Hello I passed my test in December 2023, I bought my car July of 2023 Once I passed I of-course go to insure it only to find out its 6K a Year, This just doesn't seem right to me talking to other they think the same, The car is a 2017 CE Skoda Fabia no mods yet, Just want some advice.

What is the story then, is that the cheapest of the quotes you are getting?

Had you someone else as the main driver or the insured / registered keeper up to you looking for your own insurance.

 

Is it your occupation or area of Glasgow you live in that has it at that sort of cost?

You do not say what your age is.

 

I take it that you have just forgotten about thoughts of the remap or cosmetic changes.

Edited 5 January, 20241 yr by Rooted

7 hours ago, Rooted said:

What is the story then, is that the cheapest of the quotes you are getting?

Had you someone else as the main driver or the insured / registered keeper up to you looking for your own insurance.

 

Is it your occupation or area of Glasgow you live in that has it at that sort of cost?

You do not say what your age is.

 

I take it that you have just forgotten about thoughts of the remap or cosmetic changes.

Hi Mate this is the cheapest quote without black box, I own the car and am the insured driver as both my parents have had insurance claims or points on license what not

 

occupation I don’t think is an issue I’m a civil servant, I live in a decent area both my parents insurance isn’t cheap but isn’t near expensive as this 

 

I’m only 20 years old

 

And yes any changes to the vehicle have been thrown out the window…

How much cheaper with a data recorder?

At least it is not a Octavia or Rapid in white.

Almost weekly Police Scotland are appealing for information on those in the Glasgow area after a murder or maiming.

?

Is it White by the way.  Sometimes they do not say what model of White Skoda they want information on or that they found burned out.

 

But then they are TAXIS / Private Hire Cars....

 

 

Edited 5 January, 20241 yr by Rooted

I'm also curious to the significance of cheapest quote without a data recorder. It makes burger all difference to my quotes, but I always tick the 'are you willing to have a recorder' just in case - and I've been driving for over 40 years     In your situation I'd have thought many insurers won't even offer you a quote if you refused a black box.

 

Insurance is all done on risk and you're about as high a risk as there is. I doubt it matters a jot where abouts you live in Glasgow, the fact you drive anywhere around Glasgow makes you a higher risk.

 

Also curious about buying a car when you haven't passed your test. Why buy a Fabia? Did you receive insurance quotes before you bought it?  I'm not familiar with the Fabia but aren't most of the engines turbo-charged? That's not going to help a 1st time driver. What was it to insure basic Fiesta / Corsa as way of a comparison ? ( the typical 1st drivers car ).

 

Insurance is all over the place right now but even for a first time driver, you tend to find prices drop significantly at age 21 and then 25.

 

My only advice is to shop until you drop. Don't just use the comparison sites as they don't use all insurers.  I'm not a fan of the site sponsors on here because it's my experience their insurance is tailored towards the high risk end of the market. You however are almost in the highest risk of all, so if you haven't already done so I would defo contact brokers like Adrian Flux and Chris Knott.

 

If you haven't already done so then another tip to lower your insurance. The insurance industry gets away with gender stereotypes simply because they base their figures on risk, so forget all about your father but get a quote adding just your mother as an additional driver.  I added my mum on my licence when I was 22 and she was still on it when I was 52. She lived 500 miles away from me, had long since given up driving, has never once driven any of my cars, but my insurance was still cheaper eachyear by having her name added as an additional driver. If I replaced my mums name with my fathers, ( both had perfect driving records ) the premium would increase by quite an amount.  Apparently the insurance industry can get away with being sexist.

 

Hope that helps.

Edited 8 January, 20241 yr by kodiaqsportline

I have no idea in your case but as a total generalisation, having access to other vehicles as a named driver and putting other named driver(s) on your insurance can often help with lowering the premiums a bit, did you try either to see if it made a difference to the premium.  Even experimenting with job titles and type of employer can give different results but always be truthful and the insurers have got better at theses categories and some jobs and employers can cover more than one given category (perhaps best not to put you're a spy unless it's information already freely available or given out to the internet).

 

Applying later for insurance can also make a difference to the premium offered, I too wondered why you didn't research before you passed your test, and well done on passing your test, also why you don't want a black box.

 

Statistics are against you, you are young, and just passed your test in first year of qualified driver, I know I and perhaps the others here might have added to those statistics when young many decades back, if claims and reports were bothered with given the cheap bangers and old cars I had back then.

