View Full Version : Young Drivers Insurance
Searching around for insurance on the Nova. I am still learning but am looking at taking my test within a month or two. The cheapest I found was £2,700 fully comp with the CO-OP. I was also curious and the same policy on a KA was nearly 4K :eek:. They also state they give you get a 40% discount with Pass Plus which i'm getting for free.
I was just wondering what sort of prices people were getting and if they had any experiences with Pass Plus discount! Cheers.
boyd_1989
01-05-11, 02:05 AM
Im 21 and im paying £85 a month on my 1.2 LUXE nova and ive been driving just over 1 year (no no-claims though) on my 1st year i was paying £170 a month
mk1nova_rich
01-05-11, 08:09 AM
Insurance is just legalised theft, they wonder why there are so many uninsured drivers... :wtf:
How old are you? I'm 21 and just got a quote from Adrian Flux on a modified 1.6 Nova....£2395 TPFT. Its my 0 NCB thats sending it up, I've never made a claim just couldn't justify paying so much money to insure a 1.2 Nova or Corsa :mad:
MK1_Ben
01-05-11, 10:23 AM
I'm 19, years NCB, nice area etc. Paying £2.2k a year fully comp on a 1.2 Merit with all the extra insurance options (modifications declared, legal cover, breakdown and whatnot).
In reality you won't insure a Nova on a decent policy for under 2 grand until you're into your mid 20's.
I'm only 17 so it doesn't sound too bad compared to evryone else's quotes. Cheers guys!
yea if you can mate leave your car as standard as poss and bite the bullit to gain your 1st years ncb, as building up your ncb is vital at your age.
After the first year it should go down considerably each year providing you get no extra points and no claims and dont go silly with your modifications
Nova_Sean
01-05-11, 08:29 PM
I payed 1200 for the first year on my nova, got 3points (sp30) and payed 700 the second year, now looking at around 1100 for 2.0 HDI pug 306.
Its never gonna be cheap, but does get better!
MK1_Ben
01-05-11, 11:29 PM
After the first year it should go down considerably each year providing you get no extra points and no claims and dont go silly with your modifications
Nothing major the first year. My old policy on my other car went from 1600 to 1400 when I hit a years NCB, 200 squids isn't a huge saving when you're paying almost 2 grand :(
mine went from 1800 to 1200 then to 600 lol
Im paying £4800 on a Nova 1.0l... youve got it cheap lol
Nova_Sean
02-05-11, 11:04 PM
;o
shed-on-wheels
02-05-11, 11:25 PM
xxxnova been there aswell dude lol
matt_vaughan
04-05-11, 11:03 AM
1st Year - £1991
2nd Year - £1050
3rd Year - £950
It does go down. The third year was this year though, and therefore subject to the hurrendous insurance hikes.
Currently driving a Corsa Sport 1.4 XE though, paying £1200 for the privelage to insure that.
Modified insurance can be cheap though, cant remember who it was, but got quote following quote last october
Nova 1.2 Lux
2.0 XE engine declared
Everything possible declared, suspension brakes etc etc
2 years NCB
quote was £1400 which i was surprised about, considering a month later I payed £1200 to insure a 1.4 corsa
Just bite the bullet and build some no-claims up, it's worth getting it under your belt early as it starts to come down in your 20s.
I'm 19, years NCB, nice area etc. Paying £2.2k a year fully comp on a 1.2 Merit with all the extra insurance options (modifications declared, legal cover, breakdown and whatnot).
In reality you won't insure a Nova on a decent policy for under 2 grand until you're into your mid 20's.
i am going to sound very old here but this is a harsh reality
when i was 19 i insured a 1.2 sting for £800 with pass plus in my own name
i also insured a gsi at 21 for £700 with 2 years NCB
a 2.0 16v conversion SR for £480 at 23 with 4 yrs NCB
modern day insurance for those with no history is simply a harsh time but a lot rides on your postcode as well as your age. try your details at a "safer" postcode and see the difference (its shocking!)
Will
MK1_Ben
05-05-11, 06:58 AM
My Postcode is in the "safest" category already :).
