18 year old insurance

kylemc04

I've about 3500 - 4k to spend on first car. Got my full license june 2022, I had just turned 18. Got insured in August on parents 2.2 mazda 3 as a named driver. Looking for first car now which will be insured in my name. What's recommended? Is a 1.6 Diesel reasonable to want. Living in countryside and all that so there's a grand place to park in regards to insurance, and so on. What do ye think? Thanks

Pete67

Liberty are good for young drivers - go to their site and put in your details for an instant quote. You can keep repeating the process with different cars to see the effects that engine size, age of car etc will make. Adding a parent with their own car as a named driver will bring the price of your policy down quite a bit. You will also get credit for any named driving experience you have which also helps. That should give you an idea of what cars to be looking to buy. Then just for peace of mind ring around a few brokers or get some other quotes for the car you are considering just to see if anyone offers a better price. Avoid any insurance companies that want to put a tracker in your car.

billyhead

https://www.boards.ie/discussion/comment/120281794#Comment_120281794

Why do you suggest avoiding a company that uses a tracker. The rates these companies quote are very affordable and unless your taking the piss with speed and driving erratically you should have nothing to worry about.

Wanderer78

https://www.boards.ie/discussion/comment/120284021#Comment_120284021

...i wonder can some of these trackers be removed from the car, and powered by a car battery externally!

Ronney

https://www.boards.ie/discussion/comment/120284182#Comment_120284182

In the event of an accident I'm sure the Insurance company will pay out if the tracker was at a different location.....

Wanderer78

https://www.boards.ie/discussion/comment/120284200#Comment_120284200

...would some really care about that!

AndrewJRenko

https://www.boards.ie/discussion/comment/120284216#Comment_120284216

They might care when they get done for having no insurance, and find that they're unable to get insurance from any provider for the foreseeable future.

Wanderer78

https://www.boards.ie/discussion/comment/120284286#Comment_120284286

...would they really, some might, but some....

daheff

https://www.boards.ie/discussion/comment/120284021#Comment_120284021

I'd agree. its a little bit intrusive of the company suggesting to do this. i'd be concerned that they are only looking to find (even more) ways not to pay out in the event of an accident.

bmc58

https://www.boards.ie/discussion/comment/120281794#Comment_120281794

Why should OP be afraid of a tracker?As an inexperienced young driver he should welcome such a move to help bring his primeums down for the first couple of years.

bmc58

https://www.boards.ie/discussion/comment/120284182#Comment_120284182

Thats going down the wrong track from the begining.

Pete67

https://www.boards.ie/discussion/comment/120284021#Comment_120284021

Because if the insurance company decide for whatever reason that they don't like your driving style, where you go, how often you drive at night, how much mileage you are doing per month etc etc they are entitled under the terms and conditions to cancel your policy. You have no right of appeal. If you have had any motor insurance policy cancelled or declined you will find it almost impossible to get cover again. Also it's a gross invasion of privacy, and they may seek to use the data from the tracker to apportion blame or even deny a claim. Personally I would not risk it.

zg3409

Back to OP, typically new drivers get better quotes with the like of a 1.0L engine and a make and model not popular with boy racers. The likes of a Yaris or Micra with small engine may be 1000 euro less a year to insure. In the first year or two of driving it's highly likely you will scrape a bumper or two or hit a wall so I would not go for a very nice car. Beware cars over 10 or 15 years old as less insurers will quote you and you may get much higher quotes. Some brokers may recommend specific cars to you over the phone. After a few years if driving then insurance costs should be more reasonable and you can get a "sporty" 1.6L diesel!