WikiWirral 13yrs online 24/7 365 days a year.
Forum Stats
12254 Members
65 Forums
72900 Topics
982812 Posts
77 posts in the last 24hrs
Max Online: 7831 @ 8th Apr 2013 4:18pm
Who's Online - Click Me
88 registered (Beethoven, 16 invisible), 1851 Guests and 384 Spiders online.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


(Views 7days)This Weeks Most Read
Boom : New Ferry Explosion 2485
Offset number plates 556
Death at Leasowe Train Station 457
Huge Gas Explosion in New Ferry Sat 25/03/17 409
Planet Earth Tonight 272
Has Talktalk been hacked yet again? 248
Snowhite's Bird Rescue 204
Reclaimed floorboards needed. 197
Another Terrorist Attack ? -London Islington 91
KEYS found 74
New General Forums
hi
by norma67
26th Mar 2017 7:42pm
Clocks go Forward
by Mark
25th Mar 2017 3:01pm
Mannequin Challenge AKA MRI Scan
by fish5133
24th Mar 2017 11:20am
Surely the most honest add.....
by buddy
20th Mar 2017 5:43pm
New Wirral History
William Bernard's building, Birkenhead
by yoller
20th Mar 2017 4:27pm
1882 Plan of the borough of Birkenhead and Wards
by Dave_Wood
19th Mar 2017 11:57am
New Brighton Coop
by Mike_White
9th Mar 2017 12:48pm
Tranmere High School for Girls 1882 Chesnut Grove
by sarah708
6th Mar 2017 8:23pm
Whetstone Lane, Birkenhead
by MoretonExpat
6th Mar 2017 8:04am
Forum Tips
Photo Gallery Forums
Birkenhead Transport Museum 24th Feb 2017
fireworks on the Mersey last night
Topic Replies
Will It Work For You
by Dilly
12:47 PM
hi
by Dilly
11:36 PM
'March' Photo Competition.
by snowshoes
10:58 PM
Boom : New Ferry Explosion
by fish5133
08:27 PM
It's Broken : Forum Update
by Mark
08:13 PM
Prescriptions
by diggingdeeper
06:55 PM
Death at Leasowe Train Station
by fish5133
27th Mar 2017 11:12pm
What song are you listening to?
by Vanmanone
27th Mar 2017 3:50pm
Huge Gas Explosion in New Ferry Sat 25/03/17
by venice
27th Mar 2017 1:18pm
March
M Tu W Th F Sa Su
1 2 3 4 5
6 7 8 9 10 11 12
13 14 15 16 17 18 19
20 21 22 23 24 25 26
27 28 29 30 31
Recent Posts : What's On ?
Planet Earth Tonight
by Excoriator
26th Mar 2017 10:31am
Lee and Cragg Quarries - Bacup
by Mark
23rd Mar 2017 7:43am
Page 1 of 2 1 2 >
Topic Options
Rate This Topic
#471170 - 9th Feb 2011 12:02pm First time insurance for mature driver
Handbag Offline
Addict

Registered: 8th Jul 2008
Posts: 251
Loc: Egremont, Wallasey
Hi All

I'm due to take my test next month and will be buying a small car as I believe that they will be much cheaper to insure.

I've been on several comparison website and used a ford fiesta as a model to generate a quote. I have to say that I am absolutely horrified by the prices I have been quoted bearing in mind that I am 42 year old lady driver...

Last year I ran the same quote on the same websites and was quoted 368 for third party fire and theft. I put in the same information just one year later to find that it is now cheaper for me to get fully comp insurance at around 1350 per year than third party which works out at 1800+. How can that be right??!

Any advice on good quality cheap insurers and which would be the cheapest cars to insure for a first timer?


Edited by Handbag (9th Feb 2011 12:05pm)

Top
Wirral Info : Advertising
Click me for more Information......

