ChatterBank21 mins ago
Car Insurance
15 Answers
Help!
Im 17 and recently passed my driving test!
im looking to insure a 2003 ford KA, ive looked everywhere and the cheapest i can get it too it £6000
Anyone know how i can get it cheaper or where else to look?
Im 17 and recently passed my driving test!
im looking to insure a 2003 ford KA, ive looked everywhere and the cheapest i can get it too it £6000
Anyone know how i can get it cheaper or where else to look?
Answers
Best Answer
No best answer has yet been selected by jakeandharley. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.That does look very high, but you are certainly looking in the thousands for your first car, at your age. Could you not be a named driver on say your parents' insurance policy, until you build up some no claims bonus of your own?
What excess are they quoting you for? Increasing your excess (i.e offering to pay more accident repair costs yourself if you have to claim) will bring the premium down a bit.
What excess are they quoting you for? Increasing your excess (i.e offering to pay more accident repair costs yourself if you have to claim) will bring the premium down a bit.
As Hc4361 indicates, adding a more experienced driver onto your own policy can often see a substantial reduction in your premium. (Boxtops suggestion, of doing it the other way round, could lead to you and/or a parent being sentenced to up to 10 years imprisonment for 'fronting'. It's strictly illegal!).
Additionally, try all of the options for insurance coverage. i.e. check out 'third party only', 'third party, fire & theft' and 'fully comp'. Surprisingly, 'third party, fire & theft' is often cheaper than 'third party only' and it's not uncommon for 'fully comp' to be even cheaper still.
A standard Ford Ka is in Insurance Group 10, with some models being in Group 11 (and the Sportka in Group 15 or 16), so you're at the cheaper end of the range of premiums. However switching to something like a Fiat Panda or Skoda Fabia would take your insurance down to Group 2.
Some insurers also offer substantial discounts for Pass Plus:
http://www.direct.gov...iedDrivers/DG_4022426
Chris
Additionally, try all of the options for insurance coverage. i.e. check out 'third party only', 'third party, fire & theft' and 'fully comp'. Surprisingly, 'third party, fire & theft' is often cheaper than 'third party only' and it's not uncommon for 'fully comp' to be even cheaper still.
A standard Ford Ka is in Insurance Group 10, with some models being in Group 11 (and the Sportka in Group 15 or 16), so you're at the cheaper end of the range of premiums. However switching to something like a Fiat Panda or Skoda Fabia would take your insurance down to Group 2.
Some insurers also offer substantial discounts for Pass Plus:
http://www.direct.gov...iedDrivers/DG_4022426
Chris
There is an organisation that fits some sort of telemetrics to your car and, providing they can tell that you're driving in a sensible manner, will reduce your premiums accordingly. Quite bizarrely, I met the guy who runs this company the other day. I'm likely to see him again in the next week or so. I'll post to this question once I know hos contact details.
CIS do something similar, SeaJayPea:
http://www.co-operati...rance-Car?WT.svl=nav3
i-Kube is a variation of it:
http://www.i-kube.co.uk
Coverbox also uses monitoring technology:
http://www.coverbox.co.uk
Chris
http://www.co-operati...rance-Car?WT.svl=nav3
i-Kube is a variation of it:
http://www.i-kube.co.uk
Coverbox also uses monitoring technology:
http://www.coverbox.co.uk
Chris
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