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Insurance for young drivers!!

Posted: Sun Mar 11, 2007 12:25 pm
by DanJones
Hi Guys,

Im 19 and have been driving for 2 years and 8 months. Ive got pass plus and no convictions or accidents.

Im looking to get a 318is but cant seem to find insurance anywhere that is cheap enough. Even in my dads name we are still looking at paying above £1500 which I cant afford.

Anybody had the same problem? how have you got around it?

Any help would be gratefully received...

cheers Dan

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 12:38 pm
by john-rambo
trust me mate thats relatively cheap im 22 and i pay 980 on a 318i i have 2 years no claims an i have no points but 1 accident ive been drivin 3 and a bit years try adrian flux insurance they shud be able to help oh an a nother thing i wouldnt even bother tellin them about any mods u do they wont even look at ur car if it gets crashed it happened to me

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 12:41 pm
by chicken
im 21 with an IS i pay 1300 on a 10 month accelerator
i have no no claims and it with admiral

winkeye

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 12:46 pm
by DanJones
Ill try admiral and adrian flux then under my dads name and see what comes about, cheers guys!!

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 2:52 pm
by Bob_S
try elephant.co.uk
I was running about in a 318is at 18 with no no claims no points, no convictions etc.
that was £1100 on my own.. with mother on policy too

I sold that in feb and bought an M3 3 weeks ago and have got that insured now..
at a cost, but my god it is worth every penny!

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 5:16 pm
by CaptainSpunky
Try Liverpool Victoria - My bro is 18 has an e36 318is, old man is main driver and hes second, he pays cherry bobs ! Give them a go..

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 5:17 pm
by DanJones
Nice one guys, i was thinkin of an e36 318is too.....ill have a play around on them sites shortly.... Cheers

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 5:26 pm
by DanJones
Liverpool victoria looks awesome.....Cheers CaptainSpunky.....Just got to decide whether i want a e36 or e30 now!!!

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 5:53 pm
by CaptainSpunky
LV is unreal Dan, he's never had a claim with them so dont know what they are like when it comes to that side of it, but price wise is cheap..

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 5:54 pm
by Bob_S
e36 are slower but more refined
e30's are more fun.

Re: Insurance for young drivers!!

Posted: Sun Mar 11, 2007 6:12 pm
by DanJones
Yeah ive heard that before bob, want somethin fun but also want somethin with slightly lower mileage and better bodywork so looks like i might have to end up gettin an e36......absolutely love the e30s just so so hard to find one with decent bodywork!!

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 5:23 pm
by DanJones
Still cant manage to find a company that will insure me on an iS, even under my dads name.....HELP!!!!!

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 5:41 pm
by kadettc
Have you bought the car yet..............? If so why not check into before doing so just to make sure you can.

Good luck.

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 6:31 pm
by SamE30
Just sorted my insurance today

With Admiral

325i touring
im 23 with 2 years no claims £535 which works out as £635 when paid monthly.
was fairly happy with that.

Could have got it cheaper on a classic policy but didnt fall within the mileage bracket

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 6:39 pm
by Greeny
Just tell the insurance company you are 32 like me and your insurance will be cheap as chips LOL. Sorry not helpful.

Try AQuote Insurance. A mate of mine (in Prestatyn) had a similar problem trying to insure his bike and they were really cheap.


Go for the E30 we need all the North Wales members we can get. :D

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 10:27 pm
by billgatese30
try privilege

i managed to get a 325 sport at 18 years old (1 years NCB) under my own name for 1800 fully comp

now i'm 20 with 3 years NCB and am paying just under a grand for the same car

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 10:34 pm
by stuartgallafant
www.quinn-direct.co.uk

or get a classic policy

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 10:37 pm
by m3ben05
that seems pricy mate, i was insured on my M3 at 19 for a little more than that.

Classic car policy wont touch you until your at least 21 (been down that route)

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 10:38 pm
by Bob_S
greeny we aint doing too bad, slowly growing lol!!

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 10:47 pm
by DanJones
Few companies for me to try there then guys...Its such a pain letting insurance pretty much decide what car i can get!!!!

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 10:56 pm
by stuartgallafant
tell me about it dan!!

defo try quinn diredt though. i find they've been silly cheap on some cars i've tried!!

