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truman69

Member

Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline

25th Jul 07 at 19:32

well ive turned 19 and i want a clio 172 everyone tells me you will never get insureance well been looking/ringing around they want 2000+ i went on my dads at 17 so i never got a NCB but i went on money supermarket and sed i had 2years NCB got it down 2 1400 which i would pay but i dont have the NCB

so if any young drivers are lookin 4 insureance make sure your main driver pays of in long

i really want a clio 172 guna have 2 insure my corsa in my name 4 a year they maybe look at a 182

in a years time and hope i get the NCB

thanks 4 readin

Robin

Premium Member

Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline

25th Jul 07 at 19:33

I did the same and regret it, I'd have 3 years NCB now, not 1.

truman69

Member

Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline

25th Jul 07 at 19:35

am really pissed of with it lol

Toby

Premium Member

Registered: 29th Nov 05
User status: Offline

25th Jul 07 at 19:55

im on my dads policy, but direct line is where its at only costs me something like 38 quid a year to get my own nmo claims bonus, sorted

truman69

Member

Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline

25th Jul 07 at 20:19

thats sounds really good mate how old are you?

Corsalad87

Member

Registered: 17th Jan 04
Location: Trimdon Vill near Durham
User status: Offline

25th Jul 07 at 20:21

20 2yrs no claims bonus on an r32 is £1348 fully comp for me

Wrighty

Member

Registered: 28th Feb 04
Location: Howden
User status: Offline

25th Jul 07 at 20:24

i bit the bullet, got my own insurance at 17 im now 20 and drive a scooby turbo with my own policy + NCB

everyone else on there mams insurance have nowhere near a decent car as me either so i dont see what they gained

[Edited on 25-07-2007 by Wrighty]

Haimsey

Premium Member

Registered: 8th May 05
Location: Nottingham Drives: Corsa B
User status: Offline

25th Jul 07 at 20:43

i had my own from the start

all my mates went on daddys

and slagged me off for going the "expensive" route

now whos laughing

i have 2yrs NCB, they have 0

Marcy Marc

White Sport Progress Thread

truman69

Member

Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline

25th Jul 07 at 20:53

end of the day 4 me it was about money but i should of gone on my own after the 1st year be 2 years with no NCB

mite just go 4 it and pay it got it down to 1750 on a 172

John G

Member

Registered: 18th Jul 05
Location: Wirral, Merseyside
User status: Offline

25th Jul 07 at 23:14

quote:
Originally posted by Robin
I did the same and regret it, I'd have 3 years NCB now, not 1.

smap its wel shit but not much you can do, if you can afford it at 17 id advise anyone to start off there policy asap

Dav

Member

Registered: 23rd Jul 02
Location: Falkirk, Scotland
User status: Offline

25th Jul 07 at 23:18

quote:
Originally posted by CorsaB4ever
im on my dads policy, but direct line is where its at only costs me something like 38 quid a year to get my own nmo claims bonus, sorted

Same. I earned my own NCB on my parents Direct Line policy.

FasT09

Member

Registered: 4th Feb 05
Location: North Yorkshire
User status: Offline

26th Jul 07 at 08:28

Ye I started on my own insurance aswell while my m8s were under their parents. I was paying 1100 for a 1.2 8v lol and got stick but now im 21 3yrs ncb and drive clio 172

so glad i kept the corsa for 3 years or so to build no claims. Even though it was slow loved modding it anyway.

Hamish

Member

Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline

26th Jul 07 at 08:37

i started my own policy at 18, and people slated me. Now im 21 ans 3 years no claims. I point and laugh in their faces

broster

Premium Member

Registered: 6th Dec 02
Location: Drives: E39
User status: Offline

26th Jul 07 at 08:45

i had a car tht was cheap to insure, went on my own, mates had 106 xsi/gti's etc on parents insurance..... now i have some reasonable cars and they have shitters.... always nice!

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

26th Jul 07 at 08:48

Easy way to look at it is you'll have a car and insurance for life. Start at the expensive bit for 3 years, you aren't really going to lose out.

I didn't get a car when I was 17 or 18 really. Got my own car towards my 19th birthday for Uni. Unfortunately had a crash this year so won't gain NCB, but when I leave Uni I'll hopefully have a few years

Kurt

Member

Registered: 23rd Oct 05
Location: Hi
User status: Offline

26th Jul 07 at 08:49

i used to work for my dad and i needed a car for college so my parents payed my insurance but only as a named driver, had a smash a year or two ago that put it up and then i had a different part time job but still couldnt afford it so again named driver, with this car they just changed the car on the policy, well wish id taken out my own would have a year ncb by now

charlessurr

Member

Registered: 15th May 05
Location: Sheffield
User status: Offline

26th Jul 07 at 08:55

I had my own insurance from 17, i turn 21 in august and get my 4th year no claims in april, then ill be laughing!

Can anyone tell me which insurers allow you if you have fully comp insurance to drive any other car third party and are thier any stipulations.

Ive thought about insuring a 1.2 corsa fully comp then driving what i please, is this possible?

Dean_W

Member

Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline

26th Jul 07 at 08:57

I was on a traders policy from 17-19, Direct line took the no claims. Quite lucky really.

Planty02

Member

Registered: 5th Mar 05
Location: Burslem, Stoke-on-Trent
User status: Offline

26th Jul 07 at 08:59

Went on my dads policy as a named driver when I passed at 19

Just got my own policy at the last renewal when I was 21. To be fair it was only £640 with 0NCB on my old 1.4 8v B, went up a bit for the C though

now about £800

1NCB in December

AdZ9

Member

Registered: 14th Apr 06
User status: Offline

26th Jul 07 at 09:29

I'm with Direct line to. When i was 17 i was in full time education and working part time so never really had the money to pay for my car aswell so i went on my dads name for the first 2 yrs, its now my 4th year in october and because its direct line they class it as my own NCB now when i switched to my own policy!

Only shit thing is if i leave direct line i wont have 4yrs NCB will i, will only be 2? Or can I leave them and keep the 4yrs NCB?

richc

Member

Registered: 24th Mar 07
Location: Ilkeston
User status: Offline

26th Jul 07 at 16:36

quote:
Originally posted by Haimsey
i had my own from the start all my mates went on daddys and slagged me off for going the "expensive" route

now whos laughing i have 2yrs NCB, they have 0

But i go with me parents and saved 1000 quid this year....ill save about 2.5 betime im 20 and i dont think having no NCB is going to cost me 2.5 k so what is everybody on about!

Kyle T

Premium Member

Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline

26th Jul 07 at 17:21

I paid 1400 on my first car (12v Corsa) at 17, this was only TPFT but it was worth it, as the next year it dropped to 700 odd, then I sold it and insured the ibiza for £700 fully comp, and I have 3yrs NCB

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