Motor Insurance Prohibitive for Cheap Car

mikey72

dacouch wrote: »

Try Collingwood who can probably offer cheap monthly policies for you to learn, once you pass you will need to arrange cover with someone else though.

hhttp://www.collingwoodlearners.co.uk/

try a local broker for a quote as well but do not try Swintons

Did they fire you once?

I second collingwoodlearners, and also use swintons brokers myself. They have always done well, and can match any quote normally, or have cashback offers. Always at least worth a try.

Idiophreak

deannatrois wrote: »

I guess paying for two drivers is just going to be more expensive however more experienced they may be than you.

You don't need to guess - the posters above have told you that adding a more experienced driver - as a second driver on your policy - can reduce the overall cost.

I added my mum on my first policy and it reduced the cost by £150 odd, so well worth thinking about.

Alternatively, you could think about selling the car and getting something else instead - a nissan micra, maybe - obviously it depends on the requirements for your son, but a smaller engined car may cut costs.

Finally, be assured that the cost of insurance drops rapidly - normally 30-40% for the first 3 years - so in 3 years time the 900 may well be down to 300. I paid £1200 for my first year in a crappy old Nova (as a young lad), but I'm down to a couple of hundred five years later - it's just something you have to put up with in life. As a new driver, you're a liability.

Strider590

deannatrois wrote: »

I have a W reg 5 door 2l Vectra. I need to learn to drive in it and use it afterwards obviously.

I own a 2004 Vectra, so the next shape on from yours.... However imo these cars are too big/long and too powerful for new/learner driver!
Situational awareness is hard enough to learn without having to worry about having 6ft of metal behind you....

With a car this long you have to "swing" the car out the wrong way before turning the direction you need to go, else you'll catch the back of the car on the apex of the turn.

Parallel parking was bad enough in an Austin Metro, id hate to have tried it in a Vectra! (although now it's easy as pie).

3 point turn in a Vectra? not many places wide enough!

Weirdlittleman

tbh £900 for a learner driver on a Vectra isnt ridicolously expensive. If the OP can't afford that they can't afford to drive as its potentially going to be even dearer when they pass.

Strider590

Is it the 2.0 diesel? 2.0 Petrol or the 2.0 Petrol Turbo? (2.0T)

Actually..... I can't remember the engine options for for Vectra B, so thats a bit of guess

harveybobbles

deannatrois wrote: »

Yes, I do realise its because I have no no claims bonus, no driving record and am a learner driver.., but it still seems rather high and prohibitive.

Maybe sell the Vectra as its been repaired and learn to drive in something with a 1.2 engine?

gilbert_and_sullivan

Yep the car is far too high grouped to get a decent new driver premium, you really need groups 1 to 3 for the first year unless you're a rich car dealer..;)

forgotmyname

Your in for a shock, When you pass your test the price will go UP..

They will consider you more of a risk as you are not supervised.

My insurance company wont insure a L driver on a 2L TD mondeo.

SUESMITH_2

Strider590 wrote: »

I own a 2004 Vectra, so the next shape on from yours.... However imo these cars are too big/long and too powerful for new/learner driver!
Situational awareness is hard enough to learn without having to worry about having 6ft of metal behind you....

With a car this long you have to "swing" the car out the wrong way before turning the direction you need to go, else you'll catch the back of the car on the apex of the turn.

Parallel parking was bad enough in an Austin Metro, id hate to have tried it in a Vectra! (although now it's easy as pie).

3 point turn in a Vectra? not many places wide enough!

hmm, not sure if i agree with you, i learnt in a mini and got stright out of that into our sports coupe - the bonnet was longer than the mini i learnt in. i also manged to do turns in the road whilst in that and to park it without problems; its all what you get used to.

have you had a price for third party fire and theft instead of fully comp?