Insurance for 21 yo girl.

whatmichaelsays

The value of your car isn't much of a consideration. You aren't just insuring your car, you're insuring the £150k Ferrari you could potentially hit.

As others have said, don't bother will fully comp. As a young driver, you'll have to put up with the "compulsory excess" - that could be up to £500 BEFORE you factor in the voluntary excess. Crash a £350 car and the best option would simply be to walk away from it.

House_owner

when I got my first car, my cheapest quote was from Diamond insurance (cheapest by £400!) - they are a woman only insurer, but you can put men on as named drivers (I have my husband on as a named driver)

catflea

In terms of the fully comp. It CAN work out cheaper so is definatly worth checking out.

Also, if you are only third party then you will have to pay for any recovery costs that you might incur as the result of an accident (imagine if you were hundreds of miles from home & how much that would cost!) If you suffer an injury as the result of an accident you can also claim for personal injury from your ins co whereas you cant with third party.

Other companies to avoid are Budget and Sabre...

rev_henry

House_owner wrote: »

when I got my first car, my cheapest quote was from Diamond insurance (cheapest by £400!) - they are a woman only insurer, but you can put men on as named drivers (I have my husband on as a named driver)

Interestingly, I'm male and Diamond have been giving me the 3rd best quote, as the main driver, my mother as an additional driver. Not quite sure why they're quoting for me at all as they're meant to be a womens only insurer. By the look of their website they're part of the Admiral group (Elephant as well).