View Full Version : How Can They Justify THESE PRICES?!
Just done some quotes on my Corsa & Nova for when i am 17
Details and prices are as follows, these are both WITHOUT modifications.
Vauxhall Nova 993cc 3dr trip
No modifications
Car value: £500
Main policy holder - Dave Rome, 17, hed licence for 2 days, Employed, Panel Beater
2nd driver - Ste Rome, held licence since 1980, Father, Mechanic
Car kept on works car park during day, Driveway overnight
Alarm & Immobiliser
No NBC
£500 excess
Wait for it... £2,998!
But thats not the Best lol
Vauxhall Corsa Vegas 5dr 1396cc 8v
No Modifications
Car value: £500
Main policy holder - Dave Rome, 17, hed licence for 2 days, Emplyed, Panel Beater
2nd driver - Ste Rome, held licence since 1980, Father, Mechanic
Car kept on works car park during day, Driveway overnight
Alarm & Immobiliser
No NBC
£500 excess
...... £4896! :eek:
How the hell can they justify them prices?! their saying im going to write the cars off in excess of 4 times a year!
I can honestly see now why some people think "Fcuk it, id rather pay the fine for not havign any"
:cry:
lol @ the £500 excess on the Nova. You won't see a penny if you had to claim on that policy!
How the hell can they justify them prices?! their saying im going to write the cars off in excess of 4 times a year!
:cry:
Thats not how it works lol You only have to hit one brand new jaguar ;)
Still uber cheap though, god knows how young people actually get on the road nowadays :wtf:
Whos that with?
They are just daft quotes tbh.
Have a look round for some realistic prices.
My 1st year was around £1200, pretty much same circumstances/car as your nova...
daverobson
06-04-10, 07:58 PM
i paid £1,700 for my 1l two years ago.
i know a lad who is paying 2,200 on same model ect...
the prices are goin up every year. in a few years it will be like 4k for a small car lol
Whos that with?
They are just daft quotes tbh.
Have a look round for some realistic prices.
My 1st year was around £1200, pretty much same circumstances/car as your nova...
That was XXX years ago though
That was through Confused.com, i know they add such amount ontop for fees, so trying some direct quotes, swiftcover, avaiva, direct line etc
just get a moped FFS.
uber cheap insurance.
and transport/freedom.
Fcuking hell, making me feel old now. Ive just realised that was like 6/7 years ago, seems like yesterday!! :eek::eek::eek: lol
just get a moped FFS.
uber cheap insurance.
and transport/freedom.
He has a bike lol Would still have the same problem in a few years.
Try direct line anbd churchill, half the price of most things on comprassion websites + take your dad off the cover!!!
Mine should of been £3100 on confused last year.... I got cover for £1850 with directline and thats on a 1500td nova
This year it was £1250 with a Years No Claims :D
Try direct line anbd churchill, half the price of most things on comprassion websites + take your dad off the cover!!!
Mine should of been £3100 on confused last year.... I got cover for £1850 with directline and thats on a 1500td nova
This year it was £1250 with a Years No Claims :D
Do mopeds count as no claims? as ive been riding for 1 year but nto claimed
Howcome mtaking my dad off willr educe it? can see why msot young people do "fronting" now
your no claims off the ped dont carry on to car insurance
Southie
06-04-10, 08:17 PM
WOW :eek: I paid when 17 £830 tpft on a 1.0 :eek: How prices change.
Good luck Dave.
mk1nova_rich
06-04-10, 08:18 PM
Direct Line are very competitive, give them a go :thumb:
Do mopeds count as no claims? as ive been riding for 1 year but nto claimed
Howcome mtaking my dad off willr educe it? can see why msot young people do "fronting" now
No, and not sure but it will
Direct Line are very competitive, give them a go :thumb:
they said due to info given, they cannot quote me
Said i was 17, had my licence 2 days, and wouldnt quote me :confused:
Your in the motor trade, you have no ncb. That's how they get the prices...
Try HIC.
