OV9

Carlos wrote: ↑Tue Jan 23, 2024 1:36 pm

Mito Man wrote: ↑Tue Jan 23, 2024 1:22 pm I’m more surprised that it’s a sensible quote with the NFU who I can only describe as the biggest thieves in the insurance industry

That's not my experience or the experience of many of my rural clients!

Nic wrote: ↑Tue Jan 23, 2024 1:53 pm

Rich B wrote: ↑Tue Jan 23, 2024 1:20 pm

Nic wrote: ↑Tue Jan 23, 2024 11:32 am My 17 year old has a w204 C180 manual coupe. £800 a year to insure with NFU, I’m on the policy as well. Car was £5600 when I bought it but quite a few saloons/estates or ropey coupes available for £3k.

Surprisingly cheap for what is a pretty nice car.

is that as a learner or passed?

Currently learner, price doesn’t change once he’s passed. It was £120 a year to add him as a second driver to my van.

drcarlos wrote: ↑Mon Mar 11, 2024 3:05 pm Currently looking for my younger boy. He is 17 and getting to the stage where he wants a car to practice in.

Cheapest so far is a classic mini but he hates them and budget fro something decent is way outside of his price range anyway.
Quote for him passing at the moment would be about £2000
Tried all sorts including the usually suspects:
Polo, Corsa, Fiesta, Bini and Aygo - Ranges from 2800-3600
The Panda Active came in at £2200

Tried classic Volvos, Micras and Saabs only the Micra (an old 1980's 1.0DX) was sensible at £2800.

drcarlos wrote: ↑Mon Mar 11, 2024 3:05 pm Currently looking for my younger boy. He is 17 and getting to the stage where he wants a car to practice in.

Cheapest so far is a classic mini but he hates them and budget fro something decent is way outside of his price range anyway.
Quote for him passing at the moment would be about £2000
Tried all sorts including the usually suspects:
Polo, Corsa, Fiesta, Bini and Aygo - Ranges from 2800-3600
The Panda Active came in at £2200

Tried classic Volvos, Micras and Saabs only the Micra (an old 1980's 1.0DX) was sensible at £2800.

Carlos wrote: ↑Mon Mar 11, 2024 4:57 pm

drcarlos wrote: ↑Mon Mar 11, 2024 3:05 pm Currently looking for my younger boy. He is 17 and getting to the stage where he wants a car to practice in.

Cheapest so far is a classic mini but he hates them and budget fro something decent is way outside of his price range anyway.
Quote for him passing at the moment would be about £2000
Tried all sorts including the usually suspects:
Polo, Corsa, Fiesta, Bini and Aygo - Ranges from 2800-3600
The Panda Active came in at £2200

Tried classic Volvos, Micras and Saabs only the Micra (an old 1980's 1.0DX) was sensible at £2800.

Try a Citroen C1, Skoda Citigo or Seat Mii.

Jimexpl wrote: ↑Wed Mar 13, 2024 9:22 pm First gen c class Mercs used to be cheap to insure for young drivers, but I don’t know how it is these days.

http://www.autotrader.co.uk/car-details/202402266967781

drcarlos wrote: ↑Wed Mar 13, 2024 5:11 pm

Carlos wrote: ↑Mon Mar 11, 2024 4:57 pm

drcarlos wrote: ↑Mon Mar 11, 2024 3:05 pm Currently looking for my younger boy. He is 17 and getting to the stage where he wants a car to practice in.

Cheapest so far is a classic mini but he hates them and budget fro something decent is way outside of his price range anyway.
Quote for him passing at the moment would be about £2000
Tried all sorts including the usually suspects:
Polo, Corsa, Fiesta, Bini and Aygo - Ranges from 2800-3600
The Panda Active came in at £2200

Tried classic Volvos, Micras and Saabs only the Micra (an old 1980's 1.0DX) was sensible at £2800.

Try a Citroen C1, Skoda Citigo or Seat Mii.

Tried the Mii and that came in at 2.8k as well. I started messing with other potential variables, excess, cover level (TPF&T always used to be about 50% cheaper and I figured maybe a £500 snotter for a year on TPF&T cover might be a good idea) driving less at peak times and they made no real difference. The only thing that really does impact it is a years experience, age and NCB, suddenly it drops by more than 50%.

