Minion 132 Report post Posted October 20, 2016 Hi Everyone My least favourite time of year is shortly approaching so time to do some research into insurance companies. The problem for me is I am only 20 but I do have 3 years no claims and also have been driving this car for just over 2 years. Does anyone have any companies/brokers/websites that it would be worth trying to get as cheap quote as possible? Also does anyone have any tips to try and get it a bit cheaper for example putting parents on policy etc Thanks Jake Share this post Link to post Share on other sites
AJ124 118 Report post Posted October 20, 2016 I got mine at 23 and used sheilaswheels, 6 years ncb with my dad on the policy was just over £350. One of the big UK underwriters won't insure under 25's on the car at all, including some of the "specialists". Good luck. Share this post Link to post Share on other sites
Minion 132 Report post Posted October 20, 2016 I know that's the problem I am currently dealing with and it kills me to think that with the money from my previous two years insurance I could have got a Turbo Share this post Link to post Share on other sites
Merich22 10 Report post Posted October 20, 2016 Im with direct line and I'm 21. I got mines cheaper because I got my mum to also change to direct line and got the multicar policy! Share this post Link to post Share on other sites
Minion 132 Report post Posted October 20, 2016 16 minutes ago, Merich22 said: Im with direct line and I'm 21. I got mines cheaper because I got my mum to also change to direct line and got the multicar policy! I did try and get a quote on there website and they declined me due to my age I'm guessing Share this post Link to post Share on other sites
Merich22 10 Report post Posted October 20, 2016 Just now, Minion said: I did try and get a quote on there website and they declined me due to my age I'm guessing I think they may be 21 and older, now that I think about it. I was with Admiral before, have you tried them? Share this post Link to post Share on other sites
TTR 509 Report post Posted October 20, 2016 1 hour ago, Minion said: Hi Everyone My least favourite time of year is shortly approaching so time to do some research into insurance companies. The problem for me is I am only 20 but I do have 3 years no claims and also have been driving this car for just over 2 years. Does anyone have any companies/brokers/websites that it would be worth trying to get as cheap quote as possible? Also does anyone have any tips to try and get it a bit cheaper for example putting parents on policy etc Thanks Jake I know this feel, my BRZ was £850 to insure when I first got it. I was 19 and I only had 1 month of driving experience. Now 20, with 1 year of driving experience and 1 year no claims i've been getting quotes from £1300-£2500! Ridiculous! I'm yet to try Flux, once I do I'll let you know how I got on. Share this post Link to post Share on other sites
rob275 1817 Report post Posted October 20, 2016 @TTR are you really complaining about that? When I was 19 I was paying £2k for a fiesta. 2 ARC and Kirsty80 reacted to this Share this post Link to post Share on other sites
Varelco 211 Report post Posted October 20, 2016 Your best options are the likes of the Admiral/Elephant groups and Sheilas wheels, experiment with adding and removing parents if you still live at home. You will have to bare in mind insurance prices have gone up again this year though. Share this post Link to post Share on other sites
TTR 509 Report post Posted October 20, 2016 35 minutes ago, rob275 said: @TTR are you really complaining about that? When I was 19 I was paying £2k for a fiesta. I'm complaining about it because it was £850 to insure when I had eff all driving experience and no NCB. But now I have a years driving experience and NCB, the price has gone up considerably when I believed it was safe to assume that it either stay at the same price or get cheaper. Share this post Link to post Share on other sites
Minion 132 Report post Posted October 20, 2016 55 minutes ago, TTR said: I know this feel, my BRZ was £850 to insure when I first got it. I was 19 and I only had 1 month of driving experience. Now 20, with 1 year of driving experience and 1 year no claims i've been getting quotes from £1300-£2500! Ridiculous! I'm yet to try Flux, once I do I'll let you know how I got on. Wow that sucks!! I paid £2000 in my first year with zero mods and I was 18 with 1yr no claims and each year its get cheaper but very slightly! I am currently insured through Elephant which have given me the best prices for the previous two years but just incase they don't offer me a great price again I'm trying to find another option as a back up. Will give flux a ring as see what price they can do for me soon Share this post Link to post Share on other sites
