Wanted BX14!

[Stinkwheel]

on a side note, does anyone know if I would be able to carry out a years NCB from riding my Mobylette on to a car? that could help considerably.
cheers,

You 'might' if you find the right company.

Ive used motorcycle NCB on a car before, some insurance companies seem happy to do it. But one thing is for sure, they wont do car NCB onto a bike policy.

[Matt H]

I had a BX 14 when I was 17 and I was paying about £1200 fully comp.

A year later I bought a BX 1.9 16v and got it insured for about £1500 (Although I was paying monthly, so it went up quite a bit.) I'm 19 now, and have just sold a Saab 9000 turbo I was smoking around in, and that cost about the same as the 16v.

Insurance companies will rip you off, that's life.

I wouldn't bother with Direct Line. They refused to insure me... and with any car, you must fit a Thatcham approved alarm/immobiliser before they will insure you for theft.

at my age every single cubic centimetre of capacity puts the insurance cost up.

Not so. What puts up your insurance is having a high-risk car. What you need to do is look at something obscure. The first car I ever owned had a 3.5L V8 engine and was cheaper to insure than a Metro. Reason? Every 17yr old with a metro at the time wrapped it around a lamp-post, and hence even though they were only a 1.0, were expensive to insure.

Funnily enough I thought this might be the case with Peugeot 406 V6s... sadly not

Saabs and Volvos are very cheap though... because they are extremely low-risk.

[jonathan_dyane]

I wouldn't bother with Direct Line. They refused to insure me... and with any car, you must fit a Thatcham approved alarm/immobiliser before they will insure you for theft.

How strange, I'm currently insured with Direct Liars TPF+T for my unalarmed and unimmobilised XM for a fairly reasonable price. I have got lots of no claims mind (touches wood lest something bad happen...)

[Tourist]

Ok I had a quick look on go compare for a manual 1.9 diesel estate BX and the cheapest quote came out at £3,021 with Endsleigh. Eek.

Do you live in a really bad area or something?

I paid £1800-ish insurance for my 1.9D ZX which I think is the same insurance group, before I had any no claims. That was with Endsleigh just after I passed my test.

Don't get an AX, they're the same if not more than BXs to insure, same with 205s I found.

[Searjeant]

You would think soudging by the quotes but I live right out in the countryside and I believe our post code is in the lowest banding of risk?!

I am going to go direct to some insurers and see what they offer soon, i hate comparison websites!!

and yeah, I dont really want an AX or 205 or anything, great cars im sure but I just love bigger things like the BX, far more interesting and more space (I am a musician so it will be important to be able to lug a fair amount of gear around)

ill let you know how i get on when i get round to trying some insurers,
Dan

[scarecrow]

I heard recently that if you include an older named driver with a good history on a young persons policy, it actually reduces the premium...

[Wooscary]

Hello

I'm 23, but only held license for three years, and pay £140 a month for my TZD. I do live in the car insurance black hole that is Hulme in central Manchester however, so it would be less if it was a "better" area. That's with two years NCB, but with a claim against me.

At the moment I'm hunting around for something cheaper, especially as my current provider sent me a letter the other day saying they are no longer offering insurance in the UK!

[Tim Leech]

I heard recently that if you include an older named driver with a good history on a young persons policy, it actually reduces the premium...

You called

[Simon B]

I heard recently that if you include an older named driver with a good history on a young persons policy, it actually reduces the premium...

Yes I believe that to be the case too. My work colleague found that with his son recently, perhaps because he still lived at home? I think it was Elephant/Admiral.

[Searjeant]

ok thats very helpful! thanks, I thought insurance comopanies were trying to close up loopholes like that so it maybe harder to come by cheaper quotes with that method by I shall give it a go as well.

[Wooscary]

I think it's only dodgy if you claim a more experienced person is the main driver. If they are only down as a named driver that's ok. But it doesn't always make a difference. For instance it doesn't cost me anything to have my dad on my policy, but it doesn't bring the cost down.

[MULLEY]

Limited mileage, garage, alarm/immobiliser, pass plus, oh & go to a specialist broker like Routen Chaplin etc..., these might get you a cheaper quote. Or the easiest solution would be to hold fire on a bx & get a pug 306 with the 1.4 engine, that'll be miles cheaper, run that for a couple of years to get your ncb up, then get a bx.

[Philip Chidlow]

My eldest daughter (17) as principle driver with me and the missus as named drivers on a car she owns (a 1999 1.2 litre Pug 206): £631 TPFT with Premium Choice Insurance. That's with a £250 excess and parking it on public road on a largely council estate in Chelmsford Essex (with a Krooklok )...

Doesn't seem too bad.

[Tourist]

I'm 23, but only held license for three years, and pay £140 a month for my TZD.

Sounds like you should stick to the buses! I'm paying less with 1 years ncb and my car's insurance group 9

[DavidRutherford]

£140 a month for my TZD.

Bloody hell.

I used to pay that per year.

There's no reason to pay that much for insurance at age 23.