How do you 17/18 yr olds get insurance ?

[AngelusUK]

You should try admiral.
If it's a pre '90 car it's very cheap.
I am 21 with no-ncb and I had an accident in Feb last year, and they quoted me £84 a month for a '89 320i.
Not bad as Direct Line quoted me £150 a month!

[m3ben05]

Id say that was a bit expensive mate, im paying much less than that for my M3. I do have a bit of NCB but id still expect a 320 to be cheaper

[AngelusUK]

Looked EVERYWHERE, and that was the best quote.
I also only got my License in Nov 2005.

[m3ben05]

I also only got my License in Nov 2005

Ah, maybe that explains it then mate. It still might be worth trying tesco (if you havent already), they gave me the only sensible quote when i got the car a couple of years ago

[AngelusUK]

Looked at tesco, again stupidly expensive.
The Joys of waiting till 20 to get my license

[tim-ix]

www.confused.com

or

www.moneysupermarket.com

or phone specialist brokers for high-risk drivers, like Adrian Flux as mentioned before. And good luck.

[E30Mark]

I just got a quote for my sport, £284 fully comp.... read it and weep younguns!

You know how to cheer up the young ones...

I only paid £98 FC on my MGBGT, breakdown cover the lot! the only good thing about getting older......

[dimebag_from_hell]

it depends on postcode! i dont see what alot of you guys whine about when talking about insurance! i live in northern ireland, my friend insured a group 2 1.1 saxo, for how much? £1800!!!!!! he is 19 years old and that was the cheapest quote he could get! most of the young guys in northern ireland driving bmw's just dont have insurance, simple as that. Over here if you are 17, you usually wont even get a quote for a pugeot 306 d-turbo! you guys over there on the mainland dont know your living, plus who needs a bmw as a first car anyway??? hes going to be tearing it up, you start learning to drive when u get on the roads yourself, i think you would be very foolish to just let you son have a bmw as a first car, give him somthing to arse about in and to give him some experience

[oldroydsr4]

Try www.admiral.com
when i was 19yrs old with 3 points and 2yrs no claims , had a chipped and pullyed polo g40 for £900 fully comp, worth a try.(live in middle of no where tho.)

Saying that, even tho it was quicker than the 325i i replaced it with they wouldn't insure me(rwd , bmw, must be 25 etc)

you are just gunna have to spend half a day searching

Insurance companies like to take as much as they can!

Good luck

[1an]

I found out postcodes make a difference. if you have family living in a nice part of the country you will notice a big difference. eg when I was 17 quoted £3,000 pounds mk3 fiesta in tottenham. beckenham postcode same policy 1200. big difference? when I was 19 in beckenham kent postcode with my girlfriend 23 as policy holder and few no claims bonus on a 325 e30 £480 fully comp 320 e30 £440. got the 325i that was with direct line.
Or try the policy in your sons name with you as named driver.they seem to think different for some reason. or just suffer it on a 1.2 clio or similar to get that 1 years no claims.

wouldnt be seen dead driving any car like that around,

p.s thisi s for me who kevin (my dad) is talking about, plus when insurance allows it i can drop a 325 lump in

[E30Adam]

it depends on postcode! i dont see what alot of you guys whine about when talking about insurance! i live in northern ireland, my friend insured a group 2 1.1 saxo, for how much? £1800!!!!!! he is 19 years old and that was the cheapest quote he could get! most of the young guys in northern ireland driving bmw's just dont have insurance, simple as that. Over here if you are 17, you usually wont even get a quote for a pugeot 306 d-turbo! you guys over there on the mainland dont know your living, plus who needs a bmw as a first car anyway??? hes going to be tearing it up, you start learning to drive when u get on the roads yourself, i think you would be very foolish to just let you son have a bmw as a first car, give him somthing to arse about in and to give him some experience

But those are typical boy racer cars dude, insurance companies always hike the premiums because they know young lads will be ragging the crap out of these types of car most evenings with all their mates.

If you get a car that's not "the norm" for youngsters you'll find the insurance premiums aren't too bad. I know of someone who had a 3 litre (I think) Jag and his insurance wasn't too different from his mates "hot" hatches.

