First time for car insurance (over 35!)

IconBoy_2

A friend is giving me their old car (Vauxhall Cavalier 1995 1.6) and I need to get insurance for it. I have never owned a car before so this will be the first time I get insurance. (I will be married by mid December so am not sure if that helps!!!)
After phoning around I got a quote from https://www.toogoods.co.uk of Third party Fire & theft for £275. I figure comprehensive isn't needed as it is an old car. I am over 35 and have had a UK license since January 2002 (I have been driving the company fleet vehicles for the same period and have never had an accidnet/made a claim etc.) Can anyone please help me and let me know if there is a cheaper place to get insurance as I work for a non-profit org and need to save the pennies! - thanks!

MarkyMarkD

If you've got 2 years' clean driving history in company vehicles, you should mention this when getting a quote. Some companies will give you an introductory 30% discount reflecting your good history. You might need your employer to confirm you are accident free for this.

It isn't necessarily better to get TPFT cover - comprehensive cover is far more popular and therefore priced more competitively. Whilst it's an old car, comprehensive cover will include windscreen cover - not nice to shell out over £100 if a stray stone shatters your windscreen.

Definitely insure your fiancee on the policy - it will normally reduce, not increase, the premium, as long as she's got a licence, as couples are seen as safer bets than singles.