19 Year Old First Time Driver Car insurance

stevob7

Hi everyone,

I'm a 19 year old male and just passed my Full Driving Test 2 weeks ago. I'm looking to get driving but only if I can afford to as the cost of car insurance will be high for me I believe.

I have no previous named driver experience and 0 years no claims bonus.

Could people give me an idea of what kind of premium I will have to pay on a 1.4 or 1.2 small car? Also which insurers will give me the better quotes?

Just before I ring up later on.

Thanks

challengemaster

€2000 and upwards. Ring every insurer and broker, get a quote from all.

billy few mates

Had to do this a few years back when my son was starting out, most insurance companies didn't want to know, eventually found a company in Donegal called 4thelads that specialises in insurance for young lads like yourself.
4thelads.ie

Limbo123

No one can really answer that here. It is like asking how long is a piece of string. You will need to ring them all. The make and model of a car, your occupation and area that you live will all be factors in your quote. Young/new drivers tend to be deemed more risk so expect eye watering quotes whoever you call.
Good luck and safe driving.

Pov06

I'm 19, full licence, no NCB.

Paid €1,400 for the year on a 1999 Yaris 1.0.

First Ireland insurance brokers.

Cuddlesworth

Pov06 wrote: »

I'm 19, full licence, no NCB.

Paid €1,400 for the year on a 1999 Yaris 1.0.

First Ireland insurance brokers.

Perfect car, the sole territory of the granny.

If you want decent price on insurance, pick something with no power that is common with those over 70.

Don't bother with thoughts of a 1.2/1.4, aim your sights at the 1 litre and below team.

Alanstrainor

Cuddlesworth wrote: »

Don't bother with thoughts of a 1.2/1.4, aim your sights at the 1 litre and below team.

I would disagree with putting too much emphasis on engine size alone. Plenty of cars would fit into that low risk category. Micra 1.2, Punto 1.2, Focus 1.4 etc should all be okay for insurance.

Pov06

Cuddlesworth wrote: »

If you want decent price on insurance, pick something with no power that is common with those over 70.

70 bhp! She has a bit more power than its equivalent competitors (i.e Polo, Micra, Punto) :pac:

peteb2

billy few mates wrote: »

Had to do this a few years back when my son was starting out, most insurance companies didn't want to know, eventually found a company in Donegal called 4thelads that specialises in insurance for young lads like yourself.
4thelads.ie

Pointless these days. Gender equality means that 4thelads.ie also quote for women. Same as its4women.ie. No difference between a 19 year old male or female rate-wise.

TheDoc

I have an Opel Astra 1.4L and never paid over €1300 for insurance, that is with a provisional. Age bracket a little different I guess in that I got my first policy at 22.

Last renewal didn't both ringing around. For four years I did the "ring everyone" stuff, and every time it ended up being the best policy with someone on Chill's index.

If it's your very first policy might be worth the ring around, but I know from my group of friends with about 11 of us driving, not one person got a better deal then from somewhere that Chill can broker with.

Granted they can be a right pain with the paperwork and administration ( twice resulted in my policy expiring because they lost paperwork I sent in) I did find it to be stress fee and hassle free last renewal.

stevob7

Pov06 wrote: »

I'm 19, full licence, no NCB.

Paid €1,400 for the year on a 1999 Yaris 1.0.

First Ireland insurance brokers.

Thanks for the reply, is that with less than a year driving experience of any kind though? As I wasn't driving on anyone's policy yet......

Pov06

stevob7 wrote: »

Thanks for the reply, is that with less than a year driving experience of any kind though? As I wasn't driving on anyone's policy yet......

Yes, I had zero driving experience

TheDoc

stevob7 wrote: »

Thanks for the reply, is that with less than a year driving experience of any kind though? As I wasn't driving on anyone's policy yet......

Not sure if its changed, but when being a named driver didn't count for me when I went to get my first policy on my own. I'd two years as a named driver. I didn't drive at ALL for one of them, barely on the second. But figured it would help build a no claims bonus.

Ended up being told named policies don't count towards a NCB.

Foxhole Norman

TheDoc wrote: »

Not sure if its changed, but when being a named driver didn't count for me when I went to get my first policy on my own. I'd two years as a named driver. I didn't drive at ALL for one of them, barely on the second. But figured it would help build a no claims bonus.

Ended up being told named policies don't count towards a NCB.

Aviva count name driving experience as full No Claims

stevob7

TheDoc wrote: »

Not sure if its changed, but when being a named driver didn't count for me when I went to get my first policy on my own. I'd two years as a named driver. I didn't drive at ALL for one of them, barely on the second. But figured it would help build a no claims bonus.

Ended up being told named policies don't count towards a NCB.