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 11:05 pm
by scotty86d
m3ben05 m3 at 19 you lucker fucker.

try bell too, got a quote for 1100 3rd party on a 325 when i turn 21 in august. 3.5 years driving, wont quite have got 1 years ncb by then,and think thats not too bad

hic as well, give them a go

Re: Insurance for young drivers!!

Posted: Thu Mar 15, 2007 11:11 pm
by 89-325isport
Try ecarinsurance.co.uk i'm 21 with no ncb and got insured on my sport fully comp for £1200.

Re: Insurance for young drivers!!

Posted: Fri Mar 16, 2007 12:07 am
by DanJones
Cheers guys, ill have a look now!!! Starting to lose my patience with these companies!!

Re: Insurance for young drivers!!

Posted: Fri Mar 16, 2007 1:17 am
by Jhonno
im paying 800 FC on an e36 328i n im 22 with an accident

cant believe you cant find a decent price, dont live in a bad postcode do you?

Re: Insurance for young drivers!!

Posted: Fri Mar 16, 2007 11:21 am
by sam325is
try direct line mate, if you dont have any mods. i had insurance on my mums name at 19 on a 325is and it was about 550

Re: Insurance for young drivers!!

Posted: Fri Mar 16, 2007 11:38 am
by fubar1001
got mine with more than £360 fully comp 3years no clims but i am 26 but that is on a 318i no mods
flux wanted £500+ and i was insured with them for 3 years with my rs :?

Re: Insurance for young drivers!!

Posted: Fri Mar 16, 2007 1:59 pm
by DanJones
Everyone seems to be gettin really cheap insurance, i live in a decent postcode, dad has gots loads of no claims and neither of us have any accidents or convictions, dunno what the issue is really!!!! :(

Posted: Fri Mar 16, 2007 2:04 pm
by burnout
try performance direct-got mine 25yr old 1yr ncb classic policy on
325 cab £152 full comp

Re: Insurance for young drivers!!

Posted: Fri Mar 16, 2007 7:02 pm
by Bob_S
i'm the same as ben, i have e30 m3 19, 1yr no claims on an is and nothing else against my name garaged and alarmed

Re: Insurance for young drivers!!

Posted: Tue Mar 20, 2007 9:49 am
by andymn
Just thought i would add my details to this:

e30-325i -------Adrian Flux quoted £198 fully comp---classic policy 3000 miles per year----(no claims disc- not used)

e36-320i se-------ecarinsurance.co.uk £333 inc breakdown cover and installments (11 yrs no claims)

I am 39 and been driving for 22 years and live in dodgy postcodes........mind you I was quoted £1000 off Admiral Ins....LMFAO for the 320

Elephant

Posted: Tue Mar 20, 2007 7:15 pm
by ibriggsy
Wow Elephant were really cheap :o £861.20
I had almost given up hope got some good quotes a while ago but it was looking like I couldnt get a decent quote now. Currently buying a 318iS :D
My history is bad!! If i can get insured anyone can lol
21 - 2 Claims Within the last 14months. (Slowed down now though)

Just dont forget to add a female, either mother or sister as a second driver if you can to your policy I found when doing it Dads didnt drop it much but Mums or sisters do by up to £300.
Hope you get a decent quote mate.
Ian

Posted: Tue Mar 20, 2007 8:58 pm
by uncle_festa
bit stange, i was 19 when i got my 320 and elephant were the cheapest, for somereason it was a lot less to insure than a 318 or a 316.

i paid £450. my mums corsa 1.2 was nearly a grand.

Re:

Posted: Wed Mar 21, 2007 5:08 pm
by dimebag_from_hell
Just telling the insurance companys i live in northern ireland screws me straight away! My mate got quoted 6,500 pound last week, fully comp for his saxo vts! LMAO

Re:

Posted: Wed Mar 21, 2007 8:04 pm
by Brianmoooore
This thread is exactly like all the previous threads on the same subject - next to useless.
The only way to find the cheapest quote is to spend a day or two on the net, spend a day on the phone (better) or go to a good impartial broker.
There is absolutely no discernible logic to the way insurance companies draw up quotes, and each person's details are going to be different, resulting in wildly different quotes for two people in seemingly similar circumstances.