Impossible Task, Cheap Insurance

YBTurbo

Hi,


Im 17 (Male) and recently got my learner permit and im taking lessons this week, im also picking up a 96 1.1 Fiesta the weekend.


My biggest problem is insurance, iv got quotes as much as €4,500, the cheapest so far has been €1,450 BUT thats only as a name driver. (Yes I know about fronting)

So what I want to ask is whats the most recommended company for young drivers, I really don't want to go down the fronting route


After all its a 1.1 15 year old Fiesta that's costing €500, so Im not going to 6 times the price of the car for insurance.


Thanks.

ShadowHearth

1.5k eu as named driver and you still not happy? Madness!

Dangerdunf

What insurance companies have you tried?

**Timbuk2**

That's the problem with being a young male driver (read: statistical murderer :P)

I'm 18, but learned when I was 17. Having your own car at 17 probably isn't strictly necessary - it would be cheaper if you learned on a parent's car at first.

Aviva do a good deal, where they charge €400 for 10 lessons and you get 6 months free accompanied driving cover, so you can practice while you learn.

Your main priorities should be passing the driving test as soon as possible. That will reduce it somewhat. Then see if your insurer has some sort of extra driving test/assessment, like the Aviva Ignition course, which will further reduce your insurance. I did the Aviva Ignition, passed it, and this allows me a discount of 20%.

Your insurer might also give you a further reduction if you opt not to drive in the 'antisocial hours', usually something like 11pm-5am or something (i.e., you won't be covered if you have an accident during these times). Not all offer this, but as far as I know Aviva do.

There's no recommended company, as such. Keep ringing different insurance companies and see which offer the cheapest insurance. Try and get them to compete with each other. I've heard that quinn can be good for new drivers, but there's too many variables to give a general statement. Online quote generators are pretty useless - ringing up is the only way to get real advice.

Best of luck!

EDIT: I'm getting €999 now as a full licenced named driver on my mother's 1.3L '98 Starlet, that's before the Aviva Ignition discount (which actually doesn't apply to me, as I'm a named driver - I found out after doing the assessment)

JimmyCrackCorn

YBTurbo wrote: »

Hi,


Im 17 (Male) and recently got my learner permit and im taking lessons this week, im also picking up a 96 1.1 Fiesta the weekend.


My biggest problem is insurance, iv got quotes as much as €4,500, the cheapest so far has been €1,450 BUT thats only as a name driver. (Yes I know about fronting)

So what I want to ask is whats the most recommended company for young drivers, I really don't want to go down the fronting route


After all its a 1.1 15 year old Fiesta that's costing €500, so Im not going to 6 times the price of the car for insurance.


Thanks.

Quinn specialise in young drivers.

Your going to be hurt by insurance at that age. I got a quote of 4k punt in the day on a micra @ 17.

At the moment premiums are rising for everyone. Keep hunting around and try everyone. I have a long list in my modified car thread of people that wouldn't insure me if your looking for a list of companies.

Then theres the phone-book and ring everyone.

Also walk into offices as-well as ringing.

YBTurbo

ShadowHearth wrote: »

1.5k eu as named driver and you still not happy? Madness!

See I don't want to do this as it is fronting.


I.e Getting someone else to insure MY car and adding me as a named driver for the purpose of cheaper insurance, but if needs must I will.




Also iv just been trying a few comparison sites, as well as Quinn etc..

YBTurbo

**Timbuk2** wrote: »

That's the problem with being a young male driver (read: statistical murderer :P)

I'm 18, but learned when I was 17. Having your own car at 17 probably isn't strictly necessary - it would be cheaper if you learned on a parent's car at first.

Aviva do a good deal, where they charge €400 for 10 lessons and you get 6 months free accompanied driving cover, so you can practice while you learn.

Your main priorities should be passing the driving test as soon as possible. That will reduce it somewhat. Then see if your insurer has some sort of extra driving test/assessment, like the Aviva Ignition course, which will further reduce your insurance. I did the Aviva Ignition, passed it, and this allows me a discount of 20%.

Your insurer might also give you a further reduction if you opt not to drive in the 'antisocial hours', usually something like 11pm-5am or something (i.e., you won't be covered if you have an accident during these times). Not all offer this, but as far as I know Aviva do.

There's no recommended company, as such. Keep ringing different insurance companies and see which offer the cheapest insurance. Try and get them to compete with each other. I've heard that quinn can be good for new drivers, but there's too many variables to give a general statement. Online quote generators are pretty useless - ringing up is the only way to get real advice.

Best of luck!

Hi thanks for the advice, can't really learn on my parents car's Merc S320.

Is there a such thing as a classic policy for younger drivers, as they have in England ?



Is the €1500 a good price as a named driver ?

Guy:Incognito

YBTurbo wrote: »

After all its a 1.1 15 year old Fiesta that's costing €500, so Im not going to 6 times the price of the car for insurance.


.

The car your driving isnt nearly as relevant as the damage you could potentially do to people and other much more expensive cars.

**Timbuk2**

Not really sure what a classic insurance policy is :S

What size is the engine on your parent's car? I think if it's 1.6L or under you can still do the Aviva €400 deal. (EDIT: Ah, S320. So you probably wouldn't be able to. Ring them anyway)

€1,500 is reasonable for a 17 year old male, with a Learner Permit. If I were you, I'd probably go with that. What company is it with?

YBTurbo

**Timbuk2** wrote: »

Not really sure what a classic insurance policy is :S

What size is the engine on your parent's car? I think if it's 1.6L or under you can still do the Aviva €400 deal.

€1,500 is reasonable for a 17 year old male, with a Learner Permit. If I were you, I'd probably go with that. What company is it with?

As in insurance on a car thats a classic (Over 20years usually),


Its a 3.2 Turbo so I doubt that'll work :pac:

I think it was Quinn, ill ring around later and see can I get it closer to the 1k mark

TwoShedsJackson

YBTurbo wrote: »

As in insurance on a car thats a classic (Over 20years usually),


Its a 3.2 Turbo so I doubt that'll work :pac:

I think it was Quinn, ill ring around later and see can I get it closer to the 1k mark

You won't, at 17 and male you should bite their hand off for the €1500 quote.

af_thefragile

Try Quinn. They're the only one who can give a 17yr old a reasonable quote. Most other insurance companies won't even bother giving you a quote.

I paid 2500eur for my first insurance in my own name on a prov license. And I was 22.

It is horrible thing to get your first insurance but you've got to take the hit.

This year I'm paying just under a grand for my insurance on a full license with Quinn and 1yr NCB. Its reasonable I guess.

So yeah, stick with it and as you build up your NCB, the insurance rate will come down. Still for a 17yr old anything under 2000eur would be very reasonable.

maximoose

€1500 sounds like a great offer IMO

When I was getting insured as an 18 y/o male in my own name with no driving experience on a 1.2 Punto, the cheapest broker for me by a LONGSHOT (and they still are) was Insure.ie - getting me a quote from Lloyds in the UK for €2100.

All the insurers like Quinn and AA who say they "specialize in young males" gave me ridiculous quotes of €3-4.5k. 3 years later with full licence (for two years) and 3 years NCB they are still way off the mark, quoting me double what I renewed for.

Best of luck.

Cookie_Monster

€1,500 isn't to bad considering you'll statistically kill 6 young girls in your front seat between now and being 21, we've all done it, it's tough but you get over it eventually.


Have you tried Aviva, and do the ignition course with them, usually gives a decent discount, 20%+

CoDy1

Try find a broker who deals with 'Asgard', you will get a decent quote through them.