Expensive insurance (young new driver)

nerobert

Just entered my details into the Axa website and got this insane quote, the car is barely worth 1000 euro, any ideas how I can get a cheaper quote than this?

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Dr.Rieux

What happens on a Micra instead of a March? Jap imports can often have extra loadings? Are you young? Have any NCB? Full licence?

nerobert

Dr.Rieux wrote: »

What happens on a Micra instead of a March? Jap imports can often have extra loadings? Are you young? Have any NCB? Full licence?

I'm seventeen, just got my license, only a provisional licence, the car is a one litre automatic and the only extras I can see on the car are electric windows, I had budgeted 2000 for insurance so this is a shock

Toyotafanboi

nerobert wrote: »

I'm seventeen, just got my license, only a provisional licence, the car is a one litre automatic and the only extras I can see on the car are electric windows, I had budgeted 2000 for insurance so this is a shock

17, provisional and the word Jap. you are lucky they didn't just hang up.

a March is a very mild, inoffensive car for sure and you are on the right track with it. it's not the extras it has, but what it's missing in terms of a factory fitted immobilizer (most older Japanese cars don't have these) that makes them very easy to steal and scumbags know this, so it makes insuring them fairly expensive.

try a quote with the same year, Irish Nissan Micra and i'd say it will be a decent bit cheaper.

Special Circumstances

Just save your money and move to Canada ASAP lad. There's a long list of things you're just going to get robbed on here.

biko

nerobert wrote: »

Just entered my details into the Axa website and got this insane quote, the car is barely worth 1000 euro, any ideas how I can get a cheaper quote than this?

Yes, shop around and try at least 5/6 more places.
I halved my quote from axa to Britton.

Edit, ok your circumstance are much different from mine. Try ringing a few brokers and see what they say.

bazz26

The value of the car has little or no bearing on the risk associated with someone of your age and driving experience. A €1000 car driven by a young and inexperienced driver can potentially cost an insurance company the same in damages or injuries as a €100,000 car.

Also online quotes are designed to offer cheap prices to anyone that insurance company sees as a low risk. Deviate from those parameters and prices shoot up. There is no easy way or short cut to getting cheap insurance other than taking time and ringing around the various insurance companies and brokers.

biko

As I suggested to another young driver, take the Avaiva Ignition course. It will cut your insurance down.

nerobert

biko wrote: »

As I suggested to another young driver, take the Avaiva Ignition course. It will cut your insurance down.

Ill look into this, the problem is the car was given to me, so I've no other choice I have to use this car

nerobert

Here is the original screen shot for anyone interested.

biko

That's fine.The car you have is "best" for a new driver so insurers will know this and give you a best price.
Insurance is not priced on a certain level like food or pints - the cost will vary greatly. As I said before I cut my costs by 50% by using one over another. It's crazy but there you go.

zarquon

nerobert wrote: »

Ill look into this, the problem is the car was given to me, so I've no other choice I have to use this car

No you don't. Sell the current one and buy another car if you get cheaper insurance.

nerobert

zarquon wrote: »

No you don't. Sell the current one and buy another car if you get cheaper insurance.

What car could be cheaper than micra? And plus it was given to me as a birthday present, and it would be a bit disrespectful selling it

NN1

Boxymo are fairly cheap, but you have to get a black box fitted that monitors your driving

Pov06

I would go to First Ireland brokers. They are very nice to deal with and I think they'll give you the best price.

MarkAnthony

OP an assumption but if you're driving around on your own expect a Fixed Penalty Notice and points. Try those quotes again with 2 and 4 points (assuming no L plates up).

You'd be better off spending your money on lessons and getting the test done. I also don't recommend learning in an automatic.

H3llR4iser

biko wrote: »

As I suggested to another young driver, take the Avaiva Ignition course. It will cut your insurance down.

I would say, before that, get your full license - it will cut your premium in half to begin with. Do the learning with a driving instructor / school car, and in the meantime keep your own car safe and off the road at home.

