car insurance

[tracey louise]

hi,my car insurance is due in a couple of weeks and because im only 23 im really struggling to find an insurance company to cover me to drive other cars even though i have 4 years no claims.because im under 25 years old they always want to class me as an inexperienced driver,which also means that my excess is £20 without my voulentary excess ..has anyone had the same problem and did they find an insurance company that would cover them an that had a sensible compolsory excess? and does anyone know of an insurance company who would cover me?
i hope someone can help as its driving me mad,ive spent hours on the computer trying to find someone with no luck so far.:cry:

 

[shellpink]

I know it can be hard, have you tried these comparison sites? Im with Shielas wheels, they were the cheapest last time I renewed, give them a try, the specialize in womans insurance(im sure you must have seen the annoying advert!) good luck x

 

[tracey louise]

I know it can be hard, have you tried these comparison sites? Im with Shielas wheels, they were the cheapest last time I renewed, give them a try, the specialize in womans insurance(im sure you must have seen the annoying advert!) good luck x

thanks but i already tried them as my sister is with them but as i was getting a quote online it said in small print at the bottom that additional excesses will apply as i am an ;inexperienced driver'.thanks for your reply though.x

 

[SallyGirlJojo]

if it makes you feel any better, i'm 19, my excess is £450... insurance £1200.. it gets worse my boyfriends excess is £750... insurance £2400 i'm sure whatever u get is a bargin!

 

[pips]

My son is 19, been driving 2 years and still pays over £3,000 and has an excess of £700.
Hes just had a quote come in for over £6,000.

Ive been driving 3 years, got 2 years NCB (lost first year after a claim for malicious damage to my car) and its just cost me £700 for a years fully comp on a corsa SRi 1.4i and i sat all day getting quotes and that was the cheapest, some were coming in at £2,000.

Try looking on compaire the market or money supermarket.com

 

[Susie H]

Just done Kays with Tesco's they were £950 cheeper then anyone else, excess £100 which is the same as mine.
Don't get your break down cover with your insurance get it separate but do take the legal cover.
My breakdown is with a company called nci, Paul and I are covered for any bike or car we are with, road assist, breakdown and accident and all for £68 a year, we do our bike and car insurance with them but they are only bril for insurance if you are over 25.

 

[Ruth Mills]

Have been with Direct Line since 1997, and they've always covered me to drive other people's cars.

Ruth

 

[sas21]

Hiya,
I'm with a company called DNaA insurance, I think they are very good price and customer service wise.

When I first got insured just over 2 years ago, I was insured on a 1.6 Fiesta Ghia which was a very nippy little car and this was my first car.
I think my insurance came in at a bout £500 and something with a £100 excess.

There is a thing called Pass Plus which is a bit like an advanced course of extra lessons. You get a very good discount on your insurance if you do it, but I think you have to do it in the first year you pass.

I also checked with my insurance when I arranged it that I would be insured to drive other cars and they said I would.

Hths

Sarah
xx

Sorry hun, just realised you have 4 yrs no claims so obviously you passed more than a year ago! What a div I am! Sorry! :smack:

 

[tracey louise]

Have been with Direct Line since 1997, and they've always covered me to drive other people's cars.

Ruth

do you know there website ruth as i will try them?thanks for your reply and fingers crossed.xx

 

[tracey louise]

Hiya,
I'm with a company called DNaA insurance, I think they are very good price and customer service wise.

When I first got insured just over 2 years ago, I was insured on a 1.6 Fiesta Ghia which was a very nippy little car and this was my first car.
I think my insurance came in at a bout £500 and something with a £100 excess.

There is a thing called Pass Plus which is a bit like an advanced course of extra lessons. You get a very good discount on your insurance if you do it, but I think you have to do it in the first year you pass.

I also checked with my insurance when I arranged it that I would be insured to drive other cars and they said I would.

Hths

Sarah
xx

Sorry hun, just realised you have 4 yrs no claims so obviously you passed more than a year ago! What a div I am! Sorry! :smack:

thats fine hun,do you have there website as its still worth a try? thankyou.xx

 

[Ruth Mills]

do you know there website ruth as i will try them?thanks for your reply and fingers crossed.xx

It's Car insurance, Home insurance, Life insurance & more - Direct Line

Think it cost me about £350 for a year's comprehensive insurance on a 9 year old Peugeot 205 back then in 1997... just after I passed my test at 23...

Ruth

 

[tracey louise]

It's Car insurance, Home insurance, Life insurance & more - Direct Line

Think it cost me about £350 for a year's comprehensive insurance on a 9 year old Peugeot 205 back then in 1997... just after I passed my test at 23...

Ruth

thanks ruth i'll let you know how i get on.xx

 

[tracey louise]

ive just tried direct line and they also do a compulsory excess for drivers under 25 and it doesnt say anything about them covering me to drive other peoples cars.so i might have to phone them and see what they say.x

 

[tracey louise]

ive just phoned direct line and they wont cover me to drive other peoples cars either because im under 25yrs even though i have 4yrs no claims.
it makes me so because i would've been better off just going on my parents policy till i was 25 then started my own as everything seems to go by age rather than ncd.
i feel that my 4yrs no claims have just been a waste of time!

 

[rouge]

I'm insured with Direct Choice, by far the cheapest quote I could find. I don't know what their policy is regarding your specific questions, but it may be worth a look. Direct Choice

 

[Ruth Mills]

Ouch, sorry to hear that

They must have tightened up on young drivers loads in the last 10 years or so! I did have to have a compulsory excess of £250 on my policy back then, but they've always let me drive other people's cars, so I don't know what's going on with that!

Ruth

ive just phoned direct line and they wont cover me to drive other peoples cars either because im under 25yrs even though i have 4yrs no claims.
it makes me so because i would've been better off just going on my parents policy till i was 25 then started my own as everything seems to go by age rather than ncd.
i feel that my 4yrs no claims have just been a waste of time!

 

['chelle]

Hi, I am over 25 (only a little bit!), so I dont know about insurance for younger drivers, but I found the Post Office to be a damn sight cheaper than anyone else, I passed my test 2 and a bit years ago, and as a new driver most companies wanted to charge me an arm and a leg. The post office gave me a good quote (£600 compared to over £1000 for the others) and they cover me to drive other cars.

 

[rouge]

Ouch, sorry to hear that

They must have tightened up on young drivers loads in the last 10 years or so! I did have to have a compulsory excess of £250 on my policy back then, but they've always let me drive other people's cars, so I don't know what's going on with that!

Ruth

On my insurance policy, as I have fully comp insurance I can drive any car with the owner's permission, but I would only be covered third party. Hth's.

 

[tracey louise]

On my insurance policy, as I have fully comp insurance I can drive any car with the owner's permission, but I would only be covered third party. Hth's.

hi do you know who your insured with because i did try the link you gave me but its a comparison website so im not actually sure who ensured you,so do you know the name of them?.thanks.x

 

[nebrummie]

have u tried 'swinton' insurance, they will shop around for u and find u a really good deal. i have no 'no claims' and i got a really good deal off them, fully comp to.