Heh, when I was trying to choose what car to get (based around insurance prices), the vehicles I was looking at were around £1,800 a year insurance, but I was eye balling a 1996 Vauxhall Omega CDX 2.0i Auto (~£1,700 insurance, £2,000 car), a 1986 Range Rover Vogue V8 Auto (~£1,650 insurance, £2,300 car) and a 1983 Land Rover Defender 110 Hard Top Diesel 2.5NA Manual (~£1,500 Insurance, £1,995 car) and I am only 22. All were FC, and parked on the street. So it is insanity that anyone should pay anything close to that on a small car as they aren't even close to the same insurance group.

Christ, glad I ain't young anymore, costs me less than £500 a year to insure both my car and bike fully comp!!!

Damn, you north europeans have very high insurance rates.

Here (Greece) I currently pay:

- Around 250 euros every 6 months => 500 euros / year for car insurance (a humble Ford Focus I 1.4 / 2000).

- 180 per year for (small) motorbike insurance, and that even includes road assistance for mechanical failures.

@ Mcgas, have you not got a parent, or a member of your family's policy that your able to go on? I would suggest doing that for the first year or two to bring the price down abit. Also, if you would prefer your own policy, try putting down a parent, or a member of your family (providing they have decent NCB etc.) on your policy as a named driver. This can bring the price down a little.

A lot of people of the BMW forum I visit have their mum as a named driver on their policy and it brings the price down...haven't tried to for myself though.

Quote from The General Lee :

A lot of people of the BMW forum I visit have their mum as a named driver on their policy and it brings the price down...haven't tried to for myself though.

Yes. I put down my dad as a named driver on the peugeot (Unlimited no claims. Been driving for 29 years, never had a crash.) and its brought the price down about £200 or so, but i cant remember the exact ammount. Either way, it brought it down, so thats a plus!

Quote from P5YcHoM4N :

Heh, when I was trying to choose what car to get (based around insurance prices), the vehicles I was looking at were around £1,800 a year insurance, but I was eye balling a 1996 Vauxhall Omega CDX 2.0i Auto (~£1,700 insurance, £2,000 car), a 1986 Range Rover Vogue V8 Auto (~£1,650 insurance, £2,300 car) and a 1983 Land Rover Defender 110 Hard Top Diesel 2.5NA Manual (~£1,500 Insurance, £1,995 car) and I am only 22. All were FC, and parked on the street. So it is insanity that anyone should pay anything close to that on a small car as they aren't even close to the same insurance group.

Your 22 though, the majority of the stupid big accidents are caused by 17 year olds showing off to their mates, there's an assumption that after a couple of years most people will have grown out of this stage.

I tried getting insurance in my step-dad's name, but stupid Directline refused it. I kinda figured everyone else would too, So gave up. I will look for another car soon, I just needed to get my Nova going to get me from a to b while I find a job.

Quote from mcgas001 :

I tried getting insurance in my step-dad's name, but stupid Directline refused it. I kinda figured everyone else would too, So gave up. I will look for another car soon, I just needed to get my Nova going to get me from a to b while I find a job.

Have you tryed something like confused.com or moneysupermarket.com?

When i was doing quotes for the peugeot, a couple of them did deny me when trying to put my dad down as a named driver, but most of them did allow it.

Quote from mcgas001 :

I tried getting insurance in my step-dad's name, but stupid Directline refused it. I kinda figured everyone else would too, So gave up. I will look for another car soon, I just needed to get my Nova going to get me from a to b while I find a job.

Confused.com will give the most quotes.

Quote from ajp71 :

Your 22 though, the majority of the stupid big accidents are caused by 17 year olds showing off to their mates, there's an assumption that after a couple of years most people will have grown out of this stage.

Until you're 25 you are considered an immature driver and as such high risk. Though I suppose the 5 years between 17 and 22 would bring the price down, it wouldn't have thought it would be vast amounts as I haven't had a licence that long.

It's not so much about the price of the car, or its worth.

Its to do with its danger level, and what the percentages are of the crashes in your age range with that car.

Remember, most insurance (lets face it, most our age can't afford fully comprehensive), only covers the cars/objects that you hit :P.

I will now add to this post the price would be to insure a Kia pro_cee'd sport for an 18 year old.


Norwichunion direct £3459.80 cheapest
AA £4078.23 best value
Admiral £5935.10 most expensive

Now for a nissan 200sx. Lets see this will be bad.
Holy **** this is bad.

LNDSLLIGH £8212.74 best

Mirrorsure £9946.58 Worst

It could be worse really..I'm 21, no NCB, Ford Focus 1.8 Zetec (2000), 3rd party, with full EU breakdown, and audio cover, £730 or so a year. Can't really grumble. Covers me for other vehicles with permission as well, which as far as I know not many 3rd party policies add on.

Thats what I get for living in a remote part of the country I guess You'd think its safe to drive down here - almost been in more accidents in last 3 months than in the years I was able to drive living in a city.

