Forum: Advice / Cars & Driving

UK people: Car insurance! Im going out my mind!!
By Shhaan_Dmember has saluted, click to view salute photos
On Sat Sep 25, 2010 10:58 AM

Hi All

Im looking at buying a used car and getting it insured so I can commute to work and use it for socialising etc

However I had a look on these comparison website and its going to cost me £1900 to insure a 54 plate 1.25L ford fiesta!!

This is ridiculous!! I can't afford it!!

Can anyone tell me what insurance companies they went with??

Thanks
xxx

10 Replies to UK people: Car insurance! Im going out my mind!!

re: UK people: Car insurance! Im going out my mind!!
By Angelinamember has saluted, click to view salute photosPremium member
On Sat Sep 25, 2010 11:31 AM
I and my family have always stuck with Direct Line. You have to go to their website or call them though as they're not on price comparison sites (ick, I just quoted their advert).

Quite often, when my dad's insurance gets renewed, it goes up (for whatever reason) and he always calls and asks why it has increased and basically says "I don't want to pay any more than I already do" and they just knock the price down without even arguing. It's worth trying to talk them down a bit.

That does sound like an insane amount for such a small car, BUT bear in mind that a lot of the price depends on your postcode - so if you live in an area where there is a lot of car crime, it's likely to cost you a lot more. When I moved down to London, my insurance doubled just because of the postcode and I ended up selling my car. Sad times.
re: UK people: Car insurance! Im going out my mind!!
By nic_dancezonemember has saluted, click to view salute photos
On Mon Oct 11, 2010 04:27 PM
I was with Endsleigh as a student then moved to Hastings Direct and now I am with Diamond.

I have tried the I am not paying any more comment but hastings still would not get it down to the same level as Diamond.

Though when I did go through diamond do not take all the extras straight away. He offered the courtesy car no matter what for £30 for the year and then dropped it down to about £15 i think when I said I did not want it.

x
re: UK people: Car insurance! Im going out my mind!!
By reel_faerie85member has saluted, click to view salute photosPremium member
On Mon Oct 11, 2010 04:32 PM
I've been with Direct Line before and they charged loads for a fiesta. Also been with AXA Northern Ireland (obviously they won't insure in England) and they were expensive but then we were living in Barracks in NI - not really best place to be.

At the moment I am insured with swift cover. They are an online company and I have a 1.6 zetec focus, petrol, manual, 5 door etc bog standard) 03 plate and its £65 per month for 10 months.

I'm 25 and got 1 years no claims and have never had an accident.

Try them and see what you get
re: UK people: Car insurance! Im going out my mind!!
By mazie
On Mon Oct 11, 2010 06:15 PM
How long have you had your license for? I seem to remember you posting on the driving board not long ago saying you had just passed, is that right??

Being a brand new driver and not having any no claims history is definitely going to push your insurance up. I recently bought a second-hand car and although have had my license for two years and have previously been on other people's insurance temporarily I was still generally quoted prices around £1000. (I'm 21 by-the-way, so young but not super young)

However, I used comparison sites and ended up going with Diamond car insurance (who are the same company as Admiral) and they were only charging just over £500.
Is £1900 the cheapest on the comparison sites? What ones are you using, comparethemarket.com is the one I went with: i did go on others but comparethemarket seemed to give me the best prices for some reason or another.... Try a few different sites to check if there are differences between their prices.

However unfortunately the reality is that car insurance is really expensive and you will probably be paying over £1000 no matter what.
Ford fiesta is not the cheapest type of car to insure at the best of times with the insurance band ranging between 3-13 depending on the model (cheapest band in no.1, most expensive is 20). If you have an option of getting a different car with a lower insurance band then that might be a good option for you. Ford Ka's are good (that's what i have) they're very fuel efficient, tend to be cheap second hand and have low insurance bands (range from 2-6).

