First insurance!

slammed

sorry about another first insurence thread but its hard find one on here that suites everybody im 17 in may and i was just wondering from experience what people are paying for there first insurence. and yes i am looking to insure a sports car.(please no hate replies about how they are shi#) 1st question is it cheaper to insure a honda civic coupe then it is a hatch? 2nd question can some people give me an idea of what it would cost? i will be a named driver and hope to do me test straight after my 10 lessons. i am hoping to get a policy with aviva and do there ignition test and save some money on my price.
thanks in advance josh

antodeco

Define "sports car"

Define what you mean by named driver? I assume you mean that the insurance is going to be in your parents name, and you will be the main driver on it?

Anan1

Get out the Golden Pages and ring every ins co and a good selection of brokers. They are the only people who can answer your question.

slammed

antodeco wrote: »

Define "sports car"

Define what you mean by named driver? I assume you mean that the insurance is going to be in your parents name, and you will be the main driver on it?

well ye would'nt call it a sports car but when you are trying to insure it the cost is high. ie honda civic,glanza etc
yes it will be in my mothers

antodeco

So what car is it exactly? Engine size etc?

slammed

antodeco wrote: »

So what car is it exactly? Engine size etc?

i don't have a car yet but going to buy one around 2000 to spend i have my heart set on a honda civic but the cost to insure it is very high. also you may know is it cheaper to insure a coupe then it is to insure a hatchback version.?

ShadowHearth

Okay, I wount be cynical here and try to help you out. I know once I was a young driver too. We all were.

If you are going for your first car, then please buy your first car as simple as possible. Stay away from civic and glanzas ( not a hope you will get insured on one too ). Buy a very sensible small engined car, yes, its not cool or fancy, you wont get "respect" from Ali Gs of your school, but you will be the smart one, who will spend as less as possible on first car and first insurance. You will save up money and get 1-2 NCBs. then you will be able to buy yourself something fancier. Then you will be the smart one, who waited a bit and got a really nice motor.
Almost all of us wanted a cool first car ( not that honda civic 1.4 is.. ), but it just makes so much more sense to do it right. Get a ****y first car, learn do drive on it, save up money, get more NCB and When you get proper sized balls, not those 17ish "squicky dog toys", get a proper nice motor. I know I might sound like an old fart, but trust me, Itsthe way to go.

Yeah buy a basic one for the first year or two, won't matter if you dent it a bit backing into a wall etc Build up your ncb and experience, then go for whatever you like

Recon

My first car was a 1996 1 litre VW polo, got it around 9 years ago, I was 21. It cost me €2,500 and the insurance (by myself, not as a named driver) was €3,300.

I would be very surprised if you did get insured with a civic, and if you do I imagine it's going to cost you a lot more than it's worth.

djimi

Its my exprience that insurers dont like coupes. Its also my experience that insurers dont like young lads driving Hondas...

Basically OP you are stacking every odd possible against yourself given your age, gender and the cars you are looking to insure. You may well find somoene who will cover you (try someone like XS Direct if all you want is a piece of paper on the windscreen to make you road legal), but youll most likely end up paying a fortune and/or getting very little cover for your money.

Id also be very wary of trying to insure a Glanza under your mothers name; a named driver is not supposed to be the principle driver of the vehicle, and if you have cause to claim for a large amount you can be sure the insurer will investigate the claim fully (insurers are well aware that not many mammys are driving cars like Glanzas!)

slammed

what about a golf tdi i know tax would be an issue but its a diesel on the other hand.?

Ded_Zebra

slammed wrote: »

what about a golf tdi i know tax would be an issue but its a diesel on the other hand.?

Probably as bad as Civic tbh.

You need to look at things like Pug 106s, Micras and Yaris'.

slammed

Ded_Zebra wrote: »

Probably as bad as Civic tbh.

