New driver insurance for 29 year old female

scandinavia83

I hope someone on here can point me in the right direction with regards to getting my first car insurance.

I am in the process of learning to drive - and will hopefully pass by the time I am 30. As I have never bought car insurance before I would like some advice about which insurer to go with.

At the moment I have not bought a car, but I am planning on getting a Mitsubishi Colt (or similar small car) that will be about 3 years old costing between £4000 and £6000.

I am female, live alone (with mortgage) and will only have on street parking.

Does anyone have any guidance about what I should look for? Or any guidance about which insurers may be best for a new driver like myself?

Thank you!

InsideInsurance

The guidance is the same for anyone, shop around, make use of the aggregators and check those that dont go on the aggregators.

If you buy before you pass your test remember to factor in the admin fee and premium increase for passing. If you are going via a broker it is also worth calling them to ensure the insurer they are placing you with will also accept you as a newly qualified driver as you will find a few cases on here were people bought as learners but the insurer wouldnt accept them as newly qualified and so they had to cancel their policies

forgotmyname

If i were you i would not plan on getting a mitsubishi colt. Unless its something you really want and willing to pay the extra for it.

Not the cheapest cars to insure.

drbraindead

I was 28 when I passed 2 years ago, my best quote was from Admiral, they are cheap for first time drivers but their administration is poor.

As already said though, If you want a cheap deal I wouldn’t bother with a Colt lol. I have a Fiesta, first insurance was £1200.

Sooki

Just a thought, but some finance new car deals come with insurance thrown in, I just looked one up on line and you can get a deal at £ 139 a month for a small car with insurance and warranty, plus you won't need to worry about the mot etc.... So if your first insurance is expensive this may be a cheaper option to look at.

amiehall

My sister took out a deal where insurance came with the car as suggested above, however, the one she took out only offered insurance to those holding a licence for over a year. It's not something I've ever researched thoroughly, but I can imagine others being the same. Definitely check on this before going down this route.

Quentin

InsideInsurance wrote: »

..... If you are going via a broker it is also worth calling them to ensure the insurer they are placing you with will also accept you as a newly qualified driver......

Irrespective of whether you DIY or use a broker you should enquire about this before buying.

(It's not just broker sold policies that may not cover you once you have passed the test)

thegirlintheattic

Do various *fake* quotes changing your details slightly and see what comes out cheaper. Probably not a colt.

I've never had any problems with Admiral myself and they usually come up cheap for new/high risk drivers but am switching this time because of the amount of money grabbing they do as uncovered on here.

Don't go for the cheapest if it's got bad coverage or is a company you've never heard of. Chances are you will have an accident in your first few years and you want a company that is easy to contact and does a good job.

InsideInsurance

Quentin wrote: »

Irrespective of whether you DIY or use a broker you should enquire about this before buying.

(It's not just broker sold policies that may not cover you once you have passed the test)

With direct insurers it is easier to DIY because you can do the quote online yourself for just passed and pre passing to see if they offer cover. The challenge with a broker is that of cause both may result in quotes but it could be with different underwriters which not all brokers make clear via their sites.

Quentin

InsideInsurance wrote: »

With direct insurers it is easier to DIY because you can do the quote online yourself for just passed and pre passing to see if they offer cover. The challenge with a broker is that of cause both may result in quotes but it could be with different underwriters which not all brokers make clear via their sites.

Many online "insurers" are actually not insurers but offering broker type service. (eg rac)

You do need to check before buying if you are buying as a learner but hope to pass the test during the policy lifetime.

scandinavia83

Thank you so much everyone!

I think I need to re-think the Mitsubishi Colt - I am only favouring at the moment as I have a family member with one that loves it :-)

When I find out more I will post what I am planning to do,

Thanks again!