 

You want to have any car and drive it for a good while before deciding what might be right or wrong with it or need improving as you may change your thoughts with the experience plus need the money for full and proper servicing, maintenance and repairs particularly with a second hand and it's not know to you.

 

Best changes you can make to the vehicle to improve it's performance - and I know this won't please you but all here were your age once and thought we were improving our cars with a multitude of aftermarket stuff much of which done nothing, very little or made things worse - best tuning after fully and properly to the whole car servicing, maintenance and repairs particularly of the important items like brakes, steering, suspension (all three include good tyres) then lights and any safety electrics (horn, wiper motor, blower, etc.) then engine.  After that, but you might want a bit of a rest from it for a while, but then further driver training and this can be transferred to future cars at no additional cost just practice of it. - Can also help lower premiums sometimes.

 

I don't know a/the 2017 CE Fabia is it a petrol, diesel, 1.0, 1.2, higher or lower horsepower options - does any of this affect the premium (my wife has a 2015, 1.2 Se Fabia but we are both very old oxygen-thieves).

 

Try all the things suggested on this thread to see if you can get a better premium but bear in mind often you get what you pay for with insurance, a cheap insurance can be just that cheap but very expensive if you need to claim on it - and don't get desperate and fall for any insurance scams out there, generally if it looks too good to be true then it is.

 

Good luck, let us know how you get on.

 

Edited 10 January, 20241 yr by nta16

@nta16The OP asked in the other posts about stage 1 for a 1.2 petrol & it is a SE, so it will be a TSI and not a MPI.

Another thing is the £6k a total with monthly payments and the interest, regardless of the amount it may be less expensive to borrow the money from elsewhere at less interest and pay a one annual premium.

 

At £6k I'd think any thoughts of "stage 1" or any other mods should be a few years away as they will add to the premium, where as further driver training may reduce premiums and add to the car's and driver's performance.

 

I saw a video about learners and insurance. It appears that if a young person has a car and insures it declaring a provisional license, the quote can be quite low. This is probably because the car is effectively under control of a licenced driver. After passing the test, the pass must be declared and there is a fair chance that, because there is no moderation, the insured is seen as a higher risk.

Hi everybody sorry for the late reply, This is a non black box policy. 
 

In my person opinion I think it’s better regardless of money spent but when I first got my insurance it was 4K for black box 6K for normal policy.

 

since I’ve checked quotes and prices have dropped DRASTICALLY talking about 3k for non black box policy I think unfortunately I’ve jumped in at the wrong time. 
 

since this post I’m now paying around 6.7K Annually due to vehicle mods (back box delete) which isn’t good but I can afford it (barely) I can’t stop my policy and opt for anything else because of down payments and whatever else it’s basically the same as paying for my whole current policy. 
 

so just going to have to tough it out looking to do plenty more mods and will see about the insurance company pricing up these mods. 

To be honest i would load your insurance as well for the back box delete.

 

Not because of any performance gain because i doubt the 1.2 TSI has any, just because the noise is probably anti-social. 

11 minutes ago, Rooted said:

To be honest i would load your insurance as well for the back box delete.

 

Not because of any performance gain because i doubt the 1.2 TSI has any, just because the noise is probably anti-social. 

I expected it to be fair the noise actually isn’t bad performance gains for a 1.2 TSI are expected can’t really do much with them but yeah, As a whole I think insurance at this age for anyone is stupid can’t get to do what you really want without fearing for your wage, need to wait till I’m insured for 5 years to get a car I even want and then do whatever I want to it..

It's a matter of proven overall statistics, doesn't matter too much about car's performance or not, it's how it's driven and the results of the driving, if other vehicles, buildings, whatever are involved costs can **** mount.  Or worst of all people injured, that's when claims can get really expensive.  Even if your hit a high value car or two (and all cars really are bits of metal and plastic, worthless in the grand scheme of things) people can be high or extremely high cost if injured. IIRC claims used for held for 7 years in case further claims came up.

 

Cars are much more expensive to repair now with everything that must (and "must") be on them.

 

Further driver training is one of the best things for those that haven't long had a full licence and a black box as far as I can see would help with self training as well as self-regulation (well indirect to others at least).

 

@Buddxrs you choice and decision of course but I'm curious why don't you want less expensive insurance by having a black box fitted (I assume you mean a blackbox that records/monitors your driving, motions of the car)?

