How do some younger drivers...
Discussion
ApexJimi said:
Am I reading this right? A quote of £1500 for your DAD to insure an MX5?!
+1That's mental! I'm 24, have a modified car and points on my licence and I pay around £550; I think my dad pays around 2/3 what I do on his Mk3.5.
Your 0 NCB is going to be a bit of a problem, but try speaking to specialist insurers is all I can recommend; Adrian Flux & Sky would be first on my list of places to call. Mention you're a member of here as well, it usually brings a discount!
Mx5s aren't and shouldn't be cheap to insure for 17-21 year olds....(group 11 and 13 IIRC).
I can't think of anything worse (from an insurers POV) than letting a young inexperienced driver behind the wheel of a RWD 2 seater which can go sideways with suprising ease for a car of lower power....I'm sure theres plenty of sensible and responsible drivers that age, but you have to admit a lot of young lads drive like they stole it...and in the mx5 that could have you off a roundabout in short order.
Then theres the matter of a convertible roof making them easier to steal from, and in the case of mk1s, steal the actual car.
I think these factors probably add up to costly insurance, afterall they are not in the same league as your standard euro-box.
I can't think of anything worse (from an insurers POV) than letting a young inexperienced driver behind the wheel of a RWD 2 seater which can go sideways with suprising ease for a car of lower power....I'm sure theres plenty of sensible and responsible drivers that age, but you have to admit a lot of young lads drive like they stole it...and in the mx5 that could have you off a roundabout in short order.
Then theres the matter of a convertible roof making them easier to steal from, and in the case of mk1s, steal the actual car.
I think these factors probably add up to costly insurance, afterall they are not in the same league as your standard euro-box.
Riknos said:
Pretty sure you guys read the quote wrong - I'm assuming that's with his dad as a named driver, but then adding his dad's conviction sky rockets the price.
I don't think so - metbandit1 said:
I've been trying over the past couple of days, adding parents on etc.
I got a quote for £1500 without convictions for my dad, but as soon as I added it on it went up to £2200!!
I read that as he got a quote for his Dad, which came to 1500, and as soon as he added himself, it went up to 2200.I got a quote for £1500 without convictions for my dad, but as soon as I added it on it went up to £2200!!
ApexJimi said:
metbandit1 said:
I've been trying over the past couple of days, adding parents on etc.
I got a quote for £1500 without convictions for my dad, but as soon as I added it on it went up to £2200!!
I read that as he got a quote for his Dad, which came to 1500, and as soon as he added himself, it went up to 2200.I got a quote for £1500 without convictions for my dad, but as soon as I added it on it went up to £2200!!
Too young, zero no claims is whats stopping you so as far as they are concerned you are gonna spin it at the nearest damp roundabout.
What brought it down a bit for me was adding my girlfriend and mum. Adding just my dad raised it stupidly high.
Try adding any females you live with/close family -aunty etc
Failing that, once you hit 25 with a few years no claims you can easily insure one, trust me I know
What brought it down a bit for me was adding my girlfriend and mum. Adding just my dad raised it stupidly high.
Try adding any females you live with/close family -aunty etc
Failing that, once you hit 25 with a few years no claims you can easily insure one, trust me I know
designforlife said:
Mx5s aren't and shouldn't be cheap to insure for 17-21 year olds....(group 11 and 13 IIRC).
I can't think of anything worse (from an insurers POV) than letting a young inexperienced driver behind the wheel of a RWD 2 seater which can go sideways with suprising ease
Thats all well and good apart from the fact I do about 12000 miles a year in the company pickup, which is also RWD and gets sideways quite easily for the amount of power it has. So inexperience I think is the wrong word.I can't think of anything worse (from an insurers POV) than letting a young inexperienced driver behind the wheel of a RWD 2 seater which can go sideways with suprising ease
Oh and about 8000mils a year on my motorbike to boot.
Edit:
Just got a quote which I removed my dad and added my girlfriend and the price has stayed at £1500! No convictions and no other issues so thats looking like a good bet.
Edited by metbandit1 on Thursday 19th July 19:10
I'm not saying you specifically mate, more how insurers would view young drivers in RWD sports cars...
There are plenty of responsible young drivers around and i'm sure you're one of them, but insurers will always take a dim view of the youth and certain cars.
Tbh i'm glad i've got my mx5 now and didn't have it when I was a teen, I'm pretty sure I would have suffered from a chronic lack of talent and binned it in the wet in a show of youthful exhuberence...I came close once or twice accidentally as it is when I first bought the car,having only driven FWD prior to that.