My mate's on a multicar with his parents, it's all above board in his name and pays £105p/m and has been driving for 8 months, his went down after 2 months when his parents got another years NCB,
Try admiral they might be able to do something
He had a 1.28v Corsa and smashed it up, now has a 1.2 16v
Are they? They used to do any one with a learners...
Last time i used them they were 19+
sulphur
06-04-10, 08:58 PM
Moneysupermarket usually come up with cheaper quotes than confused. Those are ridiculous though, my first year on a 1.4sri was 1400, you shouldn't have to pay more than that really for a 1ltr.
Christ, it pays to be old.
I guess I have 9 years on you, but I remember paying £1130 on a 1.4 Nova SR at 18.
lol my first years insurance was £600! 11 years ago though :wtf:
You really are going to have to hit the phones and ring round, comparison websites are only for lazy people.
your no claims off the ped dont carry on to car insurance
Some companies may take it into account and give a small discount though.
My first year on a 1.0 Nova was £700. Got my GSi when I was 19 and that was only £700 as well, still paying nearly that on the bloody thing now at 28. Insurance is really harsh, especially in the North West.
Blimey! My SR at 17/18 was £1400 FC. The R5 about £3.5k or £3.8k something like that lol
I get mardy nowadays if insurance is more then £400 a year lol lol
lol and I think £690 to insure 3 cars FC is too much lol
probert_nova
06-04-10, 11:03 PM
the job you do can effect the quote you get aswell.i remember some people saying they couldnt get quoted if they were in the motor trade.(even though i though your insurance use to be cheaper)might be worth getting a quote but this time changing the job you do to something like labourer to see if that is whats effecting your premium. definatly take your dad off aswell though if he's in the trade. i found my quotes to be more expensive by a few hundred if i put i was a student instead of my old job as a labourer.
having another person on your insurance can up the premium or bring it down depending on the company. elephant was alot cheaper for me without anyone else listed as a second driver.
also comparison websites are'nt hugely reliable, if you follow the quote up onto the actual site such as norwich union, you'l usually find the quote comes up cheaper if youd just got a quote straight from them. e.g a few times ive clicked on to the quote information screen, selected 3rd party instead, then clicked back to fully comp and the price comes up cheaper than before which was given to me by the comparison site.
MattBrown
06-04-10, 11:38 PM
Not bad dave, infact, if all mods are declared, its cheap!
Not bad dave, infact, if all mods are declared, its cheap!
Their with no mods declared, tbh if i cant get the quotes any lower, ill have to sell the Corsa i think :(
CoolTiger
07-04-10, 01:20 AM
i paid 3k on my nova last year and im paying 2200 on a 106gti and same nova lol madness
brainsnova
07-04-10, 01:24 AM
its amazing what n.c.b does lol
15 years ago I was 17 just passed my test and had a 1.3 sr insured in my name for £900 TPTF with gladiator ( a division of admiral for younger drivers ) it now costs me £400 fully comp to insure my S3 and her 206 together! It sucks to start with but you gota pay it mate.
brainsnova
07-04-10, 01:30 AM
10 years ago i was £1050 on a 1.3sr TPFT with norwich union. then £134 fully comp 2 years ago on a 1.2 spin lol
Nova_Sean
07-04-10, 02:28 AM
i was 1200 quid last year on 1.2 nova - thats with direct line
Try Bell, theyre cheapest so far for me this year
MattBrown
07-04-10, 08:48 AM
£1501 for me last/this year, first year of driving.
My name
Millage etc
Direct line
Their with no mods declared, tbh if i cant get the quotes any lower, ill have to sell the Corsa i think :(
Told ya it would be silly to insure when ya first got it, being a 1.4.
spanishfly
07-04-10, 05:40 PM
I will be paying £335 on my nova:( All mods declared (Tbs, SCCR, cage, perspex etc etc) If I insured it standard it would be the same... lol
Im sure the lad doesnt want to know about you all getting insured for 10 bob a month back in t'day........:roll:
Insurance is a fukkin rip off,end of.
