#1
Any young drivers in the UK who could help me out here?

Basically, I've had a car (1.4L Polo) which I've been driving on my provisional license since March. I insured it when I bought it and paid off the full 12 months for £984.

I'm due to take my driving test on the 19th June. I rang up my insurance company (Quinn) to ask if changing to a Full UK License will affect my premium. Apparently it will, to the tune of £2500. I think you'll appreciate, for a 17-year-old, that's a LOT of money.

I've tried shopping around other companies for a cheaper quote to change to once I pass. However, I've had absolutely no luck. Every company so far has quoted me around the £2500 mark for 12 months. Personally, I think this is a bit ridiculous. Do they really expect 17-year-old to be able to fork out 2 and a half grand for car insurance?

Maybe it's a problem with the comparison sites I''m using or the way I'm entering my details.

I was thinking that a way to get around this would be to simply NOT tell my insurance company I've passed my test. Obviously, this will void my insurance but I don't plan on having any accidents, and if I did, I'd pay for the repairs myself, to avoid my premium going up.

Can anyone offer advice? What insurance companies are you guys with? What were your premiums?
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#2
Quote by -February-Star-
Any young drivers in the UK who could help me out here?

Basically, I've had a car (1.4L Polo) which I've been driving on my provisional license since March. I insured it when I bought it and paid off the full 12 months for £984.

I'm due to take my driving test on the 19th June. I rang up my insurance company (Quinn) to ask if changing to a Full UK License will affect my premium. Apparently it will, to the tune of £2500. I think you'll appreciate, for a 17-year-old, that's a LOT of money.

I've tried shopping around other companies for a cheaper quote to change to once I pass. However, I've had absolutely no luck. Every company so far has quoted me around the £2500 mark for 12 months. Personally, I think this is a bit ridiculous. Do they really expect 17-year-old to be able to fork out 2 and a half grand for car insurance?

Maybe it's a problem with the comparison sites I''m using or the way I'm entering my details.

I was thinking that a way to get around this would be to simply NOT tell my insurance company I've passed my test. Obviously, this will void my insurance but I don't plan on having any accidents, and if I did, I'd pay for the repairs myself, to avoid my premium going up.

Can anyone offer advice? What insurance companies are you guys with? What were your premiums?

DO NOT DO THE BOLDED SECTION!! You will be taken to court and fined a lot if you are caught.
All you can do is either wait until you get older when insurance goes down, fork out for it, get a smaller car (or one that isn't a boy-racer car, that's why the insurance is so high you know) or go on your parents insurance as a named driver.
Also, do a pass plus course. Mine is costing me £130 but it'll be worth it as it lowers your insurance by that amount, so in theory you get it for free, and also the insurance companies love it
I hope it doesn't seem, like I'm young, foolish, and green.
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Y siempre
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Last edited by BlackLuster at Jun 3, 2008,
#3
Try getting your parents on the insurance as first and second named drivers to lower the insurance, and try doing pass plus. If your council pays for some it, it costs you £75 and can save a bit, most I've heard being about £250.
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#4
Quote by -February-Star-
I was thinking that a way to get around this would be to simply NOT tell my insurance company I've passed my test. Obviously, this will void my insurance but I don't plan on having any accidents, and if I did, I'd pay for the repairs myself, to avoid my premium going up.

Don't do this, you'll not only invalidate your own insurance, but you could also end up getting sued by the person you crashed into as well as facing a massive fine for yourself.

Trust me on this, I work for an insurance company and I sell these goddamn policies everyday.
Quote by cheese_weasel
Try getting your parents on the insurance as first and second named drivers to lower the insurance, and try doing pass plus. If your council pays for some it, it costs you £75 and can save a bit, most I've heard being about £250.

Also highly illegal, but cheaper. Companies look out for this as well. It's called fronting.
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#5
Quote by BlackLuster
DO NOT DO THE BOLDED SECTION!! You will be taken to court and fined a lot if you are caught.
All you can do is either wait until you get older when insurance goes down, fork out for it, get a smaller car (or one that isn't a boy-racer car, that's why the insurance is so high you know) or go on your parents insurance as a named driver.

this.

or get a sex change, it's a lot cheaper if you're a girl
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#6
Quote by tobysaurus
this.

or get a sex change, it's a lot cheaper if you're a girl

Nah, that's just a myth.
Try getting a different car, one with a lower engine size and that isn't a boy-racer car.
I hope it doesn't seem, like I'm young, foolish, and green.
Let me in for a minute, you're not my life but I want you in it


O Dayya, te echaré de menos, siempre

Y siempre
Y para siempre
#7
I've tried the named driver on parents' insurance approach, it works out more expensive than if I insure just myself.

Also, I wouldn't call my car a 'boy-racer' car, it's just a standard Polo.
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Man that's badass.


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#8
My mate owns a Polo it's 1.0 mind and his insurance is 1500 a year, it's his own policy, but then again, he put his address down as his dads address, where the crime rate is very low.
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#9
Quote by -February-Star-
I've tried the named driver approach, it works out more expensive than if I insure just myself.

