her name so i haven't built up any no claims of my own.

OH is hoping to do his test again some time when his training has calmed down a bit. We will then probably share my car but am definitely making him pay the extra on insurance as he will be a new , male driver under 25.

Dinah93

So got some quotes. Slug is NIMs 11 year old Hyundai Coupe, Bu is my 7 year old Alfa Romeo 147.

Slug - NIM main driver, me named, fully comp - £683
Bu - NIM main driver, me named, fully comp - £1341
Bu - Me main driver, NIM named, fully comp - £613

So actually not as bad as I feared. NIM actually will have 1 years NCB built up through my policy (one of the reasons we went with Bell), and he's swapping his Irish licence for a British one, so that does bring his quote down a bit. Last year it was about £700 for 3rd party only on his car, and all these are fully comp this year (although might go 3rd party anyway on his banger - if he crashes it it's not likely to be economical to repair it). That said we really can't afford him to be main driver on a bigger/newer car as the quotes clearly show! If we do go 3rd party we can expect the quotes on the slug to come down maybe another £150 from that.

Tete_en_l'Air

Dinah93 wrote: »

(although might go 3rd party anyway on his banger - if he crashes it it's not likely to be economical to repair it).... If we do go 3rd party we can expect the quotes on the slug to come down maybe another £150 from that.

I found that on my old car the difference between 3rd party and fully comp was only about £7 annually - I guess because they think that any major damage and you'll just scrap a car of that age/value. Have you thought about adding your mum/dad as an extra driver to bring it down a bit further?

Dinah93

Aye we added dad this year, he brought it down by about another £30 so would do that again when we get to the detailed quote stage. Would look at the difference for fully comp/3rd party. If we have a £300 excess though it would be a bit daft to go fully comp as if it crashed we'd either have to pay all the repairs anyway, or they'd pay a staggering £200 towards them before it was uneconomical to repair and it was scrapped!

Flower08

Finally managed to get OH out the house and get everything done that we needed to! Although he did manage to moan about just about everything - think he must have got out the wrong side of bed!

Dinah93

Some days are just like that - I'm generally worse for it than NIM!

He's a right sweetie, I emailed him to show him the car quotes, he asked why I got them, I said to see if we can afford you a better car as you obviously really want one and he apologised and said he must have been going on about it too much, as he would be fine with a car that just doesn't leak oil!

Oh and an update on that front, a brand new part from Hyundai is only £65! Best of all though it is acutally 2 seperate parts, he can buy one without the other if we can work out which one it is he needs, and our mechanic will fit it for about £20 so thats a huge saving on what we were gearing up to pay.

roomontheend

dinah- good news on the car front at least at that price you can put nim off for a little longer.

Tesco_points_addict

Just thought I would pop in and say hello!

Cars are such a pain in the bum and the wallet aren't they!

Does anyone know how I can add a piccy please? I see the 'Insert Image' button, but then it asks me for a URL

Hope everyones ok

TPAx