At the end of the day,your 17,in the wrong job (insurance wise) and you live in the Bronx.That said it shouldnt be anymore than £1500.Its fukkin ridiculous.
andy_mk3
07-04-10, 11:12 PM
This put me off getting a 3.0 omega lol
http://i10.photobucket.com/albums/a102/muckingfuppet/9f5d23ca.png
Try Quinn as they are pretty good for young drivers.It was £1800 for me 18 years old/0 ncb on a corsa gsi.
I got a quote the other day for an Evo 6.Im 23 years old with 3 years ncb and it was £3700!lol
MattBrown
08-04-10, 10:12 AM
Try Quinn as they are pretty good for young drivers.It was £1800 for me 18 years old/0 ncb on a corsa gsi.
I got a quote the other day for an Evo 6.Im 23 years old with 3 years ncb and it was £3700!lol
HAHAHAHAHA
You fail, they went bust 8 days agolol
MattBrown
08-04-10, 10:13 AM
its amazing what n.c.b does lol
He had a couple of hedge moments, but tbf, kept his nose clean:thumb:
HAHAHAHAHA
You fail, they went bust 8 days agolol
Probably from offering cheap insurance to young drivers lol
They won't disappear entirely anyway, its likely they'll get sold off to another company/bank/rival.
juat for being a civil servant my quotes dropped on aveerage £600 from being a machanic. dave, i'd sell both and buy a 1.0 12v corsa, group 1 insurance. then tell em its worth £10. and agree a higher excess if you can. failing that lot, move.
I got told by an insurer before that the less value your car is worth,the higher the premium as they reckon "you dont give a toss about it so wont be arsed about crashing and where you park it etc" They told me that in those exact words!!! I forget who it was now lol
juat for being a civil servant my quotes dropped on aveerage £600 from being a machanic. dave, i'd sell both and buy a 1.0 12v corsa, group 1 insurance. then tell em its worth £10. and agree a higher excess if you can. failing that lot, move.
There group 2/3 and under the new style groups, its 5.
Not the cheapest car to insure, deffo a couple of cars cheaper to insure.
As i would know ofc, i own one.
jas2000000
08-04-10, 07:33 PM
Better pump the tyres up on your bike again! lol :D Oh dear.
Not the cheapest car to insure, deffo a couple of cars cheaper to insure.
See my other thread where I tried to insure the cheapest group 1 car possible, if I was 17. And it still came out around the £2k mark lol
MattBrown
08-04-10, 08:51 PM
Probably from offering cheap insurance to young drivers lol
They won't disappear entirely anyway, its likely they'll get sold off to another company/bank/rival.
How can they dissappear, its a town in ireland
Everything is quinn, theyre irish mobsterslol
Swinton tell me my Nova is just about the cheapest car to insure, not sure how true that is cause it isn't the lowest grouping on Parker's but they say so somehow
Think what im going to have to do, whic i really dont want to do, is "sell" my Corsa to my Dad, wait for the logbook to come through in his name, get him to buy insurance for it as him as the named driver, and then me for occasional use :(
Hopefully bring it WAY down, but we'll wait and see......
Mattman
09-04-10, 08:41 AM
Think what im going to have to do, whic i really dont want to do, is "sell" my Corsa to my Dad, wait for the logbook to come through in his name, get him to buy insurance for it as him as the named driver, and then me for occasional use :(
Hopefully bring it WAY down, but we'll wait and see......
It will give you a cheaper premium, by how much? depends on the insurer and some insurer's account for this and load the policy premium the minute a young driver is added, especially if there are more than two cars in the family.
If the insurance company find out that you are the main user (fronting the policy) then they have the right to void your policy. Just a heads up if you do go ahead with your plans.
vaughanmc
09-04-10, 08:53 AM
Can't remember what I was for my 1st year Dave but I'm with Admiral or Direct Line (Can't really remember)
Nova 1.2i, garaged every night, NO mods, TPFT, 1 years NCB, my policy with my Dad as the named driver and it worked out about £700
MattBrown
09-04-10, 10:25 AM
Think what im going to have to do, whic i really dont want to do, is "sell" my Corsa to my Dad, wait for the logbook to come through in his name, get him to buy insurance for it as him as the named driver, and then me for occasional use :(
Hopefully bring it WAY down, but we'll wait and see......
