Good deal with first time car insurance

camason

Hi guys,

Just thought I'd share my story; perhaps it will help somebody!

I'm 20, and I've just bought a VW Polo 1.6GL for £1900. The car has got all service history, all old MOTs, repair receipts etc... it's in excellent condition! And the seller (trader) is having it MOTd tomorrow for 12 months, inclusive in the price!

It's my first car, and I first searched for insurance on confused.com. The prices ranged from £900 to £2500 for third party, fire & theft.
For the past year, I've been a named driver on my girlfriends car, and after adding her details to my quote as a linked policy, my quote with them dropped to £780.

I called up a few other insurers, but nobody could beat it, so I swiftly took the cover out (to start tomorrow).

Whilst browsing the Direct Line site, I noticed that they mentioned that people who have ridden Motorbikes can use their bike's no-claims bonus towards their car insurance. Well, I've ridden a moped for 4 years, without making a claim, and I just cancelled my policy with them today (which infact gave me a £46.34 refund on the £125 policy, which was nice!).

I told this to direct line, which they then applied to my policy. My insurance quote dropped by a whopping £300!

And so, take off the extra £46.34, I'm now paying £448.21 including breakdown cover, third party fire and theft, on a £1900, 1.6 L first car!

To be honest, I don't think I could have asked for anything better!

Oh, and to note, Direct Line also said I can switch from monthly installments to pay the remaining balance off in full with no penalty, at any time (just incurring the interest up until the current point).



Craig

highguyuk

Well done, thats an excellent deal ...

greyster

nice story.

I'm 24 and did the same kinda thing except nobody over the phone could beat the insurer at top of my moneysupermarket quote list. Everyone was "no way, cant beat that."

I got fully comp for £550. It does seem that although we're both new young drivers, the age gap does make a diff.

Do you have passplus? I did get a approx 30% reduction with my insurer. The course cost me £100.

camason

greyster wrote:

Do you have passplus? I did get a approx 30% reduction with my insurer. The course cost me £100.

No, I didn't... when I passed my test last year, I knew I wouldn't be getting a car for a while. It was something I was going to consider before I got a car.

It's been quite a quick purchase! I decided I needed a car on Monday, found one on Autotrader on tuesday, looked at it on wednesday, left the deposit on thursday, bought it on friday