Grrrr Ffs

[NovaLad]

been trying for around 1 month now to get a quote for under 2000 on my nova merit and it just aint happening!!!!

I want to get insured today or tomorrow and by the looks of it unless i pay 2600 minimum i aint got a chance !!!!

They piss me off so much!!!!

Rantover!!

[ANDYRACER]

Wtf aint it only a 1.2?
They only wanted 1.8k for me at 17 on a corsa sport.
Go on your rents insurance for the first year.

[Jack]

Don't go on your parents insurance. i thought you were down to ?1600?

Tbh I'm surprised you're even getting any quotes at all considering its modified. I know you don't want to hear it, but try removing mods as a last ditch effort. That may well save you a few quid.

Other that that... try admiral/elephant with mum or dad as a second driver. Limit your mileage, limit your cover (i.e. TPFT with no options), take a bigger excess, ask about a discount for pass plus, get security on the car. Consider paying monthly for the insurance, although in the long term that will work out more expensive it may be easier on the wallet in the short term. Or see if you can get a 0% for 6 months credit card.

There's a few other bits and bobs you can try. How expensive is a sex change op these days...? lol

[NovaLad]

I'm not going on dads... and them quotes are mods not declared!

I did get it down to 1600 and when i rang them up they said the quote was from end of may and the quotes only last 30 days so i couldn't have that ... and their new quote was 3600.

[NOVA_LEE]

my first quote was 2600 when i was 17 now 18 its nearly 1700 3rd party fire and theft, its mad how much ya have to pay

[NovaLad]

I have even rang up classic insurance and got off them you ahve to be 19 with us... and the place my mate ith who is 18 said it's 25 now to be with us on classic or standard insurance... GRRR!!!

I must have rang every company on the web!

[General Baxter]

I must have rang every company on the web!


nolt all of them, iv added you to msn :thumb:

[Adam]

Tried LV?

All the best companies wont insure you till your 19, thats the problem.

[NovaLad]

Lol i'm on a site that asking me if i a member of any clubs and what it is but performance nova group not their :(

[NovaLad]

They didn't ask any questions online about security etc... but the quote i just got from privilege was '' Your car insurance quote ?2,068.50'' third party fire and theft!
Gunne give them a ring tomorrow woo

[stevenf]

i was only paying 1200 tpft on a 1.2 nova mods declared when a passed ma test at 17 will try and find what company i was with and let you know:thumb:

[NovaLad]

Trust me i have prob tried every company mate ... and if they can't insure ya they all take ya to the same place ... www.comparemore.com been their around 10 times today lol...

Got to ring up my dads insurance brokers 1st thign after college tomorrow then privilege!!!

[stevenf]

what mods have you all got done?

[adam c]

have you tried ecar?or quinn direct?

[NovaLad]

Yup

[Adam]

I paid ?1100 for a 1.2i, when i was just turned 18, been driving a few month.

[NovaLad]

Doesn't help i'm in oldham and it aint got alarm etc... but it is in garage overnight.

[Adam]

Limit the miles too

[NovaLad]

Every quote has been about 9000 miles... Also when i was ringing aroudn i asked abotu 10 diff places what diff it would make if i had pass plus and they said none.

[Riggy]

thats the sort of price you have to pay these days mate, thanks to all the unisured scum driving about without declared mods or engine conversions etc , they put all our prices up ,

when i passed my test i was payin 900 for my first nova with all mods declared lol , heck im still payin 600 now allbeit for a 2.2 sri astra

my mate passed his test 2 years ago at 18 and he payed 3500 for a 1.2 clio and that was the cheapest quote he could get ,

[Mazz]

Have you tried www.confused.com or www.goinsure.co.uk

[NovaLad]

Yup

[ANDYRACER]

Go on your dads insurance for the first year, itll come in around 1k, then the 2nd year of driving ull be 18 and able to pay it monthly and places like Quinn direct will take in consideration that uve had one year accident free driving and your insurance price will drop loads.
Mine dropped ?500 cos i could prove i had been driving a year under my dads name, i paid at 18, with 1 years driving exp ?1250 on a Nova Sr.

Didnt you also say your mum didnt live in Oldham and had a better postcode? Insure it as your mums address if that is the case. :thumb:

[NovaLad]

It's illegal now isn't it??

