Which of these factors is making my car insurance quotes so astronomical???

Poosmate

I believe some cars are classed as "boy racers" as they are favoured by the young which has bumped up the insurance class of the car.

I would suggest you ask the insurance companies which cars are cheaper to insure. I have recently been looking for a new(er) car and was looking at a 1.6 Hyundai Coupe, which I thought would be expensive on insurance, but the person selling reckoned it was her 17 year old daughter's first car and was cheap on the insurance.

I had a 1.4 Ford Escort which was quite cheap to insure but then I do have 7 years NCB. It used to be that coupe's were quite high on insurance but I think now it boils down to "if it's small, nippy and cheap, it'll appeal to the "boy racers"" so maybe steer clear of those type and go for one that's maybe a little more "grown up" and "mature" rather than one that could potentially have "street cred".

Hope that makes sense.

Poo

property.advert

For me, the car matters little, though more expensive ones slightly raise the premium. Location is paramount. My current location means insuring anything costs over £1500 whereas where we are moving to means everything costs around £500.

No NCD to apply.

loracan1

Try a quote with your husband as a named driver, this can sometimes make a huge difference - what sort of voluntary excesses are you putting in? They can make a difference too.

Hammyman

chudleyette wrote: »

The cheapest quote I can find is £900, which seems insane! Is this mainly about the lack of NCD, or a combination of lots of factors? Could I get around the 'student' tag by saying I am a 'trainee xx'?

Any advice welcome. TIA.

If you live in a !!!!! area, it costs more. My brother moved up to Sunderland and his car insurance more than doubled even though everything else remained the same.

Strider590

"Student" is definitely a problem......

The insurers are immediately thinking drink/drug driving and about 900 other stereotypes attached to students.
Being out of full time work immediately adds 25% or more to a premium too.

chudleyette

Well I've managed to get it down to £815 with my husband as named driver but it prob doesn't help that he has 6 points on his license! He only has 4 years NCD himself as our car got hit by another car when it was parked outside our house and we had no choice but to accept liability as there were no witnesses. I think I even agreed to say that it was me at fault rather than my husband so they only knocked 2 years off his NCD.

Voluntary excess is £250, I've tried upping it to £300 but it only knocks off a few quid. I've also tried on a more 'sensible' car (2005 Ford Focus) but that was more expensive than the 10 year old Fiesta.

I can't move house so it looks like I'm pretty screwed, all in all!

Will try ringing my husband's insurance company and some brokers. Maybe the human touch is what's required!

Thanks for all your suggestions so far...

INT1

I got quotes for OH and the insurances premiums have rised quite significantly this year compared with previous years.

mikey72

chudleyette wrote: »

Well I've managed to get it down to £815 with my husband as named driver but it prob doesn't help that he has 6 points on his license! He only has 4 years NCD himself as our car got hit by another car when it was parked outside our house and we had no choice but to accept liability as there were no witnesses. I think I even agreed to say that it was me at fault rather than my husband so they only knocked 2 years off his NCD.

Voluntary excess is £250, I've tried upping it to £300 but it only knocks off a few quid. I've also tried on a more 'sensible' car (2005 Ford Focus) but that was more expensive than the 10 year old Fiesta.

I can't move house so it looks like I'm pretty screwed, all in all!

Will try ringing my husband's insurance company and some brokers. Maybe the human touch is what's required!

Thanks for all your suggestions so far...

How can you be responsible for a claim on a parked car you weren't driving, on someone else insurance?

It's not a good move though, as now you have to declare an accident on your policy, and he has to declare a claim on his now as well, and ou may not get a NCD offer.
If the policyholder had put the claim in, you would still be able to get insurance in your own right with no declarations.

chudleyette

mikey72 wrote: »

How can you be responsible for a claim on a parked car you weren't driving, on someone else insurance?

It's not a good move though, as now you have to declare an accident on your policy, and he has to declare a claim on his now as well, and ou may not get a NCD offer.
If the policyholder had put the claim in, you would still be able to get insurance in your own right with no declarations.

Yep, with hindsight that wasn't a good idea.

king100

Try Admiral who offer a multicar policy,

I was named driver on a laguna 2.0, my misses had policy 9 years NCD.

I went and bought a brand new focus last year I had 0 years NCD as was named driver.

Called up on company they quoted me £900.
My misses insurance was £300.

I got a quote from Admiral, they used the fact that I was a named driver and had the policy had 9 years NCD into affect.

Got my insurance for £350 and my misses for £310, slighty more than her previous insurance but they took into effect the previous policy.

Check multi cars insurance companies then call up, if you can pay it in one lump sum that will reduce it alot as well.