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Original poster

bloody car insurance!

24 replies

alexsmum · 08/04/2006 12:35

need desperately to pass my driving test and get mobile as am feeling so trapped.have persuaded dh that we need to buy me a banger to get about in.went to look at a car this morning a little atsra-perfect. just trying to get an idea of insurance and it's going to nearly £700!!!
the car is only costing £800!
There';s no way we can afford that. i feel like i'm never going to get anywhere at this rate.
if i don't have a car i won't be able to practice enough to pass my test- but i can't get a car cos the insurance is too high because i haven't passed my test!!!

OP posts:

JoolsToo · 08/04/2006 12:37

does your dh drive? I think if you insured it in his name and you were a named driver it would be cheaper - but I'm no expert so don't take my word for it!

Original poster

alexsmum · 08/04/2006 12:38

that's with him as named driver!!!!!

OP posts:

SomethingAboutMary · 08/04/2006 12:40

How old are you? seems extremley high have you shopped about?

JoolsToo · 08/04/2006 12:45

try the tips from \link{http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1092813037,41960,\moneysavingexpert} see if you can get it any cheaper following their guidelines.

Original poster

alexsmum · 08/04/2006 12:49

cheers jools will have a look at that website. i'm 33 and have had a provisional license since i was 18!
it's like a no win situation.

OP posts:

Freckle · 08/04/2006 12:53

Also try www.confused.com as they may be able to find a cheaper quote. Does your dh have any no claims bonus? If so, put him as the main driver with you as the named driver. I did this when insuring my car before dh passed his test. I was shocked at how little I to pay to add him to my insurance when, if he had been insuring in his own name, it would have cost a fortune.

Original poster

alexsmum · 08/04/2006 12:57

dh has no no claims bonus as he has been driving a company car for the last 10 years. What we have done is put him as the main driver and me as a named driver and this is what it's coming up with-for a 10y/o astra!

OP posts:

JoolsToo · 08/04/2006 13:03

confused.com is recommended on that link I sent you waterfalls

SomethingAboutMary · 08/04/2006 13:04

try this website...

moneysupermarket.com

NannyL · 08/04/2006 15:47

yes it is expensive.... but i think everyone has the same problem at some point.... just think next year it will be cheeper.

The point is you cost a lot to insure because you are a high risk and insurance companies need to cover the risk.

you may find a cheeper quote but dont expect it to be hundreds of pounds cheeper or anything!

charliecat · 08/04/2006 16:06

my dps insurance went from 200 to 220 to put me, learner driver on driving an N reg little polo.

BadHair · 08/04/2006 16:23

Older cars are often more expensive to insure as their security is not as good as newer ones.

Original poster

alexsmum · 08/04/2006 17:55

i understand all that nannyme.however i still think i have a right to be pissed off as it's the difference between me having a car and not having one. Do you think that if i can only afford to spend £800 on a car that i can then afford to spend £700 on insurance?

OP posts:

katieww · 08/04/2006 18:01

Could you manage with a smaller car? I used to have an old Renault Clio which was cheap to insure.... What is the engine size of the Astra?

GarfieldsGirl · 08/04/2006 18:11

Have you though about getting a slightly older car. You could probably pick up a reasonably decent J-reg escort or something for about £300-£400, then it doesn't matter if you're only insured 3rd party because your excess is going to be more than the cars worth if you damage it.

Prufrock · 08/04/2006 18:20

Definately try for 3rd party on a car at that price - you will have a huge excess anyway, and do call every company you can -I had a huge range of quotes to insure me, a learner, on a policy in dh's name with me as named driver. Finally ended up with Tesco. And I hate to bear bad news but you will find that your insurance stays high until 1 year after you have passed your test, which is when you stop being a high risk driver.

heavenis · 08/04/2006 18:32

I would go for as cheaper car as poss insure it third party or third party fire and theft. On the third part put your dh as main driver.

Original poster

alexsmum · 08/04/2006 20:12

the 'quote me happy' people just quoted me £1111!!! for 3rd part f/t!!!!! there's just no way! that's for a p reg . it's a 1.6 eng.

we are going to have to forget about this car and keep trying.

OP posts:

Original poster

alexsmum · 08/04/2006 20:13

prufrock can i ask what kind of quote you got off tesco?

OP posts:

Prufrock · 08/04/2006 22:33

I pay £400 a year fully comp for a 3 year old Peugeot 307 that cost about £11,000. DH had about 3 or 4 years no claims. The excess for me driving is £400, for DH £150 I think. We do live in a very "safe" area as well.

Rowlers · 08/04/2006 23:10

Shop around.
My renewal from Zurich was £660.
Churchil's offering £350
Try a few online.
Try higher excess as with £800 car, you are unlikely to claim to be honest if car is damaged.
It doesn't take much damage to write a car off at that price.
Also, forfeit the courtesy car etc, reduce the number of miles you will do each year - it all brings it down.

Darciesmum · 09/04/2006 10:50

Alexmum i work for an insurance company, and its probably high because of the type of vehicle and its engine size, as you haven't passed your test i'd recommend a smaller car (smaller engine).

Does your husband still drive a company car, if not he could be the policy holder have you as the named driver and still use the No claims Bonus.

charliecat · 09/04/2006 10:56

think you need to go for a smaller engined car.

pandagirl03 · 11/04/2006 09:59

hello,

i think the insurance is high because the car you want to insure is a 1.6. i think maybe you should get a 1.0 or 1.2. Also you say your dh has no claims because he has been driving company cars, if you tell some insurance companys this and get a letter from dh works to say he hasn't had any accidents they accept this as no claims. hope this helps

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