It's also worth trying a broker or two, they might be able to give you a deal that you can't find directly with the companies.

nerobert

Thanks for the replies, and yeah I'm going to do my lessons in a manual, Im eager to get on the road so I went about getting quotes just so I could get an idea how much the insurance would be, I will take all these ideas on board, thanks

MarkAnthony

OP, try your luck with a 1.4 Focus. My insurance starting off was cheaper than lots of people I know (everyone I know, actually, I think?).

People I know started with Peugeot 206s, Fiat Puntos, Citroen Saxos, etc. but the Ford Focus seemed to work out in my favour.

MarkAnthony wrote: »

OP an assumption but if you're driving around on your own expect a Fixed Penalty Notice and points. Try those quotes again with 2 and 4 points (assuming no L plates up).

What in the name of jaysus does any of that have to do with anything?

mhackett102

I was in the same position as yourself exactly a year ago. 17, just got my provisional and was eager to get on the road. I went out and bought a '02 Corolla, worth approx €2k. When I went to go insure it, I got quotes back of approx €5k!!
(Needless to say, the car had to go!)

Anyhow, I got insured on the family car (to add me on was €850), done my 12 lessons and done my driving test (passed).

My advice is for you to do your lessons and wait until you have your full licence to go looking at insurance.
Before, they wouldnt even talk to me as I was 17, provisional licence, no experience and trying to insure a Jap.
Now, Im 18, full licence and have 1 years experience done as a named driver!

Insurance on that particular Corolla has halved what it was this time last year for me

MarkAnthony

Deleted User wrote: »

What in the name of jaysus does any of that have to do with anything?

There has been a recent change in the law, many are unaware of.

mhackett102

If you are caught without displaying L or N plates then you get 1 penalty point and a fine.
If you are a L driver and caught without being accompinied by a full licence driver of over 2 years, then you get 2 penalty points and a fine.

There are more legislations and rules, but they seem to be the main two. I was not aware of them myself until I heard them on the news one evening, and I really learned when I got stopped by guards that weekend!!

Also keep in mind that the most penalty points you can get on your Provisional is 6.

Believe me, once you get that test done then it is the best thing that will ever happen. I passed 2 weeks ago and am still on cloud nine!

MarkAnthony

Jacking up the insurance, of course becuase of the points. TBH rendering 17 year old uninsurable I would have thought. We all used to do it, not something I recomend these days though.

H3llR4iser

Deleted User wrote: »

What in the name of jaysus does any of that have to do with anything?

The fact that there is, in Ireland, a marked issue where a lot of people consider a learner's permit as if it was a proper driving license, and use it not for learning but for just driving around, as if they had passed their exam?

Ireland is one of the EU countries where learner drivers have the best opportunities to practice properly and for long times, yet most choose to forego it and just pretend they learnt everything from a written test. Then we spend ages here complaining about roundabouts, lane discipline and so on. I wonder why.

OP, as you said, you were a bit eager...understandable, this is all new to you and...well, you have the enthusiasm of a 17 years old, afterall

Just take your time, things will fall in place.

H3llR4iser

H3llR4iser wrote: »

The fact that there is, in Ireland, a marked issue where a lot of people consider a learner's permit as if it was a proper driving license, and use it not for learning but for just driving around, as if they had passed their exam?

But the OP never mentioned driving on his own, did he? Or did i just miss that.

It just seems every thread relating to learner drivers gets that 'issue' dragged into it.

MarkAnthony

Deleted User wrote: »

But the OP never mentioned driving on his own, did he? Or did i just miss that.

It just seems every thread relating to learner drivers gets that 'issue' dragged into it.

I did it when I learned to drive, I know many who did, I even know a few barristers on circuit (driving God knows how many Kms per week) that did it. The reason I flag it is because now there has been a move to FPNs and a reduction in points it's ill advised to drive on your own.

