AIBU to think >£800 is a crazy car insurance quote for a new driver??

[Badbird]

Hi all,

I am a newly qualified driver over the age of 25. I expected insurance to be expensive but I'm being quoted online between £818 (with a tracker box) to well over £1000! I would understand if I were 17-18 or even under 25, is this really normal? Should I phone some of these companies and try to haggle it down or is that not done?

No that is pretty standard, sorry! I found Admiral were cheapest when I was in that situation but it was around the £800 mark

I was 25 when I passed and paid £2000 with a tracker for the first year. Came down to £800 without a tracker in the second year though.

If you call you may be able to get some discount, it's always worth asking they can often throw in things like roadside assistance to make it a bit less painful

Sounds pretty standard, depending on the car you're insuring. Personally I would spend the extra money not to have a tracker box, as I've known a few people have issues (penalised for having to do emergency stops for reasons beyond their control etc)

Very normal! I was £1100 8 years ago and I was 23. I was still £700+ at 25/26/27.

Actually think that is pretty good. I know new drivers who have been charged over 2000 pounds for the first years insurance. And they weren't kids either. Suck it up for the first year and it might come down a bit.

Seems pretty reasonable to me especially as you’re a new driver

It's quite normal and fairly reasonable IMO, as an expected safe driver I enjoy low premiums and don't want to be subsidising new drivers.
If you don't claim it will come down really quickly, you just need to bite the bullet for years one and two.
Well done on passing your test

New drivers of any age are more likely to claim. That's actually pretty good (depending on car and postcode).

I haven't passed my test yet but have an idea on cost when I do. I'm over 25 and have been quoted around £800.

MSE always has useful advice. Try reading this for tips:

www.moneysavingexpert.com/car-insurance/young-drivers/

What's a tracker box, do they actually track your driving?

Thought it sounded very reasonable!

Lots of other factors come into play when they are working out car insurance, your postcode, the type and capacity of the car,where the car will be kept, etc but having said that unfortunately new drivers are statistically more likely to claim. You will have to suck it up for a few years unless you can find a way to be a named driver eligible to start earning some no claims kudos, or drive a smaller car, or as one insurance company helpfully told me "move!" (Thanks Saga, that is why I ceremoniously rip every communication you send me about house/car/travel insurance into teeny tiny pieces, you will never see a penny of my money).

even drivers with full no claims status can get stung for eye watering insurance btw, you should see some of the quotes that come up when I do my renewal checks.

Other things to try are to increase your excess, take off windscreen cover and legal cover, reduce your mileage estimates. You never know, it might help.

Yes it's pretty standard unfortunately. You can double it for drivers under 25. The first year is much, much higher than subsequent years.

Sounds pretty standard I’m afraid. Try adding on a second driver, who is older with a clean license. That might bring it down a bit, and they don’t actually need to ever drive the car.

You could even try third party only, but that is risky for a new driver.

I think that's actually quite cheap.
It might come down a little if you get a more experienced driver who lives at your address to be an additional driver on the claim (you still need to be the main driver).

i paid £1200 i know others that were over £2000.

mine is now £800 with no year’s free claim bonus. i’m happy

You could even try third party only

Bizarrely enough, I’ve never found this any cheaper, only more expensive!

We bought car insurance for our 17 year old son from Aviva, the quote being so much cheaper than other companies, we couldn't quite believe it. They offered us a 9 month policy for our son & allowed him to build a no claims bonus on this policy. That was about 7 years ago, don't know what the position is these days. Worth enquiring.

That's pretty cheap. We've just had dd1 pass her test. Our current insurance quoted £1000 for the rest of the year before we renew-that's 5 months.
We've changed companies and have a black box fitted, and we're paying about the same as you.

I paid £1100 to add my daughter to my insurance for a Toyota Aygo. It went down significantly in subsequent years.

@19lottie82 that’s because 3rd party can present a higher moral risk I.e. people who are more reckless with their vehicles / insurance needs. So once that’s factored into the rating it often ends up higher.

Can you have a parent as the main driver and then have you as a named ?