 

@nta16 Hi mate, tbf I think if you asked most young people why would you pay more for no black box it’ll always be the same answer to speed. 
 

don’t get me wrong I don’t condone speeding but most of these companies won’t allow you to go 1MPH over limit without some sort of harsh message or the threat of policy cancellation I like rolling about not minding if I’m over the limit a little bit when the speed is change on a dual, Then again I just don’t feel like being watched while driving.

Fair enough, honest answer too.  I've no idea how strict these things are allowing for speedo errors and errors in other electronic stuff, it would sharpen your observation perhaps but I can understand you want your head a bit.

 

Problem with modern cars is that they are so capable they're boring and the more capable, fast and quick they are the more boring they are at legal speeds, they rob the driver of driver input and feedback sensations.

 

Two ways round this I think, keep your road car for the road, forget most upgrades and mods, as Rooted has put many of them aren't upgrades or overall or specific improvements some are just differences and some workout to decrease specific or overall performance or opposite of improvements.

 

Instead spend your money on going in track cars days/sessions (in other than your car) if you like to see needle figures (modern track cars are still boring to me but I'm not into such stuff).  Having a blackbox fitted would mean more to spend on track stuff.  Or you could take track instruction which should also help your road driving.  This will get the rush out of your system a bit and time and road insurance higher costs will pass a bit.

 

A way to have more fun I think is to get a smaller, lighter, less powerful probably much older car with the minimum of driver aids and creature comforts and unnecessary necessities so that you can and have to drive the car harder getting more noise and driver feedback from the standard car without the need for the exhaust to be loud to hear it through the car's insulation and a giant entertainment system.  Think of much on a modern car, it  that adds weight, numbs and insulates the driver from the noises and sensations of driving and actually driving the car for themselves.  The more you can lose of those as they're not fitted the better generally.  Might take a bit of getting used to at first but then you'll find want you've been missing as a driver by having so much added to the road cars to reduce what the driver needs to do.

 

I appreciate this is difficult for you to understand (apart from my poor descriptive writing) without experiencing it for yourself - there again being your generation it might not be you being more used to more indirect experience enjoyment but if you don't get it soon-ish I think it'll all disappear for at least a good while if not disappear all together.

 

 

Modern cars are for old-farts not youngsters like us. 😁

 @nta16 Honestly some great advice that I might act up on, The fantasy itself has come from the modern day car scene you need to have a car with crazy BHP to be seen as cool, I think I will starting off actually follow your advice and then hopefully when I get some NCD Under my belt I would enjoy to have a nice daily with some decent performance as well as you mention a older car to not forget how far cars have come.

Don't want to do any 'the good old days' or play the world's smallest violin but in a way a lot from my generation were lucky as we could only start with what would now be classed very much as old bangers, and back then cars got old very quickly nothing like the cars of this century when a 15 year old car could be in good condition without having so had so much done to keep it that way.  So then you had to, at least try to, appreciate and then make the best of what you'd got.

 

When I used to give advice to youngsters, and oldies, new to "classic" (over-priced and overvalued old) cars I would put it was best to learn from my mistakes because it was a lot less expensive for them and I had the lack of money to prove that experience.  I also had a few brand new and not too old cars that most would say were (road) performance or sports cars and with my club activities passenger'd, on the road, in a few high performance and supercars a few times with track instructors and a magazine test driver so I know how those cars feel, at least as a passenger, at legal road speeds and for me many were just about the badges.  I have driven a couple of favoured marques, one car I particularly liked how it felt and went but I found I'd gone over the speed limit (which I never intended to do) on the bit of road which was most fun, at legal speeds was far too capable to be very entertaining.

 

It's a lot cheaper to have your minor bumps and learn your from your "upgrade/improvement" mistakes on cheaper and less powerful cars.  I always try to encourage people with a car that is new to them to as much as possible and as soon as possible, over stages if needed, have the whole car checked and where required any full (for the whole car) servicing, maintenance and repair work, some/much of that can be simple stuff you can do yourself.  All this whilst also driving the car in all conditions and weathers to thoroughly learn about the car, what it is capable of and how to drive it (in the real world).  That way you will discover any issues and what you like and don't like and what you might want to change or what you can live with.  Don't spend any money on cosmetics or improvements or upgrades, unless perhaps on a part that needs changing anyway, until you have driven the car for at least 6-12 months in all conditions.