Will, things have changed a bit since we were young, as I found out last year (http://www.pngclub.com/forum/showthread.php?t=140388) lol
That was Feb last year as well, so things have probably gotten worse since then too. Its not uncommon to find younger drivers on here insuring their Novas for £4-5k.
its awful. the quotes i mention above are from 2002, 2004 and 2006. appreciate i was getting older and more NCB but still "young"
I am so out of the loop in general insurance as i havent had my own insurance since 2006 (company insurance on a golf)
do people still do the usual fronting to reduce it or has that hole been closed properly now?
or the other favourite of driving other cars on a 1.0 to drive a 2.0 16v insured in your nans name etc?
MattBrown
05-05-11, 11:54 AM
do people still do the usual fronting to reduce it or has that hole been closed properly now?
or the other favourite of driving other cars on a 1.0 to drive a 2.0 16v insured in your nans name etc?
Have to be 21 now.
I tried to insure my 1.0, and drive the track project, but computer said nolol
Have to be 21 now.
I tried to insure my 1.0, and drive the track project, but computer said nolol
a few of us got driving other cars with the old CIS insurance at 17. those were the day :( lol
everyone in college used to drive each others cars / parents cars, you name it. naughty! this was 11 years ago tho :O
Hoochie
05-05-11, 01:39 PM
Its not uncommon to find younger drivers on here insuring their Novas for £4-5k.
Why??...and how?? seriously how does a 17,18,19yr old afford to pull out that kind of money to insurance a car? especially when it's value is not even half of that!!...:confused:
NathanSRi
05-05-11, 03:05 PM
I'm 19, just got a years no claim, renewed late last month.
From being a standard SRi it was £1600, renewal with lowering and my dad as a named driver £1050 :d
MK1_Ben
05-05-11, 03:51 PM
Why??...and how?? seriously how does a 17,18,19yr old afford to pull out that kind of money to insurance a car? especially when it's value is not even half of that!!...:confused:
We grin and bare it,
I bought my Nova originally for £200 (have obviously spent alot more than that on it now), but I pay almost £200 a month on my Insurance alone. Couple that with other essential outgoings and I'm scraping by each month.
Also as above, my Insurance was £2.6k until I added my Mother as a named driver which reduced it to £2.2k
AndyGTE95
05-05-11, 09:56 PM
am absoulutly bricking it reading some of these quotes for 1.0l and 1.2 !
as if all goes to plan my first car with be a 1.6 GTE
how badly will i get stung for insurance for that :cry:
but my dad did come out with a good idea a few weeks ago.............
.... classic car insurance ??
Classic car insurance tends to have a lot of restrictions. Depends on the company, but most will require it to be a proven second car, very limited mileage (usually 6k or less - and most kids in their first year drive EVERYWHERE lol), garaged etc.
A GTE as a first car will be a struggle tbh, an rightly so IMO - yes its "only" 100bhp, but for a first car thats a lot.
Why??...and how?? seriously how does a 17,18,19yr old afford to pull out that kind of money to insurance a car? especially when it's value is not even half of that!!...:confused:
Lots of vaseline and pull wide before the insurance company enters.
TeddyThom
05-05-11, 11:13 PM
Lots of vaseline and pull wide before the insurance company enters.
Most like it bareback...
Why do they always up the insurance when you switch to anothe car, that is virtually the same (as in I went from a 4speed merit to a 5 speed L) then told me my insurance was gonna go up a tenner a month, I know it ain't a lot but that ain't the point...
Most like it bareback...
Why do they always up the insurance when you switch to anothe car, that is virtually the same (as in I went from a 4speed merit to a 5 speed L) then told me my insurance was gonna go up a tenner a month, I know it ain't a lot but that ain't the point...
Mine went up £130 when I switched from a group 11 list of mods as long as my arm 1.6GTE engined nova to a group 5 had to have an air filter to satisfy my modified policy 306 diesel.
General Baxter
05-05-11, 11:24 PM
well i think its more mummy and daddy, look at the shows all the 18-19 year olds are all driving corsa vxr replica's
MattBrown
06-05-11, 12:26 AM
well i think its more mummy and daddy, look at the shows all the 18-19 year olds are all driving corsa vxr replica's
No reps round here?
