Insurance for young drivers!!

[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

[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

[chicken]

im 21 with an IS i pay 1300 on a 10 month accelerator
i have no no claims and it with admiral

[DanJones]

Ill try admiral and adrian flux then under my dads name and see what comes about, cheers guys!!

[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!

[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..

[DanJones]

Nice one guys, i was thinkin of an e36 318is too.....ill have a play around on them sites shortly.... Cheers

[DanJones]

Liverpool victoria looks awesome.....Cheers CaptainSpunky.....Just got to decide whether i want a e36 or e30 now!!!

[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..

[Bob_S]

e36 are slower but more refined
e30's are more fun.

[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!!

[DanJones]

Still cant manage to find a company that will insure me on an iS, even under my dads name.....HELP!!!!!

[kadettc]

Have you bought the car yet..............? If so why not check into before doing so just to make sure you can.

Good luck.

[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

[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.

[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

[stuartgallafant]

www.quinn-direct.co.uk

or get a classic policy

[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)

[Bob_S]

greeny we aint doing too bad, slowly growing lol!!

[DanJones]

Few companies for me to try there then guys...Its such a pain letting insurance pretty much decide what car i can get!!!!

[stuartgallafant]

tell me about it dan!!

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

[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

[89-325isport]

Try ecarinsurance.co.uk i'm 21 with no ncb and got insured on my sport fully comp for £1200.

[DanJones]

Cheers guys, ill have a look now!!! Starting to lose my patience with these companies!!

[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?

[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

[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

[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!!!!

[burnout]

try performance direct-got mine 25yr old 1yr ncb classic policy on
325 cab £152 full comp

[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

[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

[ibriggsy]

Wow Elephant were really cheap £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
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

[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.

[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

[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.