Help!! MCS Young driver e.t.c.

[Michael_Works]

Hi guys,

Having the usual dilemma:

Young driver, MCS, stupid prices!

Best quote I've had so far is £2000 fully comp with my parents as 2nd drivers, that was with Bell.

I thought Adrian Flux was going to wipe the floor with that, but they came up at £2500, ive heard of someone in exactly the same position as me on this forum who got it for £1500, thats why I'm so

I live in a very good area, 19, driving for 2 years, no claims or convictions e.t.c.

Any advice and help would be appreciated, thanks

[danb]

I'm a year older than you, same NCB and a good postcode - paying £850 a year with Admrial (AF quoted me £830 but wouldn't insure my gf as named driver).

I actually paid £450 when I was 19 with 1 year NCB, but that was because Admiral cocked up big style

What mileage are you putting down? Make sure you don't over-estimate it, if you drive less than 5k a year most companies offer a low mileage discount

[Richard Crofts]

When I was 23 I bought a normal Cooper for 16k new. I had 6 years driving with an accident 5 years previously (didn't have to declare as i was asked about 3 years) no points etc and I could not do better than £1095 so personally I would not expect you to get less than 2k TBH. Oh and I live in an area classed as one of the lowest insurance risks with the car in locked garage (i live in the sticks with a private lan and then gated drive!

I'm afriad at 19 no matter where or what you have done an S insurance is going to be extortionate...just like a clio 187, focus st or astra vxr will be

Good luck but i think you'll find other than by scamming the insurers you'll easy pay over 1500 and probably not under 2k

[FergusM]

Try A-plan insurance...

...and watch with Bell / Admiral / elephant (same company), if you have a write off 1 day into the policy they keep the rest of the years premium and won't transfer to a new vehicle !

And try with your mother/father named as a driver, can sometimes reduce the premium.

[danb]

Quote: Originally Posted by Richard Crofts (original)

I'm afriad at 19 no matter where or what you have done an S insurance is going to be extortionate...just like a clio 187, focus st or astra vxr will be

Good luck but i think you'll find other than by scamming the insurers you'll easy pay over 1500 and probably not under 2k

Im not scamming the insurers, and Im way under 2k. I had quite a few quotes of under 1k, and didn't have any over 2k.

[BlackMiniMac]

Dont forget that it depends on your job as well as your home postcode. Want proof? Try putting your occupation down as nurse.

[danb]

Quote: Originally Posted by BlackMiniMac (original)

Try putting your occupation down as nurse.

I know 2 nurses, and I wouldn't let either of them out in my car

1 crash a year is good going for one of them

[Bhozar]

Dont put your occupation down as barman or chef. I could never get insurance for a decent price when I was either of those.

Jeezz Crofty, When I was 24 with 0 NCB I managed to insure a Polo GTi fully comp for £1097. When I switched to a Cooper at 25 the insurance was only £500. Both with Direct Line. I only left Direct line when I bought the JCW because they quoted me £1200 with no mods!

[danb]

The thing with young driver insurance is you really do have to shop around, the quotes vary dramatically.

[Michael_Works]

Cheers for your replies guys: Latest news is 99% of quotes are 2k plus . . it's a joke, because my job isn't high risk, 5kmiles a year, I live in a very good area and have had no claims, convictions e.t.c

I would like to point out though, I've got no no claims discount, Ive been driving as a named driver for two years. I think I may have to start with a cooper for now, build up some no claims e.t.c unless anyone can reccomend a smashing company to go for? best quote I've got on a cooper though is £1400 with Bell.

Michael

[DSapseid]

try ecar insurance - not esure. My bro has just brought a classic and they were £500 less than everybody and i mean everybody i spent about 3 days straight on the net and phone.

www.ecarinsurance.co.uk

[Jaw_F430]

I had just turned 19 when I got my mini cooper s and I had to put my dad as the main driver and me as the named driver, I have annual milage at 25000 and my quote was £1500 but I think they made a bit of a mistake because I am 20 now and my renewal was £1800 last year. I am with Norwich Union Direct. This year I am hoping to go on my own insurance using NCB off my motorbike and I have done a quote at £1300.

Regards

James

[West9]

Quote: Originally Posted by Jaw_F430 (original)

I had just turned 19 when I got my mini cooper s and I had to put my dad as the main driver and me as the named driver, I have annual milage at 25000 and my quote was £1500 but I think they made a bit of a mistake because I am 20 now and my renewal was £1800 last year. I am with Norwich Union Direct. This year I am hoping to go on my own insurance using NCB off my motorbike and I have done a quote at £1300.

Regards

James

Mmm Insurance Fraud.