Car Insurance, Lady, 50, London

chihuahua_2

I should appreciate any advice on this, please.

I live in the City and am 50. I have had a driving licence for 30 years.

My mother has given me her car, a Honda CRV, as she can no longer drive. It is about 7 years old.

I have done so many insurance comparison searches and am amazed, absolutely staggered that most quotes are coming in at around £1,600.

I separated from my partner of six years a year ago; I drove our car as a named driver on his insurance, but this means that I have no "No Claims Bonus", which I didn't realise.

I do voluntary work at the moment.

I am being asked for deposits, which I didn't realise you had to do in order to get car insurance. Just to start the policy would be a minimum of about £400 in one sum, even if paying monthly, because of the deposit.

Does anyone have any advice for me please? I never expected car insurance to be quite so high when I have been driving for 30 years!

Thank you.

McKneff

Well, that was very original, ignore troll.

OP, all you can do is shop around. Try the insurance your oh has been with, it may help if you have been the named driver on one of their policies. Try the CIS, (Cooperative) they are usually pretty good.

Good luck.

chihuahua_2

Thank you, McKneff.

I tried the ex's insurers - they could help, but said that they would factor in a discount for my previous named driver status after twelve months of insurance with them in my own name, which is good, but means this year's insurance would still be high.

Shall try CIS.

Many thanks.

Clive_Woody

chihuahua wrote: »

I should appreciate any advice on this, please.

I live in the City and am 50. I have had a driving licence for 30 years.

My mother has given me her car, a Honda CRV, as she can no longer drive. It is about 7 years old.

I have done so many insurance comparison searches and am amazed, absolutely staggered that most quotes are coming in at around £1,600.

I separated from my partner of six years a year ago; I drove our car as a named driver on his insurance, but this means that I have no "No Claims Bonus", which I didn't realise.

I do voluntary work at the moment.

I am being asked for deposits, which I didn't realise you had to do in order to get car insurance. Just to start the policy would be a minimum of about £400 in one sum, even if paying monthly, because of the deposit.

Does anyone have any advice for me please? I never expected car insurance to be quite so high when I have been driving for 30 years!

Thank you.

Other than the usual advice of using comparison sites, you can add a named driver, reduce annual mileage, remove policy additions if not needed (e.g. legal cover, hire car, etc...).

Direct Line have always been cheap for me and do not get covered by comparison sites.

You could also look at these 10month policies that accelerate building your no-claim bonus.