Hope that helps.x
re: UK people: Car insurance! Im going out my mind!!
By olderdancermember has saluted, click to view salute photos
On Tue Oct 12, 2010 03:05 AM
hi, im just going through this for my first car.
Iv found that Marks and spencers are the cheapest for my 1.2 corsa easytronic.
Also Vauxhall is one of the cheapest as well. So my advice is to you is to go to the dealers website to see if they do insurance as ironically it is cheaper if you have insurance from the make of your car, well in my case any ways.
Price breakdown for me: £1400 including full breakdown cover and legal protection.
I have no claims bonus.
I have had my licence for over a year

Also try and put a parent or relative who has had a licence for a while as this also lowered the price down for me also as before it was coming up at £1600 plus!

hope this helps
re: UK people: Car insurance! Im going out my mind!!
By BusyIzzy
On Tue Oct 12, 2010 03:40 AM
I'm with Direct Line and my mum's down as a named driver and because she's been driving for years and has a no claims bonus that brings it down a bit. I've taken my car to university with me this year and I'm the opposite of Angelina, I moved from London to the North of England and my car insurance has gone down by £400! So postcode/area definitely plays a big part in price.
re: UK people: Car insurance! Im going out my mind!!
By modern_dancamember has saluted, click to view salute photos
On Fri Oct 15, 2010 01:34 PM
Hiya
The price is usually down to age, how long license has been held, engine size etc.
I found going on the car comparison sites really useful...
comparethemarket, gocompare, moneysupermarket etc.
I found my cheapest quote was with Admiral for a 1.4 litre corsa sxi is £1000 a year, but im 21 and had my license for 9 months.
It might be worth thinking about getting a different car if this is an option.
hope this helps
love emma xxx
re: UK people: Car insurance! Im going out my mind!!
By Supergirlmember has saluted, click to view salute photosPremium member
On Sat Oct 16, 2010 01:08 PM
I am 20, and have been driving for 2 years tomorrow to be exact!
I currently drive a Punto Sporting 1.2, but my insurance isn't cheap either. I have one years no Claims, and will soon have two, however my insurance is still mega expensive (over £1000)on most cars.
I often check on comparason websites to see if I have the best deal, At the moment I am with Admiral, and Have a bonus accelerator policy. The policy I have means that you get the no Clamins Bonus quicker.

If you want to get the best deal I would reccomend using www.comparethemarket.com, I regularly use other sites like Confused.Com, Go Compare etc, but the prices are always lower on Compare the Market. Your cheapest quote will probably be from Premier Choice (if you only have yourself on the policy, as they do not come up so cheaply with named drivers).

If you do want to save money, it might be good looking at another car or maybe even Third Party Fire and theft cover. You used to be able to add parents/older people with more driving experience on to the policy and make it cheaper but the Insurance Companies have really clamped down on this recently, so you will probably not see any discount at all.

PM Me if you want more help, I feel like I could chat about this for hours :P

Lauren
re: UK people: Car insurance! Im going out my mind!!
By olderdancermember has saluted, click to view salute photos
On Sat Oct 16, 2010 02:52 PM
Edited by olderdancer (131597) on 2010-10-16 14:53:39
Edited by olderdancer (131597) on 2010-10-16 14:54:28
Edited by olderdancer (131597) on 2010-10-16 14:56:30 quoting is not working right?
Edited by olderdancer (131597) on 2010-10-16 14:57:06
Edited by olderdancer (131597) on 2010-10-16 14:59:55 quoting really not working oh well done it old school lol
Supergirl- You used to be able to add parents/older people with more driving experience on to the policy and make it cheaper but the Insurance Companies have really clamped down on this recently, so you will probably not see any discount at all.

Clarification, I thought this too, however they clamped down on the parent/more experienced driver being the main driver and the inexperienced being a named driver.

I found that with my insurance with vauxhall for my corsa, was about £300 cheaper having my mum as a named driver which is not illegal or detrimental as my dad checked on their policy and that my mum can be a named driver on multiple cars without it causing detriment. The reason why my insurance is more expensive than the average driver is because I have two medical conditions that the DVLA are aware but I have no restrictions. however I am more of a risk so more to pay in insurance. On my own would have cost me £1700 to insure my 1.2 corsa without my mum on as a named driver!. Also you dont need to live in the same house as I live in my own home with my husband. Plus as an afterhought it does make sense having someone I know insured to drive my car just in case I am ill or something, as my husband does not drive.

Sorry for ranting a bit but this information I only found out over the past couple of weeks due to experience of sorting out a car.
re: UK people: Car insurance! Im going out my mind!!
By Jodee_babesmember has saluted, click to view salute photosPremium member
On Sun Dec 12, 2010 03:46 AM
hey, i pay 1800 for 10months on my punto with elephant who i would NOT advise you use. Try ringing companys direct they help you get it cheaper, try insuring someone else as a named driver, i saved 300 addin my parents. Try taking a bank loan to pay it it'll go down a fair bit if not payed monthly. Good luck x

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