Why is my car insurance so expensive

wills93

I'm 18 at the end of the month, and I'm about to start driving lessons. I looked up a few quotes on supposedly good cars for beginners. I was expecting to be quoted about £2100. But the cheapest it is quoting is about £3500, and that's with a 0.8L car, and the DOB fiddled to make me 7 months older, (I think that's about how long it will take to pass my test)
I know people my age who are already driving, they drive 1.2L cars, and get their insurance for about £1900. Why is mine so ridiculously expensive?

waj3000

sometimes the area in which u live makes a difference.

wills93

waj3000 wrote: »

sometimes the area in which u live makes a difference.

I know, and I tried the area I used to live in, and it went down from £5021 to £3630, but still, I must be doing something wrong because I have friends in my old area who were getting it for £2000

FLAPJACK

Perhaps when you get your car your parents could insure it in either of their names and have you as a named driver. Only downside to this you won't earn your own NCD....

It's not a good idea to fiddle your age, I assume your correct age is on your driving licence and if the two don't tally then your insurer will run a mile after saying your insurance in null and void. You could get done for both driving without insurance and fraud!

Anyhow good luck with the lessons.

wills93

FLAPJACK wrote: »

Perhaps when you get your car your parents could insure it in either of their names and have you as a named driver. Only downside to this you won't earn your own NCD....

It's not a good idea to fiddle your age, I assume your correct age is on your driving licence and if the two don't tally then your insurer will run a mile after saying your insurance in null and void. You could get done for both driving without insurance and fraud!

Anyhow good luck with the lessons.

Sorry, I wasn't clear. I wasn't intending on actually buying insurance with the incorrect age on it, I put a fake age on the quote, so I could see how much it will be when I pass.

FLAPJACK

No probs!

Do the same exercise with your parents ages....could get an idea of what it may cost them. Also, as well as looking at smaller engined cars maybe have a look at older ones too...obviously not old bangers though!
All the best.

cajef

FLAPJACK wrote: »

Perhaps when you get your car your parents could insure it in either of their names and have you as a named driver. Only downside to this you won't earn your own NCD....

Which is illegal and called fronting, if involved in an accident and the insurance investigate and find out you have been fronting they can refuse to pay out, if he is the main driver it must be insured in his name.

http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm

FLAPJACK

Jezz sorry to lead you down the wrong path!!:o

I've heard of it being done...didn't realise it was not to be done though! Needless to say I only drive my own car..owned by me too.

Once again I apologise to you wills.

cajef

FLAPJACK wrote: »

Jezz sorry to lead you down the wrong path!!:o

I've heard of it being done...didn't realise it was not to be done though!

If you have search on the forums there are numerous threads where fronting has been brought up.:)

Some people do it but unfortunately do not realise the serious consequences if they are involved in an accident, if the insurance company find out and void the policy it could leave the person open to claims for thousands of pounds, possibly more if someone is injured.

luci

Have you tried adding one or both of your parents to the policy as named drivers as this can usually bring it down?

FLAPJACK

I think this is was the scenario I have heard mentioned...Wills as the main driver and a parent as a named, is it allowed though?