cheaepest 1st insurance £800!!!

lauren_1

What car is it?? Anything over a 1.2 will hike up premiums for a new driver.
You could add yourself as an additional driver to bring down her premiums, also what info did you give like her job......

Anyone connected with a licensed trade like chef, barmaid, waitress, hotel worker, security will get their premium hiked because they are classed as risky jobs (drunk yobs and theft i guess)

be colourful with the job types and see what you get, also a student will pay more than unemployed or housewife (you dont need to be married either) because they tend to be driving in morning rush hour.

pksaraf

i paid £2k as my first insurance - this equated to half the cost of the car! based on my experience, independent brokers may be able to offer better deals than websites for new insurees

pompeyrich

pksaraf wrote: »

i paid £2k as my first insurance - this equated to half the cost of the car! based on my experience, independent brokers may be able to offer better deals than websites for new insurees

Any avenue is worth a try, I went into 4 brokers, told them I had been searching the net and did they think they could beat the best price I had, £1049,TPF&T for my 18 year old son, Corsa 1.0l, only 1 came close at £1250 with restricted mileage, 6,000, the 2nd was £2,200 and the last 2 didn't even try, they said if you can get anything under 2 grand then take it !! Which brokers did you have luck with? Thanks

iolanthe07

Well 3 weeks later he wraps it round a telegraph pole,

Lots of them do this, which is exactly why premiums for young inexperienced male drivers are so astronomic.

colin79666

I'm paying about £1000 for a 1.2 Fiat Grande Punto. I'm 19 and I've been driving for 2 years but this is my first car with me as a the main driver.

I've never had an accident.

Got the policy with Admiral - they were by far the cheapest.

pksaraf

pompeyrich wrote: »

Any avenue is worth a try, I went into 4 brokers, told them I had been searching the net and did they think they could beat the best price I had, £1049,TPF&T for my 18 year old son, Corsa 1.0l, only 1 came close at £1250 with restricted mileage, 6,000, the 2nd was £2,200 and the last 2 didn't even try, they said if you can get anything under 2 grand then take it !! Which brokers did you have luck with? Thanks

aplan insurance provided a very good price to me, none of the others brokers or online coult match it. may be worth trying.

saxmund

Worth getting a car old/cheap enough to insure TPFT. If she needs it for work or college she almost certainly won't be insured for that as a named driver, and as she will start building up NCB may be worth biting the bullet and her getting the insurance herself.

merlinormartin

Back in 2004 my partner had to pay £1700 to insure his first car!..... after a house move and careful driving he now pays £400 :j

Try Tesco car insurance, they seem to offer good deals for younger drivers.

Minerva69

Don't forget Pass Plus as well if you have recently passed your test. I am getting a 20% discount with Direct Line because I've done Pass Plus, and I'm not a young driver. Some councils will also contribute to the cost of a Pass Plus course. For more info: http://www.passplus.org.uk/index.asp

anewman

Pass plus - generally not worth it as you get little saving in insurance and the saving only applies for about 2 years I think. Also not all insurers give a discount.

TPO - in my case TPFT was cheaper so it *IS* worth checking quotes for both. Fully comp was even cheaper still but only with the highest excess, and as my car was worth practically £0 I went for TPFT.

In my case as a new driver (at 26 in a major city) I found https://www.ecarinsurance.co.uk worked out over £100 cheaper than anything confused etc had to offer. I will of course be going through the whole quoting process when my insurance comes up for renewal as with 1 year no claims (hopefully) an insurer out there will hopefully be wanting my business. If they also work out cheaper for you please consider using my referral link detailed here http://forums.moneysavingexpert.com/showthread.html?t=495433&highlight=ecar to get £20 off the quote.

The car itself affects the cost of insurance greatly so get quotes for cars before committing to buy a car. In general smaller the engine size and car the better but this rule doesn't always apply. Also AFAIK if parts for a particular car are expensive this ups the premiums. The ony sure fire way to know exactly is to get quote after quote.

Putting the car in someone elses name and adding her as a named driver, when she is the main driver of the vehicle, is called policy fronting and it is illegal. Also she will not be building up any NCB for herself which will reduce the cost when the time comes. If she cannot afford the insurance she cannot afford to drive is the way to see it.