insurence for a young driver

fanadman1

im 18 and have just bought my first car a seat leon 02 just wondering where would be a good place to get insured

Atomic Pineapple

fanadman1 wrote: »

im 18 and have just bought my first car a seat leon 02 just wondering where would be a good place to get insured

The Internet.

fanadman1

draffodx wrote: »

The Internet.

i know ur a mod and i may get in trouble for this ! but im looking for some help not a smart answer !!!

MugMugs

fanadman1 wrote: »

draffodx wrote: »

The Internet.

i know ur a mod and i may get in trouble for this ! but im looking for some help not a smart answer !!!

He's a hosted mod and has no bearing on his response. his response is fair and honest. Use Google.

Atomic Pineapple

fanadman1 wrote: »

i know ur a mod and i may get in trouble for this ! but im looking for some help not a smart answer !!!

I'm not being smart, no one here can provide you with a better answer than looking up all the insurance companies on the net, inputting your details and seeing what quotes you get.

If you have no luck getting an affordable one get on the phone or call into them personally.

If you become really stuck then look up the Irish Insurance Federation.

Anan1

Personally, I wouldn't bother with online quotes. Get out the Golden Pages and ring every ins co and a good selection of brokers. Tell them your age right at the start of the conversation, so you don't waste time giving all your details only to find that they won't quote for you. And I know it's a bit late for this, but never buy a car without getting a binding insurance quote that you're happy with first. Unless you want to resell the car, you're now pretty much stuck with paying whatever they see fit to charge.

fanadman1

well i was looking for some advice where people have had cheap insurence id not be a big fan of the online because there not always accuarate

Atomic Pineapple

fanadman1 wrote: »

well i was looking for some advice where people have had cheap insurence id not be a big fan of the online because there not always accuarate

You'll need to provide much more details then for people to help you out your age and car type isn't enough.

On-line quotes are accurate if you provide accurate and true information.

fanadman1

draffodx wrote: »

You'll need to provide much more details then for people to help you out your age and car type isn't enough.

On-line quotes are accurate if you provide accurate and true information.

im from donegal cars 1.9tdi 18 provisonal lience will be insured under mum
anything else u need to know ?

flyingsnail

fanadman1 wrote: »

im from donegal cars 1.9tdi 18 provisonal lience will be insured under mum
anything else u need to know ?

If you are driving your mothers car then you will need to be on her policy with whatever company she uses. If you are driving your own car you will need your own policy.

Cuddlesworth

fanadman1 wrote: »

draffodx wrote: »

You'll need to provide much more details then for people to help you out your age and car type isn't enough.

On-line quotes are accurate if you provide accurate and true information.

im from donegal cars 1.9tdi 18 provisonal lience will be insured under mum
anything else u need to know ?

If its registered in your name or if your mom already has a car then your insurance is invalidated in a crash as you lied about the primary driver. the crash also goes against her too and she will lose her ncb and be loaded accordingly.

Also, insurance companys are wise to this. Prepare for huge figures regardless.

manutd

fanadman1 wrote: »

im from donegal cars 1.9tdi 18 provisonal lience will be insured under mum
anything else u need to know ?

Try Britton Insurance, very good for young drives, but 1.9L car will not be cheap anywhere.

Mint Sauce

Use the online as a guide only, ring up or call in to the branches or brookers to get it cheeper, if it seems high, tell them it was offered cheeper else where, you dont have to tell them where.

Alanstrainor

No one here is going to be able to answer your question man. Get the phonebook out and ring around, a company that someone found cheap, may not be the cheapest for you. There's no easy way, just take an hour or so out of your day and ring around.

m5alive

will be hard to a get a first time policy on a 1.9l car.

fanadman1

mum never had a car insured was always dad
both of use will be driveing it !

longhalloween

manutd wrote: »

Try Britton Insurance, very good for young drives, but 1.9L car will not be cheap anywhere.

Nononsense or 123.ie are also good for young drivers.

For a 1.9 your premium is gonna be MASSIVE, even if you're a named driver.

even the tax is going to be €600 a year

Any chance you could buy a smaller 1 litre car just to build up your no claims bonus for a few years?

doyle61

As the lads said get on the blower and get quotes from as many as you can. Start with Quinn who usually have cheap (used to anyway) quotes and use the cheap quotes as a bargaining chip to get a better quote from the other companies. I rang chill.ie this year and wasn't far off halfing my premimium.
In fairness though I'm 33 so have a lot more scope to play the companies off against each other but I still did it when I was your age and benefited from it

Joan brophy

A friend told me that both she and her husband have cars and insurane policies for each. Her son recently got driving test and has bought car. Her husband taken out another policy and son named driver on same. I always thought you could only have one policy

scotty1

Do what most of us have to do when starting off buy a one litre car and work you way up:D

commited

Joan brophy wrote: »

A friend told me that both she and her husband have cars and insurane policies for each. Her son recently got driving test and has bought car. Her husband taken out another policy and son named driver on same. I always thought you could only have one policy

This is known as fronting, i.e. when the person who will use the car the most is not the primary driver on the insurance. It's not the best idea.

cplwhisper

if its your car it must be insured in "your name", If insured any other way the insurance will be cancelled as non-disclosure of fact when incepting same..

