phoenixboy Posted June 5, 2015 Share Posted June 5, 2015 hi, can someone help me please? whats the best way to get insurance quotes down? ive had high quotes. Or any tips will be great, im a first time driver. does the car make and model, popularity make a huge difference? thanks Link to comment Share on other sites More sharing options...
Supertramp Posted June 5, 2015 Share Posted June 5, 2015 Move house Link to comment Share on other sites More sharing options...
geared Posted June 5, 2015 Share Posted June 5, 2015 does the car make and model, popularity make a huge difference? Yes, obviously. First time drivers pay more, thats the way it is. If you're young as well you'll be eye-wateringly high premiums. Link to comment Share on other sites More sharing options...
sgtkate Posted June 5, 2015 Share Posted June 5, 2015 hi, can someone help me please? whats the best way to get insurance quotes down? ive had high quotes. Or any tips will be great, im a first time driver. does the car make and model, popularity make a huge difference? thanks This is a good place to start for information: http://www.moneysavingexpert.com/car-insurance/young-drivers Things like getting yourself as a listed driver but your parents as main driver (only if you live with them and they do drive the car on occasion otherwise this is fraud), putting a 'good' driver down as a listed driver (sounds counterintuitive but it works if they have a clean license for a number of years etc). Link to comment Share on other sites More sharing options...
ALAN 58 Posted June 5, 2015 Share Posted June 5, 2015 Its the uninsured that makes it more expensive for those of us who are insured. Link to comment Share on other sites More sharing options...
Mr Bloke Posted June 5, 2015 Share Posted June 5, 2015 Its the uninsured that makes it more expensive for those of us who are insured. Yep, but from that link above the average premium for a 17-22 year-old is £1,194/yr. And if you get caught without insurance ( see here ) you get a £300 fine and 6 points on you licence... ... so it's not really surprising that some people are prepared to risk it, is it? Link to comment Share on other sites More sharing options...
JarvisS8 Posted June 5, 2015 Share Posted June 5, 2015 (edited) Yep, but from that link above And if you get caught without insurance ( see here ) you get a £300 fine and 6 points on you licence... ... so it's not really surprising that some people are prepared to risk it, is it? But if you got caught in the first two years of passing your test then you would get your license revoked...new drivers are high risk hence high premiums. After they have a few years NCD it will drop then they can complain about "uninsured" drivers ruining it for everyone. Edited June 5, 2015 by JarvisS8 Link to comment Share on other sites More sharing options...
slh73 Posted June 5, 2015 Share Posted June 5, 2015 This is a good place to start for information: http://www.moneysavingexpert.com/car-insurance/young-drivers Things like getting yourself as a listed driver but your parents as main driver (only if you live with them and they do drive the car on occasion otherwise this is fraud) The problem with that is you never accrue any NCD, so your premiums never really go down. Link to comment Share on other sites More sharing options...
Mr Bloke Posted June 5, 2015 Share Posted June 5, 2015 But if you got caught in the first two years of passing your test then you would get your license revoked...new drivers are high risk hence high premiums. After they have a few years NCD it will drop then they can complain about "uninsured" drivers ruining it for everyone. Yep, and the police can also seize and destroy your vehicle... ... but if the fine was the same as the cost of a years insurance then it would immediately remove the temptation to not buy insurance. The problem with that of course, is that different people would then be being fined different amounts for the same offence... imagine the uproar that would cause! Link to comment Share on other sites More sharing options...
loraward Posted June 5, 2015 Share Posted June 5, 2015 hi, can someone help me please? whats the best way to get insurance quotes down? ive had high quotes. Or any tips will be great, im a first time driver. does the car make and model, popularity make a huge difference? thanks New cars can be cheaper to insure than old cars, fully comp can be cheaper than TPFT, do the Pass plus course, take an advanced driving course, drive safe and in accordance with the law, you will be amazed at how much it increases with a few points. Look for policies that restrict the time of day you can drive. ---------- Post added 05-06-2015 at 17:01 ---------- Yep, but from that link above And if you get caught without insurance ( see here ) you get a £300 fine and 6 points on you licence... ... so it's not really surprising that some people are prepared to risk it, is it? Which could mean loosing your license, having to retake your driving test and you still need to get the insurance you didn't have. Link to comment Share on other sites More sharing options...
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