car insurance

matty2490

I am a 17 year old who has just recently passed their driving test and has been look at insurance prices, i have searched high and low for a price that is around the £2,000 mark but the closest price i have managed to come up with is £3,700 does anyone know of any companies that are any where near the price region of £2,000 because i think that £3,700 is far too expensive and can not afford it.

thanks.

McKneff

First of all Congratulations on passing your driving test:T:j

Wow, Matty, that's a lot of money for insurance.

Try some of the insurance companies who are not on comparison sites.
Try Cooperative Insurance Society, Direct Line and Aegis.

Hope that helps.

And drive carefully, statistics say that you will have an accident in the first 12 months and then your insurance company goes up even more:eek:

forgotmyname

Do ALL the comparison sites, phone ALL the local brokers.

Get a couple of car mags and try all the adverts in those.

Try the club schemes for your car.

It maybe tempting to beat the system but DONT do it...

It ends in tears so often. And getting a bill for £9000 at your age isnt a good start to life.

Not sure if it was this forum or another one? Failed to disclose all facts and this came to light after an accident. Bill for £6000 on one post, £9000 on another.
And comments said they got off lightly. If it had been a major accident it could have been 10 times more..

snailmail

congratulations! I have recently passed my test too! (though i'm 30!!!) Have you taken the Pass Plus lesson? Where your instructor takes you on the motorway? You can get a chunk knocked off with that.

If you haven't, redo your insurance quotes and tick the pass plus or equivalant button so you can get an idea of the discount you'd get...obviously this is just for your reference, and for the insurance to be valid you'd need to take the lesson!

It's definitely worth doing, I have knocked about £100ish off my insurance.

ignore me if you've already done it:)

forgotmyname

Check again a lot of insurers offer zero discount for pass plus. The ones that do offer a discount are probably still overpriced also.

So it maybe a waste of money.

Last time i looked it was nearly £150 for the pass plus and you saved £100 ?

paddedjohn

Try getting a quote for an old classic car, it may help.

matty2490

i was thinking about changing the owner of the car to one of my parents as the price drops drastically, would this be classed as beating the system?

SuperHan

matty2490 wrote: »

i was thinking about changing the owner of the car to one of my parents as the price drops drastically, would this be classed as beating the system?

Is that the owner of the car, or the main driver of the car? My premiums went up because I was the main driver, but not the registered keeper/owner of my car.

Putting your parents as the insurance policy holder/main driver is called fronting and is illegal if you will be using the car more than they do.

cajef

forgotmyname wrote: »

Last time i looked it was nearly £150 for the pass plus and you saved £100 ?

So a £100 saving each year, after only two years you are in profit.

forgotmyname

After the 1st year the saving will probably be zero though.

I tried it early this year and oddly some companies charged more??

Quotes didnt seem to change when i added it to a newly passed 17 year old females policy. Nowhere near what it cost anyway.

~Chameleon~

SuperHan wrote: »

Putting your parents as the insurance policy holder/main driver is called fronting and is illegal if you will be using the car more than they do.

This no longer works and the premiums will be just as high.

Have you tried adding your parents and other adults as named drivers? We found that brought down the cost of the premium quite significantly. Also, what type of car are you trying to insure? If it's a typical "young persons" car then that will boost premiums too.

Unfortunately, I doubt very much you will find something for under £3000. Insurance is crippling for young drivers, especially boys