Yay! Passed driving test, look out everyone.... but insurance...........

wow, just got a quote from elephant.co.uk, came up as £1400 to start with (still on my imaginary 1.2 Corsa), then i added my mum and it took £500 off!! tesco is still cheapest (adding her doesn't make a difference with them though), but i think that's really unfair how much it takes off by adding a woman.

i might just have a sex change.

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If you take the Pass Plus test (motorway driving and a few other little bits) that lowers your insurance for a year after you've taken it, so you could get a lower claim after that.

I'm only 16 though, so I ain't too sure

i wouldn't trust on-line quotes as much as physically ringing companies up.

the on-line ones are simply like formulae in Excel, and spit the quote out depending on what answers you give for each detail.

they still use the same thing for the companies you ring, but at least you can talk to them to ask for ways of bringing the quote down.

the on-line service might have no humans monitoring it, so the cost for each detail you enter might be higher.

you're right Zeppelin, if you do Pass Plus within a year of passing your test, even though it might cost £50 or £60, you could save more than that on your premium.

also consider doing an Advanced Driving course.

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RIP Jules, never to be forgotten. #KeepFightingMichael



Edited 1 time(s). Last edit at 03/02/2006 07:12PM by Muks_C.

I do my test on 24th march, so I am in the process of buying a car. I get a bit lower insurance as I am 22, but still quite high for the first car:P



RedSam
Winner: Not the Nickv Comment of the Year 2009
Due to the voting system in Germany, Governments are always made up of coalitions of different parties. At the last election, an almost unprecidented result saw the CDU/CSU (rough equivilant of the Conservatives) go into Government with the SPD (rough equivilant of Labour)

Muks_C Wrote:
-------------------------------------------------------
> i wouldn't trust on-line quotes as much as
> physically ringing companies up.
>
> the on-line ones are simply like formulae in
> Excel, and spit the quote out depending on what
> answers you give for each detail.
>
> they still use the same thing for the companies
> you ring, but at least you can talk to them to ask
> for ways of bringing the quote down.
>
> the on-line service might have no humans
> monitoring it, so the cost for each detail you
> enter might be higher.
>
> you're right Zeppelin, if you do Pass Plus within
> a year of passing your test, even though it might
> cost £50 or £60, you could save more than that on
> your premium.
>
> also consider doing an Advanced Driving course.
>
> --------------------------------------------------
> --------------------------------------------------
> -------

Alot of companies still do not recognise Pass Plus. I did the pass plus and my insurance company said they did not take that into account.

Also the online quotes are real. If you ring up and quote them the account no. or whatever it is when you save your premium online, they will stick by that as gospel. Its only companies that have the really quick quotes such as Liverpool Victoria that using a pre defined database of variables.

When I had a summer job last summer i had to get a car to get to work as it was a 40 minute drive. Obviously, being a student, I dont have a great amount of cash, espeically when the car would only be used to get to work and the odd around town driving.

I bought a little Fiat Cinquecento, L reg. I reccommend going for your own premium as soon as possible, Going on your parents insurance might be cheap, but you dont get any no claims bonuses out of it, and also as its cheap, insurance companies are wise to the fact that your a young driver, so they try to prove, if you have a smash for example, that you have done more miles and used the car more than your parents, meaning they will not pay out. Its a very old practice nowadays and insurance companies are wise to the maneouver.

Also, my car, my first premium came out as £630 Third Party, fire and theft (its an old car so its not worth fully comprehensive) and this was done through Elephant.co.uk as they were the cheapest for me (Insurance varies location to location). I paid £700 for the car as it was in very good condition and had very low mileage.

So, get your own premium as soon as possible. Buy an old small car to start off with to build your no claims up and have relatively cheap insurance.

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Edited 1 time(s). Last edit at 03/02/2006 07:33PM by 97kirkc.

Going on your parents insurance might be cheap, but you dont get any no claims bonuses out of it,

direct libe now give the named driver no cliams too.

I.Tz No Problem
For all your home and business I.T needs
[www.itznoproblem.com]
enquiry@itznoproblem.com

i passed mine today! 3 minors, 2 for letting lollipo ladys and kids crossing the road to waste driving time


Jenson drives it like he owns it; Lewis drives it like he stole it

well done danny boy!

how long till the souped-up Saxo?

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RIP Jules, never to be forgotten. #KeepFightingMichael

haha i had a purple corsa when i was learning but sold it to a girl as my legs were too long. i bought a 1.4l blue 3dr seat ibiza last year, so that shall be my Shaguar for a while!


