Is it impossible to get insured at 18 please help lol

[02thompson]

im 18 but will be 19 in march ive had my licence for nearly 6 month with points ive tryed qouets on a few different motors but they are all over 2000 with 500 to 800 deposits it takes the piss. im going to buy a nova but the cheapest qouet ive had is on a sri 1.4 and it was 1700 with a 365 deposit but i would be happily 2 pay that becouse i will have a bit power under my foot .my mate has a 09 focus 1.9 tdci or watever it is and his is only 1400 surely i mut be doin some think wrong could some one plz give me sum advice or somthink and sorry about my spelling haha ;D

[02thompson]

help

[draper]

you have points at a young and inexperienced age - tough luck lol

have you tried specialist brokers ? or ringing companies not just price comparison websites

[02thompson]

[quote=draper]you have points at a young and inexperienced age - tough luck lol

have you tried specialist brokers ? or ringing companies not just price comparison websites[/quote no i dont have any points yet haha

[L14MNP]

Just get NOS and run from the po po. Then you won't need insurance.

[brainsnova]

i had points and i just paid high insurance for 3 years ftw.

[jimbob-mcgrew]

unless youve got mega bucks, youll have to do like the rest of us did and drive round in a 1 litre for the first year.

[Jack]

I recommend selling the Nova and buying a cheaper car. I hear 2009 1.9 TDCi Focus' are cheap to insure lol

[MattBrown]

Its only £2k?

Or am I missing something?

A £500 deposit isnt alot to find, if you can't, then save up over 3 months:)

[blue_peg_16v]

newer cars are generaly cheaper to insure than older ones as they are generaly lower grouped and easier to get parts and repair

eg the company i used to work for grouped cars 1-99 a 89 1.1 fiesta was group 26 but an 04 1.6 mini one is only group 14 value of the car makes very little difference the risk is the damage you could cause to others and with points and at your age your a massive risk hence the prices your getting

[Stuart]

I'd learn to not text type.

the tdci focus will spank your ass too lol.

[ksw46]

best way i found to get it down is to list 2 or 3 named drivers (women 30 - 50 work best). in doing this you are still the policy holder but they take it that you are driving the car less frequently therefore less risk. also crook locks work good

[burgo]

i always put my mum as a named driver as it take £200-£300 off mine usually

[ksw46]

put ma mum and mother-in-law went from 1750 to 1100 also try admiral and elephant they do 10 month policy which is cheaper

[burgo]

elephant is admiral ;)

[ksw46]

i know but they trade under different name one gave me 1175 the other 1100

[02thompson]

cheers for the help am guna shop about and add a few experianced pple to the policeys cheers

[Jack]

put ma mum and mother-in-law went from 1750 to 1100 also try admiral and elephant they do 10 month policy which is cheaper
Other companies probably won't honour NCB earned under a 10 month policy though. So you get stuck with the admiral/elephant/bell/diamond/sheilas/whoever admiral are trading as (lol) renewal price which in the long run could work out more expensive.

[blue_peg_16v]

Other companies probably won't honour NCB earned under a 10 month policy though. So you get stuck with the admiral/elephant/bell/diamond/sheilas/whoever admiral are trading as (lol) renewal price which in the long run could work out more expensive.

this is very true as although you have a years ncd with named companies you havent completed a years cover so others wont accept it i know the old company i worked for wouldnt