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First Car - Cheaper Insurance
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Have you looked at a telematics-based policy?
Definitely add yourself to the policy as a named driver as well, whether you intend to drive it or not.
To the OP... insurers dont use the insurance groups you see advertised which consider repair costs, security and safety features, they use their own grouping which includes another consideration which is their claims experience with different vehicles that may consider to some degree the first three items but also includes what sort of drivers own different cars.
Reality is new and young drivers have more claims and therefore vehicles that they typically own have more claims and so often luke warm hatches are much more expensive to insure than a much more expensive and powerful larger vehicle that a teenager cannot afford and many probably wouldnt want to be seen in.
Even as a mature and experienced driver insuring a new SL500 was notably cheaper than insuring a Mini Cooper S
I have a dodgy "i" key, so ignore spelling errors due to "i" issues, ...I blame Apple
You can buy a half decent dashcam for a few quid these days and with a high premium, 10% can be a fair chunk.
As already mentioned, adding an experianced, mature named driver should help.
I add the misses to mine and it drops a few quid.
She adds me to hers and it goes up a few quid.
Insurance companies can be very odd when it comes to risk.
A Fiat 500 will always come out far more expensive than the Fiat Panda which it's based on, even though they have the same engines.
One tends to attact younger drivers, the other more mature drivers and the premiums can be quite different.
(the Panda is actually a good young driver/first car choice)
within my budget.
A quick call to the comparison site and explained that the price was more important than the vehicle and a real user not a bot soon
got me unbanned. Unlike a certain website that cannot admit they were wrong.
Fiat 500, Ford KA, Fiat Panda were a lot cheaper but also some oddball cars like classics although not with a proper classic policy
they usually require a 2nd everyday car and full no claims.
VW Up was reasonably cheap but cost of insurance + car was not the best value. Volvo V50 1.8 Petrol was another odd one which
was strangely cheaper than a Corsa. Diesels tended to cost more to insure.
Cars over 6 to 8 years old sometimes pushed the prices up. So possibly better to spend more on the car to save money.
The downsides of these black box policies is always the threat of cancellation. If they turn up and the car is modified, eg tinted glass, they will cancel it. They can cancel for excess speeding, excess mileage, harsh braking, driving at the wrong time of day, etc.
They are useful in lowering prices and encouraging safe driving but you always read about alleged inaccurate data being recorded.
My son had one for 2 years without problem but I think he was mightily relieved when he found a similarly priced policy without the black box.