Jenson drives it like he owns it; Lewis drives it like he stole it

my first car was an E reg 1 litre 205, it cost me £80. it then cost £800 to insure. go figure :P

Yeah, but you're a n00b. Get a Clio or a Smart!

My insurance documents ought to arrive today or Monday at the latest, and then I can get the car taxed and be on my merry way DRIVING. :D





Edited 1 time(s). Last edit at 03/04/2006 10:39AM by Zcott.

pfft I've been driving for three years and am.. "some" years younger than you, you n00b!

I like the way your insurance document could've been there yesterday, too... now monday? :P

Insurance for Lemmings isn't cheap since they all keep driving off the cliffs.

I think I pay around

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REHAB IS FOR QUITTERS

$1400 for a 2000 Honda Civic GLi....and before that..not very much for an '84 Toyota Corolla.

ZCOTT MAN!!!

A SMART?! NOOOOO!!

You like overpriced and shite-ified Mitsubishi Colts do you? :p

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She says brief things, her love’s a pony
My love’s subliminal

I've been on the road now since 2002, passed my test in December 2001, I did consider putting my mum as named driver of my first car, and she would have agreed, but was anxious of what it might to do her NCB in the event of me stuffing the car. So for that reason I decided to go it alone.

The first car I was the registerd keeper off (My sister owned it) was a Yugo! small engine barley a litre, yet the cheapest insurance quote was over £2000!, so not surprisingly I didn't actually drive it anywhere, just as well as I'd have probably taken a leaf out of Jermery Clarksons book and blown it up with a tank.

So the Yugo was a false start, and I only kept it when I still had a provisional liscense, my first car paid for by my money was a Vauxhall Chava aka Nova, 1.2 litres, cost me about £1100 to insure, but that came down quite quickly with NCB, a no frills car, but nowt to be ashamed off, it handled okayish, was very good on fuel. Had a few small niggly reliabilty probs, had to have the carbuettor sorted out once, and I was forever fixing the cooling system, radweld, new header tank etc. But I'd probably still have that that car today, had it not been stolen and burnt out be a frigging CHAV. Unfortuately I had to claim on my insurance because I was short of cash at the time.

Since then I've owned a Volkswagon Jetta w00t! hateful car, but it got me around, then I took on a 1.6 Astra, (91 model) which was fun, but take it as lesson, NEVER buy a car that has been modified, most people don't know what they are doing, thus lowering springs tend to muck up the suspension, so this little number handled more like a bus to be honest, and the air filter they n00bed to it played silly feckery with the air fuel ratio, I had a major WTF moment in the fast lane of the A1M when my engine light came on once. Yet the actual engine was sweet as a nut. Got rid of the car after about a year of having it mainly because it was rotting, could probably put your foot through the rear arches without much force. So I sold it onto a chav.

I'm now driving a 1.6 Fiesta freestyle, (2002/3 model) I'm currently paying about £700 on the insurance, and I have 2 full years NCB atm. The car is quite good, exceedingly camp granted, and the interior is shite, not much thoguht put into the placement of the console buttons etc, but it handles very well, and thus far has been 100% reliable.

i had a D reg. beige 0.9l Austin Metro, and it got stolen and joyrided on a grassy muddy field, so was a write-off.

then had a blue F reg. 1.3 Rover Metro Sport!! that was good fun, sold it to my mate after 2 years when he passed, and I got my current '98 S reg. 1.6 Escort Si, had it nearly 4 years. only done 47K miles so far, was 34K when i got it in '02.

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RIP Jules, never to be forgotten. #KeepFightingMichael

Hello everyone.

Sorry to dig up an old thread, but wanted to:

1) apologise for my absence. Had to rejiggle the hard drive (virus!)

2) I also passed my driving test on Friday - 10 minors and a trip up a kerb that went unmarked......



RedSam
Winner: Not the Nickv Comment of the Year 2009
Due to the voting system in Germany, Governments are always made up of coalitions of different parties. At the last election, an almost unprecidented result saw the CDU/CSU (rough equivilant of the Conservatives) go into Government with the SPD (rough equivilant of Labour)

you hit/killed 10 minors and still passed!!!!!

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RIP Jules, never to be forgotten. #KeepFightingMichael

Red Sam Wrote:
-------------------------------------------------------
> Hello everyone.
>
> Sorry to dig up an old thread, but wanted to:
>
> 1) apologise for my absence. Had to rejiggle the
> hard drive (virus!()
>
> 2) I also passed my driving test on Friday - 10
> minors and a trip up a kerb that went
> unmarked......
>

Lol, i hit the kerb in my test, but put it down as a stteering fault...i thought id failed at the time!




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