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Insurance question

  • 26-06-2016 9:05pm
    #1
    JustThisGuy
    Registered Users, Registered Users 2 Posts: 32 ✭


    With the insurance going up on a car older than 15 years now, will an 02 cars insurance go up in '17 or '18? Also, I hold a provisional license and im doing my lessons, hoping to have my full license within the next 2 months. Looking for a car with 1.2L max. What is the best way to go around the insurance for me to get the cheapest? My dad drives a BMW, so I can't be second driver on that. Nor will he want to use a little car that I purchase. But 2 different cars with the same insurance? Or would I be better off going by myself?


Comments

  • #2
    Del2005
    Registered Users, Registered Users 2 Posts: 19,099 ✭✭✭✭Del2005


    Go by yourself. There's no way to avoid the big hit at the start but at least you are earning an NCD. Pick a few cars you fancy and stick the details into a few online quote engines.


  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 25,619 ✭✭✭✭coylemj


    You can't have two cars on the one policy so you will have no choice but to take out a separate policy for the car you buy and whether he wants to drive it or not, the chances are that your father's policy will cover him to drive your car with at least 3rd party cover (if his policy has 'driving other cars cover') and in some cases with fully comp cover if his own policy is fully comp.


  • #4
    JustThisGuy
    Registered Users, Registered Users 2 Posts: 32 ✭JustThisGuy


    Okay thanks for the answer. Any clue on the 15 year old car rule? Because insurance companies and everyone seems to say that the insurance goes up, but one of my friends dropped down for some odd reason?


  • #5
    Grab All Association
    Registered Users, Registered Users 2 Posts: 3,926 ✭✭✭Grab All Association


    JustThisGuy wrote: »
    Okay thanks for the answer. Any clue on the 15 year old car rule? Because insurance companies and everyone seems to say that the insurance goes up, but one of my friends dropped down for some odd reason?

    Depends on the company/factors etc


  • #6
    savagethegoat
    Closed Accounts Posts: 2,297 ✭✭✭savagethegoat


    get your own policy, but ask your Broker if it would be worth adding your Pa or Ma as a second driver as it may reduce the premium. #

    This is a better way to go in the long run than you being a second driver on a policy taken out by Pa/Ma.

    It will cost an arm or leg but no avoiding that really.


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  • #7
    biko
    Registered Users, Registered Users 2 Posts: 81,220 ✭✭✭✭biko


    JustThisGuy wrote: »
    Okay thanks for the answer. Any clue on the 15 year old car rule? Because insurance companies and everyone seems to say that the insurance goes up, but one of my friends dropped down for some odd reason?
    Don't worry about the year. There will be many other considerations as well that will affect premium. Take each car on its own merits and check for quotes.


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