I havent tried adrian flux or sky yet so will ring them up for a quote.

Sonner yours is very cheap for the stuff you got against you lol.

my postcode area is rated B, which is OK.

im just very tempted to do the 10 month policy and try and get some decent no claims for when im 25 then it goes down alot then (25 seems to be the magic number these days)

DRINK DRIVE ban in 2007 for 12months,

next year my dr10(drink drive) and first fault claim come off my license

Hate to be the bearer of bad news but DR10 stays on your licence for eleven years - DVLA Page

Would be indefinite if I had my way!

Octavia vRS 1.8T

Me and my partner

Aged 29/28

Fully comp

7 years no claims (Protected)

No points

Mods – Remap, exhaust, filter. (215bhp’ish)

6000 miles/year

£630 (£100 excess) With Flux. That’s total, not each.

(That’s a quote ready for February, we don’t actually have the car yet)

I do feel for you sensible younger drivers however I also sympathise with insurance companies.

In the past month I have seen the aftermath of two crashes and been told about one more.

The one I saw yesterday was a Corsa that had hit a farm wall on the opposite side of a 30mph road. The week before a Saxo had rolled approaching a 30mph village from a national. The other I heard about was a local lad who wrote off a Saxo on a national limit road, both driver and passenger were lucky to be alive.

In all three cases the drivers (according to the paper) were ages 18 to 21 and quoted excessive speed combined with inexperience as being the cause.

Hate to be the bearer of bad news but DR10 stays on your licence for eleven years - DVLA Page

Yes but done they not noramlly ask for the past 5 years? So after next year i`d not need declaring.

Would be indefinite if I had my way!

+1!

I'm 23 tomorrow, got 5 years NCB, no claims or points and I paid £460

I'm 23 tomorrow

Happy birthday

I`m 22, 3 years NCB, £1000, but that is with my Mrs on who is 20. Its slowly coming down so i`m not too fussed. The first year with no NCB is the real killer £1700 on a 1.2 Punto :'(

Happy birthday

I`m 22, 3 years NCB, £1000, but that is with my Mrs on who is 20. Its slowly coming down so i`m not too fussed. The first year with no NCB is the real killer £1700 on a 1.2 Punto :'(

By the time you're 25 with 5+ years NCB you will see it plummet... trust me.

Also guys another thing to think is what your excess is. The higher that is the lower the premium.

Ours is £100 I believe.

Phil

Blimey! I can't believe how much you lot are paying.

I have all 3 cars insured on a multicar policy via admiral.

I live in a b grouped area, all mods to the vRS and MX5 declared.

SDI is standard.

Me, 38, Full no claims, licence since '92,

Mrs Grr 28, 3 years no claims, Licence since 2007

Mrs Grrs mum, over 45. Licence since 80's Zero no claims(only ever had company cars).

All 3 cars are fully comp with protected no claims and we can all drive everything

except Mrs Grrs mum isn't covered to drive the vRS. :p Don't trust her in it LOL

Total for 12 months. £1100 (under 400 a year per car) Can't complain about that.

To highlight the difference.

When we got the SDI, for Mrs Grr alone after 1 year on the road,

we were getting quotes around the £2k mark.

Multicar really works for us. And each driver builds their own no claims up

too so we could insure separately again in the future if that works out

cheaper. But I doubt it will.

22yrs old, driving 5yrs, 0yrs ncb

1 fault claim in 2008

1 fault claim in 2010

DRINK DRIVE ban in 2007 for 12months,

sp30 speeding ticket in march this year 3points

and careless driving (not sure of the code) but another 6points last month.

Insurance £563 per annual. (paid annually to avoid ridiculous 20% interest charge)

on my Felly 1.6 with suspension mods advised.

already checked quotes for vRS estate, insurance goes down to £504.

now if thats not reasonable then i don't know what is.

next year my dr10(drink drive) and first fault claim come off my license

You'll be pleased to know your DR10 conviction has to be notified for up to 11 years :S

Endorsements stay on a licence for:

• 11 years from the date of conviction for the

following offences:

– drink/drugs and driving,

– causing death by careless driving whilst under

the influence of drink/drugs, and

– causing death by careless driving then failing/refusing to provide a specimen for analysis.

• 4 years from the date of conviction for reckless/dangerous driving and offences resulting

in disqualification

• 4 years from the date of offence in all other cases.

http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425 if you want more information

Edited 21 December, 201114 yr by adamc260

1324477276[/url]' post='2618653']

You'll be pleased to know your DR10 conviction has to be notified for up to 11 years :S

Endorsements stay on a licence for:

• 11 years from the date of conviction for the

following offences:

– drink/drugs and driving,

– causing death by careless driving whilst under

the influence of drink/drugs, and

– causing death by careless driving then failing/refusing to provide a specimen for analysis.

• 4 years from the date of conviction for reckless/dangerous driving and offences resulting

in disqualification

• 4 years from the date of offence in all other cases.

http://www.direct.go...ons/DG_10022425 if you want more information

Alas i think that while it stays on your licence for 11 years there is no obligation to inform he insurance companies unless they ask, and most companies seem to only ask about the last 5 years. To me this is extremely unfair as a standard speeding ticket is off your licence after 4 years yet will affect your insurance for 5 while Drink/Drug driving stays on for far longer than the companies seem to care about!

Anyway we are getting a bit off topic here.

GJIB the drink drive stays on license for 11years, i know this.

i meant to say that insurers ask what you have had in the last FIVE years, so i meant i don't need to notify them of it

GJIB the drink drive stays on license for 11years, i know this.

i meant to say that insurers ask what you have had in the last FIVE years, so i meant i don't need to notify them of it

Sonner,

If you look at my post, just above yours, that is what I have said. I just feel it is unfair on people who have points which only last for 4 years get taken into account for 5 years yet the drink drivers and other similar length offences get basically ignored for the last 6 years.

Listen to this then.

I am 32 have 5yrs NCB - My 6 year old 1.6 Mazda 3 was ins group 5 out of 20 under the old system, drive 12-13k miles a year, parked on the road.

My renewal has just come through for £660. I got a quote off Sky Insurance and the best they could do with Briskoda "discount" was £800!

For some reason (probably address) I will never get cheap car insurance.

1324551211[/url]' post='2619632']

Listen to this then.

I am 32 have 5yrs NCB - My 6 year old 1.6 Mazda 3 was ins group 5 out of 20 under the old system, drive 12-13k miles a year, parked on the road.

My renewal has just come through for £660. I got a quote off Sky Insurance and the best they could do with Briskoda "discount" was £800!

For some reason (probably address) I will never get cheap car insurance.

I think the problem you have may be more down to area rather than you.

Alas i think that while it stays on your licence for 11 years there is no obligation to inform he insurance companies unless they ask, and most companies seem to only ask about the last 5 years. To me this is extremely unfair as a standard speeding ticket is off your licence after 4 years yet will affect your insurance for 5 while Drink/Drug driving stays on for far longer than the companies seem to care about!

Anyway we are getting a bit off topic here.

Many companies don't actually rate on some convictions. I've updated many an SP30 in work for no charge.

20,

fabia vrs

fully comp

2 years ncb

£830

20,

Fabia vrs mk2

fully comp

2 years ncb

£1000