All gem vxrs at 19 and above!
Also gsi turbos.
mk1nova_rich
06-05-11, 07:02 AM
am absoulutly bricking it reading some of these quotes for 1.0l and 1.2 !
as if all goes to plan my first car with be a 1.6 GTE
how badly will i get stung for insurance for that :cry:
but my dad did come out with a good idea a few weeks ago.............
.... classic car insurance ??
Errmmm sorry to piss on your bonfire and all that, but not going to happen unless there is a drastic change in the insurance market lol also you will struggle to get a classic policy at 17...I've just gone 21 and its not that much better now
MK1_Ben
06-05-11, 07:08 AM
No reps round here?
All gem vxrs at 19 and above!
Also gsi turbos.
Same here, I'm friends with a couple 20 year olds, one has en Evo (Said friend with the Evo is one of the few who pays for it himself), the other an E46 M sport, know of plenty of lads driving "powerful" cars mummy and daddy have paid for (everything from new Golf GTI's to Astra VXR's, S14's etc).
Some people will pay through the nose for insurance though; if you're taking out finance to insure a 1.0 shed at £4k, why not just increase that to £7k and insure something decent. Either that or they're fronting. Actually, do new Vauxhalls come with on years free insurance? I forsee a lot of cheap VXRs being on the market soon (see: Saxo VTR lol)
At the end of the day, insurance companies are businesses and out to make a profit. If they have to keep paying out to cover young driver losses, uninsured losses, etc then prices will rise as they strive to keep profits up. That one is called profit margins, comrade. Welcome to Capitalism :d
In the "old days" (lol) it was a case of they simply wouldn't even give you a quote on, say, a GTE if you were 17. Nowadays it seems they'll just throw some 4 digit number at you in the hope that you'd be daft enough to pay it, and a lot of the time people are. That starts the ball rolling with "well, that guy paid it, lets see if this guy will pay it too..." so prices go up. Unfortunately, because we need insurance by law, we can't say no, so we're stuck. If insurance was optional, prices would fall through the floor and the whole system as it stands at the moment would collapse and have to be reviewed.
Think of it like oil - we pay through the nose for it, because we need it, so the suppliers keep pushing the price up... if everyone was to stop buying oil because the price was too high, the market would implode and the price would drop. From $145 to $35 in fact lol
Why do they always up the insurance when you switch to anothe car, that is virtually the same (as in I went from a 4speed merit to a 5 speed L) then told me my insurance was gonna go up a tenner a month, I know it ain't a lot but that ain't the point...
Its because they know most people won't risk losing their ncb over the sake for a few quid - especially young drivers. For old farts like me with "max" NCB its not such an issue as losing a year NCB won't make diddly squat difference, but most are still too lazy to change. Its also similar to renewal premiums being higher than new policy premiums, where they hope people either are too lazy to shop round, or just accept the price and pay it.
Hoochie
06-05-11, 09:28 AM
well i think its more mummy and daddy, look at the shows all the 18-19 year olds are all driving corsa vxr replica's
Well tbh that's what i was thinking Baxter, i mean we are 2 grown ups with a decent wage coming in and could never afford that much, between us we pay £1200 for our 3/4 cars and that stings!!..:(
General Baxter
06-05-11, 10:58 AM
i had to buy my own car, was £1800 of slater, then a wooping £5k to insure it and that was 7 years ago, think of what the price insurance would be on a boby kitted 20xe nova with l plates would be now,
i passed a clio 225 or what ever it is on a 10 plate, the lad driving must of been about 18 years old, :(
but then again when i was 19 i had a E30 325i with 190bhp and a welded diff lol
TeddyThom
06-05-11, 02:49 PM
i passed a clio 225 or what ever it is on a 10 plate, the lad driving must of been about 18 years old, :(
I was out the other day and a corsa VXR rep came and sat next to me, the guy didn't look old enough to be out of school let alone driving an 11 plate corsa and smoking lol
AndyGTE95
06-05-11, 11:07 PM
Errmmm sorry to piss on your bonfire and all that, but not going to happen unless there is a drastic change in the insurance market lol also you will struggle to get a classic policy at 17...I've just gone 21 and its not that much better now
well, looks like my mums insuring it then lol :thumb:
nova_sr_boi1991
07-05-11, 10:43 PM
dont half take the piss im 20 and i cant insure a 1.2 in my mums name with 9 yrs no claims and me as named driver for less than £900 and it went up on a 1.0l :/
i was 17, 1.2 merit+ 1300 a year, now 19, got a 1.4 corsa and nova sr,
got a quote for corsa, 1600
but its went up due to me having a crash, so im not as dear as some younger folk on here. cant afford it atm due to be unemployed. id just manage if i was working
mines 1400 with mods declared, a years ncd, and 19 years of age
GK NOVA
08-05-11, 11:22 PM
mines 1400 with mods declared, a years ncd, and 19 years of age
if you dont mind me askin, what insurance company are you with.