But on the plus side it gets better when you are older, 27 with 4 years NCB, all mods declared for £400.
There are plenty of responsible young drivers around and i'm sure you're one of them, but insurers will always take a dim view of the youth and certain cars.
Tbh i'm glad i've got my mx5 now and didn't have it when I was a teen, I'm pretty sure I would have suffered from a chronic lack of talent and binned it in the wet in a show of youthful exhuberence...I came close once or twice accidentally as it is when I first bought the car,having only driven FWD prior to that.
But on the plus side it gets better when you are older, 27 with 4 years NCB, all mods declared for £400.
look for the least rusty, buy on condition and service history rather than mileage.
Some good cared for cars come up on mx5nutz,finding something with tax and test for a grand shouldn't be too hard...but rust free (or just cosmetic rather than the sills/arches) is the important thing.
Some good cared for cars come up on mx5nutz,finding something with tax and test for a grand shouldn't be too hard...but rust free (or just cosmetic rather than the sills/arches) is the important thing.
Funny. My experience is different.
My wife's classic policy on an MX5 costs £210 with me as a named driver, with one sp30 and a write off that was my fault.
Her Daily driver costs £180 a 1.8 Cavalier (again me as a named driver)
So to get a quote to add 19 year old son, I went on Direct Line, and got quotes with both as Daily Drivers, £1350 for the Mx5 and £1600 for the cavalier.
In the end we added him to the current policy for the summer holidays (3 months) on the cav for £469.
It would have been slightly cheaper to go with the Direct Line Policy and Kill it at the end of the summer, but the T&C's have it that you can't cancel the policy if you make a claim, and I only wanted it for 3 months.
My wife's classic policy on an MX5 costs £210 with me as a named driver, with one sp30 and a write off that was my fault.
Her Daily driver costs £180 a 1.8 Cavalier (again me as a named driver)
So to get a quote to add 19 year old son, I went on Direct Line, and got quotes with both as Daily Drivers, £1350 for the Mx5 and £1600 for the cavalier.
In the end we added him to the current policy for the summer holidays (3 months) on the cav for £469.
It would have been slightly cheaper to go with the Direct Line Policy and Kill it at the end of the summer, but the T&C's have it that you can't cancel the policy if you make a claim, and I only wanted it for 3 months.
I used to sell car insurance for a living and I have possibly the most unique circumstance allied to inside knowledge. It's a long story so I'll start at the beginning... Originally moved from London to Glasgow approx 18 months ago (insurance quotes dropped immediately), got a job selling insurance for Aviva, gained massive knowledge such as matching your partners NCD if you haven't held insurance before/or in the last 3 years (easily checkable on the motor insurers database so for anybody thinking of bending the truth when trying to get a cheaper insurance quote, DON'T!), Moved in with my girlfriend (Settled relationship = better insurance risk, plus she holds maximum NCD), passed my test last December (This helped alot too...), persuaded girlfriend that we should get a multi-car policy with Aviva. Girlfriend was paying £500 with Tesco for her 1.2 clio, whilst my cheapest quote was £1100 with Admiral, got multi-car quote with Aviva matching my girlfriend NCD onto my car, all completely legitimate with her car in her name and my car in my name, both on 8000 miles a year with legal cover and protected NCD for her (I can't protect mine because it's not technically NCD, however if I stay claim free for 2 years it gets fast tracked to 5 years NCD) and it came in at £490 odd for the both of them with both named drivers on the other, me on my 1999 1.8S is £305!!!
I didn't get any staff discount but a big thing that new drivers don't seem to be aware of is that when an insurance company asks you how long you have held a driving license, this includes your provisional license, so although I only passed my test in september I have actually technically held a form of driving license since I was 16.
I apologise about my grammer but I can't be arsed to go back and and edit
I didn't get any staff discount but a big thing that new drivers don't seem to be aware of is that when an insurance company asks you how long you have held a driving license, this includes your provisional license, so although I only passed my test in september I have actually technically held a form of driving license since I was 16.
I apologise about my grammer but I can't be arsed to go back and and edit
ds 
RudolphsOwner said:
a big thing that new drivers don't seem to be aware of is that when an insurance company asks you how long you have held a driving license, this includes your provisional license, so although I only passed my test in september I have actually technically held a form of driving license since I was 16.
I don't believe that.My understanding of the matter was that they ask you what licence you have (full UK, provisional UK etc) and then they ask you how long you've held that licence for...
You can't have held a full UK licence for the period when you had your provisional?
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