Just passed driving test - need help!

Soulja

Hi I passed my driving test a few weeks ago. I wanted to get insured on the family car (astra). I am 21 years old.

1) Insurance was coming to £2700, which is out of my price range.

2) My dad has 4 months left on his policy with endsleigh. To add me to that policy it would cost £1400 extra just for the few months remaining:mad::mad::mad:

3) I checked how much it would cost on confused.com if I took out a new policy under my dads name. It wasnt too bad, the best was with esure at £600. He already pays £200ish so it was only £400 more. However, there was one downside, no claims was not protected. Does anybody know if I phone esure direct, would I beable to get no claims protected? Does anyone know how much extra it would cost? (The reason I am not phoneing them to ask is because I dont want to go through the long winded procedure of going through all my details because I want to take the policy out in january, thought it would be quicker as someone would know here)
This policy I would have to take out in january when the current policy ends. So I am sorted for then. I have no idea when it comes to insurance, so if anybody has any tips on anything else I can do?

4) I am sorted for january but it is 4 months till then. Anyone who remebers passing there driving, would know you just want to drive drive drive - 4 months is an eternity. So I looked at taking out day insurance for odd days, I cant even do that as you have to be 25:rolleyes: Does anybody know any company that would insure a 21 year old for day insurance?

5) My next step was to look to hiring a car. However the few places I phoned said you needed your licence for atleast 2 years. However a quick google showed shoed that people managed to hire a car within a few months of passing but the same companies said I need to wait 2 years when I phoned. Can anybody recommend any company I could go for that allow me to hire a car?

I feel frustrated because I am priced out of insurance for now, cant take day insurance and cant hire a car! As you can tell, I am itching to drive:o

I greatly appreciate any replies, I know the people on here are very helpful.

Pew_Pew_Pew_Lasers!

What do you mean, "took out a new policy under my dads name"?

Throbbe

^^^

If your dad is still the main driver an you are using it this is fine, but if your dad is fronting a policy for you to drive the car as the main driver that's a bit naughty.

As you're learning quickly, just buying a car is only part of the expense! Personally, I'd find a cheap to buy, cheap to insure runabout and drive that. You'll be building up your no claims, and you wont mind to much if you bump it.

Soulja

What I meant with my dad was, taking out a policy under his name and me being a named driver in the policy.

Thanks for the replies. Would like to buy a cheap car as you mentioned but I am just starting a post graduate course which has eaten up most my funds so unfortunatly I cant do that.

Just found out that swinton insure 21 year olds on day insurance at £26 a day for me, a bit expensive but atleast I have the option:beer::beer:

EDIT - How do I find out which cars are cheap to insure? thanks

McKneff

You cant buy a policy in your dads name.
the policy holder must have a financial interest in the car that is being insured.
ie he must own it.

rev_henry

To answer your original question. I imagine if you called up esure or just went on their website you would indeed be able to protect your NCB. I imagine it would be an extra £50 or so.
Do you know about how insurance groups work? All cars are put into a group from 1 to 20, 1 being the cheapest to insure. I believe cars also become cheaper to insure as they get older as well.
http://www.parkers.co.uk/insurance/Groups/by-group.aspx?ig=1#ig=0
That website is very good for car and motoring info generally, and that link shows you all cars in group 1, you can have a play around seeing whats in the different groups.

To keep costs down I'd look for something no higher than group 4, but the lower the cheaper.

foxy-roxy

Cars under 1.4 and basic models, no mods etc. Saxo's are notoriously expensive though as they are renowned for 'boy racers'
Corsa's are quite cheap to insure and run, i had corsa's for the first few years, great way to build up no claims.
I do know how you feel, as soon as i passed my test i had to go back to work:mad:
all i could think about was driving, luckily i got insured that day (thanks daddy ) for £600 for the year:eek: although that was reduced alot because i had done my pass plus, and still £600 was cheap for a 17 year old even then (nearly 10 years ago:eek:)
Good Luck OP and be careful, there are some bad drivers out there.

Ebe_Scrooge

Soulja wrote: »

EDIT - How do I find out which cars are cheap to insure? thanks

Plenty of sites on the internet - here's just one :

http://www.parkers.co.uk/insurance/#ig=0

Basically, the lower the insurance group, the cheaper it will be to insure. But for a young driver who's only recently passed their test, I'm afraid it's going to cost :-(

As a VERY rough guide, the sorts of cars that are cheap to insure are those that have low performance / engine size, are cheap to repair when they do get pranged, and are not attractive to thieves. So something like a 1 litre Corsa will be cheaper than a 2 litre GTi something-or-other.

There's a lot more to it than that, but that's the very basic starting point.

cyclonebri1

Forgive me if I missed anything,

BUT, what you need is a policy in your own name, what you don't need is any infringements in the next 2 years.

Go squeakyclean for a while and you may just get reasonably priced insurance by the time you are 25, sorry but you will pay for your less responsible siblings

vaio

McKneff wrote: »

You cant buy a policy in your dads name.
the policy holder must have a financial interest in the car that is being insured.
ie he must own it.

Nah, lots of people insure cars they don’t own, my OH for one, anybody who has a lease or financed car for lots more

Soulja

McKneff wrote: »

You cant buy a policy in your dads name.
the policy holder must have a financial interest in the car that is being insured.
ie he must own it.

The car is my dads car - I stated that I wanted to get insured on the family car.