 

The whole car full servicing, maintenance and repairs is the best initial tuning you can do (other than further driver training perhaps) and is required otherwise further tuning could be compromised.  Not jumping into changes on the car too soon also means you can sometimes find what you thought you wanted to change you've got used to or realise it's good, fine or suitable or balanced anyway.  Balance of the whole car and one system or component with others is very important and why a smaller less capable car can be more fun and rewarding to drive, it may seem limited but the limits are more equal to each other.

 

As others know I could waffle on forever, so I'll end with, there's a reason while new drivers, particularly the young, car insurance is so high and I think you realise this, apart from statistics possible the people who set the premium risks may be not be young any more so have at least the experience of having been young and not so young so know the difference same as most on here, if we can remember for some of us so we do understand your frustrations a bit of how things are.

 

Enjoy yourself and don't worry about ego figures on paper or gauges it all about how things feel to you and not keeping in or up with others as that's ultimately impossible regardless of how high you can go or get, when the opportunity is really there to use more power (torque) whatever power you have will never be enough but those opportunities are so few that the power available is just a dormant waste.  Whereas if you have less you can learn to appreciate more.

 

@Buddxrs - I won't retype what @nta16 has put, but I'd agree with at least 90% of it.

 

Also I agree with you about not having a black box, because some of my workmates had them on their children's cars, and said children spent more time worrying about "the speed limit" than about other traffic and making safe overtaking manoeuvres. 

15 minutes ago, Paws4Thot said:

because some of my workmates had them on their children's cars, and said children spent more time worrying about "the speed limit" than about other traffic and making safe overtaking manoeuvres

Good point, same thing happened when Northampton town belated first got speed cameras, though one camera on one road was the second highest in the country for a good while for catching those going above the speed limit so proved its need in keeping vehicles from going above the speed limit well, (plus and a little bit) at that point.

 

On 12/02/2024 at 12:00, Buddxrs said:

Hi everybody sorry for the late reply, This is a non black box policy. 
 

In my person opinion I think it’s better regardless of money spent but when I first got my insurance it was 4K for black box 6K for normal policy.

 

since I’ve checked quotes and prices have dropped DRASTICALLY talking about 3k for non black box policy I think unfortunately I’ve jumped in at the wrong time. 
 

since this post I’m now paying around 6.7K Annually due to vehicle mods (back box delete) which isn’t good but I can afford it (barely) I can’t stop my policy and opt for anything else because of down payments and whatever else it’s basically the same as paying for my whole current policy. 
 

so just going to have to tough it out looking to do plenty more mods and will see about the insurance company pricing up these mods. 

@nta16 already gave a load of great advice, and my unsolicited advice is as follows.

(I'll admit, when I was your age, I am unlikely to have followed the advice, but I still think it's good advice. Some of it is unfortunately a bit late, but I'm usually late to threads.)

 

As a first car, buy the cheapest car to run, ideally with low depreciation, and run it properly with good tyres, good fuel, and good maintenance. Insurance, fuel economy, VED rate, maintenance etc. are all part of running costs.

IMO, do not mod it at all, focus your effort and resource on getting your maintenance absolutely perfect. None of those silly K&N filters, wheel spacers, loud exhausts, tints, wraps, bigger wheels, carbon-fibre bonnets, spoilers, lowering springs etc. etc.

Yes they're all well and good, but IMO they're more trouble than they're worth and usually end up being a costly mistake. (Having made some of those mistakes, I speak from experience.)

 

If you can't resist modding it, maybe splash out on a better ICE (in car entertainment) system if it needs it, without going mad.

Installing a good dash camera is a sensible mod that may well reward you. (Watch out for it being used as evidence of speeding, though.)

 

Maintain the car well, use good fuel and run on great tyres. (Great tyres are the best "mod" you'll ever make to a car.)

View that first car as an investment in yourself. You're putting-up with a low powered car you don't find particularly desirable, to allow you get down to a sensible insurance cost on a car you do want.

If you don't mod it and you look after it, with luck you'll get fair money back, and at the least it will be easier to sell than some boy-racer cast-off.

The good news is, you'll find that there's an awful lot of fun to be had in a reliable, well-maintained but low-powered car that's running well on good tyres.

(Dull & quiet cars seem to draw less attention from the cops, too.)

Whatever you do, I'm sure you'll have a ball. But I expect you'll look back on having paid that £6700 insurance with astonishment in a few years.

All that said, it's your money for you to spend as you see fit.

Enjoy and good luck! 👍

 

( Sorry to sound like a Dad, but I am a Dad, so that's just how I sound. 😄)

Edited 19 February, 20241 yr by EnterName