The problem is people who are not familiar with the change, say ah sure you'll be grand we all did it. No bother but when we did it a guard was very unlikely to spend half a day taking us to court. Now it's a slap of a FPN, job done two points and unless you're a very rich teenager, no more car come renewal time.

In theory get caught speeding (so easy to do when you're an experienced driver let alone a Learner), without your L plates up and on a learners permit without supervision it could be a straight ban due to the six points.

Worth mentioning to OPs in these situations IMHO.

9935452

MarkAnthony wrote: »

I did it when I learned to drive, I know many who did, I even know a few barristers on circuit (driving God knows how many Kms per week) that did it. The reason I flag it is because now there has been a move to FPNs and a reduction in points it's ill advised to drive on your own.

The problem is people who are not familiar with the change, say ah sure you'll be grand we all did it. No bother but when we did it a guard was very unlikely to spend half a day taking us to court. Now it's a slap of a FPN, job done two points and unless you're a very rich teenager, no more car come renewal time.

In theory get caught speeding (so easy to do when you're an experienced driver let alone a Learner), without your L plates up and on a learners permit without supervision it could be a straight ban due to the six points.

Worth mentioning to OPs in these situations IMHO.

You wont get 6 penalty points in one go. They will fine you for all 3 but you will only get penalty points for the biggest point offense, ie speeding which is 3 points

MarkAnthony

9935452 wrote: »

You wont get 6 penalty points in one go. They will fine you for all 3 but you will only get penalty points for the biggest point offense, ie speeding which is 3 points

Are they under a requirement to do that? If so could you provide a link, I know in practice they don't but it would be interesting to see if they are precluded from doing it.

Effectively for the OP's benefit 3 points would have him off the road anyway I'd imagine.

9935452

MarkAnthony wrote: »

Are they under a requirement to do that? If so could you provide a link, I know in practice they don't but it would be interesting to see if they are precluded from doing it.

Effectively for the OP's benefit 3 points would have him off the road anyway I'd imagine.

http://www.irishstatutebook.ie/2002/en/act/pub/0012/sec0002.html#sec2
Road Traffic Act 2002 Section 2 says so for cases where multiple offences were detected at the same time.
Para 2.3 : you get points for only one offence.
Para 2.4 : the points given are for the offence with the greatest points

slimjimmc

9935452 wrote: »

http://www.irishstatutebook.ie/2002/en/act/pub/0012/sec0002.html#sec2
Road Traffic Act 2002 Section 2 says so for cases where multiple offences were detected at the same time.
Para 2.3 : you get points for only one offence.
Para 2.4 : the points given are for the offence with the greatest points

Isn't plagiarism meant to be some form of flattery or sumfin.:D
http://www.boards.ie/vbulletin/showpost.php?p=94933866&postcount=42

9935452

slimjimmc wrote: »

Isn't plagiarism meant to be some form of flattery or sumfin.:D
http://www.boards.ie/vbulletin/showpost.php?p=94933866&postcount=42

Definately lol. Im surprised more here dont know about the penalty points thing. This is the at least the 3rd time it has been mentioned here in the last few months

emeldc

nerobert wrote: »

Here is the original screen shot for anyone interested.

OP my young lad is the same age as you. This is his quote on a 1.4 Astra from AXA



Your quote is
€6126.24
Just €918.93 deposit and €617.44 monthly
for 9 months (APR17.04%)

Skatedude

As mentioned, only real way is to get insured as a named driver on parents policy

wonski

I got silly quotes from insurers every year despite being fully licensed and having 5 or more years ncb.

I've paid 2700-2800 to insure a powerful Seicento on provisional when I was over 25 years old. 5-6 years ago.
1300 next year, 800 year after. These quotes go downhill after the first year.

