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#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)

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#471188 - 9th Feb 2011 12:59pm Re: First time insurance for mature driver [Re: Handbag]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 16023
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
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#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.
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#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.
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#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

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

Wiki Master

Registered: 9th Jul 2008
Posts: 10295
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

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

Wiki Veteran

Registered: 27th Nov 2008
Posts: 7921
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)
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#471209 - 9th Feb 2011 2:00pm Re: First time insurance for mature driver [Re: Handbag]
_Ste_ Offline


Wiki Master

Registered: 7th Aug 2005
Posts: 16023
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.
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#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..

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#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...

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#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..

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#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

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#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.

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#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.

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#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

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