Cheapest insurance for a 17yo?

Sobanek

Hi guys, I have passed my driver's licence test a week ago and I'm planning to buy a car. Because the insurance is a rip-off (thanks guys in the white civics) it has to be a 1L car. I've picked a 1999 Opel Corsa 1.0 for only €699 (nct'd, taxed) and I need some cheap insurance. I went to insure.ie and bestquote.ie but they gave me €3,500 premiums!!!!!!! RIDICULOUS!!
This insurance is only for a year as I'm going to have my insurance abroad next year :cool:
Thanks in advance!

djimi

The age of the car might be working against you as insurance companies are getting arsey about cars older than 10 years now.

Im afraid your age is probably going to work against you as well.

Try ARB insurance; I got a good quote from them when starting out. Also try Britton.

You're 17 years old, expect to pay lots and lots for insurance. I'm 29 and paid loads for insurance long before "white civics" were about

MacAttack84

have you tried quinn direct at all?

expect to be paying a lot tho - i'm 25 and i'm still paying an insane amount for insurance after 3 years...

Average-Ro

Try Asguard. I got a good deal with them; they aim to get first time drivers on the road with lower than normal insurance prices. I'm a 22-year-old male living in Galway City and driving a 1.3L Daewoo Lanos and I paid €950 for my insurance. That was while I was on provisional; after 6 months I got my full lisence and they knocked of 30 quid.

Alanstrainor

There is only one way to do this, and that is to get out the phonebook and ring around and ask for quotes. Online quoting systems are terrible for under 25's! Trust me! When i was trying to get a quote a month ago on a polo online systems were quoting me 1500 at the best for third party fire and theft. After one phonecall to firstquote that was down to below a grand.
Get on the phone, what's the worst that could happen?

djimi

Alanstrainor wrote: »

There is only one way to do this, and that is to get out the phonebook and ring around and ask for quotes. Online quoting systems are terrible for under 25's! Trust me! When i was trying to get a quote a month ago on a polo online systems were quoting me 1500 at the best for third party fire and theft. After one phonecall to firstquote that was down to below a grand.
Get on the phone, what's the worst that could happen?

Best advise you can get tbh. Theres no magic trick to it; speak to them all and hope one of them is decent.

Try brokers as well; Ive recently learned that they can be a hell of a lot more helpful than dealing with insurance companies direct.

Also, if youre prepared to take the risk of having a massive excess then try XS Direct. Youll probably get a better quote but could end up covering up to the first €4000 of any claim yourself.

Sobanek

Well, my dad works in AXA, but I don't really want to ask him for a discount. With his Family & Friends discount I could reduce the costs to only €1,900, but I kinda feel stupid about asking him for this. But if it's the last thing I'll have to go with, I'll do it.
I'm not Irish btw :P I've been here for 6 years now and because in my good ole country it's legal to insure a RHD car, I'm going to get a VW Golf when I'm 18 haha Thanks for the tips guys.

djimi

Sobanek wrote: »

Well, my dad works in AXA, but I don't really want to ask him for a discount. With his Family & Friends discount I could reduce the costs to only €1,900, but I kinda feel stupid about asking him for this. But if it's the last thing I'll have to go with, I'll do it.
I'm not Irish btw :P I've been here for 6 years now and because in my good ole country it's legal to insure a RHD car, I'm going to get a VW Golf when I'm 18 haha Thanks for the tips guys.

When youre 17 take any discount you can get! You wont do a lot better than €1900, so I would suggest that you use your fathers discount if you can.

Onearmedbandit

I think Aviva are doing a deal where you get 10/11 driving lessons and 6 months insurance for around €400. I think its a good deal when you consider if you renew your insurance again with them your quote should be substantially reduced and it will help you pass your test.

I think the above deal is for accompanied driving only though so you will need a fully qualified driver with you at all times otherwise your insurance is invalid.

djimi

Onearmedbandit wrote: »

I think Aviva are doing a deal where you get 10/11 driving lessons and 6 months insurance for around €400. I think its a good deal when you consider if you renew your insurance again with them your quote should be substantially reduced and it will help you pass your test.

I think the above deal is for accompanied driving only though so you will need a fully qualified driver with you at all times otherwise your insurance is invalid.

You got a link to this? It would interest my gf who is learning to drive...

mariebeth

If you're female try Ladystar from Zurich. They're the cheapest I can find and all the usual extras like windscreen cover and bag theft from car are included in fully comp and they still work out cheaper than any other insurers I've tried that don't include those extras

MagicMarker

Sobanek wrote: »

Well, my dad works in AXA, but I don't really want to ask him for a discount. With his Family & Friends discount I could reduce the costs to only €1,900, but I kinda feel stupid about asking him for this. But if it's the last thing I'll have to go with, I'll do it.
I'm not Irish btw :P I've been here for 6 years now and because in my good ole country it's legal to insure a RHD car, I'm going to get a VW Golf when I'm 18 haha Thanks for the tips guys.

If your dad finds out you paid anything close to 3500 when he could almost half it he'll give you a kick up the arse! And I'll be next in line.

You'll be lucky to get insurance for less than 1900, so ask your dad!!

Fizman

Sobanek wrote: »

Well, my dad works in AXA, but I don't really want to ask him for a discount. With his Family & Friends discount I could reduce the costs to only €1,900, but I kinda feel stupid about asking him for this. But if it's the last thing I'll have to go with, I'll do it.
.

I was expecting a punch line after this tbh. You'd be barking mad not to get the discount through your old man. Would you feel less silly paying €1,000 - €1,500 more with someone else?

