General My first car ! (06) Fiat Grande Punto Sporting 1.4 16v

[beany_bot]

i love being old(ish)
25, fully comp, wife as named driver on a 2007 T-Jet with Abarth Springs and Forge Braces. 3 NCB (had a shunt in 2006)
£236

Not sure how Elephant will like the remap, Mito Turbo and GSR i have planned though

Whats your excess?

im £310 on my Mjet and im told that is good (with admiral, which is same as elephant) 3yrs NCB

 

[Thunderchump]

Excess is quite high to be fair @ £500

 

[beany_bot]

Excess is quite high to be fair @ £500

ahh, that will be it, mines only £100

 

[Thunderchump]

although thinking about it it might only be £250 now that i am 25?? i dunno now i will have to look at paperwork tonight now!

Mines quite low as its kept in a private gated car park with CCTV at night.

 

[beany_bot]

although thinking about it it might only be £250 now that i am 25?? i dunno now i will have to look at paperwork tonight now!

Mines quite low as its kept in a private gated car park with CCTV at night.

Lol my butler washes my car everyday too!

 

[Thunderchump]

Butler!! very lush mate......................i only have a concierge

 

[Garree001]

Butlers and the like? Where's the Aston? I'll swap my FIAT for it :idea:

 

[idaho1]

Looks sweet. Go one up on your mate and get a linea grille. Make sure you get it lowered too

There's why Insurance companies dont like 17 - 18 year olds in a nutshell.

Girls just dont have the testosterone that makes lads think they are a racing driver because they bought a car & passed their test.

I know many lads of all ages race but at 17 - 18 with no experience?

I'm no killjoy, been there and done it all, but a 19 year old lad from Telford Krooze was killed this weekend racing allegedly... I can imagine the torture his parents are feeling right now... and for what?

LOL especially as most of them have 1.2's that aren't fast lol. my insurance is £2.2k and £700 excess, with a named driver on my policy. lol.

 

[User Not Found]

Whats your excess?

im £310 on my Mjet and im told that is good (with admiral, which is same as elephant) 3yrs NCB

I only have a £100 exccess... im not sure why, my old man sorted it out 4 me ;-)

 

[Garree001]

You do know that those 2yrs ncb will only apply to that company and if you were to go anywhere else you would only get 1 year.

I had a bonus year's NCD when I started driving. It was recognised by other companies. The insurer at the time just issued my renewal notice with 2 years on, at the end of the first year. I was then able to go elsewhere. This is why I have 6 years' NCD and I have only been driving 5 years

 

[Garree001]

I only have a £100 exccess... im not sure why, my old man sorted it out 4 me ;-)

Only a £100 excess?? He must be expecting you to have to pay it some time soon lol. Joking of course.

I would check that excess amount out if I were you mate. He may have set an excess at £100, but the chances are - that was the voluntary excess part. You will have a compulsory excesses to add on the top of this figure. The compulsory excesses on policies are normally quite high for young drivers (around the £400 mark) and I would be really surprised if this was not part of your policy.

For example - my voluntary excess is £100. My compulsory excess is £260 making my total amount £360 in the even of an accident claim. The voluntary excess will apply to any fire/theft claims and there will be a separate amount to be paid for glass damage (probably aroun 60-70 squid).

Gets even more complicated on my policy as Mrs Garree001 is older than me, so her excess is even less than mine, even though it's the same cover note!

Hope I made sense there!