The first year is the worst and the OP is 17 yo. Get some lessons op, try to pass the test asap and you will be fine (you will be robbed but not as much as you are now;)).

bazz26

Skatedude wrote: »

As mentioned, only real way is to get insured as a named driver on parents policy

Many insurance companies are aware of this these days which is called fronting, they will just load whoever is the highest risk on the policy whether it be the main driver or a named driver.

wonski

bazz26 wrote: »

Many insurance companies are aware of this these days which is called fronting, they will just load whoever is the highest risk on the policy whether it be the main driver or a named driver.

Not to mention that 1 year ncb is worth more than 5 years on parents policy.

If you want to drive you have to think long term.

9935452

Skatedude wrote: »

As mentioned, only real way is to get insured as a named driver on parents policy

I agree. Get named on your parents car. Get experience with them and get lessons and get the full license.
As it stands you cant drive on your own . The full licensed driver must hold their license for at least 2 years so that probably rules out a lot of your friends.
Unless you have 3 grand extra to spare

emeldc

Skatedude wrote: »

As mentioned, only real way is to get insured as a named driver on parents policy

9935452 wrote: »

I agree. Get named on your parents car. Get experience with them and get lessons and get the full license.
As it stands you cant drive on your own . The full licensed driver must hold their license for at least 2 years so that probably rules out a lot of your friends.
Unless you have 3 grand extra to spare

I already have one darling offspring as a named driver on one of 'my cars'. Most, if not all insurance companies will ask if I have insurance on any other vehicle (which I do). I would have to lie about this in order to insure the second young lad on a different car. When it comes to insurance I think you're better off telling the truth. When you have a problem, as sure as eggs is eggs, they wont pay.

9935452

emeldc wrote: »

I already have one darling offspring as a named driver on one of 'my cars'. Most, if not all insurance companies will ask if I have insurance on any other vehicle (which I do). I would have to lie about this in order to insure the second young lad on a different car. When it comes to insurance I think you're better off telling the truth. When you have a problem, as sure as eggs is eggs, they wont pay.

I completely agree, but im saying genuinely get named on a parents car , not the parent get a new car for the offspring and insure and tax it for them.
Its not worth lying to them. They will pay third party liability but will pursue you for the costs.

When i learned to drive i was named on my parents only car. Where they went, i drove and did the test and passed and got my own car eventually.
Thats what im saying the op should do

emeldc

9935452 wrote: »

I completely agree, but im saying genuinely get named on a parents car , not the parent get a new car for the offspring and insure and tax it for them.
Its not worth lying to them. They will pay third party liability but will pursue you for the costs.

When i learned to drive i was named on my parents only car. Where they went, i drove and did the test and passed and got my own car eventually.
Thats what im saying the op should do

It's a mint condition E46. He can fuggin' walk or get the bus

9935452

emeldc wrote: »

It's a mint condition E46. He can fuggin' walk or get the bus

Whats the second car ? Surely you could have the two of them insured on the same car

emeldc

9935452 wrote: »

Whats the second car ? Surely you could have the two of them insured on the same car

Yea, the other one is a Golf but the whole sharing thing wouldn't really work with college and work schedules etc. I'm hoping the older of the two will get his test on the next go and get his own insurance and then I can start all over again with the younger lad.

ice.cube

emeldc wrote: »

OP my young lad is the same age as you. This is his quote on a 1.4 Astra from AXA



Your quote is
€6126.24
Just €918.93 deposit and €617.44 monthly
for 9 months (APR17.04%)

That is some price to get a young person driving. I remember a few years ago I started out at €2800 with Axa, 1.4 Opel Astra, 3rd party fire and theft on a fresh provisional licence at 17 years of age. It reduced quite dramatically year on year with the help on a full licence. Check up about a student policy with Axa. I got 0% finance and I believe they applied my no claims bonus every quarter rather then waiting for next years quote to get your discount.

emeldc

ice.cube wrote: »

That is some price to get a young person driving. I remember a few years ago I started out at €2800 with Axa, 1.4 Opel Astra, 3rd party fire and theft on a fresh provisional licence at 17 years of age. It reduced quite dramatically year on year with the help on a full licence. Check up about a student policy with Axa. I got 0% finance and I believe they applied my no claims bonus every quarter rather then waiting for next years quote to get your discount.