So it looks like we will like @Ascender have to just suck it up and pay.

Although now I know what worst case is I can always try a few brokers direct and see if we can get a better deal there. We've said that he needs his theory passed before we take the plunge as we don't want a repeat of the first one where we had to pay to run his car for about 2 years because he was fannying around getting tests.

Jimexpl wrote: ↑Wed Mar 13, 2024 9:22 pm First gen c class Mercs used to be cheap to insure for young drivers, but I don’t know how it is these days.

http://www.autotrader.co.uk/car-details/202402266967781

Ascender wrote: ↑Thu Mar 14, 2024 9:32 am

drcarlos wrote: ↑Wed Mar 13, 2024 5:11 pm

Carlos wrote: ↑Mon Mar 11, 2024 4:57 pm

Try a Citroen C1, Skoda Citigo or Seat Mii.

Tried the Mii and that came in at 2.8k as well. I started messing with other potential variables, excess, cover level (TPF&T always used to be about 50% cheaper and I figured maybe a £500 snotter for a year on TPF&T cover might be a good idea) driving less at peak times and they made no real difference. The only thing that really does impact it is a years experience, age and NCB, suddenly it drops by more than 50%.

So it looks like we will like @Ascender have to just suck it up and pay.

Although now I know what worst case is I can always try a few brokers direct and see if we can get a better deal there. We've said that he needs his theory passed before we take the plunge as we don't want a repeat of the first one where we had to pay to run his car for about 2 years because he was fannying around getting tests.

Yeah, we spent what seemed like days on it with different sites, comparison sites and all that jazz. As you know, there's no quick way to just get a quote without going through the same questions over and over again on different sites.

LV insured him on his provisional license and when it came to renewal time, gave him a full year's NCB. Which of course we can't use anywhere else because having then just turned 18, other insurance companies say he's not old enough to have had a year's NCB....

drcarlos wrote: ↑Thu Mar 14, 2024 12:03 pm

Jimexpl wrote: ↑Wed Mar 13, 2024 9:22 pm First gen c class Mercs used to be cheap to insure for young drivers, but I don’t know how it is these days.

http://www.autotrader.co.uk/car-details/202402266967781

£6200 on the Merc! It seems the loop holes are being closed off and nothing is immune to scalping now.

Nic wrote: ↑Thu Mar 14, 2024 1:20 pm

drcarlos wrote: ↑Thu Mar 14, 2024 12:03 pm

Jimexpl wrote: ↑Wed Mar 13, 2024 9:22 pm First gen c class Mercs used to be cheap to insure for young drivers, but I don’t know how it is these days.

http://www.autotrader.co.uk/car-details/202402266967781

£6200 on the Merc! It seems the loop holes are being closed off and nothing is immune to scalping now.

Try a newer model like the w204. Keep it under <2litre and make sure it’s a manual.

Ascender wrote: ↑Thu Mar 14, 2024 9:32 am

drcarlos wrote: ↑Wed Mar 13, 2024 5:11 pm

Carlos wrote: ↑Mon Mar 11, 2024 4:57 pm

Try a Citroen C1, Skoda Citigo or Seat Mii.

Tried the Mii and that came in at 2.8k as well. I started messing with other potential variables, excess, cover level (TPF&T always used to be about 50% cheaper and I figured maybe a £500 snotter for a year on TPF&T cover might be a good idea) driving less at peak times and they made no real difference. The only thing that really does impact it is a years experience, age and NCB, suddenly it drops by more than 50%.

So it looks like we will like @Ascender have to just suck it up and pay.

Although now I know what worst case is I can always try a few brokers direct and see if we can get a better deal there. We've said that he needs his theory passed before we take the plunge as we don't want a repeat of the first one where we had to pay to run his car for about 2 years because he was fannying around getting tests.

Yeah, we spent what seemed like days on it with different sites, comparison sites and all that jazz. As you know, there's no quick way to just get a quote without going through the same questions over and over again on different sites.

LV insured him on his provisional license and when it came to renewal time, gave him a full year's NCB. Which of course we can't use anywhere else because having then just turned 18, other insurance companies say he's not old enough to have had a year's NCB....