My boyfriend passed his test.....about......a month or so ago now, he did it through the army and passed 3rd time, he is desperate to buy a car, seen loads he likes but the insurance for them is out of this world, i mean he has been looking for e.g. Corsa 1.1 is around £1,400 (thats the cheapest!!!) a year!

Now im sure, like me, you all see these boy racers driving all over Sheffield, but how the heck do they pay for the insurance.

Anyone (young-ish pref.) know of any cheap insurance? :help:

my bloke is 20 years old.

Thanks :thumbsup:

Young drivers rapid bonus (http://www.norwichunion.com/car-insurance/rapid-bonus.htm)

If he gets this policy he gets a cheap pass plus course. When he's done it he gets a 40% discount off the policy.:thumbsup:

he is currently in the worst bracket for insurance look see :

Age 17-21 Get slammed on insurance

Age 21-25 Get slammed but not so bad about half

Age 25-35 Oh my god its lowering

Age 35+ CHEAP CHEAP CHEAP

the insurers see that ages reflect the mentality of a person behind a heavy machine and calibrate ther insurance accordingly

If you're under 25 (especially male) and have only just passed your test, then £1400 sounds about right for a small-engined car. I've always assumed that the boy racers can afford it cos they still live at home with mum and have nothing else to spend their money on!

try elephant.co.uk

That norwich union deal seems good, but try tesco, asda and direct line (i'm with DL), they seem to offer the best quotes for me.

tesco is always good

beware of DL, big excess and the courtesy car deal needs to be looked into carefully.

Well the excess is gonna be the max anyway seeing as he just passed and is "young".

Tesco is cheap but almost too cheap. Wasn't there a thread kicking around where someone had their tesco policy cancelled without knowing and got stopped by the police.

Originally posted by spicey
Well the excess is gonna be the max anyway seeing as he just passed and is "young".

Tesco is cheap but almost too cheap. Wasn't there a thread kicking around where someone had their tesco policy cancelled without knowing and got stopped by the police.

Yes but thats because he forgot to renew

If he's only getting a crappy car, he may as well just get TPFT insurance.

I had a 1.1 Fiesta last year that cost £450 - My TPFT insurance was £487! To get a decent price on Fully Comp insurance meant having a sky-high-excess, which wasn't worth it.

After all, if a £450 car gets smashed into, its beyond economical repair anyway.

He is taking his pass-plus this week, but still when he tells them he has passed his pass-plus, the insurance is still out of this world! it is ridiculous!

Originally posted by MissGobby
He is taking his pass-plus this week, but still when he tells them he has passed his pass-plus, the insurance is still out of this world! it is ridiculous!

Like I advised before the young driver policy only runs for 9mths and no claims gets earned quicker. I have a couple of friends who have these and its alot cheaper. With pass plus the discount is ok

When I was younger I found that the premiums for the 9-10 month policies were no cheaper than the best prices for a standard 12 months' insurance. Why pay the same money for less? Yes, you do get your first no claims bonus a bit earlier, but all you're actually doing is paying a full year price for a shorter policy.

Definitely go for TPFT instead of fully comprehensive, especially if your boyfriend's car isn't worth much. He will also need to accept that the excess will be at least £250. It's all done to encourage younger drivers to be more careful and to lessen the financial risk of the insurance underwriter. He'll have more options after a couple of years of 'sensible' driving.

Originally posted by Old_Bloke
When I was younger I found that the premiums for the 9-10 month policies were no cheaper than the best prices for a standard 12 months' insurance. Why pay the same money for less? Yes, you do get your first no claims bonus a bit earlier, but all you're actually doing is paying a full year price for a shorter policy.

Definitely go for TPFT instead of fully comprehensive, especially if your boyfriend's car isn't worth much. He will also need to accept that the excess will be at least £250. It's all done to encourage younger drivers to be more careful and to lessen the financial risk of the insurance underwriter. He'll have more options after a couple of years of 'sensible' driving.

If you go tft there is little change of an intro discount. :|

Don't forget to add you on the policy, or maybe his mum. Having a woman driver on there is always worth it even if they will rarely drive the car. It saved me £50 on a quote of about £600 to add my wife on even when she was still a learner! :) (and I got another £40 refunded as soon as she passed her test)

Originally posted by spicey
Tesco is cheap but almost too cheap. Wasn't there a thread kicking around where someone had their tesco policy cancelled without knowing and got stopped by the police.

Tesco is cheap to start with, but god help you if anything happens to your car. My ex had his insurance with Tesco. Just 4 weeks after paying £1500 for a car it was broken into and the whole door cavity was done in, which meant it needed a whole new door. Tesco decided that that would cost more than the car was worth, so they wrote it off and would only give him £450 for it. So he had a car where nothing was mechanically wrong with it but which they were refusing to pay the repairs for. He got a new car and they then bumped his premiums up by more than double. Needless to say he told them to s** off and he got a much cheaper premium elsewhere.

I think he should transfer the car into a parent's name and also do the insurance under them, he should be added as a named driver.

My car was "owned" by my dad for 5 years until I was 22 and then I managed to get fully comp for £600. I know if you build up your no-claims bonus, the premium will be less but £1400 seems a lot of money, especially when an older person could be paying £200.

Have a look at motorquote direct or insure supermarket

www.motorquotedirect.co.uk (http://www.motorquotedirect.co.uk)
www.insuresupermarket.co.uk (http://www.insuresupermarket.co.uk)

I found they're a pretty good place to start as they return quotes from so many companies. Do add a female driver (as it makes the quote cheaper) and i've also found that TPFT is usually cheaper than Third party only cover

When I got my first car at 18 it cost me £1500 for a 1.1l engine, last year was £900 and this year nearly £700 and thats with no claims. But if you want to drive you got to pay it.