Hi all, i was wondering why the hell they want me to pay £2350 for my first year insurance with a black box and my nan and auntie as 1st and 2nd driver with 30 and 14 yr no claims bonus. Anyone know alternative ways to get cheap insurace.

Ps. Car is a skoda fabia vrs 1.4L dsg

Welcome to the forum.

vRS Insurance was not particularly expensive for young drivers and was the reason many had them.

 

So it will be to do with you, your location, job etc.

?

Will both the named drivers actually be driving or are they there to help bring down the cost?

Named drivers with good NCB do not always mean the insurance will be less, so maybe try with just one on the policy, and the one with longest NC might not be the best to keep on the policy.

If you think they are taking the p1ss its probably because you started it!

 

my nan and auntie as 1st and 2nd driver with 30 and 14 yr no claims bonus

Quite simply its all about risk (for the insurance company)

 

You havent given full details but heres a list of some of the things they take into account

 

Fabia VRS 1.4 DSG insurance is especially high group 27 (our new high spec Superb is group 19, our fabia 2 1.2htp is group 2)

 

Any modifications or extras

 

Your age

 

How long you've had a full licence

 

Where you live (to do with insurance claims associated with the surrounding area)

 

Your occupation

 

Your credit rating

 

Any accidents, claims or convictions in last six years

 

Where the car is stored

 

Use of car (social and domestic, commuting, business use)

 

Annual mileage

 

Age of all named drivers, their occupations, where they live, their other cars/policies, any claims or covictions in last six years. (They may have protected NCD so had accidents) If your nan/auntie dont live with you, adding one or both may actually increase the premium, ask the companies.. Likewise if they are too old.

 

Plus more....including other (non car) insurance history of all named

 

If you have never had car insurance in your name you are starting at 0% no claim bonus.

 

Shop around directly with insurers as well as comparison sites, ask their advice.

 

Best advice I can give you is sell the vrs, buy a low group insurance car and build up some no claims before trading up. 1 year no claims gives 30% or more discount. 

 

Insurance companies regard young newly qualified drivers as high risk, not just their opinion, butnhard statistics calculated by crunching insurance claim records for your particular demographic.

 

Edited 11 April, 20215 yr by xman

one reason I'm glad I'm not youg anymore lol........

Ask around for best price, my first car was a Honda Civic 1.6 ESI (950kg, 125bhp or so), and my first quote was more than purchase price of the car... reduced in half as soon as I contacted a different insurance company that previously sold me bicycle insurance for a couple years...

Failing that, get a slower car (and much lower insurance group).

 

 

Edited 11 April, 20215 yr by dieselV6

9 hours ago, Jamiinnn said:

Hi all, i was wondering why the hell they want me to pay £2350 for my first year insurance with a black box and my nan and auntie as 1st and 2nd driver with 30 and 14 yr no claims bonus. Anyone know alternative ways to get cheap insurace.

Ps. Car is a skoda fabia vrs 1.4L dsg

  

Apologies @Jamiinnn if I've got the wrong endof the stick but I don't know what you mean by 1st and 2nd driver. If you are the main driver then you need to delcare yourself as such. Claming someone else (such as your nan or aunt) drive the car most when you do is known as insurance fronting and is illegal. Mostly likely it'll be fine but just be aware that if caught out it could invalidate your policy and land you in court.

 

If your just adding your nan and aunt as named drivers to your policy that's fine,

 

https://www.moneysupermarket.com/car-insurance/what-is-car-insurance-fronting/

15 hours ago, JohnnyJohnBoy said:

  

Apologies @Jamiinnn if I've got the wrong endof the stick but I don't know what you mean by 1st and 2nd driver. If you are the main driver then you need to delcare yourself as such. Claming someone else (such as your nan or aunt) drive the car most when you do is known as insurance fronting and is illegal. Mostly likely it'll be fine but just be aware that if caught out it could invalidate your policy and land you in court.

