First car

trepasers

Well not sure if this is the right spot but here it goes..
Im thinking of getting my first car...Got my mum to ring up the insurance for company for a quote in her name but they said it had to be the same car if I wanted to get insured in her name....Just wondering is it possible to get insured in another car on your mothers name ??....Also which company would you recomed for the cheapest car insurance ??

af_thefragile

If you're insuring the car in your mother's name, then your mom needs to be the primary/main user of the car. If the insurance company finds out you are the main user they won't take it lightly...

As for insurance companies, you'ld just have to ring them to find out which gives you the cheapest rates.

Right now if you're under 24 and a guy, expect anything from 1500eur to 3000eur to get a car insured in your name for the first time. Its a bit ridiculous than girls have to pay almost half of what guys have to pay for insurance...

Max Power1

Best to take the hit, get insured in your own name, and start to build your NCB up.

Get a smaller engined car like a fiesta/yaris/micra/polo, make sure its under 10 years old (insurers put a premium on 11+yr old cars).

af_thefragile

^I'm paying 300eur extra on my insurance just cause my car is a 99 model!
Its ridiculous...

And engine size is what matters when getting insurance. It doesn't matter if your car is worth €20k or €2k, a 1l insurance will be around 1500eur and a 1.4l would be around 2000-2500eur.
And most insurers wont insure you on anything bigger than that.

I think Quinn is the cheapest.
But Aviva could be cheap as well as they have special discounts for new drivers and if you do their Ignition driving test, your insurance will go down further. I think they also give you a free break down cover.
My car once broke down and I called them up, it took about an hour but an Aviva van showed up and he fixed it for free. Now I hope its free any they haven't charged me somewhere extra for it in some fine print...

Max Power1

Just a point on the engine size - its not always purely CC based. Insurers seem to group cars into classes, something like a 1.9 golf would be a lot easier to insure than a 1.9 passat.

(e.g., even if a car is a 1.4, it could be cheaper than a 1.2, depending on car size, and the loadings for high accident stats/common boyracer ownership)

For example - if you want a quote for a 1.4 civic, or a 1.6 octavia, the octavia will be cheaper, despite the larger engine, because the civic is classed by the insurers as a common boyracer car.

Max Power1

Quinn seem to have gone from the cheapest to one of the dearest in the last 6 months!

The cheapest quotes for me are either Britton (my current), 123.ie, or insure.ie.

(based on 23/male/dublin/full license/1year NCB)

af_thefragile

123.ie and insure.ie don't insure first timers, or atleast they didn't when I was getting my insurance.

Quinn gave me the cheapest quote but they didn't seem very friendly so I opted to go with the slightly more expensive Aviva plan (they were about 100eur more expensive). I payed 2500eur for my Puma. Got around 550eur back after I passed my driving test. I'll do that Ignition test in the next couple of weeks so hopefully I should get some more back (which will contribute towards the money I've got to spend to fix my car!)...

But I did discover the insurance for the 1.4l Puma was a bit more than the insurance for a 1.4l Seat or some other hatchback...

Max Power1

af_thefragile wrote: »

123.ie and insure.ie don't insure first timers, or atleast they didn't when I was getting my insurance.

Quinn gave me the cheapest quote but they didn't seem very friendly so I opted to go with the slightly more expensive Aviva plan (they were about 100eur more expensive). I payed 2500eur for my Puma. Got around 550eur back after I passed my driving test. I'll do that Ignition test in the next couple of weeks so hopefully I should get some more back (which will contribute towards the money I've got to spend to fix my car!)...

But I did discover the insurance for the 1.4l Puma was a bit more than the insurance for a 1.4l Seat or some other hatchback...

:eek:

I payed 1400 for my fiesta, and €1800 (pro rata for the time I had it, but the annual premium was 1800) for a 1.8 rover 75 (both on the basis of being on a LP and no NCB) with britton insurance.

af_thefragile

Will switch next year!

But if I get another 500eur back after doing the ignition test, I'ld be satisfied. Though I doubt I'll get that much back...

ccyy123

Max Power1 wrote: »

:eek:

I payed 1400 for my fiesta, and €1800 (pro rata for the time I had it, but the annual premium was 1800) for a 1.8 rover 75 (both on the basis of being on a LP and no NCB) with britton insurance.

That is very cheap!! Must give them a ring.

trepasers

thanks for all the reply's....I was wondering would my insurance be cheaper if I get insured for a while on my mums car....I rang insurance company's and they said it would cost 2000-3000 for a 1.4 car.....where if I get insured on my mums car it will only cost 1100 for the year

antodeco

My first insurance cost me €3500 on a 1l Micra. I've built up my NCB so now its a lot less (3 cars for well under 1k). OP, if you can afford it, take the hit. You will save money in the long run.

bazz26

trepasers wrote: »

thanks for all the reply's....I was wondering would my insurance be cheaper if I get insured for a while on my mums car....I rang insurance company's and they said it would cost 2000-3000 for a 1.4 car.....where if I get insured on my mums car it will only cost 1100 for the year

It maybe cheaper in the short term to be put down as a named driver on your mom's policy but eventually you will need to build up your No Claims Bonus (NCB) under your own policy in order to get cheaper insurance.

djimi

If you are on a learners permit then it might be easier to go named driver on your mothers car fo the time it takes you to pass your test, as it will be cheaper to take out a policy in your own name with a full license, but generally speaking going as a named driver may be saving you a few quid in the short term, but its going to hit you when you go to take out your own policy down the line as you will have no no claims bonus. Youre better off to get your own policy as soon as you can and start building up that no claims bonus.