* * * Emelec Electrical Services * * *
Now Advertise with WikiWirral.
WikiWirral stats 35,000 Page Views a Day +500 Search Engines.. Click Me
#471188 - 9th Feb 2011 12:59pm Re: First time insurance for mature driver [Re: Handbag]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15988
Loc: New Brighton
When you do find a cheap quote on one of those comparison sites it's worth going directly to the website of the cheapest insurer you find as it will 'cut the middle man out' and be cheaper again.
I have trade insurance so unfortunately cannot help anymore on this.
Good luck smile
_________________________


http://www.youtube.com/user/stetopop

Top
#471189 - 9th Feb 2011 1:00pm Re: First time insurance for mature driver [Re: Handbag]
AX_125 Offline

Forum Guardian

Registered: 10th Nov 2003
Posts: 3793
Loc: Home
Insurance has rocket in recent months due to the suing society we currently live in. People are purposely buying cheap cars, causing crashes and getting whiplash claims.
_________________________

I am a signature virus, copy me into your signature to help me spread.

Top
#471190 - 9th Feb 2011 1:02pm Re: First time insurance for mature driver [Re: Handbag]
AX_125 Offline

Forum Guardian

Registered: 10th Nov 2003
Posts: 3793
Loc: Home
FYI, the price comparison sites are not a 'middle man' they make their money on click throughs. so they will generally only make a pound or 2 per person.
_________________________

I am a signature virus, copy me into your signature to help me spread.

Top
#471193 - 9th Feb 2011 1:05pm Re: First time insurance for mature driver [Re: AX_125]
Handbag Offline
Addict

Registered: 8th Jul 2008
Posts: 251
Loc: Egremont, Wallasey
I am sure they think I'm a boy racer in drag cry

Top
#471204 - 9th Feb 2011 1:38pm Re: First time insurance for mature driver [Re: Handbag]
diggingdeeper Offline

Wiki Guardian

Registered: 9th Jul 2008
Posts: 9894
Loc: Birkenhead
Some insurance companies used to give you 40% no-claims on your first 6 months insurance. So while you pay slightly over the top for the 6 months, the subsequent insurances are considerably cheaper.

You'd have to ask.
_________________________
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates

Top
#471207 - 9th Feb 2011 1:47pm Re: First time insurance for mature driver [Re: diggingdeeper]
bert1 Offline

Wiki Veteran

Registered: 27th Nov 2008
Posts: 7864
Loc: tranmere
http://www.thisismoney.co.uk/bargains-an...n_page_id=53949

Ste is absolutely right, i have just insured my van, on these compare websites it would have cost me 120 more with same company.


Edited by bert1 (9th Feb 2011 1:50pm)
_________________________
God help us,
Come yourself,
Don't send Jesus,
This is no place for children.


Bertieone.

Top
#471209 - 9th Feb 2011 2:00pm Re: First time insurance for mature driver [Re: Handbag]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 15988
Loc: New Brighton
Originally Posted By: Handbag
I am sure they think I'm a boy racer in drag cry


It also goes by the crime statistics in the area you live smirk I'll say no more.

Ax125 it is cheaper going direct.
_________________________


http://www.youtube.com/user/stetopop

Top
#471211 - 9th Feb 2011 2:07pm Re: First time insurance for mature driver [Re: Handbag]
2005wireman Offline
Addict

Registered: 13th Jan 2011
Posts: 255
Loc: Warrington
Try getting a vauxhall corsa 1 lite and getting insure with admirail.if possiable avoid zenth cause i been having problem with them over someone surpose to have crash into my car and cliaming off me..

Top
#471214 - 9th Feb 2011 2:11pm Re: First time insurance for mature driver [Re: Handbag]
polo_phil Offline

Forum Master

Registered: 9th Jan 2009
Posts: 3080
Loc: Birkenhead
Insurance companies are better for some than others so best to have a good shop round...

Top
#471220 - 9th Feb 2011 2:26pm Re: First time insurance for mature driver [Re: Handbag]
Handbag Offline
Addict

Registered: 8th Jul 2008
Posts: 251
Loc: Egremont, Wallasey
It's no wonder there are so many uninsured muppets driving around out there!
I have plenty of time to research insurance... so I guess I'll just keep plugging away till I find something affordable..

Top
#471221 - 9th Feb 2011 2:29pm Re: First time insurance for mature driver [Re: Handbag]
davew3 Offline
Forum Guide

Registered: 16th Jun 2009
Posts: 1024
Loc: Wirral
I think you have explained why in your first sentence,your due to take your test next month,you will get hammered for the first few years,you will be classed as a new driver ,kerching goes the till,it will drop,but it's going to hurt until you have time and no claims on your side,been through this when son decided he wanted to drive instead of cycle. verysorry

PS good luck anyway

Top
#471273 - 9th Feb 2011 6:50pm Re: First time insurance for mature driver [Re: Handbag]
zippy49 Offline
Member

Registered: 15th Oct 2010
Posts: 82
Loc: wallasey
like yourself i m an older driver,and female i have found that going fully comp is not that much different than 3rd party fire and theft.you get better benfits if anything happens to your car. Try l.v , i would ask when you apply to a company why is it so high ,it will go down a bit after 1 year. good luck with your test and finding a good insurance quote.