Insurace fraud? Nice one:thumb:
No-no claims
You always have to pay with cash when you fill up
You will get pulled 24/7 like the kids round here do
^TBH tho how else is he going to be able to insure his car?!
Some companies will do NCB for the named driver and i fail to see how being pulled is going to affect him, whats to say that one time hes pulled over is the one night a week he uses the car?
I've said it loads of times, your first car needs to be old and sh*t with a small engine, that keeps the price down. Pay your money, don't drive like a dick and you'll build up NCB and your price will come down.
Its how the rest of us have done it. I know i did, My first one was £350 for 6months with a discount on the next years which was then £800, but i came out with 2 NCBes, Its been getting cheaper since.
My car was insured for the year it was in the bodyshop, as it gave me another years no clamies.
With out building up NCB you wont get any where at all. So not being the named drive means you'll get all these probs next year too.
Insurace fraud? Nice one:thumb:
Actually not
I will sell the Corsa to my dad, for soemthing stupid like £5, the car will then become his, he will register it in his name, and then hell elt me use his Corsa for occasional use :p
Its only fraud if its actually registered to me, as then i should be the named driver
You wont build up NCBes tho so you'll always be in this boat...
^No, 18 year old with a years driving experience wont pay as much as a 17 year old, with the same 0NCB.
No from what i found.
My dads been driving for 30+ years, he tried to get a quote on my Nova years ago. But cause he has no ncb cause he's got a company car.. The quote was the was him as it was for me.
I've never heard that "driving experience" means funk all.
Really? I looked for quotes a few years back for standard novas with 0NCB (as a second car to the Celica) - 1.2's were coming out around the £250-300 mark. Show me a 17 year old who can get a 1.2 in their name at £250 lol
Age does make a big difference, especially once you reach 21.
But just not as much difference as ncb does
Lee-Gsi
15-04-10, 10:20 PM
first insurance was with elephant
£1200 TPFT for a totally standard nova gsi.
Ill have been on the road for 4 yrs in June, im paying £600 fully comp on a 53 plate impreza.
o_0 there the worst quotes i have ever seen, i was 17 driving 6 months and had my hands on a 2.0 toyota celica.........that was an import too...2k a yr, now thats a good price for a 2.0 but for a frickin nova!...tis £500 on mine, and thats with churchill lol
Age does make a big difference, especially once you reach 21.
But just not as much difference as ncb does
so true i can offically have my supra :thumb:
2k a yr
how the hell do you manage that, I probably get more mileage on the palm of my hand in the course of a year lol
Nova_Sean
16-04-10, 12:40 AM
Think she means 2 grand a year lol!
I said on my first years insurance that i would do 2k miles, but i didnt have a clue, done over 20k ad ive still got another 7weeks on my policy! whoopsy
Trendall
16-04-10, 01:52 AM
best thing to do is just get your old man to insure it and have you as a name'd driver. but god help you if you crash and he lose's his NCB lol. or do what a mate of mine did get a zafira big family car cheaper insurance then. get a toyota sapce wagoon thing and you might get a few pennys knocked of them price's
just want to make it clear not say ing buy a toyota space wagoon thingy as i love vauxhalls to much and tbh my mate did look a bit of a pillock when he drove around in it lol. got to admit was funny
Trendall
16-04-10, 01:56 AM
This put me off getting a 3.0 omega lol
http://i10.photobucket.com/albums/a102/muckingfuppet/9f5d23ca.png
if you had £777.56 a month to throw away on insurance why would you get a 3.0 omega. i did a quote on a ferrari 23years old 3years NCB and that would of cost me £6800 a year. damn if i had that much money to throw away each month i would buy a house or a very nice car to live in :P
Actually not
I will sell the Corsa to my dad, for soemthing stupid like £5, the car will then become his, he will register it in his name, and then hell elt me use his Corsa for occasional use :p
Its only fraud if its actually registered to me, as then i should be the named driver
Will you do more miles then him though?
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