How bizarre
That doesn't really make sense to me? Unless the person's who's insurance you're going on is astronomically high as well.
Also, don't go fully comp, just go third party (or third party fire and theft at a push) as it lowers the price by about £200
I hope it doesn't seem, like I'm young, foolish, and green.
Let me in for a minute, you're not my life but I want you in it


O Dayya, te echaré de menos, siempre

Y siempre
Y para siempre
#10
Quote by BlackLuster
Nah, that's just a myth.
Try getting a different car, one with a lower engine size and that isn't a boy-racer car.

No sir!

go onto almost any insurance quote websites and fill in the details.

keep everything exactly the same except the second time change your gender to female.

it gave me a quote almost £1000 cheaper.
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#11
Quote by BlackLuster
How bizarre
That doesn't really make sense to me? Unless the person's who's insurance you're going on is astronomically high as well.
Also, don't go fully comp, just go third party (or third party fire and theft at a push) as it lowers the price by about £200

Nope, I've tried comp, just third party, and third party fire and theft. Still no joy .
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Man that's badass.


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#13
Quinn are crap, change from them, my bros with them he had a crash and they started to make up excuses not to pay out!
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#14
Quote by thegreenmile
Quinn are crap, change from them, my bros with them he had a crash and they started to make up excuses not to pay out!

I know they're rubbish, but they provided the cheapest quote when I first bought the car. Since it was only a temporary thing until I passed, I went for them.

I'm looking to change as soon as I pass, given the massive price increase that it will incur on Quinn.
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Man that's badass.


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#15
Can you get third party only? If you're planning to make your own repairs to the vehicle it doesn't make sense to be carrying comprehensive insurance, not when you could just buy another car for the premium cost.
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#16
My mum works in insurance company. Once I pass I can go on her insurance for about £20 .
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+1
#17
how the f*ck did you get insurance on a 1.4 polo at 17 for a boy at that price?!? sweet jesus. its not strange that you are getting quoted around £2500, its strange that you somehow paid £950 as a learner. and it is true about girls being cheaper. my sister got her insurance for about half what ive been quoted and what my brother had to pay.

also be careful about that whole name driver on your parents thing, because you dont build up you're own no claims, so if you get your own policy after a few years, they see you as having no years driving experience.
#18
Quote by chudman
how the f*ck did you get insurance on a 1.4 polo at 17 for a boy at that price?!? sweet jesus. its not strange that you are getting quoted around £2500, its strange that you somehow paid £950 as a learner. and it is true about girls being cheaper. my sister got her insurance for about half what ive been quoted and what my brother had to pay.

also be careful about that whole name driver on your parents thing, because you dont build up you're own no claims, so if you get your own policy after a few years, they see you as having no years driving experience.

You can't build up no-claims. You CAN build up named driving experience though. Obviously, it's not as valuable to insurance companies as no-claims, but it still counts for something.

I've managed to find a fairly decent quote now, after hours of searching. Lloyds TSB Insurance - £1000 named on a policy in my mum's name. I'll cancel my insurance with Quinn after I pass then start a new policy with Lloyds, unless anyone can recommend a better company?

Thanks for the pointers guys.
Quote by buckethead_jr
^And known for that bloody awesome croissant with a crown.
Man that's badass.


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#19
Quote by chudman
also be careful about that whole name driver on your parents thing, because you dont build up you're own no claims, so if you get your own policy after a few years, they see you as having no years driving experience.

Direct Line let you build up your own no claims as a named driver.
"If you don't show it, I cannot grope it."

"It is the mark of an educated mind to be able to entertain a thought without accepting it.."
#20
don't lie to your insuarance, its not your own damage thats the problem, if you run someone over or cause damage something they could potentionally sue you for a lot, and if your insurance is void you'll have to pay it... all it takes is some stupid kid to jump in front of you and die....

try going third party fire and theft, or give the car to your parents and be a named driver on their insurance, or get someone older insured as a named driver, i got my mum insured last year as a named driver and it dropped my insurance by a few hundred pounds, i started driving 5 years ago at 17, to insure a 95 1.5diesel corsa was similar money... so yeah its a rip off.. and if you do crash don't think about claiming because your insurance will go up so much next year you'll be off the road anyway... what a great ****ing world...

last year my parents car got stolen and they refused to pay out on the ground "it was unlikely to be stolen in a public place unless you had left it unlocked"... there goes a 10k car... insurance companies need to be brought down...

edit: try admiral, they were very cheap for me last year..
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#21
The reason it will be so much is becuase it is Quinn Direct! I am still a learner with a provisional licence (not for much longer now I hope), and they were the cheapest for learner drivers- but I think they specialise in insuring learners, so they can afford to put the prices down (but then when you have passed the test, they put it up a lot). The car I learn in is insured by Kwik Fit, and apparently there is practically no change in price when you have passed your test...


Can't you change insurers? I would recommend Kwik-Fit! You get a free MOT and winter oil check with them....and I think 10% off when you visit a Kwik Fit garage...