Top
#471294 - 9th Feb 2011 7:51pm Re: First time insurance for mature driver [Re: zippy49]
mrhanky Offline
Forum Addict

Registered: 1st Dec 2010
Posts: 1236
Loc: my house
give tesco a try. also select the highest level of breakdown cover as this can reduce the price.

also if you have a partner get a quote with them on it.

Top
#471297 - 9th Feb 2011 8:18pm Re: First time insurance for mature driver [Re: Handbag]
Bandageman Offline
Member

Registered: 8th Feb 2009
Posts: 56
Loc: Wirral
Good luck with your test next month. We all started paying high insurance at first,then over the years they came down. There are number of ways to bring the cost down.
1. Take the pass plus after passing your test as many insurance company take this in account.
2. I have heard of a company that fits a box to your car, so they know when the car is used on the road. and park in a garage or off road at night.
3. Get your insurance at the end of the month as if they have not hit their target, they may give you more discount
4. Shop and shop around, discounts are important but it is what you are going to pay at the end that counts
5. Finally drive careful and get your no claims discounts






3. one company I heard of can fit a box to your car so you only pay when it is used

Top
Page 1 of 2 1 2 >

Moderator:  Mod 
Random Wirral Images

Click to View Topic.
Newest Topics
Will It Work For You
by granny
Today at 08:26 AM
Death at Leasowe Train Station
by Mark
27th Mar 2017 10:02pm
KEYS found
by rocks
26th Mar 2017 11:48pm
hi
by norma67
26th Mar 2017 7:42pm
Huge Gas Explosion in New Ferry Sat 25/03/17
by Dogwalker59
26th Mar 2017 10:36am
For Sale & Free
boxed 10 inch tablet for sale
by stumpyduck
26th Mar 2017 7:12pm
various fly reels and boxes of fly's
by brady
25th Mar 2017 10:48am
Challenge extreme angle grinder used once
by brady
25th Mar 2017 10:43am
White Hyundai I30, 2011 plate For sale, 1.4 petrol
by goodoldphil
24th Mar 2017 6:24pm
I am having a clear out!
by TheComputerLab
24th Mar 2017 4:01pm
Featured Member
Registered: 4th Nov 2011
Posts: 1866
Newest Members
BoilerEngineer, flipmodefly, Noize, cartoonhead, shelleyc1990
12254 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Planet Earth Tonight
by granny
25th Mar 2017 11:50am
Reclaimed floorboards needed.
by Gold_Moon
25th Mar 2017 10:45am
Has Talktalk been hacked yet again?
by Habdab
24th Mar 2017 10:25am
What does this all mean?
by venice
22nd Mar 2017 12:20pm
black contiboard locally?
by fish5133
21st Mar 2017 9:30pm
News : New Topics
Death at Leasowe Train Station
by Mark
27th Mar 2017 10:02pm
KEYS found
by rocks
26th Mar 2017 11:48pm
Another Terrorist Attack ? -London Islington
by fish5133
26th Mar 2017 3:03pm
Huge Gas Explosion in New Ferry Sat 25/03/17
by Dogwalker59
26th Mar 2017 10:36am
Boom : New Ferry Explosion
by diggingdeeper
25th Mar 2017 9:39pm
New Enthusiast Forums
Will It Work For You
by granny
Today at 08:26 AM
Snowhite's Bird Rescue
by diggingdeeper
26th Mar 2017 2:44am
Offset number plates
by venice
23rd Mar 2017 1:24am
File too large
by Dilly
20th Mar 2017 10:41am
ford focus 1.6 t reg rattling
by Little_B
19th Mar 2017 11:02pm
(Views 24hrs)Trending Newest Topics
Will It Work For You 57
Wirral Sunrise Sunset
Sunrise Wed 6:50am
Sunset Wed 7:42pm
Local Time Wed 5:56pm
WikiWirral Can . . . .