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PostPosted: Wed Mar 06, 2013 11:45 am 
retrobike rider / Gold Trader
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Need a bit of help here, from anyone with hints tips and tricks to keep car insurance costs to an absolute minimum.

My daughter is 19 in July, and will have passed her test in the next month or so, so looking fir a cheap car/policy. The car is ins. group 3, so not a ball-breaker, we've kept mileage low, voluntary excess high and also added the black box option, but we can't get it under £3-4k a year.

Any advice greatly received... Don't really want to just resort to adding her to my policy as a named driver...


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PostPosted: Wed Mar 06, 2013 12:18 pm 
Retro Guru

Joined: Mon Apr 03, 2006 5:11 pm
Posts: 1103
Wow!

Might be cheaper to buy a new car with free 1yr insurance, E.g. I think Citroen still do that.

Edit: only deal I can see is http://info.citroen.co.uk/new-cars/car- ... citroen_c1

£99 per month over 4 years = £4752 with 1 yr free insurance. Should be cheaper to insure in years 2-4 but you would have to do quotes and add it all up.

Have you got a quote from elephant? crank that excess right up!


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PostPosted: Wed Mar 06, 2013 12:35 pm 
Karma Queen / Cake Meisterin
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Location: North Yorkshire
My 20 year old, just turned, went to Elephant for his first car last Saturday and got fully comp for just over £1000.

Alison


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PostPosted: Wed Mar 06, 2013 12:47 pm 
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Joined: Thu May 27, 2010 1:20 pm
Posts: 909
Location: London
GT-Steve wrote:
Need a bit of help here, from anyone with hints tips and tricks to keep car insurance costs to an absolute minimum.

My daughter is 19 in July, and will have passed her test in the next month or so, so looking fir a cheap car/policy. The car is ins. group 3, so not a ball-breaker, we've kept mileage low, voluntary excess high and also added the black box option, but we can't get it under £3-4k a year.

Any advice greatly received... Don't really want to just resort to adding her to my policy as a named driver...


Holy crap! Is that fully comp?


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PostPosted: Wed Mar 06, 2013 1:17 pm 
retrobike rider / Gold Trader
retrobike rider / Gold Trader
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Location: At the pinnacle of fuckwittery
Cheers for all the help so far....

yagamuffin wrote:
Holy crap! Is that fully comp?


Nope - third party only on a Citroen c2 1.4 tdi worth 1200quid, excess up at the max and 5000 miles a year..


Last edited by GT-Steve on Wed Mar 06, 2013 1:47 pm, edited 1 time in total.

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PostPosted: Wed Mar 06, 2013 1:21 pm 
Karma Queen / Cake Meisterin
Karma Queen / Cake Meisterin
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Joined: Thu Jul 27, 2006 10:02 pm
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Location: North Yorkshire
GT-Steve wrote:
Cheers for all the help so far....

yagamuffin wrote:
Holy crap! Is that fully comp?


Nope - third party only on a Citroen d2 worth 1200quid, excess up at the max and 5000 miles a year..


My sons quotes were better for fully comp than 3rd party, never worked out why.

Alison


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PostPosted: Wed Mar 06, 2013 1:31 pm 
retrobike rider / Gold Trader
retrobike rider / Gold Trader
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Location: At the pinnacle of fuckwittery
I asked my own insurer that, a couple of months ago and apperntly it's something to do with showing more care and responsibility..

When I was a teenager tpft was waaaay cheaper than comprehensive.


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PostPosted: Wed Mar 06, 2013 1:46 pm 
retrobike rider / Gold Trader
retrobike rider / Gold Trader
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Joined: Tue Nov 03, 2009 2:43 pm
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Location: At the pinnacle of fuckwittery
Just tried elephant….......

£6200 tpft
£7100 comprehensive

Bugger... :(


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PostPosted: Wed Mar 06, 2013 1:48 pm 
Karma Queen / Cake Meisterin
Karma Queen / Cake Meisterin
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Joined: Thu Jul 27, 2006 10:02 pm
Posts: 6736
Location: North Yorkshire
GT-Steve wrote:
Just tried elephant….......

£6200 tpft
£7100 comprehensive

Bugger... :(


:shock: :shock: Bloody hell, can she not wait a year before she drives.

Alison


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PostPosted: Wed Mar 06, 2013 2:01 pm 
retrobike rider / Gold Trader
retrobike rider / Gold Trader
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Joined: Tue Nov 03, 2009 2:43 pm
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Location: At the pinnacle of fuckwittery
Her boyfriend lives like 40 miles away, so she's getting really impatient with the waiting. Plus she's looking at going full time at work - that will require more regular travel to-and-from..


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