 

If your just adding your nan and aunt as named drivers to your policy that's fine,

 

https://www.moneysupermarket.com/car-insurance/what-is-car-insurance-fronting/

Oh no i want to be added because i can drive the car occasionally lets say going out for a meal with friends etc im just wondering why its gone up from 700 with just them two when they were driving it to 2300

On 11/04/2021 at 11:42, e-Roottoot said:

Welcome to the forum.

vRS Insurance was not particularly expensive for young drivers and was the reason many had them.

 

So it will be to do with you, your location, job etc.

?

Will both the named drivers actually be driving or are they there to help bring down the cost?

Named drivers with good NCB do not always mean the insurance will be less, so maybe try with just one on the policy, and the one with longest NC might not be the best to keep on the policy.

Yes they both will be driving the car more than i do just wanted to know why so expensive 

23 hours ago, J.R. said:

If you think they are taking the p1ss its probably because you started it!

 

my nan and auntie as 1st and 2nd driver with 30 and 14 yr no claims bonus

Sorry i dont understand they are 1st and 2nd driver because they usually drive the car i just need it eg, going out

17 hours ago, dieselV6 said:

Ask around for best price, my first car was a Honda Civic 1.6 ESI (950kg, 125bhp or so), and my first quote was more than purchase price of the car... reduced in half as soon as I contacted a different insurance company that previously sold me bicycle insurance for a couple years...

Failing that, get a slower car (and much lower insurance group).

 

 

Thank you for the help, dont know if i could part with the car though !

22 hours ago, xman said:

Quite simply its all about risk (for the insurance company)

 

You havent given full details but heres a list of some of the things they take into account

 

Fabia VRS 1.4 DSG insurance is especially high group 27 (our new high spec Superb is group 19, our fabia 2 1.2htp is group 2)

 

Any modifications or extras

 

Your age

 

How long you've had a full licence

 

Where you live (to do with insurance claims associated with the surrounding area)

 

Your occupation

 

Your credit rating

 

Any accidents, claims or convictions in last six years

 

Where the car is stored

 

Use of car (social and domestic, commuting, business use)

 

Annual mileage

 

Age of all named drivers, their occupations, where they live, their other cars/policies, any claims or covictions in last six years. (They may have protected NCD so had accidents) If your nan/auntie dont live with you, adding one or both may actually increase the premium, ask the companies.. Likewise if they are too old.

 

Plus more....including other (non car) insurance history of all named

 

If you have never had car insurance in your name you are starting at 0% no claim bonus.

 

Shop around directly with insurers as well as comparison sites, ask their advice.

 

Best advice I can give you is sell the vrs, buy a low group insurance car and build up some no claims before trading up. 1 year no claims gives 30% or more discount. 

 

Insurance companies regard young newly qualified drivers as high risk, not just their opinion, butnhard statistics calculated by crunching insurance claim records for your particular demographic.

 

Thank you its not my car to sell though probs going have to bite the bullet 

If its not your car, can you show/prove you are not /will not be the main driver?

 

In that case the policy should be in the main drivers name and you as a named driver. You do need to declare your useage honestly, eg if you will be using it to commute to work.

 

Shop around. Plenty of insurers around some specialising in people like you. Ask our sponsor @ChrisKnottIns for a quote.

2 minutes ago, xman said:

If its not your car, can you show/prove you are not /will not be the main driver?

 

In that case the policy should be in the main drivers name and you as a named driver. You do need to declare your useage honestly, eg if you will be using it to commute to work.

 

Shop around. Plenty of insurers around some specialising in people like you. Ask our sponsor @ChrisKnottIns for a quote.