Graham_B18C

Sobanek wrote: »

Well, my dad works in AXA, but I don't really want to ask him for a discount. With his Family & Friends discount I could reduce the costs to only €1,900, but I kinda feel stupid about asking him for this. But if it's the last thing I'll have to go with, I'll do it.
I'm not Irish btw :P I've been here for 6 years now and because in my good ole country it's legal to insure a RHD car, I'm going to get a VW Golf when I'm 18 haha Thanks for the tips guys.

You don't want to ask him to get you a discount which he's entitled to and gets for free...you won't get insurance cheaper than that at 17 if you're a male.

And your White civic comment...:mad:

Mr Simpson

djimi wrote: »

You got a link to this? It would interest my gf who is learning to drive...

Heres the link. http://www.aviva.ie/online/driving/car-insurance/benefits/young-drivers/ I did my lessons with them and got the insurance deal, I found them to be very good. (For the insurance, the driver must be accompanied otherwise the insurance is invalid, this is listed in their T&C's)

ArphaRima

As someone who paid 6600 Euro for Third Party Fire and Theft at the age of 20 I can say that I would have done things differently.

I should have done what every other 20yr old was doing - Lie and get insured under my parents name.
That honesty cost me thousands..

Sobanek

Yeah, FFS! My mum's insurance with me as an additional driver would be €1300 - Volvo V50 2.0 Turbo Diesel, 136hp, 2006.

Quinn Direct imo isn't the best insurance for young drivers anymore.

Anywho get a quote with the following;

Quinn Direct, FBD and No Nonsense.ie

FBD is probably the best, insurance for myself is up on the 3rd of August and i got my yearly letter in the post from Quinn, was 813 euro, did an online quote with FBD and got a quote for 720 euro, rang up Quinn and they would lower it to 740 euro. Went with FBD anyways for 750 euro cause i decided to get the breakdown assistance aswell.

Some of the benefits of being with FBD;

Fire & Theft claims have no effect on my my bonus.

Cover for any personal property like a phone or laptop for up to 400 euro.

Fire Brigade charges up to 2000 euro.

Replacement of locks up to 750 euro.

Cover provided for unlimited number of days driving in any EU state.

Third party driving of any other vehicle (over 25's).


All the above are as standard when you buy with them, Quinn Direct only give you the third party driving of another vehicle.

Also got brake down assistance for an extra 30 euro for the year, which is a bargain when a tow truck can cost up to 100 euro if you need to be towed home or a garage.

Claim's with FBD are also looked at as 'better' earned. Same with alot of insurance company's.

Also shop around, ring them up or go into there brokers, they will always match or better a quote from someone else.

kthnxbai

I was with axa for the past two years on my 02 corsa...

I was paying 1000 a year pretty much...
I was 18 to start with...

this year they tried to charge me the same, so I tried all the websites and all that jazz rang around a bit...
Got a very good quote from Aviva, and much the same from Quinn.... Now I think the reason they were particularly cheap for me was because I'm a student, and they're doing special discounts at the mo...

They were easily 300 quid cheaper than anyone else

Max_Damage

Back around 2004 (when I was 17 going 18), I paid €2,000 insurance for a 1990 Micra. I went with Hibernian, as they're the only company that do the 'driving other cars' thing for under 25's.

The age of the car also determines the price of insurance, the older the car, the higher the rate will be.

robdsherlock

"white civics" are not the sole reason insurance is high, the main reason is that this country is a RIP OFF!!!

as said best thing to do is ring around but i cant see anyone giving a better quote than 1900 to be honist!! quinn also do the 'driving other cars' but you need a full licence + terms and conditions...

if i were you id go and ask your father, the offer of a discount wouldn't be there if people tought it was cheaky or whatever...

Sobanek

He got my as many benefits as possible. My final quote is €1890.83 per annum with a deposit of €600 and then 9 installments of €160 per month.
I'd say that's a fair deal.

robdsherlock

thats v good man!!
id be fairly happy with that!!

safe driving now:cool:

Sobanek

robdsherlock wrote: »

thats v good man!!
id be fairly happy with that!!

safe driving now:cool:

You bet !

challengemaster

Max_Damage wrote: »

Back around 2004 (when I was 17 going 18), I paid €2,000 insurance for a 1990 Micra. I went with Hibernian, as they're the only company that do the 'driving other cars' thing for under 25's.

The age of the car also determines the price of insurance, the older the car, the higher the rate will be.

Not sure about 2004, but certainly not the case now..

Max_Damage

challengemaster wrote: »

Not sure about 2004, but certainly not the case now..

Wrong. Still states on my insurance cert that I can drive other people's car with their consent. I'm 23 now by the way.

padunne

i think max damage meant more companies allow under 25's drive other cars. i know quinn do for me and 2 of my friends. i really checked this this year as i was unsure but all that is needed is the car to be roadworthy. basically tax and nct.
the only thing stopping you buying a second higher bhp car is it cant be registered to your name.

Onearmedbandit

mmcn90 wrote: »

Heres the link. http://www.aviva.ie/online/driving/car-insurance/benefits/young-drivers/ I did my lessons with them and got the insurance deal, I found them to be very good. (For the insurance, the driver must be accompanied otherwise the insurance is invalid, this is listed in their T&C's)

Sorry for not replying earlier. This is true Aviva send you a letter stating that the will not pay out any claim where the driver was not accompanied by a) the policy holder (i.e. mother/father), (b) A registered and approved driving instructor or (c) A driving tester.

Which is fine once your mum/dad don't mind being dragged everywhere.