[Bailey]

When I first got insured i went on my mums policy as a named driver, and i payed both ours and her insurance (worked out to be about £500) but that was a few years ago... I know that its a bit naughty being effectivly the main driver, when your only suppose to be the 'occasional driver' but they who can prove it...

Have you tried joining a bmw owners club? this knocked loads of my insurance, and also, what bout your lad taking his pass plus? its about 70 quid or something, and my mate halfed his insurance in the first year... Good look!!!

Oh, seen as though everone else is braggin about there prices, i've got a 2.5 cab, and fc mines 950, which for a 21 year old on his own policy with no noclaims rocks!! thats with Lancaster.

[dimebag_from_hell]

a group 2 saxo or a bmw! its obvious what is more dangerous to drive, no 17 year old over here would get a quote for a car like that unless it is second driver or somthing dodgy! mate your talking about dropping a 325 lump in, you dont even have your own car yet! the fact is your 17 which is a risk full stop, so no insurance company wants you driving a bmw!

[mo_yassin]

try ecarinsurance. theyve given me some reasonable quotes and im in northern ireland! should be good in england i'd imagine.

[gareth]

one obvious point that many people don't think of is to hammer down the best quote. get your best quote and go back to the closest (higher) priced companies with it. they'll usually meet or beat it. repeat until you're blue in the face

for the money savings involved, buy a few car mags (max power, bmw mags, classic car mags) and ring EVERYONE!!! spend a day over it and you will often get the price down to about 60%/70% of what you'd pay otherwise.

i knew someone who worked for hastings direct (cheap btw) and after 2 weeks there she was authorised to give up to 50% discounts if it got them the business. they don't want to as they're on comission and it costs the person on the phone money. they will try and get the price up at an inflated rate the following years though so have none of it and shop around again! i did get a years cheap insurance out of that though

[325bhpbruiser]

When I first got insured i went on my mums policy as a named driver, and i payed both ours and her insurance (worked out to be about £500) but that was a few years ago... I know that its a bit naughty being effectivly the main driver, when your only suppose to be the 'occasional driver' but they who can prove it...

Have you tried joining a bmw owners club? this knocked loads of my insurance, and also, what bout your lad taking his pass plus? its about 70 quid or something, and my mate halfed his insurance in the first year... Good look!!!

Oh, seen as though everone else is braggin about there prices, i've got a 2.5 cab, and fc mines 950, which for a 21 year old on his own policy with no noclaims rocks!! thats with Lancaster.

like i said mate earlier lancaster are the business for me also the the above post hastings is the same company as lancatser so good deals to be found.
another thing is i have a mate who is on the spanners and he is only 19 no no claims only just passed last 12 months got a traders policy with tradex who am with for 900quid TPFT and a restriction of 1800's worth a look mate plus you have benefits like anycar in his possesion is insured, worth it for peice of mine if he screws his mates cars round too at leaste you know he is always insured.

[Morat]

fwiw,

COMPANY PRICE APPROX
EXCESS LEGAL
COVER COURTESY CAR PAY MONTHLY
(subject to credit policy)
Swinton £353.98 £500 +£9.95 included 1x £64.90 + 10x £32.45

thats the best I got from confused.com for comprehensive insurance. I valued my 325i Touring at £1200. 12k miles pa.

I'm 34, GF is on the quote and had £750 claim against her last year. She's 36. Parked on the street in York. No modifications, only 2 years no claims after returning from Germany.

[samr]

Hey. Ive got a Black 2dr 318i. Im 18, and have one years no claims. My policy was £1000 fully comp with RAC. Personally I found all of the specialist performance and young drivers to be very expensive, and Confused.com is a definite no no. Hope this helps

[baxter]

try ecarinsurance. theyve given me some reasonable quotes and im in northern ireland! should be good in england i'd imagine.

thats who i am with

20 years old, 21 in feb, been driving since i was 18, but kept swaping cars and insurance companys, so iv only got 1NCB
covenrty post code
E30 320 with 325i engine fitted!
£800ish! TPFT with mods