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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:

Original poster

TotorosOcarina · 31/01/2011 10:51

i think were going with a 2,000 multipla with 2,300 insurance

according to changing the details then after a year it will drop by 1500!

so hopefully it will just be the first year

and we've saved it up and this is the only time we have 2000 upfront to pay for such a big insurance so may as well go for it.

OP posts:

mylifewithstrangers · 31/01/2011 10:53

Sounds like a very sensible plan. What a horrible shock you had to start off with though.

Best of luck with the new baby too!!

lucykate · 31/01/2011 11:07

good for you! there is light at the end of the tunnel. as he builds up a history of good driving, the cost will go down. we have a range rover (it does run on lpg) and only pay just over £400 a year fully comp. (we're both over 40 though). bright side is you've already got it down from a potential 6k to just over 2, well done!

LadyBiscuit · 31/01/2011 11:09

That sounds really good :)

Hope he passes his test first time too!

wigglesrock · 31/01/2011 11:19

Brillant totoros I passed my test 2 years ago (after 5 attempts) and its been brillant. The difference it has made in our lives has been unbelievable, taking the kids out, currently expecting dc3, we were able to move house because we didn't have to rely on public transport, not having to cart shopping with a double buggy etc, I was also able to get a better paid p/t job. I also would have to say that I'm a safer driver because I've passed my test recently, at least I know where my indicator is

Now if you can let me know any cut price diesel garages that would be great

goingroundthebend4 · 31/01/2011 11:23

im learning to drive and to all those that say about big cars not good.Well lol you should see what my first car is

www.minibus.ltd.uk/renault-minibus-sales/renault-trafic-ll29-9-seater-minibus.html Butthe long wheel base

only plus point as is motorablity vehicle insurance is part of the package

Dropdeadfred · 31/01/2011 11:26

Just a thought....are you putting that he is a learner driver as he hasn't yet pased his test....? would it be cheaper to wait to buy the car when he has actually passed?
Also second putting on a fmily member as named driver...i put my dh on mine (not as main driver) and it brought it down by a third..I only passed my test on 5th Jan!!

Original poster

TotorosOcarina · 31/01/2011 11:45

drop dead thats the really weird thing!

when we get a quote as if he has passed his test on a full license the cheapest is 2300

as a provisonal ivr, as he is now, it goes down to 1400!!

Admiral said if he got insured with them now (provisonal) it would be £3000 and RISE to £5000 when he pasess!!

OP posts:

Dropdeadfred · 31/01/2011 11:48

I guess they think that he's safer as a provisional as he will have an experienced driver with him at all times until he passes...sorry you've had such crap luck with quotes. I went with admiral..as a new driver in a 1.4l engine car i got £830 full comp...some of my quotes on comparison sites were £3000!!!!

Ponders · 31/01/2011 11:53

provisional cover is always cheaper because they're not driving unaccompanied - it always goes up once a learner has passed & is driving alone.

PorphyPixie · 31/01/2011 12:10

Oh, once you have a quote, confirm it with the comapny and then call a company that will give a discount on anything you've already been offered, that should bring it down even a little. I had two companies who offered similar amounts and I believe I went with Admiral in the end, who offered less when I said that I'd already been offered less by the other company.

Paying up front is cheaper as well :)

PorphyPixie · 31/01/2011 12:11

How can they justify it rising from £3000 to £5000?! That's impossible surely?!

Dropdeadfred · 31/01/2011 12:14

yes..whatever you do don't pay in insalments to Admiral...they were going to charge me over £200 for doing that so I just stumped up the £830...

ghosteditor · 31/01/2011 12:18

Do you have any family members you could add to the insurance? If you have a parent or sibling who has been driving for a while it can actually make a huge difference to the insurance costs. When I first started dating DH he had been driving for 10 years, and adding him to my insurance brought the cost down quite rapidly.

Obvs you would have to check that they are happy to be added and check the small print to see if any claims would affect their no-claims, but I'm pretty sure that it shouldn't have an impact. Sounds crazy but it does seem to work - it's not in any way illegal as long as your partner is named as the main driver.

scrappydappydoo · 31/01/2011 12:24

Don't forget that you can get cash back on places like quidco..

LaWeaselMys · 31/01/2011 12:37

glad you got a much better offer toto - just looking at that multimac site. How awesome are they!

Original poster

TotorosOcarina · 31/01/2011 14:27

That multicmac looks nightmarish to me!

Imagine all 4 of them next to each other to bicker!

would rather have a 7 or 8 seater so I could spread them out, lol

OP posts:

PaisleyLeaf · 31/01/2011 17:30

I know Totoro. But the idea of running/insuring/taxing/petrol/cost of tyres/parking space etc a 7 seater sounds nightmarish to me.

imustbemadasaboxoffrogs · 31/01/2011 21:28

I think that multi thing is quite expensive too IIRC?

scurryfunge · 31/01/2011 21:46

Have you looked at any dealers that offer 1 year free car insurance on buying a new car? (Peugeot were doing this last year).

It may bring your premiums down after that first year, especially if you are buying on a three year scheme. You give back the car (or buy it) after 3 years, so monthly payments are low.

You may have to put up with a smaller affordable car for the first 3 years but it may work out cheaper than spending £5000 on a car plus insurance.

exexpat · 31/01/2011 23:14

Scurry - I tried this with Toyota when I was having trouble getting affordable insurance (see post above) but I seem to remember there were various get-out clauses in the small print about who was eligible for the free insurance offer. I'm pretty sure they would have an exclusion for anyone who had held a licence for less than a year.

Original poster

TotorosOcarina · 31/01/2011 23:15

our car budget is only 2500. we cant get any credit at all unfortunatly we have to buy outright.

OP posts:

LIZS · 01/02/2011 08:54

Is your dh handy with mechanics ? I ask because with that tight a budget and likely age of car things can and do go wrong, which can cost a fair amount in repairs. If he can do some of the basic maintenanc it would help. Make sure you have money to put aside for this. Also you have MOT to plan for (ideally make sure whatever you buy has a recent one and that it has any servicing recommendations work already done , ie cam belt) and ask to see the paperwork detailing the MOT checks (it will tell you if something needs to be relooked at before a year). The smaller the car/engine the lower the tax group too although the car itself may not be much cheaper.

Original poster

TotorosOcarina · 01/02/2011 11:19

Thanks Liz,

we are both fairly clueless but when it comes to choosing an actual car we both have parents that can help us choose something decent :) well hopefully !!

OP posts:

budugs · 14/02/2011 17:53

be aware of uninsured drivers policy.

i took this out with my last insurance.

my car was hit early hours of the morning causing £1,200 damage the owner says the car was stolen from outside her house.

but because there were no witness and the driver could not be identified my own insurance had to pay out.

so unless you see the driver prefably get an independant witness that, that person was acually driving the car at the time then the uninsured drivers policy is void.

i lost my no claim and my insurance rose by over £300.

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