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Original poster

Been in tears this morning -car insurance - how much?!

100 replies

TotorosOcarina · 30/01/2011 11:20

DH is 25, taking last lessons, plans to take test sn.

We have 3 DC and 1 on the way.

Are looking at a 2nd hand grand scenic.

We have saved up to buy the are (about 3,000 for car)

this is a huge amount for us, we have extra for tax, insurance etc,

BUT after doing lessons, saving for car ect... we have only just looked into insurannce.

On 'go compare' the cheapest insurance is £6200 PA!!

We can't afford even half of that.

I can't believe it, we've been saving and I've been dreaming of having a car for so long, im just devestated :(

Hes a 25 year old man with 4 kids, buying a family car

not some 17 year old nobby buying some modified race car!!

Should we just give up now?!

OP posts:
mjloveswineoclock · 30/01/2011 13:19

This reply has been deleted

Message withdrawn

Original poster
TotorosOcarina · 30/01/2011 13:21

I'm not going to drive, I've never planned to, ever!

OP posts:
TheCowardlyLion · 30/01/2011 13:25

Yes, fronting invalidates the insurance, so even if you got away with it initially, your claim would be rejected in the case of an accident.

More here

BaggedandTagged · 30/01/2011 13:26

"insurance for a teenage boy, is nearly double that for a teenage girl, i dont know why"

Because teenage boys write off far more cars than teenage girls- they are involved in more accidents, and when they are, the accidents are more serious. They are more likely to speed and drink-drive.

All insurance is based on probability so they take your profile and compare you to accident statistics using age, gender, occupation etc. Then they factor in personal details such as no claims.

TheCowardlyLion · 30/01/2011 13:27

More on fronting but also offers tips on how to cut insurance costs legally.

got2bequackers · 30/01/2011 13:40

Fill your details into every Compare site you can think of. 1 found a price less than half of the others. Good luck

PaisleyLeaf · 30/01/2011 13:48

I've pointed out the multimac a couple of times on here. Only because they look interesting - I can't actually vouch for them I've never seen one in RL.
But they have a 4 seat car-seat. You could maybe get an estate car so the dogs can got in the back.
The multimacs look pricey. But I think I'd rather that than pay to run a massive car.

30andMerkin · 30/01/2011 13:55

Think about every single piece of information you're entering on the form, and phone up companies to check what the other options are.

For example, you might not be married but 'common law spouse' is often an option when it comes to insurance.

Where would the car be parked? Can you make it safer (gates on drive etc)?

What job is your DH down as doing? That will make a massive difference. Anything clerical or office based usually cheaper than anything that implies trades/sales. You don't have to lie, just think about the most boring, risk-free bit of the job he does!

Would you consider getting 3rd party fire and theft? If he can manage a few years without any problems then fully comp will come down in price.

QueenLaQueefer · 30/01/2011 18:29

Even if you don't intend to drive, put yourself as a (learner) driver.

DilysPrice · 30/01/2011 20:05

I think Queen's idea about putting yourself on is worth trying out - it's not a lie (unless you've gone blind or something since you were 17) because you might have a change of circumstances and need to start learning. If it doesn't make the quote cheaper then obviously don't do it.

Original poster
TotorosOcarina · 30/01/2011 22:08

hiya

have got it down to £2,300 with fiat multipla 1.5, with that company that puts the little box thing in the car

am going to ring them tomorrow.

Added £200 if i were on there so that didn't work.

OP posts:
angelagray · 30/01/2011 23:57

I would suggest you not only try a broker but a specialist one

Quinn if memory serves me caters for young rivers, do a search on the net for others

TheSecondComing · 31/01/2011 00:05

This reply has been deleted

Message withdrawn at poster's request.

itsybitsy08 · 31/01/2011 00:24

Do you live near your or your DHs parents?

I am the main driver on my insurance, but also have my dad as a named driver and that makes my insurance cheaper by around £400.

I am 23 and only passed in october last year - i am with quinn insurance and just got my renewal for just over £600.

The cheapest quotes i was getting online were around 2.5/3 grandish.

PorphyPixie · 31/01/2011 00:33

When I tried gocompare mine came up at over £1400 to pay all at once, whilst comparethemarket was £800.

PorphyPixie · 31/01/2011 00:39

Oh! And security measures influence the cost, and location! Mine went up when I put in the address I was temporarily living in so I kept it based at my home address, and went down by a good £50/60 normally when I added that I had an immobiliser! I'm the main driver with no named drivers on my car though.

I'm 21 (female!) with a small peugeot 106 :)

bubbles4 · 31/01/2011 05:56

Try ecar,they were the cheapest by far when ds first passed his test.

Original poster
TotorosOcarina · 31/01/2011 09:39

ecar are £8,500

OP posts:
thekidsmom · 31/01/2011 09:40

Hi upahill - I wasnt suggesting telling them sonething that's untrue! I was only thinking that if the OP is the main driver of the kids - which I am in our house for example - that might be the way to go...

You do have to be careful of the same thing with teenage drivers, too, I know - insuring in Dad's name when the teenager drives it most is a no-no, as you say....

darleneconnor · 31/01/2011 10:18

You say he's driven a 7 seater before but has he had lots of practice driving in one with 4 kids screaming and fighting in the back?

Children are a BIG distraction in the car and if I had just got my licence I wouldn't drive with that many of them in the car. The reason the quotes are so high is because he has a very high chance of being in an accident. Have you thought about how you/he would feel if something happened to your DCs in a crash?

For the first year or 2 could you just get a small car (which would still fit 5 of you) for him to practice in? If you have 4 then surely some are in school/nursery? Could you not use the car for shopping then? Leave the baby with GPs/sitter while taking the others on a day trip at the weekend?

Original poster
TotorosOcarina · 31/01/2011 10:25

Are you for real?!

Sorry but think thats totally a crap thing to say,

OP posts:
Original poster
TotorosOcarina · 31/01/2011 10:30

sorry but im really stressed at the minute

and my husband is a really careful persona nd to suggest we are very likely to have an accident is pretty sick, imo.

loads of dickhead teens pass their tests and drive on mobiles, on drugs, music blaring etc... irresponsibly.

we will use the car during the week for shopping and eventually for some short day trips out.

hes not gonna pass his test and take us for a speeding jolly on the motorway

why are people so down?

we are just trying to do something that 90% of families do :(

OP posts:
Original poster
TotorosOcarina · 31/01/2011 10:34

"Have you thought about how you/he would feel if something happened to your DCs in a crash?"

has everyone?

even the carefullest driver can have a drunken driver plough into them.

Maybe no one should drive with kids in.

OP posts:
LadyBiscuit · 31/01/2011 10:41

Poor you - I'm sympathetic. What a shame no one told you about the cost of car insurance before :(

I'm sure your DH will be fine driving with all the kids in the car - it's probably more of a shock to the system to have driven for years without them like I have. It's a good idea for him to have a bit of a practice on his own every now and then :)

lucykate · 31/01/2011 10:45

i think buying a smaller car for the first few years would be false economy. it would not retain any value and would eat into your budget for a larger car. answer is to just keep shopping around for insurance, try tesco, aviva.

they need a larger car, family size is not going to decrease, they have 4 dc's who are going to grow. one of the first cars i drove was a mercedes estate, that's huge!

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