Take the Swilly Bus to Letterkenny and up port road and down main street, AXA,AVIVA,Hicky-clarke&langan brokers to name but a few is best bet,

Where-ever your parents are covered is 1st bet as more likely to look favourable if extending insurance profile

PM is more info needed

Atomic Pineapple

Joan brophy wrote: »

A friend told me that both she and her husband have cars and insurane policies for each. Her son recently got driving test and has bought car. Her husband taken out another policy and son named driver on same. I always thought you could only have one policy

You can have as many as you like but each new one starts from afresh, ie: you can't use your no claims from your other policy.

fanadman1

cplwhisper wrote: »

if its your car it must be insured in "your name", If insured any other way the insurance will be cancelled as non-disclosure of fact when incepting same..

Take the Swilly Bus to Letterkenny and up port road and down main street, AXA,AVIVA,Hicky-clarke&langan brokers to name but a few is best bet,

Where-ever your parents are covered is 1st bet as more likely to look favourable if extending insurance profile

PM is more info needed

no swilly bus goin from fanad anymore :L could get the oul boy to take me :P

cplwhisper

send PM info , i may be able assist as fellow fanadian

brembo26

insure.ie seem to be throwing out some good quotes. they are a broker so they give you 3 different options online.

Mac0783

Somepeople are very unhelpful!

firstly as another poster said, if the car is regisitered in your name the insurance policy must be in your name. If it's registered in your mams name and she has another insurance policy, she wont have a no claims bonus to use on this policy so could be quite expensive, but still cheaper than yours.

secondly, apply for your full licence test, some insurance companies will qoute you once you have date. also consider insurance companies like Hibernian (oh oh showing my age Avivia) they used to have advanced driving courses you could do which would substanially lower your premium for a number of years, they're generally a one day course and not overly difficult and well worth it in the long run.

if your family have any policies with FBD then that would be my first port of call they can be very reasonable if family has history for younger drivers.

i personally would avoid Quinn Direct like the plague but you might well find they will be one of the cheapest qoutes you'll get. note all the exclusions on the policy though, but it is a disc in the window.

can't think of anything else off hand but best of luck, it's gonna be expensive. i remember my first car - 1L petrol fiesta, provisional lic, with one year Named driving experience and i paid €2200 ten years ago (and i'm a girl) so i dread to think what type of money you're being qouted..

let me know though would you? am shocking curious.

p.s. the Brittons suggestion is a good one, they're local to you in Donegal and i was insured with them for a while, fairly competitive..

fanadman1

Mac0783 wrote: »

Somepeople are very unhelpful!

firstly as another poster said, if the car is regisitered in your name the insurance policy must be in your name. If it's registered in your mams name and she has another insurance policy, she wont have a no claims bonus to use on this policy so could be quite expensive, but still cheaper than yours.

secondly, apply for your full licence test, some insurance companies will qoute you once you have date. also consider insurance companies like Hibernian (oh oh showing my age Avivia) they used to have advanced driving courses you could do which would substanially lower your premium for a number of years, they're generally a one day course and not overly difficult and well worth it in the long run.

if your family have any policies with FBD then that would be my first port of call they can be very reasonable if family has history for younger drivers.

i personally would avoid Quinn Direct like the plague but you might well find they will be one of the cheapest qoutes you'll get. note all the exclusions on the policy though, but it is a disc in the window.

can't think of anything else off hand but best of luck, it's gonna be expensive. i remember my first car - 1L petrol fiesta, provisional lic, with one year Named driving experience and i paid €2200 ten years ago (and i'm a girl) so i dread to think what type of money you're being qouted..

let me know though would you? am shocking curious.

p.s. the Brittons suggestion is a good one, they're local to you in Donegal and i was insured with them for a while, fairly competitive..

5190 euro for the year :O fr a car i paid 1900 euro for its crazy
thanks hi u are the most one of the most helpfull posters yet alot of people seem to think that its an excuse to take a hand out of the young lad

Mac0783

€5190!!!! Oh holy god. that's mental.

is that the best you've got? was re-reading some of the other posts and i think i saw that your getting this under your mothers name and this is her first policy am i right? Is this qoute under your mothers name? if so make sure it's with the same insurance company as your dads insurance company and that he is on it as a named driver and MAKE SURE they know that he has full time use of another car, should bring down the qoute. i am trying to think what else might help....if your mam drives and she is a named driver on another policy make sure that she tells them about this all insurance companies treat named driving experience the same as a NCB..

