Quinn tend to be competitive for new drivers, rubbish if you need them to do anything though

 

Depends on your age, the car you want to insure, and if there's anyone you can add as a named driver (girlfriend, wife, mum).

The bit comparison sites are usually a good place to start, followed by going direct to the cheapest insurer.

 

I usually find that Direct line and Tesco help me best... Just try to keep the car unmodified, keep the engine low ect... be realistic, do you live quite close to the city and will probably take the bus or walk to work/uni/school most mornings? if so it could mean that you're doing lowish miles and if you put your anual milage lower could lower your premium slightly as insurers see you'll spend less time on the road... But be honest with this please. dont need it for work or studies? instead of domestic leasure and commute just put down for domestic and leisure use? although please be honest with this aswell as if you have an accident during the commute they might ask why you were traveling to work in your car ect... do a quote for both fully comp and TPFT cos sometimes have Fully comp is actually cheaper! if the car aint worth much and you wont get much back being fully comp go for TPFT if its cheaper and you're happy with it. have higher excess? if you increase your excess it could lower your annual premium, but in case of accident you may have to fork out a couple of hundred... usually younger drivers and new drivers have a high, compulsurary excess though... first time insuring your own car but have driven another car in the past as named driver? could make you eligable for named drivers no claims. when i was learning i bought my own car and insured it under my brother so he could teach me in it and he also used to occasionally... when i passed phoned insurers to tell them i've passed, 2 weeks before the policy ran out, and when i renewed i had 1yrs named driver NCB. Fit your car with Insurance approved alarms/immobolisers/trackers? prevents theift and in case of theift tracking the vehicle could be easier. safety caps? some insurers give young drivers opportunities to volunteer themselves to a cufue for driving, this meaning say between 10pm-6am your car stays stationary and you're not allowed to drive it. not meaning you cant in say an emergency but between these times its usually a PAYG system...

Hope this helps

And welcome to the roads

 

Im 17, hopefully gonna pass my test this April. Rover 111SLi.

I was going to add my Dad as a named driver. He will be driving the car, so Ill not be scamming them.

 

As im not going to be driving a lot and the car is already registered in my Dad's name we could do a policy where he is main driver and myself as named driver. If I were to have an accident as a named driver, would it affect my dad or any future policies he carries out alone?

 

Yes, he would most likely lose his no claims he's used on the policy + in future he may have to say that he's made a claim whether at fault or not... if you do have an accident you and your father may be questioned at why YOU were driving the car in this particular day and where YOU were going and why wasnt your DAD driving the car ect... named driver is only really supposed to be used when younger drivers are exposed for going to the shops ect... and not really used for there own purpose.

 

why are insurance companies such money grabbing bar***rds :s lol

Its stupid. The way i see it is, if you are a named driver, you should have as much right to drive a car as the main driver.

What if u were a couple that share a car? Then you would both drive equally, but one has to be the main driver? Stupid.

This is ******* me off, I just want a quote with me as the main driver with my dad as a named driver for about £1300.

 

Lol i understand your frustration, but today everyone has to pay there dues when it comes to insurance, just wait till you're a bit older and you'll be laughing! but seems to have risen a lot the last few years to be fair, My first year as a named driver as i was still learner was about £800, first year by myself was £800, second year in my rover was £800 and this year is £800... seems like my cars get faster and more power, but all insurance stays the same! funny that aint it?

 

My mate has a Punto of which he is the owner and main driver (provisional) with his mum as a named driver. He is with Quinn and its really cheap. (£800 ish) I go on there with the same scenario for my Rover and it coems up 4 grand!!!!
Ive been doing some quotes online today with different scenarios. In the last half hour ive had 3 of them call my house!!

Would you say calling them up gets better deals?

 

completely up to yourself mate, if you're not happy with what the WWW. is giving you then by all means phone them up, in the end it doesnt really cost you anything but time.