Car insurance 19 y/o 320d

Odyssey 2005 · 26-08-2014 12:12pm

Not to hijack the thread ,my ins is up in a couple of weeks. It was 340€ last year, no accidents, 2 points and full licence 25 years+ and no accidents since.....ever
The points were there last year also. This year€484.68:eek:

Rossio12 · 26-08-2014 12:14pm

Odyssey 2005 wrote: »

Not to hijack the thread ,my ins is up in a couple of weeks. It was 340€ last year, no accidents, 2 points and full licence 25 years+ and no accidents since.....ever
The points were there last year also. This year€484.68:eek:

Not an expert on insurance as you can see but I think you need to ring up and threaten to change company and they should give a better offer if not look elsewhere

Odyssey 2005 · 26-08-2014 12:18pm

Rossio12 wrote: »

Not an expert on insurance as you can see but I think you need to ring up and threaten to change company and they should give a better offer if not look elsewhere

I did "that's the price take it or leave it"

bear1 · 26-08-2014 12:20pm

OP seriously, you will need to start off in a heap of ****e and build up your NCB.
Your age, sex and the car you've chosen and to top it all off having a provisional will just let the insurance man ask you to lube your ass up.
Buy a banger/pass your test.
One thing is buying the car, then you need to tax it as well and servicing costs.
Check out the bangernomics thread, there are a tonne of cheap cars that would suit you.
My first car was a 93 pinkish Corolla. Saved a **** load on insurance costs and it got my foot in the door with the NCB.

bear1 · 26-08-2014 12:22pm

Have a look at 1.2 Puntos, grand yokes to tip around in.
Don't go near a Bora, especially the 1.4 - for some reason insurance companies don't like them.

djimi · 26-08-2014 12:25pm

Odyssey 2005 wrote: »

Not to hijack the thread ,my ins is up in a couple of weeks. It was 340€ last year, no accidents, 2 points and full licence 25 years+ and no accidents since.....ever
The points were there last year also. This year€484.68:eek:

Its a loyalty tax that insurers love to add. Ring around every insurer and broker that you can find and Id be amazed if you dont get a better price. You gain nothing from loyalty in insurance; they price renewals like this in the hope that people just grumble and pay them.

Wailin · 26-08-2014 3:15pm

unkel wrote: »

You've always wanted to own a 4 cylinder diesel BMW?

Drive a 1l car for a few years, build up your no claims bonus and set your goal higher. A straight six petrol BMW is a massive step up from that diesel! And with 4 or 5 years of NCB you can probably get a reasonable insurance quote on it too.

Er, it's his first car......talking about 6 cylinder engines to someone who is trying to get insurance doesn't make sense. Even in 5 years time his insurance would be massive, if he'd even get insured.

bear1 · 26-08-2014 3:26pm

I believe it was a tongue in cheek comment

Wailin · 26-08-2014 3:33pm

bear1 wrote: »

I believe it was a tongue in cheek comment

Lol, ah.....I see........silly me:D

quadrifoglio verde · 26-08-2014 3:57pm

Wailin wrote: »

Er, it's his first car......talking about 6 cylinder engines to someone who is trying to get insurance doesn't make sense. Even in 5 years time his insurance would be massive, if he'd even get insured.

An e39 525i is cheaper for me to insure than my 156 v6, insurance for the 156 is 900 a year, for the 525 is 850. 22 4 years ncb. Just because it's 6 cylinders doesn't mean insurance will run a mile if your under 25. Demonstrating that you can drive safely/are lucky makes them willing to give you a low enough quote
The only think I find difficult to get quotes on are those over 20 years old.

dodzy · 26-08-2014 4:01pm

Odyssey 2005 wrote: »

Not to hijack the thread ,my ins is up in a couple of weeks. It was 340€ last year, no accidents, 2 points and full licence 25 years+ and no accidents since.....ever
The points were there last year also. This year€484.68:eek:

I bet the OP pretty much hates you right about now:D

Eric Cartman · 26-08-2014 5:11pm

quadrifoglio verde wrote: »

An e39 525i is cheaper for me to insure than my 156 v6, insurance for the 156 is 900 a year, for the 525 is 850. 22 4 years ncb. Just because it's 6 cylinders doesn't mean insurance will run a mile if your under 25. Demonstrating that you can drive safely/are lucky makes them willing to give you a low enough quote
The only think I find difficult to get quotes on are those over 20 years old.

+1 , I got insurance for 1000 notes on a V8 7 series at 22 , had 4 years ncb though, experience counts a lot more than age if the car isnt a high risk car.

MetzgerMeister · 26-08-2014 5:14pm

Eric Cartman wrote: »

+1 , I got insurance for 1000 notes on a V8 7 series at 22 , had 4 years ncb though, experience counts a lot more than age if the car isnt a high risk car.

When I was 22 I had 4 years NCB + 1 year's named driver experience. Insurance on my RX8 was €2500!! granted it was a Jap import.

Odyssey 2005 · 26-08-2014 5:16pm

dodzy wrote: »

I bet the OP pretty much hates you right about now:D

There's plenty of me to hate:). Shower of kcnts ins. Companies. Liberty want €870....
When I was 19/20 I had a 2.8 Granada insured for £200 fully comp.
Best so far is €450:mad:

Odyssey 2005 · 26-08-2014 5:17pm

MetzgerMeister wrote: »

When I was 22 I had 4 years NCB + 1 year's named driver experience. Insurance on my RX8 was €2500!! granted it was a Jap import.

:eek::eek::eek:
Did you pay that ?

DAZP93 · 26-08-2014 5:20pm

I bought a 2 year old 116i when I was 17 and insured it for a year under the mothers name for €1200..

