Cheap insurance for young person

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rangebyte
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Cheap insurance for young person

Post by rangebyte »

Gettin quotes for BX's...can anyone help me find cheaper.

ive used price comparison sites but its still coming in at 960 for a 14 and 1200 for a 16 or 19td.

I am 18 with a full licence and pass plus.

Chris
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Matt H
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Post by Matt H »

That sounds about right to me... I couldn't get anything less than £1100 for My BX 14 when I was 17.

Down to about £800 this year, but I switched to driving an AX diesel, then a BX 16v... which is quite a bit more as I'm sure you can imagine.

I didn't do Pass Plus mind...
Tourist
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Re: Cheap insurance for young person

Post by Tourist »

Those quotes sound about right, maybe even a little cheaper than I'd expect. Pass Plus didn't seem to make a difference for me so I didn't bother with it.

When I started driving (a full 10 months or so ago) my insurance was about £1800 for a ZX diesel, which has the same 1.9 diesel as the BX. Now, with almost a year under my belt insurance has gone down about %30-%40, with no claims (fingers crossed) it'll be about HALF what it was for the first year!

I remember in your wanted thread, I told you about Endsleigh. They give discounts for students, so if you are one, they should be a fair bit cheaper than anyone else.

From what I've heard NFU Mutual are the way to go, much cheaper! My friend has a series III Land Rover, he was quoted £2k on comparison sites but he's now insured with NFU for about £750, and I believe it's fully comp aswell.

If NFU aren't an option, as they aren't with me, then I found Money Supermarket was the best comparison site, the Tesco one also works.

It's really a case of accepting that you'll be legally ripped off for the first few years, until you start building your no claims.
mountainmanUK

Post by mountainmanUK »

From what I've heard NFU Mutual are the way to go, much cheaper
I've been with NFU for about 12 years now, and every year I still do a bit of comparison checking, but NFU still come out as best for me by a mile! :D ( I pay £134 a year for fully comp!)

Also James, you are rapidly approaching your 1st Anniversary of insurance, so hopefully your no-claims bonus will start to apply! That should make a significant saving on your premiums, whoever you decide on. :wink:

I know that if I restrict my mileage, I could probably get a cheaper "Classic Car" insurance, but Monica is a daily driver, and I also have cover for business use included. If I decide to put Monica into semi-retirement at some stage in the future, I would probably go down the "Classic" route, but until then I am perfectly happy to keep renewing my annual NFU Cover!
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DavidRutherford
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Re: Cheap insurance for young person

Post by DavidRutherford »

Tourist wrote:From what I've heard NFU Mutual are the way to go, much cheaper! My friend has a series III Land Rover, he was quoted £2k on comparison sites but he's now insured with NFU for about £750, and I believe it's fully comp aswell.
NFU can be very competitive for things like Land-Rovers, but often not for normal cars. After all, they are based around farmers, and farmers often drive land-rovers and the like.

I'm also quite impressed by any teenager being able to get insurance for under £1000 these days. I've heard of figures as high as £2500 even for small cars, just because of postcode and/or expected use. It may be seen as a rip-off by you at the moment, but when you consider that 17-21yo male drivers are without doubt the largest risk driver out there, then there's no surprise that they pay the most.

Given a couple of years experience and no-claims bonus, you then prove that you're not a stereotypical teenage idiot who is going to "give it billy big bollocks" everywhere, and hence crash into a tree/another car/a load of innocent pedestrians. Once you've proved this, your insurance then becomes sensible. By the time I was 21, my insurance was a fifth of what it had been when I started driving.
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retrodriver
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Post by retrodriver »

Thats not so bad, my 1st premium was £1250 on a 1.1 Fiesta and when I was learning on my Mums Alfa Romeo 147 I think they had to pay about £2k!
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Post by Tourist »

I appreciate that NFU may well be more competitive with agricultural vehicles, however I do know of someone who's 18-19, they've held a license for about a year and they have 1 years no claims; they're insured on a late Peugeot 306 HDI (2 litre) for £400 or so fully comp. That sounds very competitive to me, now consider a car like the BX which is far less mainstream and probably the last thing to attract boy racer types, and I think you're on to a winner :wink:

I can't get quotes myself, but I'd put money on NFU being a better deal than many other insurers.
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Post by DavidRutherford »

Tourist wrote:a late Peugeot 306 HDI (2 litre)
Something else I've noticed when it comes to insurance:

Peugeot 306's are a bit of an oddball. I've never quite understood why, but they are remarkably cheap to insure. The groupings they were given when new were significantly lower than equivalent size'd cars (both car and engine) at the time. Even when compared to something like a Xsara or ZX, which is essentially the same car.

Worthwhile bearing in mind if you're looking for very cheap insurance... get a quote on a 306.
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jonathan_dyane
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Post by jonathan_dyane »

Good point; a 306 XRD is group 4, and my friend when he'd passed his test got a better quote on the 306 than a 1.0 AX! I know which I'd rather be driving, and it wouldn't be wearing chevrons...
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Post by Way2go »

Tourist wrote:
I can't get quotes myself
Puzzling statement! :? Why ever not? :?:
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Post by Tourist »

If you're under 25 you can't get quoted or insured with them unless one or both or your parents are, and you're living in the same house ... a bit odd but it does stop just anyone from going with them, I suppose that's how they can afford to be a little bit cheaper.
jacksun1987
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same here

Post by jacksun1987 »

ill love to have a bx past on october im 22 08 ive got a ranalut clio 1.9 d on a p plate thats 1300 a year 3rd party fire and thaft but when i tell them a differnt car they say it nearly the same im with kick fit the cheapest it say at the time
PAUL JACKSON
1991 h reg 1.7tzd hatch in black 159.000 miles had
1992 k reg 1.7 txd hatch in red 179. 000 miles had
Renaul laguna exspessin 02 plate 1.8 16v 75 k had
cosa 1.2 brezze 150 k had
406 glx 1.9 td 170k s reg white got
kiwi
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Post by kiwi »

Move to New Zealand where insurance is not compulsory :shock: and licences at 15. :shock:

Which explains why you often hear of a teenager wrapping a high performance car around a power pole.

To think my first car was an 1975 Austin Allegro 1500cc 22 years ago and it cost me $259 Third Party Fire and theft. Location Location Location also helps to reduce premiums.
1991 BX19 TZS 04/01/91 (Deceased)
1990 BX19 TRS 27/10/89 (Reborn)
1992 BX19 TXD (Ex UK - K 744 SDF) 15/06/92
1990 BX19 TZS Auto 06/11/1989
1992 BX TZD Turbo Estate (Ex UK) 1/07/91
jacksun1987
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hi im new here spilling my be a bit shit lol

Post by jacksun1987 »

i didnt know that bxs where in new zealand and austrailla
PAUL JACKSON
1991 h reg 1.7tzd hatch in black 159.000 miles had
1992 k reg 1.7 txd hatch in red 179. 000 miles had
Renaul laguna exspessin 02 plate 1.8 16v 75 k had
cosa 1.2 brezze 150 k had
406 glx 1.9 td 170k s reg white got
kiwi
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Post by kiwi »

:shock: :roll: :lol:

There are also skifields in New Zealand and Australia and it snows :wink:

You better check out www.aussiefrogs.com :wink:
1991 BX19 TZS 04/01/91 (Deceased)
1990 BX19 TRS 27/10/89 (Reborn)
1992 BX19 TXD (Ex UK - K 744 SDF) 15/06/92
1990 BX19 TZS Auto 06/11/1989
1992 BX TZD Turbo Estate (Ex UK) 1/07/91
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