insurance with learners--wtf??

[Shaun_O'Donnell]

Insurance rates are also based on "How Safe" a vehicle is. I am currently paying half the premium rate for a 1987 1.0 Nova on TPF+T than I was for a 2000MY 300bhp Impreza Fully Comp.

[Welsh Dan]

My better half passed her test in june last year, flux wanted another £500 or so to add her until the policy expired in september, we declined. Come september they wanted another £70 for a full year...

[Asa-James]

@ shaun--

the agila's a complete dog, damaged down one side where a motability bumped it before we got it cheap (very cheap!) so my dads not too fussed who drives it. hell, i drove it once, never again. the only car i've ever driven that understeers the opposite way to where you want to go!

[Jack]

1300 quid for my own policy on my 1.2 nova....hmmmmmmmm

It was 2200 quid until I added my dad as SECOND driver.

Insurance is absolutely crazy

Thats because they assume if a more experienced driver is also on the car, greater care of it will be taken.

wow thats strange. 10x cheaper on a 1.8 then a 1.2

The Agila is newer, worth more, and has an engine almost as powerful as the cav. IIRC the 1.2 16v agila engine is ~85bhp? The cav is only 90.

insurance is confusing. its going to cost me about 2 grand WITH my mum on the policy for a 1.2... and i have a mate who is 17 and owns a saxo VTR and the insurance costs him 1200 a year fully comp. wtf.

and plus i live in the most expensive place regarding insurance prices. little while ago there was a thread on here about postcode risk calculator. mine came out highest

There's your answer then.

but then how do insurers work out that im higher risk in 1.1 fiesta than 2 litre rwd bmw?

Claim rate perhaps.

Some of the quotes are stupidly random like that, a couple of times me and my housemate have got quotes that were cheaper fully comp than tpft !

Set the voluntary excess to 0 and I bet it will be more expensive. And yes, it can depend even on what time of day you get the quote in some instances.

one thing that i thought was ****ed up with mine was when i was insured as a learner on my 1.3sr i was paying £1100 i think. yet when i passed they put it up by £100 to £1200

Learners have cheaper policies than fresh drivers, as the former will be accompanied by a driver of >21 (or is it 23 now?) with 3 years experience, so the general assumption is they're less likely to do something stupid than a fresh driver who's out on their own and thinks they know it all after having just passed their test.

Incidentally, there's an insurance forum. Which in about five seconds will contain this thread

[Shaun_O'Donnell]

as the former will be accompanied by a driver of >21 (or is it 23 now?) with 3 years experience,

Still just 21 RJ

[dj_wudgey]

thats weird that like!!! its stupid that the 1.2 is moore expensive

[retrimmer-oz]

when i was learning in my nova 1.2 it was £1800 then when i passed it went up to £2000 then when i had 1 years no claims it went down to £1000 now ive nearly got 2 years bring on the xe!!