Never paid more than £650 for my insurance - first year was a named driver on mum's car (Volvo 440 1.8 Si) and had my Kawasaki ZZ-R motorbike for daily commuting so managed to get the mileage on the car right down.

Second year was named driver again, £400, on a Citroen Xantia 1.9 Td.

Third year started my own insurance with Bell, mum as second driver, £650 or so TPFT on a 205 STDT (fantastic car, would still have it if the engine hadn't eaten itsself at 175k miles!)

Fourth year, Bell came down to £500 or so still on the 205 still TPFT

Last year Bell were at the £400 mark, again TPFT on the 205 and then an Escort TDDI Estate as it's temporary replacement.

Now I have a quote for me and the girlfriend on a 1.9JTD 115 '04 Stilo, Fully comp, living in a pretty dire area, no excess and all the extras £440..... totally astounded!

Time shows guys, insurance is killer but once you get past that first year NCB it generally cuts by 50%. Sadly we have to pay for the retards who drive out on the first evening and bend their brand new Saxo/Fiesta around a tree!!

Yellow :woot:

Phreaktwo said:

Did we ever find out how this guy afforded to pay and insure this car at 17?

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Went out and got a decent job I only work 12 hours a week, I spend the rest tinkering with my car..and occasionally studying at sixth form

my new car will be a 2007 fiat bravo 1.9multijet active 120bhp

i got a a quote of adrimal with my dad as named driver it was £790 full comp with 2 years ncb and im 22 years old with my mum as named driver
its £727 and with just me on its £972 which i dont think is to bad for me as i got quoted more on a 306 turbo diesal which was 9 year old

have you tried adrian flux? they have always seemed cheapest when ive got quotes.

Just put a quote through with Bell, I'll be 18 and it gives me the option to drive other cars for extra £40, I've never found an insurer that offers this for under 21s before can anyone verify this, or when I try to get the policy will it tell me to ring call centre who will tell me I can't have it?

I'm with Admiral and I payed around £2200 for GP Sport 1.4 with mom on policy, this was mainly because I wrote off my last car in June last year, and I've only got 1 and half years driving experience, no pass plus.

OLZ said:

Went out and got a decent job I only work 12 hours a week, I spend the rest tinkering with my car..and occasionally studying at sixth form

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What do you get £20 an hour?

Even working 3 jobs i still couldnt afford to buy and insure a car like that along with other things i have to pay for...

heyyy im 19 my insurance is cheap.. when i was 17 i only paid like £550 for a Mk1 Punto 1.1 now my GP is £587 fully comp with £150 excess as second driver and im gona get a 1year No claim with Directline... young drivers like me are the reasons these companies arn't affected by the credit crunch LooL

Juhel55 said:

heyyy im 19 my insurance is cheap.. when i was 17 i only paid like £550 for a Mk1 Punto 1.1 now my GP is £587 fully comp with £150 excess as second driver and im gona get a 1year No claim with Directline... young drivers like me are the reasons these companies arn't affected by the credit crunch LooL

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Are you the main driver?

If so, thats 'fronting' and is a very dangerous game my friend, been there and got the T-shirt

work this out....

stilo 1.9jtd dynamic... 3 years ncb at 20, £680 a year

bravo 120mj.. £650 a year..

and 150mj... £700 a year..

there newer cars, one of thems gonna be faster and yet a very similar price

Bravo's a lot safer and pedestrian friendly than Stilo

Insurance is silly expensive for you guys out there, with me bein a girl for some reason its a bit different. My first car was one of the mk1 1.6 punto sportings, that was £1700 fully comp until i modded it obviously, but even then when it had window tints, exhaust,K&N, full body kit, alloys, stereo subs etc it was only £1300 with 1 yr NCB. I really do think its shady how they expect lads to be more rebelious at young ages n charge you through the roof for insurance!!!!

Now i drive a 180bhp grande punto abarth esseesse (4 years ncb later) at the age of 22 for £1300, so am still in that bad age bracket (that was the only 1 that was cheap through my bank the rest were around £2k)

At least am payin that much for a better car now tho, & its not more than my car is worth, lol.........Roll on 25th Birthday, hopin it will drop alot then

you are all lucky if you ask me would be just under £4000 for me to insure my car on my own tomorrow:bang: and i pay £1700 now under my dads name

edit
yep i was right i just talked to adrian flux and they said it will be over £4000 and i would have to get the car put in my name:bang:

I'm actually horrified by the price of some of your insurance. I thought £680 was expensive!

dannygp said:

I'm actually horrified by the price of some of your insurance. I thought £680 was expensive!

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i would eat my foot for that price

I pay £171 p/m over 12 months for the volvo

19, 1 yrs no claims (but no accidents)

Cheapest i found for my Cinq sporting, was £2503
Most expencive was £6000
However, When my mum is the main driver, £120
WTF!!!!!!

its retarded. A 1.1 fiat, how can they justify that.

OLZ said:

so £2108 a year which is a lot of money I know

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Damn i was gettin quotes like that when i passed my test upwards of £2k fully comp on a 1.2 mk1 punto and i was 20. ended up on mothers insurance for £1500 but now at 700 with 1 yrs no claims an 6 points on a gp 1.2

Im guessin you have parents helping with cost?

Nope, every penny that goes into my car is a penny I've earnt myself I dont like borrowing.

My postcode is rated A/B in the insurers directory (which is good)

Just incase people didnt know (and I didnt until recently) The insurers have risk brackets for properties postcodes ranging from A(low risk) -> F(high risk) and anything riskier than F is "referred".

As an example my A/B bracket postcode costing me approx £2000 would cost me an additional £900 living in an E/F bracket - a 3 minute drive away.
Madness.

I sound like a right stuck-up briefcase w*nker - Im not .

mind me askin what it is you do for a living as i most am most definitly in the wrong job and finding it hard to get finance for a cheap gp sporting at my local dealer, goin for 5988 + part ex knocks it down to 4500