Guys, I'm 21 (driving license since 19) zero no claims discount.
I rang footman james and they insured me with Royal Sun Alliance,
the car is a 1.2 L from 1984,
im on limited 4500 or 5000 miles a year
fully comp.
its on coilovers but not stated.
The car is insured in Bury - Manchester from what i remember, average area I believe if not a bad one.
I pay gbp300 for whole year, i paid 100 extra to have my dad on the policy too. I know wierd!
Let me know if you need any other details.
with my x, i was paying 280/year for mine, 1.3 more door. just did a quote on aviva...now 550 (although im not sure if it come up as a stolen recovered now as it was)
christurboo
14-06-11, 11:09 PM
think i can beat anyone on here with what im paying......£270 a MONTH for a 1.0 corsa b third party fire and theft im 19 with no ncb and no points, good area also just a joke but you got to start some were right?
24sevenslacker
15-06-11, 08:36 AM
im 20, got 1 years no claims, and iv been quoted 2.7k on my 2.0 16v with all mods declared, thats with adrian flux, the only company that will even touch me
EDIT: not in a rude way
This is crazy!!!!! When i first started driving 3 years ago it was just over 600 pound paid monthly at about 62 pound a month, third party fire and theft for a 1.3 ford fiesta, next year i got my nova and my insurance went down to pay 57 a month for my 1.2 1 years no claims still 3rd party with direct line still, it would of been a bit cheaper if i wasnt paying breackdown cover too! My 3rd year with 2 years no claims direct line tried to make it more, so i went to churchill fully comp with 2 years and paid 46 pound a month with the option of paying it in full at 460 pounds. My 4th year is coming up and my insurance went down with churchill to 440, direct line quoted me 370 for the year, however i went to sky declared my mods and paid in full 540 this year, which im still pretty chuffed with. I honnestly cant believe how much young drivers are paying today i actually cant believe it! SHOCKED :eek:
General Baxter
15-06-11, 09:52 AM
lol, 5 years ago, i was bombing around in a 200bhp BMW E30 2 door coupe
that was only £80 a month with 0 ncb lol
then it took me 25mins to travel a mile, as the day i got the diff welded, it snowed, oh the joys of that lol
I honnestly cant believe how much young drivers are paying today i actually cant believe it! SHOCKED :eek:
There's a difference between you and everyone else that posted so far in this thread though, look down lol
CarMadRJ
15-06-11, 01:59 PM
my insurance was rediculous, its 2600 for my first year driving at 17 on a 1.2i luxe+...i was being quoted 3500 at one point! adrian flux is who im with. Coming up to renew, and im being quoted 2200 now with 3 points (cu50) and a years no claims. It does get better, honest.
I agree it does start to get better, iv just got 2 years ncb at 19 and its gone down from 129 a month to 98 on my 1.0, but at 17 i was insuring my audi a4 1.9tdi and payin 286 a month, decided it was a bit unaffordable 2 months later and decided to get a small engined car.
johnmathews
09-11-11, 08:36 AM
I have heard about this Quinn Car Insurance for young drivers. Does anyone have an idea about it ?
MattBrown
09-11-11, 11:30 AM
Irish mobsters quinn lol.
Tried to up mine for no reason from £130 a month to about £400.
