young sport drivers

[Laura]

im 19 2 yrs ncb
clean license own policy etc
looking to go from my 1.2 so a 172 in a few months time,

basicly i was wondering what companys are best to try and get a quote from

cheers

 

[theduck]

Gonna be expensive, but try bell, admiral, elephant, adrian flux, quinn direct, cant think of any others, lol

 

[Laura]

im hoping not to pay over 2k

 

[theduck]

Good luck, lol. My quotes have all been around £2200. 21 2yrs ncb, clean license, 1 accident.

 

[Dan Page]

20, with elephant.
I pay £2500 with 1 years no claims but that will be gone with the deer incident for renewal

 

[RN0 5EAN]

im 19 no ncb, 6 points for no insurance and no licence, drive a trophy and pay 2.3k and im only a named driver! i went through a local broker! i was going to be 4.5k in my own name. there are a few boys in my local area with 182s there is an 18yr old and he pays 1800 in his own name for a 182 with both cup packs!

 

[Dan Page]

thats against the law what your doing though isn't it! /\/\
i live in a pretty rough area too so that reflects on the 2.5k

 

[Laura]

woah go find out who they are with lol

 

[Laura]

ill deff be on my own policy not into that whole named driver thing

 

[Englebert]

thats against the law what your doing though isn't it! /\/\
i live in a pretty rough area too so that reflects on the 2.5k

So is not telling them about the deer...

Duty of Disclosure says you must inform the insurer of any changes (accidents, losses, claims, occupation, mods..).

I am with Directline at 21 and they were easily the best. Previously i was with Privilege (underwritten by Directline).

 

[ForceIndia]

Greenlight seem quite good, dropped my qoute by 40%.

 

[Dan Page]

i did tell them about the deer lol, they did pay me out! They said my policy continues untill next year and when i renew it will probably go up because of claiming

But then again i will be 21 so this may help it and equal it out a bit? :s

 

[steven.m]

#i cant get anyless than £2200 on a 172 Cup. I'm 20, live in a fairl good area I think with 1 year NCB and 1 accident exactly a year ago on thursday. Thats with Adrian FLux I think, Bell wernt too far behind. Try Admiral, Bell and Elephant with their 10 months policy??

 

[evans.398]

im 22 3 points and one accident. for a 172 ist 1200 pa thats with elephant. If u get either ur mum or dad as a named driver on your policy with a clean history might drop it a bit it worked for me got me 150 off my premium. and the good thing is its not dodgy coz its your policy in your name all it is is that ur one of ur parents is a named driver. bonus

 

[Laura]

just got £2500 from adrian flux

 

[shaun_cliosport]

im with direct line 22yrs old, 4ync also inc (pnc) 182 inc cup packs 2005 reg £770

 

[Dan Page]

yeah as evans said, i added my mom as a named driver and it dropped it right down!

 

[Waitey]

I'm 18 and i pay £1600 fully comp but that only becuase i work for a company that spends £100k plus on insurance a year and the insurance broke is very keep to keep our buisiness.

 

[hydeyho]

I'm 22 with 1 year ncb, I haven't insured for a year yet (paid extra ontop of existing cover to swap from a 1.2 to 182) and am paying £239 for 4.5 months which works out to approx £640 a year. I got a few quotes for when I turn 23 and have an extra years ncb and was getting quotes as low as £300 from http://www.moneysupermarket.com.

 

[Brin172]

My best quote was from Direct Line, I got it cheaper phoning them up than I did online.

(I was 26 the first time I insured it and it came to £1500)

I think insurance companies vary depending on what area you live in. So your best bet is to try everywhere you can! Insurers like TSB would insure me on a 172 because I am under 30!!!

I would think you will be lucky to get it for under £2500 though.

 

[craigp172cup]

im 21, have a 172 cup, no no claims, got insured fully comp with direct line for £940. if you play the companies off of each other they sometimes budge considerably. live in ayrshire btw

 

[CRAGS]

3Years ncb.22 Years old in fulll fat 182=£905 with TESCO in Falkirk

 

[Brad182]

21, 1 Year NCB, 3 points TS10 (failing to complay with traffic lights...more like bent copper) 182 full cup packs and i pay £1077 fully comp all in my name! Thats with Greenlight!

 

[brisa4984]

21, no points, 4 years ncb (so long as im with direct line) quote is 800 quid.

 

[Karlos182]

25 (today ), 8 years NCB, no accidents or points, fully comp with Adrian Flux - £535 (with ClioSport discount).
Although Greenlight were about the same.

 

[Laura]

whats the link for greenlight?

 

[Karlos182]

http://www.greenlightinsurance.com/

 

[theduck]

^^ You have to be 21 to be insured with greenlight. Come renewal I think they may be ideal for me

 

[Neil G]

Paying over a grand for a 172/182 insurance is completely daft.

 

[theduck]

Neil you gotta remember most young new drivers are now paying nearly £2000 on small engine cars! My insurance on my 1.6 is £800!

 

[Blue4Ever]

You're gonna struggle for much under 2.5k at 19. I ran a quote through on confused.com yesterday as if it was in a years time, so I was 19 with 2 years NCD. Was about 2.5k cheapest through Admiral. At 20 It was 1850. Adding mum brought the prices down to those mentioned above so it was dearer originally.

 

[theduck]

tbh guys I have been looking at getting hot hatches since I was 19, and the insurance isnt ever going to be near sensible untill your 21!

 

[Neil G]

Neil you gotta remember most young new drivers are now paying nearly £2000 on small engine cars! My insurance on my 1.6 is £800!

It hasn't changed either since I started driving 13 yrs ago...used to cost me the same.

What bugs me is peoples desperation to get in these sports cars regardless of cost...i.e they'll buy brand new on tick and pay 1000s of insurance.....you have to ask yourself is it worth it?...the monthly repayments must be astronomical.

At the end of the day it's up to people to spend their money on what thay want...I just remember all the s**tboxes I had to drive before I could move up to anything remotely decent lol

 

[Laura]

best quote i can get is 2280and i cant justify that

 

[Hotshot]

best quote i can get is 2280and i cant justify that

you're doing the right thing, there are better things to spend your money on to be fair, i really enjoyed my smaller engined clio and only moved up the ladder because my insurance quotes were now reasonable enough to allow me access to the hot hatch range. take it easy and enjoy the car for a while longer, time flies and makes fools of us all and im sure u'd rather enjoy the RS when you can properly afford to rather than scrimp and scrape and compromise other areas of your life all for a car.


For reference im 23 with 0 NCB (expired whilst at uni) and pay £890 on a Civic Type-R via a broker, fully comp under my own name. oh and 0 points

 

[seb]

24 yrs old, 7 yrs ncb. 3 points. £540 full comp with protection for 182 with broker.

 

[seb]

i definetely wouldn't spend 2k plus on insurance. the max i reckon i would spend is £800. Maybe look at another type of car instead?

horses for courses mind

 

[Laura]

well i said i would spend upto 1700 as thats what i payed on my 205 when i 1st started to drive, i have got my heart set on a 172 but i guess ill just have to wait a year or so

 

[RN0 5EAN]

im offshore at the moment but once i get home ill find out who he is insured through, and im not doin anything illegal with my insurance, i now have a licence and have had for over 2 years, i got cought driving my friends car at 16 and got charged with having no licence and no insurance. my points come off 10 months! cant wait!

 

[Hotshot]

technically your insurance is fraudulent if you're a named driver but are in fact driving the car more than the primary policy recipient