Yeah it's still the same.

stevob7

Pov06 wrote: »

Yes, I had zero driving experience

By the way, did you mean €1400 fully comprehensive? And this year?
As Third-party, Fire and Theft is too risky even though it's way cheaper.

Alanstrainor

stevob7 wrote: »

By the way, did you mean €1400 fully comprehensive? And this year?
As Third-party, Fire and Theft is too risky even though it's way cheaper.

If the car is only worth 2 grand, it's probably not worth paying a tonne extra for a comprehensive policy to be honest.

stevob7

Alanstrainor wrote: »

If the car is only worth 2 grand, it's probably not worth paying a tonne extra for a comprehensive policy to be honest.

Well if you had to replace a side panel or something expensive then it would be worth it right. Replacement parts are expensive new.

Alanstrainor

stevob7 wrote: »

Well if you had to replace a side panel or something expensive then it would be worth it right. Replacement parts are expensive new.

Excess will usually be 250 or there abouts.

Loss of NCB, and huge bump in premium the next year would make it madness to claim for such an incident. Parts ain't cheap, but insurance costs are far worse.

arthur daly

Alanstrainor wrote: »

I would disagree with putting too much emphasis on engine size alone. Plenty of cars would fit into that low risk category. Micra 1.2, Punto 1.2, Focus 1.4 etc should all be okay for insurance.

I agree,you will regret it trying to keep up the pace on motor ways abd the General annoyance revving the heart and soul out of it to get anywhere,also done be takin in a 1l will be easy on fuel compared to a 1.2/4 the 1l will have to work a hell of a lot harder to accelerate burning fuel where a 1.2l4 will jot be working as hard..

Pov06

You should probably try drive a 1.0 on the motorway first. Never had an issue with overtaking or anything. The 1.0 Yaris will do 160 km/h without a bother

challengemaster

Pov06 wrote: »

You should probably try drive a 1.0 on the motorway first. Never had an issue with overtaking or anything. The 1.0 Yaris will do 160 km/h without a bother

It'll just feel like a giant vibrator :pac:

Pov06

challengemaster wrote: »

It'll just feel like a giant vibrator :pac:

It was kinda like that when I didn't have any spigot rings for the alloys

Foxhole Norman

challengemaster wrote: »

It'll just feel like a giant vibrator :pac:

I can back this up :pac:

stevob7

Axa quoted me €2400 for third party fire and Theft........ Thought they were meant to be reasonable

Pov06

stevob7 wrote: »

Axa quoted me €2400 for third party fire and Theft........ Thought they were meant to be reasonable

Keep trying. My experience was that brokers provided much cheaper prices than actual insurance companies.

stevob7

Pov06 wrote: »

Keep trying. My experience was that brokers provided much cheaper prices than actual insurance companies.

Yeah? can you name a few good ones? Like First Ireland you mean?

billy few mates

stevob7 wrote: »

Axa quoted me €2400 for third party fire and Theft........ Thought they were meant to be reasonable

In my experience I've found the insurance companies that advertise the most on TV, radio, newspaper etc are more expensive than the ones you have to go looking for.
Britton Insurance is another one that deals with young people but you could also try a broker who will do the ringing around for you...

TheDoc

Have you called Chill?

They broker for 14 insurance companies and it provides you a good wide net.

As mentioned above, oddly the ones who push hard on Tv and radio advertising seemed to be the most outragous quotes I've ever heard.

Quotedevil or devil something quoted €4300 !
nononsense was €3000+
another crowd said it was illegal to drive on my own as a provisional, so they can't provide a policy and " no other insurer can provide a policy to a provisional license holder, it's against the law"

I must go through my mail and get that companies name, it was a barrel of laughs talking to the girl as it was the most ludicrous lie/mis-understanding I've ever heard.

I get a renewal letter every year from my current insurer, then I ring Chill, and they go through and see if anyone will beat it. This year was the first time I didn't find something better. But I've been going through Chill for three years now, last two years just stopped ringing those not involved with chill.

Found it saves me time and hassle, and I've never found a reasonable quote from those not dealing with Chill.


**checked my mails there, it was AIB. They launched a new insurance thing last year and I bank with them. Were onto me every few months to make sure it was cool they rang me when I was due a renewal. Then rang me and fed me that ****e that you can't insure provisional drivers.

peteb2

TheDoc wrote: »

another crowd said it was illegal to drive on my own as a provisional, so they can't provide a policy and " no other insurer can provide a policy to a provisional license holder, it's against the law"

I must go through my mail and get that companies name, it was a barrel of laughs talking to the girl as it was the most ludicrous lie/mis-understanding I've ever heard.

You may find that they legitimately will not cover any accidental damage claim. They are obliged to deal with the third party claim if you hit someone. But could choose to pursue you for the balance. Being due to the fact that a learner permit doesnt allow you by law to drive unaccompanied.