Due to an "admin" error lol
These were really cheap for me 2 years ago then put my premium from 1200 to 3700 on a 1.0 corsa b with 1 years ncb, then i heard they went bust but safe to say i didnt stay around after my renewal.
Trivs_Tom
09-11-11, 04:06 PM
im 19, no ncb, had my license 2 months, first car is 1.0 saloon, £1150 with my dad and bro as named drivers, parked on a driveway in a decent area. i used moneysupermarket :P
matt_vaughan
09-11-11, 07:36 PM
Endsleigh rang me today, for renewal check (told them to ring me back cause couldnt be arsed with them....)
Anyway, I told them I'd been quoted £912 (just fibbing to see what they'd do, NEVER settle for the first offer guys they WILL back it down eventually) and the lass on the phone said with my STUDENT DISCOUNT I can get it below that definately. So that's just a quick tip off for you guys, they've always insured me in dodgey areas for a decent price too, been with them a few years and always had excellent service.
Just for reference
Corsa Sport 1.4 16V
3 Years NCB
Medium Risk Area
and I'm 20 YOA.
But I HAVENT been fronting insurance so therefore Ive built up no claims. Thanks to the warnings and advice from helpful members on here I've always had my own policies, and yes its been expensive (£2000 then £1200 previous payments) but its now paying off.
I rekon my old 1.2 Nova Luxe would be about 6-700 quid to insure by now.
Calamity Josh
09-11-11, 09:36 PM
I know someone that was paying 8k a year at 17 with pass plus just to rag around a 1.9tdi audi 80 estate!
I know someone that was paying 8k a year at 17 with pass plus just to rag around a 1.9tdi audi 80 estate!
Rampton is quite far from essex mind...............
I know someone that was paying 8k a year at 17 with pass plus just to rag around a 1.9tdi audi 80 estate!
why o why. 8k for a years insurance is beyond a joke. Please slap that person who payed that lol
Calamity Josh
10-11-11, 06:13 PM
why o why. 8k for a years insurance is beyond a joke. Please slap that person who payed that lol
and that's not to include 3 typical vw gearboxes...
TeddyThom
10-11-11, 07:21 PM
Well I'm getting my nova on the road tomorrow, 24, 1 years no claims, good postcode (I think lol) Admiral offered me around 850ish for my renewal, but due to the Mark 1 dying of rot I cancelled. Gonna be goin with teso, £725!! :) nothing extra for paying monthly, and an extra discount thanks to the clubcard!! Fookin result.
pyromaniac_yeti
11-11-11, 01:02 PM
Try £2500 on my TD
this is at 22, with 3yrs NCB
why? Cause a taxi wrote my van off driving into the back of me and its deemed as a claim within the past 6months.:confused:
WFT, thats ridiculous.
Surely a rear ender like that should be a non-fault claim? At worst a 50-50...
pyromaniac_yeti
11-11-11, 01:46 PM
This is what i've just said to them on the phone!
They're calling me back tomorrow as they "might have made a mistake" :tard:
My family motor got rear ended, and we rang the other party's insurance to get it sorted out. Our insurance were not involved at any point.
pyromaniac_yeti
11-11-11, 02:18 PM
Im insured with budget, who are infact minster law, who insure you through highways, who in turn insure you with LV broker, and somewhere in the middle of all of this Drive assist get involved to deal with the valuation of your vehicle/sort you out a hire car.
Its a headache to say the least, and i seriously wouldnt reccomend them or direct line to anyone!
Direct line had me off work for two weeks with my van locked up in an assessors yard after having it explained to them repeatedly that it was URGENT as i was self employed, that it HAD to get done quickly. when i eventually lost my temper and decided to drop the claim and fix it myself, i went to pick it up to find out that it haddnt even been moved. the battery was flat where it'd been sitting, and the rock was still on top of the drivers side wheel. - i'd flipped because they wanted to charge me £250 for a four wheel alignment check when i'd pointed out that with half the rear axel hanging off what the **** did they intend to prove by doing it? anyone with eyes and a vauge knowledge of cars can tell you that with 2" of play in the rear beam nothings going to line up!!
Ended up having to borrow £300 off my boss and pay it back in installments at a rediculous interest rate to get back on the road and earning again.
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