Good Insurers for New Drivers?

[matt_vaughan]

Thought some of you Nova people may know a few companies for new drivers.

Finding it a pain in the preverbial to find anything under 2 grand unfortunately.

1.2 Luxe
Medium Risk Area (only cause I live 8 miles from bradford i think...BD postcode:mad:)
No Mods
No Alarm
New Driver

[marc novataken]

im with More Than they didnt mind about mods only engine mods. cheapest quote i had was £1850 but they covered me for £912 third party fire and theft. would have been £780 if i paid it all up front but i pay £76 a month

[Andy]

How old are you?

[marc novataken]

19 was 18 when i insured it. insured as my first car. Alloys, tints, lowered, k&n, exhaust, interior, soundsystem, GTE kit, flushed boot, cant b bothered 2 say the rest lol

[marc novataken]

got £100 contents cover as well :thumb:

[matt_vaughan]

I hear about mates getting insurance quotes of 12-1500 quid, and I'm struggling under 2 grand?

Tried more th>n and they only provide insurance for people over 18!

At this rate, the Nova's going and I'll have to get a 125 bike.

[marc novataken]

try confused.com mate they give really high quotes but then the companies call ya an all give you cheaper quotes. More Than wouldnt give me a quote online because they dont cover under21s but then called me and gave real cheap quote. when companies call you an ask your cheapest quote take a couple hundred off your cheapest and the company will beat it. thats how i saved about a grand!

[matt_vaughan]

Had them hassling before, didnt think about getting playing on it.

Anyone else any tips?

[1.6 8v turbo nova]

Quinn direct was the cheapest company i could find at 17.. and that was 1500 F+F. Soon as i turned 18, with a years no claims, 900 quid fully comp on a 1.4sri. Unfortunately everyone has to pay a daft amount for there first year. (unless your female.)

[matt_vaughan]

(unless your female.)

^Yep....half the price....apparently. Should see how the lasses at my school drive, astonishing.

[1.6 8v turbo nova]

My sister turned 17 yesterday, got insured on a pug 206 1.4 litre, 700 full comp. Not going to say males are better drivers because it would start ww3. But it is rather unfair that 'males' have to get a year experience to get same prices as females :).

[1.6 8v turbo nova]

But yeah if i was you try Quinn direct mate.

[matt_vaughan]

Thats who the car is insured with at the moment, but under my dads name as me as a named drive. He owns the car.....he actually drives it more than I do.

They want a s**t load for my own policy though.

However thats through confused or Gocompare, dont trust those sites for some reason.

[1.6 8v turbo nova]

easy solution then? stay on same insurance policy until you are 18 then get your own for cheaper :).

[General Baxter]

its what happens, due to all the boy racers, and people who dont declare mods which means no insurance then the other people have to clame, hinty hinty lol

just wait till your 22, then you can insure a group 20 car for £500 lol

[Welsh Dan]

Fit yourself a £30 immobiliser, it'll help.

[thedjse]

My insurance is £2500 per year TPFT on an unmodded nova saloon oldham post code

i hate insurance does my ****ing head in

Im with endlseigh mate try quinndirect missus with them and they aint too bad!!!

[matt_vaughan]

Seems quinn are the boys to go for.....

Might have to sort something out with them again.

Anyone know if you can "split" your no claims bonus, use 4 years on 1 policy, and 5 on the other for example??


I know about mirroring but it seems quinn dont do that.

[Jack]

Try Admiral/Elephant with your mum/dad/sister/aunt/uncle etc on as second driver.


Anyone know if you can "split" your no claims bonus, use 4 years on 1 policy, and 5 on the other for example??
Nope


I hear about mates getting insurance quotes of 12-1500 quid, and I'm struggling under 2 grand?
What cars though? IME Novas are relatively expensive cars to insure, mainly due to the kind of people that apparently drive them.


^Yep....half the price....apparently. Should see how the lasses at my school drive, astonishing.
When girls crash they tend to have minor dinks and bonks, car park dings or low impact stuff. Whilst blokes have statistically LESS accidents, they do however tend to crash into expensive things, or cause £££££'s worth of damage. Well, if you're going to crash, at least do it properly, right? lol


Fit yourself a £30 immobiliser, it'll help.
Most insurance companies will only give discount for thatcham stuff, and some even increase the premium for DIY installs - electrics + novice = fire risk.


My sister turned 17 yesterday, got insured on a pug 206 1.4 litre, 700 full comp
206/306 are relatively low cost insurance for what they are. My personal favourite "beginner" car for insurance cost vs power/usability is a Pug 306 durbo. You can insure them for pennies - even at 17 - and with 92bhp and 148lbft of torque they're far from slow :D

[matt_vaughan]

What cars though? IME Novas are relatively expensive cars to insure, mainly due to the kind of people that apparently drive them.

I didnt know insurance companies could go by "reputation" rather than actual insurance group.

I find it a bit two faced that they can do pretty much whatever they like, simply because we have no choice but to buy insurance.

[Jack]

they can charge whatever they like, insurance groups are only a guide. Remember insurance is all about risk, and different companies don't see things the same way.

There's no monopoly anyway, so the consumer has a choice of how much to pay (some would argue if the cost is too much of a concern for you, get a cheaper car)

[matt_vaughan]

Another car aint an option...got the Nova bug lol

Just going to have to pay up suppose.

[Mikey_J]

Quinn direct. Nice and cheap and they insure anyone lol

[bola]

try your local nfu office mate im not sure if you have to be a farmer or anything but i got mine for £800 with a 2k agreed value :) Im 17 too.

[5doornovaboy]

try bell direct i am 18 with no, no claims bonus and its costing me £1300 fully comp with all extras on my leon cupra

[matt_vaughan]

try your local nfu office mate im not sure if you have to be a farmer or anything but i got mine for £800 with a 2k agreed value :) Im 17 too.

Someone recomended me to NFU, got a silly quote online.

Dont really trust these online jobbies anymore, so might pop into local office, see what the crack is.

[large_steve182]

sooner or later your going to need a horse and carrige unless your prepared to pay 5 grand insurance on anything.

the only thing ive found is doing every online insurance form. big ones like confused.com and then just smaller companys

i found some cheap quotes on the later pages of google