You need to look at things like Pug 106s, Micras and Yaris'.

its worse then i thought :P i thought about seat leon, toledo as there not really know as the boy racer car yet still look nice im open minded but if i could dont want to go down the micra yaris etc road. if i could get insurence for in or around 1500 id take it im going to do the ignition course with aviva and see what that does to my quote.

arleitiss

Get corsa, they seem to be quite okay, I had corsa as my first car, 6 months later passed test and got rid of it but for those 6 months it was alright.

JohnBoy26

arleitiss wrote: »

Get corsa, they seem to be quite okay, I had corsa as my first car, 6 months later passed test and got rid of it but for those 6 months it was alright.

They are scrap(especially the 1 liter version) I would advice the op to stay clear of them.

juice1304

My first car was a 316i E36 bmw 1.9l, insurance was 3500 and i was 20:D:pac:

MAC2013

Being so young I'd advise you not to go for that type of car, a more basic car with small engine will be easier and cheaper to insure. When I was insuring my first car I found that liberty (Quinn insurance) was the cheapest insurance available.

djimi

slammed wrote: »

its worse then i thought :P i thought about seat leon, toledo as there not really know as the boy racer car yet still look nice im open minded but if i could dont want to go down the micra yaris etc road. if i could get insurence for in or around 1500 id take it im going to do the ignition course with aviva and see what that does to my quote.

Have you done any ringing around of insurers yet? €1500 most likely won't get you a lot; even on the smallest cars. If you're expecting to drive something bigger then expect to be paying a lot more.

peteb2

you won't get insurance for that price. And you are wasting your time putting it in your mothers name. Because they will load on the most rateable driver - you. Also the car would have to be registered in your mothers name.

juice1304

And if you are a named driver you won't get any no claims bonus which would bring your premium down alot mine dropped by E1000 after the first year.

pred racer

I dont know if this helps, but I just got a quote of 1700 for my 17 yr old daughter (provisional licence ) as a named driver on my 159 (1.9 jtdm)

Scortho

juice1304 wrote: »

And if you are a named driver you won't get any no claims bonus which would bring your premium down alot mine dropped by E1000 after the first year.

Do Liberty not see it as one? There was no difference between 2 years ncb in my own name and 2 years ncb as a named driver. Considering it was a difference if 1200 on a provisional, I was raging about it at the time!

Op as much as you'll hate to hear it your best bet is a micra or a fiesta until you have a full licence and a ncb. That said if you find an insurer who'll give you cover on a civic for less than 2k will you let us know???

ironclaw

The money you would blow buying, maintaining, fueling and insuring such a 'high risk' first car would stand to you in buckets two years later when your ready to buy a nice motor. Honestly, buy a decent uncool car and save your cash. Get the experience and NCB, and then splash out in 2 years. Sounds ridiculous but I'm a shade older than you, and I had friends in both frames of mind. The second half have great cars while the first either can't sell them, can't afford to trade up or are pretty much stuck with them.

slammed

djimi wrote: »

Have you done any ringing around of insurers yet? €1500 most likely won't get you a lot; even on the smallest cars. If you're expecting to drive something bigger then expect to be paying a lot more.

quoted 1300 from aviva on a 1.3 toyota corolla. and i can do an ignition test and get up the 40% off my quote based on result :eek:

slammed

Scortho wrote: »

Do Liberty not see it as one? There was no difference between 2 years ncb in my own name and 2 years ncb as a named driver. Considering it was a difference if 1200 on a provisional, I was raging about it at the time!

Op as much as you'll hate to hear it your best bet is a micra or a fiesta until you have a full licence and a ncb. That said if you find an insurer who'll give you cover on a civic for less than 2k will you let us know???

2100 to get covered as a named driver on 1.4 honda civic. so its a no go for them till i pass the test. as i said the 1.3 corolla sounds nice to me

SB6

Just another option, In my experience a 1.4 opel Astra F is one of the cheapest cars to insure. Worth a look maby? In personal experience they are very reliable, average on petrol and most importantly very cheap to run and buy initially.