But the only thing is, even if you bought a 1.6 golf you'd still be paying big money, your age, prov licence and location are working against you... just thinking - if you are going to pay in installments, talk to the credit union about getting a loan and then paying them back as opposed to paying the insurance company in installments. The interest charged by insurance co. can be massive but make sure if you do take out a loan to pay for it, that it's a 12 month loan only... cause you'll prob need to do same next year...

have you applied for your test?

Mr. Presentable

Mac0783 wrote: »

€5190!!!! Oh holy god. that's mental.

To be fair, he's 18, no licence, in Donegal and with a 1.9TDI. I'm astonished an insurance company will quote him at all.

fanadman1

thats the best quote i had in my own name its crazy
all this but ur from donegal thats the bigest load of sh1t i think yes there was a few years that it was a sin how many were killed including friends and relations of mine but i still dn't think that the more senseable people who have never had an accident should be punished ! i've 18 months named driveing on a 2.8 mercedes vito 8 seater should that not stand to my favor ?

Nissan doctor

fanadman1 wrote: »

5190 euro for the year :O fr a car i paid 1900 euro for its crazy
thanks hi u are the most one of the most helpfull posters yet alot of people seem to think that its an excuse to take a hand out of the young lad

I struggle to imagine how your surprised by that quote. A young male driver on a provisional licence, with no NCB and a fairly large engined car is always going to be quoted 1000's.

fanadman1

Nissan doctor wrote: »

I struggle to imagine how your surprised by that quote. A young male driver on a provisional licence, with no NCB and a fairly large engined car is always going to be quoted 1000's.

i expected it in the 1000's just not 100 euro a week
should insurence not just be up to the value of the car ? cause the amout of drivers who dn't crash will make up for the unfortuneate few who do ?

longhalloween

fanadman1 wrote: »

thats the best quote i had in my own name its crazy
all this but ur from donegal thats the bigest load of sh1t i think yes there was a few years that it was a sin how many were killed including friends and relations of mine but i still dn't think that the more senseable people who have never had an accident should be punished ! i've 18 months named driveing on a 2.8 mercedes vito 8 seater should that not stand to my favor ?

That's no so much a quote, more a 'please f*ck off and try someone else'. Sorry to say but at your age it's the best you're likely to get.

Even when I was 19, driving a 1 litre corsa my insurance was €1800 for the first year, 300 more than what the car cost me.
What you CAN do is get onto one of the advanced driving courses, I know Aviva do them and maybe a few others. This'll give you a sizeable reduction in your premium, apply for your full license and pass ASAP and maybe think about selling your car and buying a smaller engine?!

I know it's sh*t but unfortunately you have to start small and work your way up.

fanadman1 wrote: »

i expected it in the 1000's just not 100 euro a week
should insurence not just be up to the value of the car ? cause the amout of drivers who dn't crash will make up for the unfortuneate few who do ?

It's not the value of your car they're insuring. It's the value of the other car + medical expenses and compensation of anyone you might hit and statistically at least, young male drivers make the biggest messes.

Mac0783

Sorry it's nothing against Donegal (am from Sligo used to live Donegal - big fan) but it's that different counties in ireland have different insurance rates. so you could have two people with identical details and cars but living in different counties and they would get different qoutes. for example Roscommon much cheaper than Westmeath (even if you're living in athlone and just one side of the town or the other!)

and yes in fairness he should have expected a high price but that doesnt mean it's right or that it's not still an exorbitant price to pay for a year €5190!!!! is an awful lot of money.

if you have insurance on a commercial a lot of companies won't recognise it unless they offer commercial insurance themselves. Try the company you were insured with, and try http://www.hooperdolan.ie/offices.htm in sligo my mam has commercial insurance with them and they were the cheapest i could find for her...

let me know how you're getting on..

Nissan doctor

fanadman1 wrote: »

i expected it in the 1000's just not 100 euro a week
should insurence not just be up to the value of the car ? cause the amout of drivers who dn't crash will make up for the unfortuneate few who do ?

1000's means several thousand.

Insurance premium are based on risk not car value so as a young male only starting out driving you are the highest insurance risk on the road.

During the height of the insurance prices in the very early 00's I paid 4k for my fist years insurance insurance for a 1.0 corsa....and I was 20!

IMO get a small car for a year or two, once you build up a few years NCB and you get older the premiums will drop.

MidlandsM

OP, you put the cart before the horse, you should have got quotes on cartain cars with certain engine sizes first, then bought based a car on the most affordable/favourable quote.

Nissan doctor

MidlandsM wrote: »

OP, you put the cart before the horse, you should have got quotes on cartain cars with certain engine sizes first, then bought based a car on the most affordable/favourable quote.

