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 Topic: YOUNG DRIVER CAR INSURANCE
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18/11/2023 at 11:20pm
Location: East Herts
Outfit: 1992 Elddis Wisp 450CT + X Trail
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Quote: Originally posted by Mrs. Bonce on 18/11/2023
Try £980, cheapest I can find Via Swift Cover/Axa for 2020 Santa Fe. Seems ridiculous, but we were with General Accident who wanted over £2,000.No idea why, no claims etc.
I agree those prices are ridiculous, but your car is worth a lot more than mine, as mine is a 2008 model, which is why the premiums are higher. I am convinced a lot of these insurance companies pick a price out of thin air and see if they can get away with it. That's why I always shop around and only ever accept my renewal quote if it is still the best deal.
A little while ago I was staying with the same company for a few years but recently I have switched nearly every time. The market seems to have got a lot more volatile. You only have to look at the comparison sites to see that. A few years back the AA was way down the list as being much too expensive, then suddenly they became the best deal for two years. Then their prices went up a large amount and someone else became the best deal. Last year I switched to 1st Central who were the best (not the cheapest) then this year my renewal quote was nearly double, so I switched again.
You would think that the same car would be rated broadly similarly with all the companies but that is far from being the case. How do they vary so enormously, it beats me! Why is one car a relatively low risk with one company but a high risk with another? Change the car and the opposite is the case.
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Best Regards,
Colin
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25/11/2023 at 11:51am
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Quote: Originally posted by Colin21 on 24/11/2023
Quote: Originally posted by Mick S. on 24/11/2023
Quote: Originally posted by BRYANMITCH on 18/11/2023
Hello everybody--any recommendations for a sensible car insurance quote for a young driver? A few details--its for my grandaughter ,aged 18 years and has been driving her own car for 10 months. The time has come to part company with her 1st car and a replacement is waiting for her-nothing exciting-just an astra 1.6 diesel. I have tried all the usual search engines but am getting quotes starting at £440 per month(£5000+ per year).Happy to have a black box fitted for now. This is fully comp insurance. Has anybody had a good experience in a similiar situation they can share? Thanks.
At 18, my kids had cars that weren't to a scrape or two; pretty much worthless, and TPFT only. In fact my daughter felled a lamp post with hers within a fortnight! I would say get a smaller engined car, reliable but of little value, and just get her the cheapest cover to build up her no-claims.
Sounds like a plan to me Mick, but it is a good idea to do a comparison between TPFT and comprehensive, as these days some insurance companies actually charge MORE for TPFT than for comprehensive. They regard people who only take out TPFT as being a higher risk. I know, crazy isn't it?
You're saying; less risk of paying out (no FC), is deemed a 'higher risk' to the insurers? How does that logic come about? It could be - and probably is, in many cases, pure financial constraints. And, if your car is low value, why would you ever make a claim for it!
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