TTR 509 Report post Posted October 21, 2016 On 10/20/2016 at 1:25 PM, Minion said: Wow that sucks!! I paid £2000 in my first year with zero mods and I was 18 with 1yr no claims and each year its get cheaper but very slightly! I am currently insured through Elephant which have given me the best prices for the previous two years but just incase they don't offer me a great price again I'm trying to find another option as a back up. Will give flux a ring as see what price they can do for me soon Flux couldn't quote me, no idea why. So that's all the club insurers out for me Share this post Link to post Share on other sites
Keethos 842 Report post Posted October 21, 2016 You tried Greenlight? 1 Minion reacted to this Share this post Link to post Share on other sites
TTR 509 Report post Posted October 21, 2016 3 minutes ago, Keethos said: You tried Greenlight? Haven't had my license for 3 years, otherwise they would've been my first port of call! Share this post Link to post Share on other sites
BajanSlim 3 Report post Posted October 21, 2016 I wish mine was £850.... I paid £1750 and i am 26!!! this is due to my no claims from Barbados not being honored. I am hoping it will drastically drop next year... Share this post Link to post Share on other sites
nerdstrike 186 Report post Posted October 21, 2016 I feel sorry for you 18-20 year olds, but then I recall that I drove my mum's Fiat Cinquecento at your age, and found the 30 bhp rather limiting! Share this post Link to post Share on other sites
TTR 509 Report post Posted October 21, 2016 So, I really don't understand how insurance premiums are calculated. Audi RS6 Performance 605hp - Insurance group 50 - £3000 to insure Supercharged BRZ 280hp - Insurance group 30 - £9700 to insure Que? Share this post Link to post Share on other sites
Paul 442 Report post Posted October 21, 2016 On 20/10/2016 at 11:34 AM, Minion said: I know that's the problem I am currently dealing with and it kills me to think that with the money from my previous two years insurance I could have got a Turbo And how would you have insured it? Share this post Link to post Share on other sites
Minion 132 Report post Posted October 24, 2016 On 21/10/2016 at 6:24 PM, Paul said: And how would you have insured it? That's a very valid point I would have to had to just leave it on my drive and sit in it with the occasionally start up and rev to hear that I have a turbo Share this post Link to post Share on other sites
DAN@ADRIAN FLUX 12 Report post Posted October 26, 2016 Hi, Please feel free to give us a try for insurance if you like. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back. Regards, Dan. 1 Minion reacted to this Share this post Link to post Share on other sites
S18 RSG 429 Report post Posted November 2, 2016 As this is the most recent insurance topic, just wanted to give a quick vote towards Greenlight. I got a quote from them today in preparation for the TD turbo kit, plus all my other mods (suspension, wheels, exhaust etc.), and it came back at £650. I'm 25 with 7 years NCB, which I'm sure helps, and the car is kept in a CCTV monitored, locked garage all night. I would also say, the guy I spoke to onthe phone was extremely helpful. Looking for ways to help me save money by giving accurate mileage, asking about track driving etc. and sounded like a real car guy himself. Looks like I'll be going with them when my time comes in a few weeks. 2 Keethos and TTR reacted to this Share this post Link to post Share on other sites
TTR 509 Report post Posted November 2, 2016 1 hour ago, S18 RSG said: As this is the most recent insurance topic, just wanted to give a quick vote towards Greenlight. I got a quote from them today in preparation for the TD turbo kit, plus all my other mods (suspension, wheels, exhaust etc.), and it came back at £650. I'm 25 with 7 years NCB, which I'm sure helps, and the car is kept in a CCTV monitored, locked garage all night. I would also say, the guy I spoke to onthe phone was extremely helpful. Looking for ways to help me save money by giving accurate mileage, asking about track driving etc. and sounded like a real car guy himself. Looks like I'll be going with them when my time comes in a few weeks. I've heard so many good things about Greenlight, once I meet their criteria they're my first port of call! 1 Rich reacted to this Share this post Link to post Share on other sites
un1eash 9 Report post Posted November 2, 2016 My insurance with Admiral is more expensive if I say the cars kept in a garage over night. Share this post Link to post Share on other sites
Mike 458 Report post Posted November 2, 2016 1 hour ago, un1eash said: My insurance with Admiral is more expensive if I say the cars kept in a garage over night. Heard similar before, same with on drive vs on road parking. If they have a bunch of claims from people reversing into gate posts or the garage (how?!) then they'll bump the premium up for those parking on a drive / in a garage. Share this post Link to post Share on other sites
Squadrone Rosso 82 Report post Posted November 2, 2016 As an older owner, I can remember paying £762 fully comp on a brand new Ford Fiesta XR2 in 1988 (I was 18). I wonder what that is in today's money?? Edit. £1428.50! Share this post Link to post Share on other sites
