help 18yr old , 316 insurance

[Bally]

hi guys need our help my son is 18 takes his test on Sat will also do pass plus, wants an e30 316 , problem is best quote we can get is £3600 the car is £400 he has no claims , anyone else had this, who did you use for your first car (even a 2005 1.0 vauxhall nova is £2800) this quote was third party fire and theft help appreciated...

[E30BeemerLad]

try search engines like confused.com

but prob best approaching specialist brokers like adrian flux, Herts Insurance Consultants. Some direct insurers are not bad, so try bell direct. Some younger lads on here have mentioned Nationwide too

[maxfield]

[Kos]

are you in n ireland by any chance ?? thoes quotes are shocking

just ring around, a lot of small brokes can get good prices, failing that insure him under you name !

[Kos]

you worried because you wont get insured on daddys M3 !!! LoL

you'lll have to be 25 before they that happens!!

[maxfield]

I know but i wont get it for ages anyway so doesn't matter. i'm thinking why is it so expensive not be long before i get my first car

[Kos]

new driver, prestige and powerfull car, thats what the brokers and insurance companies see

regardless if its a £400 car, and that its slow in bmw terms

they have to look at the liability issues if he hit another car and what thats gona cost them to put right

also where you live affects you premium a fair bit

[maxfield]

Oh great If where you live affects it they'll be wanting my limbs not jsut arms and legs

[Kos]

Oh great If where you live affects it they'll be wanting my limbs not jsut arms and legs

legs and arms are your limbs!!

i've got 3 mates in the insurance game, so i'm always sorted and have been since i started driving !!

[maxfield]

Oh well 1000cc for me Looks like a garage is on the cards aswell to. Oh well a couple of years yet.

[billgatese30]

try privilege

i got insured fully comp on a 325sport with one years insurance at 18 for only 1850 a year

http://www.privilege.co.uk

[oguz327]

only 1850

[oguz327]

only 1850

i suppose thats pretty good for the age and fully comp.

[Jhonno]

try elephant and admiral and put you or your wife on the policy also

[Bally]

Thanks for the tips will try the people suggested . will post best option .thanks again let me know of any other

[dark_sounds]

halifax was thecheapest for my first car. though still thasts a bit much, then again i paid 1800 for a 1.4 polo

before he does pass plus, ask the insurance companies for a quote with and one without,, not many insurance companies accept it, and those who do accept it,,,, tend not be the cheapest

eg:: company X does not accept,,,, but offers 1000£
company Y does but offers 2000 without,, and 1200 with

stil better of with company X and no taking pass plus, hence saving more money

[Motorhole]

If he's a student try Endsleigh, they offer a 30% student discount...well the used to anyway. Made them the most competitive quoters when I had my first car, Orion 1.6 16v

[Theo]

I think in reality what many young drivers do for insurance in the first year is drive as a named driver on a policy taken out by one of their parents. Will cut the quote down alot. Hope this helps, by the way nationwide and churchill are good bets for insurance for young people.

Theo

[WillG]

yeah my bros on my mums insurance with directline as he still lives at home, £540 for 19 year old on a 325i sport and they give him no claims aswell just as named driver, it doesnt say anywhere in policy that my mum has to do more miles then him either

[Theo]

He will only get a no claims bonus valid for use on a future direct line policy, the no claims is not recognised by other insurers. Still a good deal though.

[Cotty]

If you dont plan on doing lots of miles a limited milage policy might be a good idea

[bmwe30mtech]

I think in reality what many young drivers do for insurance in the first year is drive as a named driver on a policy taken out by one of their parents. Will cut the quote down alot. Hope this helps, by the way nationwide and churchill are good bets for insurance for young people.

Theo

Yer this is good but you dont build up a no claims bonus. Also im told these premiums are going to rise a lot soon because of people doing this.

I was in the same situation last year when i was 17 and learning on a modified 318i e30. I was quoted between 3k-5k, silly money.
Try NU.

[Bob_S]

dont try NU they are shite!

try elephant there are a few ins and outs with elephant but they quote cheap!

[tez]

Endsleigh are the ones to go for my son just insured e36 318 1st insurance £1850 fully comp 7000 miles per year aged 20, i dont think thats bad.

[SCOTT325SE]

hi guys need our help my son is 18 takes his test on Sat will also do pass plus, wants an e30 316 , problem is best quote we can get is £3600 the car is £400 he has no claims , anyone else had this, who did you use for your first car (even a 2005 1.0 vauxhall nova is £2800) this quote was third party fire and theft help appreciated...

you either live in Ireland or in Bahgdad city centre with a quote like that! at 17 on a 318 i got quotes of around 1900 from people like adrian flux and tesco.

[alan325i]

cant you insure the car in ur name and have him as a named driver? c if that works out cheaper

[appletree]

If you cant get him insured on his own Direct line do that thing were the named driver can still build up no claims!!

when i got my first car 2001 1.2 8v mk2 punto it was £2030 fully comp with a company called Liverpool victoria they also dont count Alloy wheels as a mod which was the big problem i had.

Also they dont give you any money off for pass plus BUT if you dont have a claim in the first year at the end of the first year you get 2 years no claims rather than 1 so i'am 18 with 2 years no claims.

so even though you might pay a little more than the other companies you dont have to pay for youre pass plus and then the next year you can move to a different company and have more no claims and a bigger discount!

am paying £1400 on a 318IS

[garymillscab]

when i was 17 my first car was a 318i and the quote was 1800 quid third party which wasnt bad considering for an escort it wasnt far off that. that quote was with elephant .

I also found that the difference between 318 and 316 was only around 50 quid

[appletree]

Dont know what cover you were looking for but when my dad rang the AA for a qute on a 325is it was £40 odd more to have thired party over fully comp ?? so it might be worth getting a quote for both just incase its the same for your son