J@mes Posted April 21, 2009 Share Posted April 21, 2009 I am 18, have pass plus, live in a B rated postcode and also put my retired mother on my policy and its £1312 per year 3rd party F+F on a R reg 1.8D fiesta van, to be fair i wrote off a 300tdi 130 in november (no other partys involved) but honest to god the extra £688 you pay is worth it just to be on the road in a landy.I am with the RAC as they give a sizeable discount for PP (they beat everyone else buy at least £200). How long did you spend on the phone ringing round? In the 4 hours i spent i went from over £5k to what i pay now. Will. (Also slightly miffed at being charged alot for being young) if you have already stacked a vehicle then you have no right to be miffed my friend! Young drivers stack cars and thats why young driver premiums are high. YOU are the proof! Quote Link to comment Share on other sites More sharing options...
muddy Posted April 21, 2009 Share Posted April 21, 2009 I fully realise that i am paying a higher price because i've already stacked one, but i did have to pay insurance before that! Us young folks have to do something wrong otherwise the oldies would have no one to pick on Will. Quote Link to comment Share on other sites More sharing options...
J@mes Posted April 21, 2009 Share Posted April 21, 2009 they knew you were going to stack one and charged you in advance Quote Link to comment Share on other sites More sharing options...
titan Posted April 21, 2009 Share Posted April 21, 2009 £1320 for the year fully comp on my 300 tdi discovrythe v8 is cheaper and that with the wife with out its about £1700 and wife is only a learner im 27 no NCB in the forces and have no accendents just a 30day ban and 8points just have to grit my teeth untill it comes down my own fault really Quote Link to comment Share on other sites More sharing options...
FridgeFreezer Posted April 21, 2009 Share Posted April 21, 2009 they knew you were going to stack one and charged you in advance I believe that is the definition of an insurance policy Quote Link to comment Share on other sites More sharing options...
new2defenders Posted April 27, 2009 Share Posted April 27, 2009 At the age of 18 I was paying £2000 for insurance on a RS Turbo Escort!!, So stop complaining!!! But it was a fun car. I wanted to drive it so I had to pay for it. Perhaps if you hadn`t "stacked one" ( I assume that means you had an accident and claimed on the insurance) then stop complaining and if you had not claimed on your insurance, then you wouldn`t be paying through the nose, would you. That is amazing?!! how did you get such a low insurance quote for that car? What insurance group is it anyway? Oh yeah i pay £2900 a year for my 2005 defender 90 and i also have to pay out the first £750 of any accident thats my fault... Woohoo! But then again, i have a landrover.... Worth every penny! Try fitting an insurance approved alarm, i'm installing a cat 1 Thatcham immobiliser and that'll bring the insurance down by £300! Someone also mentioned the named driver schwindle, i put my mum as the first driver as she's got 4 years no claims... and thats the kicker there, by being a named driver (unless your with bell direct, or the one with the red phone on wheels) you dont earn your own no claims bonus! Quote Link to comment Share on other sites More sharing options...
Retroanaconda Posted April 27, 2009 Share Posted April 27, 2009 I would be trying to earn my no-claims personally. It's the fastest way to get things to come down in price. Quote Link to comment Share on other sites More sharing options...
dirkthe1 Posted April 27, 2009 Share Posted April 27, 2009 i paid 1300 i think 2 years ago, i was 19 and had just passed on a 2.5 n/a! that was gaulling- i got 70 going down hill! its now 400 ish with a years no claims and im 21. the problem with named drivers is that unless its a wife or direct family it dosnt make a difference-which is annoying. theres also some insurance loophole where if you get caught speeding/pulled and charged on more then one occasion then they argue your main driver. and the no claims is more important-i believe direct line do no claims for drivers, and i know cis do it, but you have to then have a single policy to get it-if that makes sense. i think alot of it comes down to vehicle value-my 90 was worth 800, as opposed to a few grands worth of td5. and in crashes young people are usually blamed! sadly mate you'll just have to lump it- try getting a quote 3rd party, but seeing as your 6months through its not worth changing. courses wise, check what difference pass plus would make to your premium first-some dont accept it and it dosnt directly relate to a years no claims. and theres an advanced drivers course which did make a big difference to premiums. there was a company which did a crazy policy in which you paid a high policy for 6 months, then it counted as a years no claims-not sure who it was, but i wish id done it! at the end of the day, as much of a pain as it is, you can understand why it costs so much. i know at least 3 of my mates wrote off cars withing the first 6 months. the only solution is to not drive! roll on being 25-or get a girlfriend whos dad is a broker!! Quote Link to comment Share on other sites More sharing options...
landroversforever Posted April 27, 2009 Share Posted April 27, 2009 does being a member of the IAM do much for insurance premiums? Quote Link to comment Share on other sites More sharing options...
mike4444244 Posted April 27, 2009 Share Posted April 27, 2009 by far the biggest discount I got was after I got married! Now pay 300 per year fully comp on limited miles on a very modified 110, but its a good postcode, has a thatcham approved immobiliser, I'm 26 and have 3 years no claims on motorbikes, have always been a named driver up til now on the land rover though! When I first got it age 20 Sureterm quoted me unhappy at £5000 for TPFT to keep it outside my house in Liverpool! Quote Link to comment Share on other sites More sharing options...
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