Car insurance silly question?

[FruittheLoop]

Roughly how much is car insurance these days? Just looking for a ball park idea. I haven't owned a car for a decade as I live in London but looking to get a bog standard 1.0 new Ford Fiesta hybrid. However I'm hiring the car for only 3 months. The quote for fully comp insurance came back as £1600 for 3 months!!! Surely not? My license is 20 years old and no points.

Can anyone provide a general idea of their annual policy cost (assuming you are aged 30+ and you're not driving a Ferrari or have 9 points on your license)?

Thank you

You have zero no claims bonus.
You live in London.
A hybrid has more to go wrong than other cars.

Have you tried compare the market & direct line?

(My 21 year old's is ~£600, but she has 3 or 4 years of NCB and lives in a low crime area)

Mines £280 on a 2 litre smax, but I have max no claims bonus. Your issue is that you have none and you live in London.

You say you're hiring the car for 3 months - don't the hire company insure it?

It depends on many things...

Age
Sex
Postcode
Annual mileage
Make and model of car
Where it's parked overnight
NCB
Driving experience
Driving convictions
Occupation
Named drivers in the policy.

It is impossible to tell you 'how much insurance costs' because there are so many variables.

That quote was from someone who doesn't really want to insure you if you ask me.
Shop around.

There is no answer because it depends on so many factors.

I drive a 2 litre TDi 7 seater and pay £300 a year. But I live rurally, in a low car crime area, have a private car park, have 12 yrs no claims discount etc. My teenager looked at insurance for a tiny car (living at the same address) and was getting quotes of over £2k.

What other people pay is no help to you!

For info I am 42, driving since age 17, no convictions, 10,000 miles per annum, full NCB, protected NCB and drive a Golf R (300bhp so quite powerful) valued at £19,000. It's parked on the drive overnight and I have one named driver. I pay approx £280 a year.

Temporary insurance is always more expensive than a 12 month policy because the risk on short term cover is higher.
There is no point asking someone else for their "ball park figure" because insurance is a risk assessment based on the information you provide so their premium will be different to yours. Postcode, reg, no claims, occupation - it all matters.
As someone else has advised, run the details through a comparison website. It will tell you prices today which will change but it's more accurate than asking other people what their premium is.

My car insurance is about £250 per year, and I don't even have any NCB because I've just gone back to my own car from a company car again, but I'm probably a low risk driver, being over 40, cheap old car, modest mileage, only had one minor claim in 30 years of driving, middling area. Not central London but not remote island either.

It might be cheaper to buy a full year's policy from a standard insurer and cancel it after 3 months. Bear in mind that you won't get the full remaining premium back, but it should work out cheaper than £1600 for 3 months.

But if you're hiring a car, won't the hire car company insure it, or at least give you the option to do so? £1600 for 3 months insurance is about £18 per day, just for insurance. Even the rip off Spanish airport companies don't charge that.

Another option might be a standalone excess policy if the insurer's policy has a large excess. Check these are valid in the UK and not just abroad though.

Just trying to get quotes for a second car (Polo in insurance group 1). Haven't had insurance in my name for years but drive another car. Adding a learner driver.

Currently living in a rented house 1 mile away from our permanent home so that has complicated things a bit as there are questions about whether you own your home, where the car will be kept, your address etc and each insurer seems to vary slightly.

For our permanent home the lowest was just under £200, the same insurer quoted nearly £400 at the rental. I had several quotes around the £400 mark but there were lots going much higher.

I used Quidco Compare, Go Compare and Compare the Market to get a wide range of quotes, then tried a few individual insurers. Admiral and GoGirl came out lowest for me.

If it’s a hire car get one with insurance included!!!

Thanks for all the advice! The hire car company are only offering third party, which seems pretty standard unfortunately, so I'm looking for fully comp.

£400 a year for a 3.0l big German Estate, mid 30's, 12yr no claims, live in a villagey bit on the outskirts of a big town and park on the drive. I actually pay more for my cycle insurance than I do for my car but they do do new-for-old replacement.

When I was a new driver it was around £1k a year. My insurance went down when i changed from a 1.6 hatchback to a 3.0 Estate so I wonder if there is a weighting on how frequently involved in incidents a particular model is, so something popular with younger drivers is more to insure than what everyone calls my 'old man car' despite the latter being significantly more powerful and expensive.

Hire a car from somewhere else! Third party insurance is NOT standard for a hire car!