Anyway got a quote last night for ?2,068.50 and with pass pluss it's ?1,868.50 so going to prob pay for that tonight and then do pass pluss in jan.

Only prob now is when insurance papers come the post offices mite be closed cos it crimbo :(

[JSeymour]

go on the rents insurance for a year, i did for 3 years and now im on my own its a lot cheaper, ive never had any problems with it, and ive had a shunt and been pulled over loads of times.

[JSeymour]

illegal! pahh!! the insurance companies who cover you and charge you an arm and a leg for a ****ty nova will try and wangle there way out of any money they might have to pay out, its how they make so much money, they rob poeple blind and get away with it.
tell a few lies to save yourself a bit of dosh.

[Stuart]

mmmm Fronting and fraud.... not really good advice to be handing out on a public forum.

Makes my ?900 TPF&T for my first years insurance wayyyy back in 1999 seem very cheap lol.
5000Miles is a magic number too ;)

If you have any older friends who have not had an accidents/endorsements in the past 3-5 years are also worth sticking on as named drivers (preferably females) as it hauls the price down.

After the first yer the price will tumble, and after that etc. assuming you dont change the car it will be nearly free lol. My old nova that I had for 5 years was down to ?150 TPF&T lol

[NovaLad]

It's down for 9000 in a year Stu...

[JSeymour]

well put 6000 lol

[Adam]

They will take your mileage btw...
So if you put in claim and the mileage is only the insured limit, your not insured...

As already said, the price rockets down after a few years.
I paid ?1100 on a 1.2i.Aged 18

I now pay ?400 on a 1600 16v converted nova, all mods. Aged 20, 3years ncb. Ungaraged, 6k miles.

[NovaLad]

Ok sorted ... insured from 1st of jan.
Going to go on my uncles traders tax till i can sort the logg book out so it's at my mums address.
Then once the papers come back too my uncles garage i will then change it too my mums address so everything it correct.
Can;t waiiit!!! woo lol !

[Jack]

illegal! pahh!! the insurance companies who cover you and charge you an arm and a leg for a ****ty nova will try and wangle there way out of any money they might have to pay out, its how they make so much money, they rob poeple blind and get away with it.
tell a few lies to save yourself a bit of dosh.
Hang on. You've just said the insurance companies will look for any reason to get out of paying, yet you've then gone on to say you should lie about your details? Isn't that a little bit contradictory?

Its not so much uninsured drivers that ups premiums, as there's a central fund for that kinda thing, but young drivers who get powerful cars and crash them. A guy at HIC once gave me a quote (a few years back) for an S14a at ?1400 because they'd had a lot of young, inexperienced people buying them - as they were cheap to buy and insure - and then crashing them, causing thousands worth of damage. In one case, millions worth!

[JSeymour]

Hang on. You've just said the insurance companies will look for any reason to get out of paying, yet you've then gone on to say you should lie about your details? Isn't that a little bit contradictory?

in a way, yes. but the money i earn compared to what they earn is massively different so its ok:D

[burgo]

try kwik fit, they've just insured me for ?370 :) i am 22 with 2 years no claims tho lol

[NovaLad]

Read the whole thread lol or atleast the top of this page lol.

Kwik fit quoted me 2600

[burgo]

Read the whole thread lol or atleast the top of this page lol.

Kwik fit quoted me 2600 :wtf: meh

[novautd]

my 1.2 is insured fully comp, and cost me ?1100, and im 17. but i live in a low car crime area

[matt_vaughan]

who you with mate?

[novautd]

im with fortis, you can phone swinton to get a quote from them

[Lee]

in a way, yes. but the money i earn compared to what they earn is massively different so its ok:D

All well and good till you smack into a new rolls royce or something else ludicrously expensive, and then are declared uninsured because you told a few porkies.

Not a situation you want to be in, especially for the sake of a few hundred quid a year lol

[Stuart]

why bother with fully comp on a nova? the extra cost of the policy coupled with the fact novas are pretty much free to fix means its an uber waste of cash.

[novautd]

because it wasnt allot cheeper for 3rd party, like only 30 quid or sumit stupid, so i thought y not