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?

Very normal. In 2010 when I was 18 I paid about £1100. Even last year aged 25 I paid £54 a month. I've got six years no claims now aged 26 and am paying £34 a month, for a nice drop between last year and this despite the fact I was 25.5 years old last time it renewed!

DH and I are both fully insured on both cars yerbutnobut - not 3rd party only.

I passed my test at 25, shared one car with DH for a few years so he was main driver (not fronting, he genuinely drove more) and our policy only went up by under £100. 4 years on, no claims made, I get my own car and insurance is £350ish.

DH paid £1800 at 26 for his first year, driving a 1.0!
I passed recently at 28, it hasn't cost a penny more to add me as a driver on our 1.6

Sounds cheap to me, sorry.

That's very cheap for a new driver. I paid around £2k if I remember

Yep sounds good! I paid £800 when I first passed on a 1.3 12 years ago.

I've just bought a new car with a slightly bigger engine than my last one and it's gone up by £160 for the rest of the year (March)

My Dd passed at the beginning of June and is paying £1300 and she is 25.

I have just moved back to the Uk and started a new policy, my max NCD was not transferable from Overseas and despite me being 47 with 39 years driving experience with no accidents I am paying £600.

I'd snap that quote up OP

30 years - I was not driving when I was 8

Yep, sorry that's actually pretty cheap in my opinion. I passed last year at 36 and my first year was £1200. Renewal earlier this year was about £1000, further reduced by nearly £300 when I moved county recently.

It does go down but I'd expect to pay at least 1K as a new driver, no matter what age.

I paid £500 a year when I passed in 2012 aged 19 on a peugeot 206. I now have 8 years no claims and pay £600 a year for two cars on Admiral multi-car for me and my husband (one car a mitsubishi crossover asx is £230 and the second a mini countryman cooper s is £370)

@yerbutnobut it’s not about breaching policy terms, it’s known as ‘fronting’ and it’s illegal (insurance fraud).

I'm 27, passed my test 8 years ago and I'm still paying nearly £500. I have 9 years no claims as I started building them on my own policy as a learner.

No points, no fines, no accidents.

Insurance is just getting more and more expensive, and £800 sounds pretty good as a newly qualified driver.

I'm 29 and passed last year. First years insurance was £400 with an additional driver (clean license, 10 years experience) but as my car is 13 years old I only got third party/fire/theft cover.

And I'm with Aviva. It was the cheapest quote by several hundred pounds!

My partner has been driving for 9 years, no claims for 8, and his insurance was 850 with everything included

Sounds like a good deal to me

Pinklady11, the word 'fronting' escaped my mind so breaching was all I had, I'm sure others still managed to catch my drift, chill!!

I think that's good, I passed at 33 recently and paid just under 1k with a black box from memory, second year of driving £800 with no black box

Sounds about right to me, I'm 32 and in my first year driving. With a black box I'm around £900 for the year IIRC. It's not cheap, but it's well worth the independence driving will give you.

That’s about standard OP. On the cheaper side if anything. Mine is £600 per year and i’ve been driving 20 years and have a decade of no claims (I drive a powerful car and do a lot of miles though).

That is really cheap for the first year of driving

I think that sounds very reasonable. I'm 42 and have 9+ years no claims and my insurance of a 13 year old car is 700.

DP is a named driver on my insurance, he only passed his test a few months ago and it’s significantly less than it would have been for his own policy. Is this an option for you? Either on a partner or parent’s policy?

Tbf £800 isn’t too bad but I wouldn’t want a box.

DH is 38, has had his license 12 years, has 11 years ncb, no driving offences and drives a car worth under £1k and pays over £800 year. For us it's likely to be the postcode. Car insurance can be expensive.

@yerbutnobut additional drivers on a policy drive under the same terms, if it's a fully comp policy additional drivers drive fully comp as well. It's if a main driver drives another car using their 'driving other car benefits' that it would be third party only

I add my ex as a named driver (who is older than me, does a boring job, lives in a boring place and has an enormous NCD), it's a legitimate add as he drives my car when he comes up to London and doesn't want to use his enormous work van up here. It does take off quite a bit from my (admittedly already quite low) quotes.