Quote from Krammeh :

It's not so much about the price of the car, or its worth.

Its to do with its danger level, and what the percentages are of the crashes in your age range with that car.

Remember, most insurance (lets face it, most our age can't afford fully comprehensive), only covers the cars/objects that you hit :P.

Exactly, most people here don't seem to realise you're not paying to cover the cost of your car, you're paying to cover the cost of other people's cars/health.

If you only have 3rd party insurance then your car isnt covered at all anyway.

I think the insurence companies in GB are really ripping you all off.

I don't believe young people in GB are involved in that many more collisions then the young people here in the Netherlands.

I'm kinda lucky because I'm studying medicine. I can get insurance through a organisation for doctors with special discount for students. Age does not influence the quote and students get an extra 2 years no-claim to total 62,5% discount on full price.

Example Subaru Impreza GT Turbo '99 €478,50 per year, for 21 year old with no previous insurance. After three years without any claims it would be €319

It's just that I have no need for a car now and fuel and road-tax is so expensive. I'd still want one though, just a bit excessive.

Quote from MillerM :

I think the insurence companies in GB are really ripping you all off.

I don't believe young people in GB are involved in that many more collisions then the young people here in the Netherlands.

Insurance in Holland is silly, I've got a mate who has an MGB GT as a first car and pays less than half of what I pay as a named driver on a Focus to have his own policy. Having said that I think the UK is particularly bad for both the personal injury claiming culture (like suing the council if you ride into a sign) and for idiots being allowed onto the road in things that are far too fast for them to handle (like push bikes in some cases).

@ Mcgas. I forgot to mention, if you have already passed your test, have you tryed doing the "pass plus" system? Doing this can bring down your insurance too.

Quote from Nathan_French_14 :

@ Mcgas. I forgot to mention, if you have already passed your test, have you tryed doing the "pass plus" system? Doing this can bring down your insurance too.

Indeed, it can make quite a dent in your insurance prices with supported company's. Something I shall certainly look into!

Quote from mcgas001 :

Indeed, it can make quite a dent in your insurance prices with supported company's. Something I shall certainly look into!

Good move. I will certainly be doing it at some point.

P.S, if you dont mind me asking, whats your age? I know of some insurance companys that specialise in young drivers, but im pretty sure you have to be 18 or over for most, if not all of them.

Quote from Nathan_French_14 :

Good move. I will certainly be doing it at some point.

P.S, if you dont mind me asking, whats your age? I know of some insurance companys that specialise in young drivers, but im pretty sure you have to be 18 or over for most, if not all of them.

Check his profile...

...with the new system I can see you already have but clearly missed the age.

Quote from ajp71 :

I know someone who was a passenger in a car driven by a young driver, completely avoidable single car accident caused by ridiculously excessive speed (the one everybody who has ever driven a car fast thinks they'll never have), he broke his arm, driver broke multiple bones and another passenger suffered brain injuries. No doubt the pay out from the insurance company for life long injuries was a 6 figure sum even if the property damage was just a 306 and a tree.

Exactly. You can't think just of property damage, no matter what the worth of your car is. Injuries fall into the hundreds of thousands of dollars.

Way back when, when I was the age you all are now talking about this, I had a friend involved in a rollover accident as a passenger. His hand was flung outside of the sunroof during the rollover. He received $100,000 settlement. That was 20 years ago. Just imagine what that could be today.

Put someone in the hospital with serious injuries, as in life threatening injuries, and see what it would cost.

My coworker was involved in an accident coming to work at 5 am. He saw a guy up ahead coming the opposite direction that looked like he was weaving back and forth. My coworker pulled over off of the road and stopped. They other guy was drunk and passed out, moved over and ran along the gaurd rail on the wrong side of the road. He hit my coworker head on at around 100 mph.

Somehow, my friend survived. He was driving a full size truck (doubt he would be with us in one of your little econo cars that everyone spouts about). He tried to get himself out of the truck, but when he saw the leg bone sticking out of his leg and catching on the steering wheel, he figured he'd better wait for help.

Today, my friend has a wonderful lifelong bout with surgeries, about every year so far. How much do you think that costs? Probably more than the $500... $1000... $2000 per year worth of insurance premiums.

Quote from ajp71 :

Check his profile...

...with the new system I can see you already have but clearly missed the age.

He was actually the first profile i looked at after hearing about the update, so looking at his age was'nt exactly a necesity then i am afraid.

Quote from Nathan_French_14 :

He was actually the first profile i looked at after hearing about the update, so looking at his age was'nt exactly a necesity then i am afraid.

Thank you , I'm 18 btw..

At the end of the day it's not just what you drive, what you do for a living (which does affect it), or the risk of what you may hit, but also the risk of the vehicle sketching out and causing an accident in itself.

Insurance is nuts at the end of the day, but it's a necessary evil unfortunately