Insurance Cost

[armacast]

Hi Guys i'm trying to find out for a friends daughter what the cost of insurance

would be for a 17 year old who has just passed her driving test ( fully Comp ) is there anyone on this forum who is that age and could tell how much they are paying and what insurance company they are with. The cheapest I have found at the moment is £1100 with Churchill.

Thanks

A

[Crisis]

I guess you mean for a 1.0 Yaris? Which Spec Yaris? Engine Size? Value of the car? etc etc.

[armacast]

Sorry its a 1.3 yaris

[Robie]

Cheapest I could find was 1400 for garaged 1.3 cdx not for commuting to work or place of education and in a low crime area, but shes female so probably gets it cheaper :(

I got on my dads insurance for 200pound extra a year :o

[Chappers]

Got to say that aint bad from your initial post, if it's fully comp..

Don't think you'll find cheaper than that

[minnnt_ts]

i paid £1100 for a t-sport but i got 1 year n/c bonus. but im 19. i hate it wen insurance companies ask u if its a low crime area etc and as for what r u goin 2 b usin it for... well... DRIVING AROUND IN!!!!!!!!! wtf else do u use ur car for??!! and if uv like got new dust caps they will try and get out of payin up if anything goes wrong... they rob us blind and then dont giv us no dosh if we need it!!!!!!!

Minnnt

[seveer unaek]

Ahh, good old insurance companies!! You're all quite lucky with your insurance!

Im on my mums at moment even though i use car most and that £500 on top of £250. Thats with privilege btw. But, i should really be the policy holder... I live in a fairly bad area (goes with dads job of vicar!) car is garaged and only used for social, domestic and pleasure use. But, i have 1 very small claim and im 19. My insurance cost on a 1.3 SR??? £2900. I say £1100 is a bargain!!!

[s0cks]

Model: 1.5 T-Sport

Age: 19

NCB: 0

Premuim: £1100

Excess: £500

Company: Elephant.co.uk

Also try Admiral. I got a quote with them for next year. They said £921 with 1 years NCB. Oh and then they e-mail you saying another £20 off if you purchase within 7 days... so that was £901!

Not bad!

[alanbradley]

You've just all made me feel much better!

I've been sitting here fuming that that with 2 accidents (neither of them my fault) and 3 points for speeding (okay, so that was...) I'm now about to have to pay about 480 quid for next year's insurance :(

Mighty peeved :ffs:

A

[minnnt_ts]

that was with no excess so i guess its pretty gud but that was with a 10% discount for buyin online but i reckon if u foned em up ud get it the same! and is ur dad really a vicar? cos i heard that that can bring down the cost... true?!

Insurance companies r evil!!!! :cacker: :arrgg-matey:

Minnnt

[seveer unaek]

I'm now about to have to pay about 480 quid for next year's insurance

Bargain!

One thing that gets right up my nose is that women pay less!! I put in all my girlfriends details in replacement of mine and she's had 2 claims!! (still only 19) and hers was £2100!!! Where's the f*****g justice in that??!!

Oh well, i guess il just be skint for the rest of my days!!

[s0cks]

Aren't they passing a law soon that means insurance companies cannot discriminate between men and women... and that they are all equally good drivers!

Either prices will fall for men and rise for women, OR more likely prices for women will just rise.

[seveer unaek]

They WERE passing a law, but the european court threw out the whole idea... they didnt even entertain it.

Yup, my dad's a vicar! I dont think it brings down insurance, mind you, his 1.4 Ford Fusion2 with lots of extras is only about £200. (esure... for the oldies!)

[s0cks]

Well... at least the Yaris is only group 7 insurance. Find a car with a 0-60 of 8.7 which is cheaper to insure!

[minnnt_ts]

lol@esure! and i dont think we will get lower insurance they will rob the ladies more i think... do u actually beleive it wud b any cheaper if there wernt un-insured drivers about? i dont reckon and who ever owns these companies rnt drivin round in yaris's!!! :ffs: (no disrespect 2 them cos they r quality!!)

Minnnt

[seveer unaek]

Damn good point! And the answer is... Nothing!!

Closest thing is Daihatsu Sirion 1.3 Rally2. That does it in 7.9sec and is in group 8. Granted, its a snip at £10,445, but, its alien-queen ugly!

[minnnt_ts]

rite... i have seen ppl say its got 106bhp wen it says in the book its got 103 and ppl say it goes 2 60 in "under 9 seconds" but the book says 9 seconds! (or is that cos its 62 in 9 and not 60?) please can someone clarify... thanks.

Minnnt

[seveer unaek]

The quotes in book are the official toyota measurements, like mpg figures etc. The other things you've heard come from people who time themselves, or car mags who test the cars on their own specialist equipment (which is usually more accurate) and thats where other figures appear from

[minnnt_ts]

arh rite i see... im new 2 this game u c so im still learnin... thanks

Minnnt

[seveer unaek]

I'm new to this sort of car world, but iv been into cars since i knew they had seats a steering wheel! Therefore, my brain occasionally leaks some useful information mixed in with a lot of crap!

[alanbradley]

I'm now about to have to pay about 480 quid for next year's insurance

Bargain!

Ah yes! But the downside is that I have to live in Inverness

I'm new to this sort of car world, but iv been into cars since i knew they had seats a steering wheel! Therefore, my brain occasionally leaks some useful information mixed in with a lot of crap!

Good line!

Cheers,

Alan

PS Floks, try not to use text speak too much - It's really difficult to read and you'll only get flamed

[meteor]

Well i went with admiral £850 for ten months. im male and its a t-sport plus 19 was 18 at the time with £250 exec but added the girl friend which brought it down from £1050 good tip get her to add a parent to it as added driver that helps.

[Crisis]

Im gonna have a look.

Try this website:

www.confused.com

It will enter you details and find out the best quote for you within the hour! Its FANTASTIC. Somehow my dad found it and its really useful. Searches about 21 insurance companies in the UK for you and gives you all the quotes within the hour.

Try it now, its like the best thing since sliced bread.

[andru123]

... insurance companies cannot discriminate between men and women ...

It's all based on statistics. I've seen the programs which calculate the premium and packages - those are HUGE programs.

THEY run business and if the statistics says that men are worse drivers, they charge more for the extra risk THEY take. I would not blame them.

[seveer unaek]

There's a simple answer to this men Vs women insurance costs. Yes, men probably take more risks because its in our blood, therefore we usually have higher speed accidents which is pricy on the insurance companies. BUT! Women casue the %$(ing things! and they have far more accidents in total (actual car survey found that) but they are low speed scrapes (the REALLY annoying ones e.g car parks) and therefore often dont claim on insurance and opt to pay or they just ignore it and leave. As it comes from the gob of one of these kind of women, Miss Tara Palmer herself:

"I think bumpers are there for when you're parking, 'cos you can go bump, bump, bump, and in."

I'm not a sexist and i know plenty of good female drivers, but at the end of the day, the majority of women dont have as good a sense of space and distance e.g. parking, and pulling out in front of people (grr!) Whereas men are more relaxed at the wheel, losing concentration quicker and therfore having bigger crashes.

Im sure there'll be plenty of arguments about this, but its all in the genes! Just biology!