Agree'd, as a young driver starting off you simply don't have the choice of any car, unless you've plenty of money!

doyle61

That's a bit on the steep side to say the least OP!!! As has been suggested ild sell the Leon and go for something different but an idea here, how about go for the likes of a golf van. Your insurance should be cheaper with a commercial policy

Cuddlesworth

Nissan doctor wrote: »

Insurance premium are based on risk not car value so as a young male only starting out driving you are the highest insurance risk on the road.

Yep, nothing personal in it. Donegal has a high crash rate, young males have a high crash rate and larger heavy cars have a higher crash rate with inexperienced drivers.

Remember you can drive a 500 euro car and do a 1,000,000+ worth of damage to property and lives.

voojeq

longhalloween wrote: »

Nononsense or 123.ie are also good for young drivers.

For a 1.9 your premium is gonna be MASSIVE, even if you're a named driver.

even the tax is going to be €600 a year

Any chance you could buy a smaller 1 litre car just to build up your no claims bonus for a few years?

True they are going to be massive IF he gets insured in the first place which i doubt cause i tried with these and no luck as a greenhorn driver, min 2 years of driving experience in uk or ire otherwise talk to axa

Mac0783

Hi Fanadman, just wondering how you got on. did you get it sorted, who did you go with and how much??

fanadman1

Mac0783 wrote: »

Hi Fanadman, just wondering how you got on. did you get it sorted, who did you go with and how much??

got insured with aviva went threw hicky langan and clark insurence brokers in letterkenny
car is not mine anymore its mums and regestered in her name
so im a named driver and so is dad
2400 fully comp

Mac0783

oh that's great news you must be delighted. I know €2,400 is still a lot of money but a hell of a lot better than €5k! best of luck with it.

fanadman1

Mac0783 wrote: »

oh that's great news you must be delighted. I know €2,400 is still a lot of money but a hell of a lot better than €5k! best of luck with it.

alot of money but alot lot better than 5k :L and thats with 3 drivers the 5k was me on my own :L

thanks alot btw im over the moon with her atm
only problem is keeping her clean on the back roads :L washed,waxed and polished her last night :L and today its fluckin rotten again dam donegal back roads :L

Cuddlesworth

fanadman1 wrote: »

alot of money but alot lot better than 5k :L and thats with 3 drivers the 5k was me on my own :L

It will work out much cheaper in the long run to get insured in your name on a smaller 1 litre car and build up a NCB.

commited

fanadman1 wrote: »

got insured with aviva went threw hicky langan and clark insurence brokers in letterkenny
car is not mine anymore its mums and regestered in her name
so im a named driver and so is dad
2400 fully comp

Glad to hear you got a result, but are you the main driver of that car? It doesn't really matter who is the registered keeper, the person who uses the car the most is expected to be the primary policy holder.

Also, what you should have tried was you as the main driver and your parents as the named drivers, it often brings the price down to OK levels.

My first years insurance in 2007 at the rip old age of 22 was 2700e TPFT on a 1.3 with 1 years named NCB. I changed my car the following year for a 318iS and the insurance went down to 1100e. It's definitely worth having the policy in your own name as 1 years NCB is worth a lot to insurance companies.

fanadman1

commited wrote: »

Glad to hear you got a result, but are you the main driver of that car? It doesn't really matter who is the registered keeper, the person who uses the car the most is expected to be the primary policy holder.

Also, what you should have tried was you as the main driver and your parents as the named drivers, it often brings the price down to OK levels.

My first years insurance in 2007 at the rip old age of 22 was 2700e TPFT on a 1.3 with 1 years named NCB. I changed my car the following year for a 318iS and the insurance went down to 1100e. It's definitely worth having the policy in your own name as 1 years NCB is worth a lot to insurance companies.

its kind of 50/50 between me and mum

yes i know it would of been alot more senseable to get a 1 litre but i seen the leon and feel in love with the car :L and also its doin its job with the girls aswell :L
im delighted with my car atm :L now i need to make her more standered for the test

focus_mad

Fair play to ya getting a motor ya like OP but insurance was always going to be high, as you found out.

The county thing is a pain in the ass but what can ya do.

If I may give a bit of advice, on your next renewal see about getting your own policy so that you are getting your NCB. When I started the named driver NCB didn't count but that may now be different?

fanadman1

focus_mad wrote: »

Fair play to ya getting a motor ya like OP but insurance was always going to be high, as you found out.

The county thing is a pain in the ass but what can ya do.

If I may give a bit of advice, on your next renewal see about getting your own policy so that you are getting your NCB. When I started the named driver NCB didn't count but that may now be different?

named driver experence gets u a NCB now but i hope to be on my own policy in the new year

Cuddlesworth

fanadman1 wrote: »

named driver experence gets u a NCB now but i hope to be on my own policy in the new year

Gets you a named driver NCB. Such stellar rates as 1-3% off the premium to be had for a low low price.