Getting ripped off :( *title edited by admin*

[Jim Mcrae]

My premuim is expensive:( ranging from ?849 - ?2000+

i need the cover to start in july, i will (touch wood) have a years NCB as a named driver. and 1 year NCB from previous year from my scooter. i have a pass plus. I will be 18 will have had a full licesnce for 8 months, the car is a 1200 nova. Any ideas on how this can be knocked down?? i know 849 aint THAT bad but surely it can go down more. Cheers

[bosscav]

gain another 4 year ncb, age by 7 years, and hold a clean d/L for a few more years.
only way to do it really dude, to most insurance company your too high a risk for them, even if your a good driver it's the t**ts the spoil it fo ya

[Mazz]

Try putting your details into:
www.confused.com (http://www.confused.com)
www.gocompare.com (http://www.gocompare.com)

I found gocompare really good, they found me a really good quote on the Cav with 0 ncb

[bosscav]

if you have a thatchem approved alarm and imoblizer, off street parking or even better garaged overnight, all the stuff like that helps

[Jim Mcrae]

Ideal! confused and gocompare got me the same price Endsleigh (https://www.confused.com/pages/quote_more_info.jsp;jsessionid=0000jOt4mX2nDjFMkDH iia53O3z:126ul7hcf?quote=0) @ ?660!!


cheers guys

[Mazz]

tar-dar :) Saved you almost 200 quid!

[General Baxter]

if you have a thatchem approved alarm and imoblizer,


you do know that ?500+ alarm system only takes away ?25 to ?50 off the quote lol

[Jim Mcrae]

No:( the buggers rang be back ,went over the details, quote now at ?1078

[Lee]

Try a limited milage policy. Something 10K or under

[bosscav]

you do know that ?500+ alarm system only takes away ?25 to ?50 off the quote lolno mate, thought it would be more than that tbh.never had one fitted always fitted my own:thumb:
bit of a feckin rip off then init:cry:lol

[Jack]

I'd say ?849 is about right for an 18y/o on a Nova these days. Have you tried elephant or admiral, with your mum or dad on as a second driver? Adding my sister to my Celica saved me ?200.

[burgo]

try liverpool victoria and as jack said adding you mum or dad on as a second named driver usually brings it down

[General Baxter]

yeah my sister, 22 0 ncb, provis licence it took ?300 of my TD, work that out lol

[jamesc]

i hate insurance companys all assholes lol

[novacal]

If you insure the car in your mum or dads name and you just a named driver and insure with direct line that should be cheaper. They give the policy holder and named drivers no claims bonus. Pretty good scheme for young drivers to build up no claims without crazy prices. Hope it helps :thumb:

[Jack]

I'm quite sceptical of the "second driver earns NCB" schemes - more often than not, other insurance companies won't honour that as legit earned NCB, and the original company will usually purposefully keep renewal prices high as they're "trapped" you.

[wisewood]

The wife renewed her tesco car insurance this week. Her renewal quote was ?240, but by putting through a completely fresh quote online on tesco website with exact same information, she came out with a quote ?30 cheaper!

Just goes to show, you should always shop around, even if only as far as your own insurance company.

[Riggy]

lol 850 is cheap , i paid more then that for my first nova about 6 yrs ago lol

[ANDYRACER]

?850! damm thats cheap.

Im paying ?1250 on a nova sr with 1 years driving exp and 0 no claims at 18.

[Lynsey]

lol lol lol haha my insurance was only ?480 when i first passed, thanks to my pass plus :) t'was a 1ltr though ;) lol

[Mike]

my first policy was ?1400 f/c on an SR at 17ish.

Now its ?438 on a 1.6 and ?800 something on a valver

[ANDYRACER]

lol lol lol haha my insurance was only ?480 when i first passed, thanks to my pass plus :) t'was a 1ltr though ;) lol

:eek: :cry:

[gammienov16v]

im lookin at ?2000 on a valver with a 1years n/c/b:wall:

[FUSION X16XE]

wtf im getting quoted ?1373 on a 1ltr at 17, 0 ncb garaged over night also with my old der as a named driver

[Jack]

Whats the first half of your postcode?

[Jim Mcrae]

Whats the first half of your postcode?


cant imagine eastbourne being that high risk tbh

[NovaLad]

Cheapest quote i found online for my 1.2 merit was 1600... lol but that's because i live in sh1tty oldham.

My mate is paying 1600 on his 04 plate 1.4 TD ford fiesta at 17 and just passed.

[Adam]

wtf im getting quoted ?1373 on a 1ltr at 17, 0 ncb garaged over night also with my old der as a named driver
That sounds right to me.
I paid ?1200 for a 1.2i when i was 18!

[Jack]

Ahhh, eastbourne is BN20-22. Risk area B.

Oldham is E at best; otherwise F or "Refer". So compared to Novalad, you're getting ripped off!

Hmm, back in the day - 7 years ago! - I paid ?600 to insure a modified 1.2 fully comp. How times have changed lol

[Riggy]

lol i paid ?902 for a modded 1.2 for my first car lol

i pay just short of ?600 on my 2.2 astra now lol

[Lee H]

I paid ?850 for a modified 1.0 as my first car 9 years ago.

Still paying nearly that much but on something a little bit quicker.

[lynhok]

?1763 TPFT 1.2 im 17 and live in Cannock, Staffordshire (WS)