MetzgerMeister · 26-08-2014 5:24pm

Odyssey 2005 wrote: »

:eek::eek::eek:
Did you pay that ?

I did. I was young, working in the construction industry (estimating) with money falling out of my arse. the car itself cost me 23,500. I'm on my 2nd car since that and neither have cost me as much to buy :pac:

simplybam · 26-08-2014 5:33pm

At age 19 with 'L' plates you should barely be allowed to look at anything like a 320 let alone be allowed to drive it. There should be power to weight ratio limits on learner drivers in the first place...

Was gonna go on a proper rant here, but now I can't be arsed any more.

YbFocus · 26-08-2014 5:38pm

Rossio12 wrote: »

My Family has land been driving ***t box's around the last 4 years so I wouldn't worry about handling a car of that horsepower

I did that and I still bit a ditch soon after getting on the road.
That same cockyness was the problem.
If you think 4 years in a field has you aced up you'll learn the hard way.
140bhp in the wet with no experience will be trouble.

Maximus Alexander · 26-08-2014 5:42pm

My first policy at 19 was €3300 on a 1.2 Punto. And I paid it. Bloody lunatic.

evo2000 · 26-08-2014 5:45pm

Rossio12 wrote: »

Hi all,

Ive saved up for a year now and have enough money to get what I've always wanted.. A BMW 320d m sport only problem is I can't get insurance as I'm only 19 and only have provisional.

I've tried liberty axa chill etc no luck.

So my question is does anybody know an insurance firm that will insurance me no matter the cost I don't mind paying a ridiculous amount.

Cheers

Your gonna pay an extortionate price for a little 1.3 never mind a 320 d i was paying 2500 a year in my own name for a 1.3 lancer, get a few years under your belt get your full then think about gettin a 320d

If you insist on gettin the 320d you ll have to try get insured as a named driver or something i doubt anywhere will even insure you, try FBD tho

Take into account, Tax , Fuel and Maintenance of the car aswell you will be paying a retarded amount of money you ll basically be workin for a car lol

wonski · 26-08-2014 6:00pm

Odyssey 2005 wrote: »

:eek::eek::eek:
Did you pay that ?

I paid 2200 for 1.1 Seicento (first year on provisional, and I was over 25):o

Next year it was 900 on 1.3 so it gradually goes down as soon as you don't hit "things";)

JC01 · 26-08-2014 6:16pm

simplybam wrote: »

At age 19 with 'L' plates you should barely be allowed to look at anything like a 320 let alone be allowed to drive it. There should be power to weight ratio limits on learner drivers in the first place...

Was gonna go on a proper rant here, but now I can't be arsed any more.

Ye for god sakes he could rip a hole in time with the power of one of them, wont somebody PLEASE think of the children etc etc etc.

I was also gonna go on a proper rant here but meehhh

duckman!! · 26-08-2014 6:31pm

when i was 18 i paid €2500 for a 1.4 diesel 206!!!

bidiots · 26-08-2014 6:45pm

duckman!! wrote: »

when i was 18 i paid €2500 for a 1.4 diesel 206!!!

You should have been paid that to drive the diesel 206

YouTookMyName · 26-08-2014 7:33pm

Ford Focus

or

Toyota Corolla

I didn't know what a 320d was when i was 19.

Duiske · 26-08-2014 8:06pm

Eric Cartman wrote: »

And just remember being the main driver on a car that your insured as a named driver on is called fronting and illegal.

Wouldn't think it's actually illegal unless it's stipulated in the statute books. You may well be in breach of the terms of your insurance policy, but that does not make it illegal. If you had an accident as a named driver and admitted to the insurance that you were the main driver of the car, the insurance company could not invalidate your policy. They would be within their rights to reduce cover to the minimum, ie. 3rd party only, but that still means you were legally covered to drive. If they had to pay out to a 3rd party the company could chase you to repay the cost, but again, that's a civil matter, nothing to do with the law.

Chimaera · 26-08-2014 9:14pm

Duiske wrote: »

Wouldn't think it's actually illegal unless it's stipulated in the statute books. You may well be in breach of the terms of your insurance policy, but that does not make it illegal. If you had an accident as a named driver and admitted to the insurance that you were the main driver of the car, the insurance company could not invalidate your policy. They would be within their rights to reduce cover to the minimum, ie. 3rd party only, but that still means you were legally covered to drive. If they had to pay out to a 3rd party the company could chase you to repay the cost, but again, that's a civil matter, nothing to do with the law.

It's fraud and is illegal under that legislation.

dar83 · 26-08-2014 9:57pm

Duiske wrote: »

Wouldn't think it's actually illegal unless it's stipulated in the statute books. You may well be in breach of the terms of your insurance policy, but that does not make it illegal. If you had an accident as a named driver and admitted to the insurance that you were the main driver of the car, the insurance company could not invalidate your policy. They would be within their rights to reduce cover to the minimum, ie. 3rd party only, but that still means you were legally covered to drive. If they had to pay out to a 3rd party the company could chase you to repay the cost, but again, that's a civil matter, nothing to do with the law.

Insurance fraud is illegal...

evo2000 · 26-08-2014 10:23pm

YbFocus wrote: »

I did that and I still bit a ditch soon after getting on the road.
That same cockyness was the problem.
If you think 4 years in a field has you aced up you'll learn the hard way.
140bhp in the wet with no experience will be trouble.

Any car will be trouble if the drivers a moron, just so happens there plenty of dopes around ireland that think they are pro with there "diffin," lol

Car insurance 19 y/o 320d

Comments