Car insurance premium (problem)

System

Dawid wrote: »

jonesMUFCforever:

I don't have driving license but when I was filling quote I wrote that I have. I practise driving on privite parking and I had just applied for provisional driving license.
quote]

so you have just applied for your provisional licence and expect to have passed your test by August !!

System

CHRISSYG wrote: »

Dawid wrote: »

jonesMUFCforever:

I don't have driving license but when I was filling quote I wrote that I have. I practise driving on privite parking and I had just applied for provisional driving license.
quote]

so you have just applied for your provisional licence and expect to have passed your test theory/practical by August !!

Dawid_3

CHRISSYG:
Yes, now I want to discern in insurance premiums. I don't think that passing test will be a problem for me.

MarkyMarkD

Dawid wrote: »

jonesMUFCforever:

I think that I can't insurance a right hand car in Poland but I'm not shure. If I could it would be great, we have very cheap premiums.

You probably can, but it would probably need to be registered in Poland too.

I believe that you can only drive a Polish registered car in the UK for 6 months. Any longer and you would need to re-register it on UK plates.

So I doubt that this solution solves your problems.

Dawid_3

MarkyMarkD:
Indeed I can only drive for 6 months, apart from that I belive that I can't insurance right hand drive car in Poland.

I asked today my friend (male) how much did he pay for his car (Ford Fiesta 1993 L 1100cc 3dr Petrol Manual, so only difference is that it's L not LX) and where. He insuranced it in Direct Line (he's 17) for £900. When I was making quote I filled that I'm 18 so I should pay less than he. They didn't ask where I was born so it doesn't make difference that I'm from Poland. I really don't know what's wrong. Do you think that it's possible that they can see that I actually don't have driving license (I filled that I have) like for example they can obtain all details about the car only having its registration number? If it would be the true it would explain everything. I hope it's the reason of such as big premium.

Jay37

Hi, As others have said, young male drivers are much more likely to have an accident statistically and therefore are charged a higher insurance premium. My 17 year old son paid £1800 to insure his Vauxhall Corsa the first year, then £1000 in the 2nd year and now £650 in the 3rd year. But this decrease was due to driving experience and no claims bonus earned.
You being 18 and your friends 17 would make no difference, however,things like where you live, any part time job, and extras on the car all change your premium. The prices your friends have got do seem very low and I think it is likely that they are a named driver on a parents policy as said earlier.

If the cost is very high, you could try taking one of the monthly installment options that they offer, they do make a small charge for this over the year, but it was only about £30 more, I think. Good Luck with your lessons etc.

MarkyMarkD

Direct Line are not quoting you more because they know you haven't really got a full licence. They don't have any reason to access that information.

They only access DVLA data for car types to stop people accidentally entering the wrong model details. It's a lot easier to get your registration number right than to enter the right car details when there are many models to choose from.

I find it very hard to believe that any 17 year old managed to insure their first car for £900 nowadays. Are you sure that:

(1) the 17 year old is honestly disclosed as the main driver
(2) the 17 year old is honestly disclosed as the policyholder and vehicle owner
(3) there aren't other (older) people on the policy as additional drivers, as this can reduce the premium
(4) the other person's car isn't going to be stored in a garage, or off road on a drive, or in a lower risk area than your address?

There are many factors in why premiums will be less for one person than another, but by far the most common one for 17 year olds is that those paying cheap premiums are fraudulently insuring the car in their parent's name and pretending that they are only an occasional, rather than the main, driver.