That was actually the cheaper quote. Liberty was €6288 :eek:
Boxymo.ie quoted around €2K with the tracker thingy fitted.

Darraghmh91.

In 24 years old with a full licence and going onto 4 years ncb and for me to insure my 1991 starlet got turbo at third party only it's costing me 1500
No other company wants to know the car as its too old but it's weird cause the car gets better results in the nct than 00+ cars and only 100k on the clock with emissions at 0.01 on low idle
Old cars are bomb proof and will be on the road another 20+ years no problem

ice.cube

emeldc wrote: »

That was actually the cheaper quote. Liberty was €6288 :eek:
Boxymo.ie quoted around €2K with the tracker thingy fitted.

Do you know how many km he will be allowed to drive in the year with Boxymo? I see the safer you are the more allowance you get. I wouldn't really be a fan of them reducing my score for night time driving especially if one worked in a pub and traveled home late frequently.

9935452

Darraghmh91. wrote: »

In 24 years old with a full licence and going onto 4 years ncb and for me to insure my 1991 starlet got turbo at third party only it's costing me 1500
No other company wants to know the car as its too old but it's weird cause the car gets better results in the nct than 00+ cars and only 100k on the clock with emissions at 0.01 on low idle
Old cars are bomb proof and will be on the road another 20+ years no problem

I dont think insurance companys care about emissions.
They would be looking at things like safety. What sort of rating would your car get in the euro ncap ratings versus a modern car.
Its annoying how a car reaches 20 years old an insurance company doesnt want to know.
Did you every think of classic car insurance

Darraghmh91.

9935452 wrote: »

I dont think insurance companys care about emissions.
They would be looking at things like safety. What sort of rating would your car get in the euro ncap ratings versus a modern car.
Its annoying how a car reaches 20 years old an insurance company doesnt want to know.
Did you every think of classic car insurance

Ahh I know that they dont care about emissions I was just making the point that it's a very healthy reliable car but it doesn't help at all it's just an old car to them Yano
If they were to know what kind of work and money went into this car they would have no problem insuring it ha
If I want classic in only allowed like 3000 a year milage and stuff and wound need to insure another car as a daily for paper work Yano .. Ahh I'll pay the 1500 that's what it takes so I don't mind

emeldc

ice.cube wrote: »

Do you know how many km he will be allowed to drive in the year with Boxymo? I see the safer you are the more allowance you get. I wouldn't really be a fan of them reducing my score for night time driving especially if one worked in a pub and traveled home late frequently.

That quote (€2107) was for 10000km with max bonus km's of 3600. As far as I can make out you get the bonus km's if you drive well but you don't get penalized on the 10k if you fcuk up. Those Km's are guaranteed. It doesn't matter when or where you cover them.
I assume if you are continually breaking speed limits or crossing white lines etc, the black box will record this and hit you in the pocket for your second premium but TBH I didn't look into it too much yet.

9935452

Darraghmh91. wrote: »

Ahh I know that they dont care about emissions I was just making the point that it's a very healthy reliable car but it doesn't help at all it's just an old car to them Yano
If they were to know what kind of work and money went into this car they would have no problem insuring it ha
If I want classic in only allowed like 3000 a year milage and stuff and wound need to insure another car as a daily for paper work Yano .. Ahh I'll pay the 1500 that's what it takes so I don't mind

AFAIK you can do 5000 miles on a classic policy.
There is a poster on here who has a BMW on a classic car policy . Its his only car and the insurance know this is his main daily driver

carzony

I'm 23 this year a 4 year ncb with First Ireland.. I'm paying about 750 on a 98 audi 1.9tdi.. not bad really?