I think they know im not the main driver and i won't need it to go work however my aunti uses it sometimes to go to work so there is social amd commuting on the policy i think i just have to pay it

 

You'll find insurers will rate on you being the main driver anyway so there's no such thing nowadays as what used to be referred to as 'fronting'. Some insurers will offer a reduction if you add additional, older drivers to the policy - usually mum and dad if that works for you - but not all do. The key is to shop around and see who comes up best for your own scenario. Have you tried Marmalade, Insure the Box, Admiral, Aviva etc - all offer black box type cover for younger drivers.

9 year no claim I'm paying £350 per year but I'm well over 25

Try quotemehappy 

Why expensive?

 

In a nutshell probably because you're a young driver in Rochdale asking to be insured on a 'performance' variant of a car, which generates a ludicrous risk profile.

3 hours ago, Jamiinnn said:

Oh no i want to be added because i can drive the car occasionally lets say going out for a meal with friends etc im just wondering why its gone up from 700 with just them two when they were driving it to 2300

 

Ok. In that case it does seem quite high. Maybe if you keep searching you can get a better price

 

Ive just had a quote for £993 from Admiral little box via confused. 

 

Fabia mk 2 vrs 

Me (age 49) as main driver but social, domestic only as I have a van I drive to work.

6 years ncb

My 17 year old daughter as a named driver, she's had a provisional license for a month. 

£425 excess.

 

Similar quotewith just me on the policy was around £360.

 

 

 

 

 

 

 

 

 

 

 

7 minutes ago, JohnnyJohnBoy said:

 

Ok. In that case it does seem quite high. Maybe if you keep searching you can get a better price

 

Ive just had a quote for £993 from Admiral little box via confused. 

 

Fabia mk 2 vrs 

Me (age 49) as main driver but social, domestic only as I have a van I drive to work.

6 years ncb

My 17 year old daughter as a named driver, she's had a provisional license for a month. 

£425 excess.

 

Similar quotewith just me on the policy was around £360.

 

 

That's a bit of a red herring. A provisional driver requires to be accompanied and under supervision of a fully qualified driver with so many years full licence. When I put my kids on when they were learning (about 15+ years ago) it made very little difference in price.

 

When they got full licence and able to drive on their own, the price jumped.

46 minutes ago, xman said:

 

That's a bit of a red herring. A provisional driver requires to be accompanied and under supervision of a fully qualified driver with so many years full licence. When I put my kids on when they were learning (about 15+ years ago) it made very little difference in price.

 

When they got full licence and able to drive on their own, the price jumped.

 

Ah, yes. Good point. 

4 hours ago, Jamiinnn said:

Thank you for the help, dont know if i could part with the car though !

 

Hard to part with a car that you say is not yours , one where your Nan is the main driver, that your Aunty sometimes uses to go to work and that you might use occasionally to go out for a meal with friends.

 

Using taxis or even a private chauffeur driven limousine to occasionally take your friends to a meal will be a lot cheaper than paying for the insurance on your Nans VRS that you cant bear to part with.

 

Buy a low rated car that you can afford to insure, get some hopefully accident & claim free years behind you and then you can graduate to what you would like to drive, it's was exactly like that for me and everybody else 45 years ago and was not a new thing then, in probably 60+ years the insurers have had plenty of time to work out all the angles.

Hi.

Please feel free to give us a try for insurance if you haven't done so already.

Regards,

Dan.

On 12/04/2021 at 12:42, ChrisKnottIns said:

You'll find insurers will rate on you being the main driver anyway so there's no such thing nowadays as what used to be referred to as 'fronting'. Some insurers will offer a reduction if you add additional, older drivers to the policy - usually mum and dad if that works for you - but not all do. The key is to shop around and see who comes up best for your own scenario. Have you tried Marmalade, Insure the Box, Admiral, Aviva etc - all offer black box type cover for younger drivers.

Yes i have i think ringing them will probably get lower prices

16 hours ago, DAN@ADRIAN FLUX said:

Hi.

Please feel free to give us a try for insurance if you haven't done so already.

Regards,

Dan.

Sure thing ive already had adrian flux learner insurance before hand