1st time driver. Am I doing something wrong re:insurance?

Chris22

Chris22 wrote: »

I've always been taught that it should, if they have more experiance / no claims than you.

Any idea if this is not the case??

gardner1

Chris22 wrote: »

Hi,

Long time reader, first time writer.

I've followed Martin's tips on how to get the best car insurance quote.

I checked my job status (trainee office manager) and changed it to something similar with better quotes (assistant manager), i've been through every site mentioned using the following information:

I'm 22
New driver
Third Party Fire & Theft
Parked on a street
Under £6000 m/py
Ford Focus 2000 1.4ltr Zetec (market value around £1,200)

and the best quote i've found is £1865.98

Now, it isn't awful, in fact if I pay using a 0% interest credit card (12 months) then the monthly repayments are £155.41, which is around what I expected to pay, but I was really expecting to get much closer to £1500.00

Is there anything i'm doing wrong?

driving a focus wont help at all 1.0 lt yaris would be way cheaper

Chris22

gardner1 wrote: »

driving a focus wont help at all 1.0 lt yaris would be way cheaper

The thing is, i'm getting a ridiculous deal on the Focus since i'm buying it off my brother.

It's a Ford Focus 2000 1.4ltr zetec, MOT passed last week, tax renewed last week, no crashes, full service history, 79k miles for £900.

I don't think i've ever seen a better deal since he's selling it to me at the price offered by the garage.

adamc260

Jeez I'm only 21 and I pay £500 quid roughly fully comp with a 150x/s and my dad as a named driver... Even when I started driving at 17 with a ford fiesta it was only about £1600-1700.. insurance gone up loads eh all those whiplash/fraudulent claims people make!

Blackpool_Saver

Chris22 wrote: »

I've always been taught that it should, if they have more experiance / no claims than you.

yes but it doesn't take away the young inexperienced driver it just adds more risk, I still don't get it.............

dizzyblonde82

My husband passed his test about 2 weeks ago and tried to insure a rover 45 1.4 which was given to him by my uncle and the best quote we could find was £1300 third party, fire and theft - by adding me as a named driver it brought it down to £479

I have had my licence for 10 years and have 9 full years no claims.