Car insurance for new drivers
Discussion
I've passed my test and I'm looking to buy and insure a car. I've got my heart set on a Honda Civic ls 1.5 hatch (ek3/4) with the d15 engine. I am really into the Jdm scene and I'm going to have my first car for quite sometime so the Civic is must for me. I have been looking into to different cars and other Civics. This one or even the Ej with the non vtec 1.4 if need be, makes the most sense. However when I've looked up insurance lately the prices have almost doubled since I last checked. I was looking at 1,600 now I'm looking at around 3000 for a years insurance, which is outrageous, considering the cars only going to cost between 500 and 1000. So anyway, I was wondering if anyone or anyone who's been in a similar situation know any good insuance companies that I can go to or any tips on editing my quotes on comparison sites, and opinions about lying on quotes too, Baring in mind I am unemployed right now on sick pay and no one in my family drives. any tips or info would be much appreciated.
P.s if your just gunna bash honda's or jdm or my taste in a cars, don't bother replying
Thanks ✌️️
P.s if your just gunna bash honda's or jdm or my taste in a cars, don't bother replying
Thanks ✌️️
Try some brokers or specialist insurers if your heart is really set on one car.
"Lying" also known as insurance fraud, if you do this and get in a prang then your insurance could be voided leaving you holding the baby so to speak.
Personally I would consider spreading your horizons a little, look at quotes on other cars and get a feel for what is out there. The Civic you want will still exist when you have a years no claims under your belt. You've just passed, so there are good odds you'll have a bump/scrape/crash in the first year and prang it up anyway.
"Lying" also known as insurance fraud, if you do this and get in a prang then your insurance could be voided leaving you holding the baby so to speak.
Personally I would consider spreading your horizons a little, look at quotes on other cars and get a feel for what is out there. The Civic you want will still exist when you have a years no claims under your belt. You've just passed, so there are good odds you'll have a bump/scrape/crash in the first year and prang it up anyway.
Captain Answer said:
Try some brokers or specialist insurers if your heart is really set on one car.
"Lying" also known as insurance fraud, if you do this and get in a prang then your insurance could be voided leaving you holding the baby so to speak.
Personally I would consider spreading your horizons a little, look at quotes on other cars and get a feel for what is out there. The Civic you want will still exist when you have a years no claims under your belt. You've just passed, so there are good odds you'll have a bump/scrape/crash in the first year and prang it up anyway.
Yeah I see where you are coming from when you say about looking into other cars. I have looked into a lot of cars like polo's etc. and they more or less the same with insurance. Either way I don't want to be paying a big chunck of my money on insurance(as I'll be paying it off for the year) on a car I'm going to replace after a year if you catch my drift. But yeah I appreciate your advise and I shall look into to some broker and specialist insurers too, thanks"Lying" also known as insurance fraud, if you do this and get in a prang then your insurance could be voided leaving you holding the baby so to speak.
Personally I would consider spreading your horizons a little, look at quotes on other cars and get a feel for what is out there. The Civic you want will still exist when you have a years no claims under your belt. You've just passed, so there are good odds you'll have a bump/scrape/crash in the first year and prang it up anyway.
Ricerjdmandwhat said:
polo's etc
Have a look at some old boy's motors like Volvo's, SAAB's - basically anything that a youngster wouldn't typically own. Insurance works on averages, if more young people are crashing say in a Polo it's risk goes up as does its premium.Adding a parent, partner or older sibling as a named driver can take off a huge chunk. Having me and my mum added to my GF's insurance after she passed bought it down from something daft like £1600 to £450
Captain Answer said:
Ricerjdmandwhat said:
polo's etc
Have a look at some old boy's motors like Volvo's, SAAB's - basically anything that a youngster wouldn't typically own. Insurance works on averages, if more young people are crashing say in a Polo it's risk goes up as does its premium.Adding a parent, partner or older sibling as a named driver can take off a huge chunk. Having me and my mum added to my GF's insurance after she passed bought it down from something daft like £1600 to £450
daddy cool said:
Ricerjdmandwhat said:
and opinions about lying on quotes too,
If you're considering lying, why not just avoid getting insurance at all? That way you pay nothing, rather than getting it slightly cheaper than telling the truth.Don't put unemployed on your insurrance, that's what bumps it up. It really much depends on where you park it overnight, where you live, how many miles you drive it a year, if you drive more the more chances you have of making an accident, if you drive like 2k miles per year than again you don't drive enough for getting exp. I would suggest you put employed full time, or self-employed and around 7k miles per year. That should cut your insurrance a bit, but I don't think you will go a lot under 2k in your first year.
exelero said:
Don't put unemployed on your insurrance, that's what bumps it up. It really much depends on where you park it overnight, where you live, how many miles you drive it a year, if you drive more the more chances you have of making an accident, if you drive like 2k miles per year than again you don't drive enough for getting exp. I would suggest you put employed full time, or self-employed and around 7k miles per year. That should cut your insurrance a bit, but I don't think you will go a lot under 2k in your first year.
Thanks this helps a lot, I appreciate it. Is lying like this something you can get away with? Something that doesn't really matter? as to be fair I could imagine no one is going to go to the effort and to be able to prove other wise so...No, they don't check your employment status, don't worry. Apart from that I have on my personal insurrance that I park on a drive when I don!t even have one. This on just gets the policy to be lower the problems would start if the car gets stolen, they probably won't pay for it, since it was not parked on the insurrance as stated.
By the way if you have any relatives living on the countryside it'd be a good idea to register them as keepers, since on the countryside you get much cheaper insurance than for eg. London.
By the way if you have any relatives living on the countryside it'd be a good idea to register them as keepers, since on the countryside you get much cheaper insurance than for eg. London.
Ricerjdmandwhat said:
exelero said:
Don't put unemployed on your insurrance, that's what bumps it up. It really much depends on where you park it overnight, where you live, how many miles you drive it a year, if you drive more the more chances you have of making an accident, if you drive like 2k miles per year than again you don't drive enough for getting exp. I would suggest you put employed full time, or self-employed and around 7k miles per year. That should cut your insurrance a bit, but I don't think you will go a lot under 2k in your first year.
Thanks this helps a lot, I appreciate it. Is lying like this something you can get away with? Something that doesn't really matter? as to be fair I could imagine no one is going to go to the effort and to be able to prove other wise so...After that your premiums will sky rocket, they may not even insure you.
If the thought of paying £3000 for your first year is unreasonable then forget the idea of the civic. They have high insurance quotes for a reason.
With that aside, try direct line. They were my cheapest by far. (Surprisingly)
exelero said:
No, they don't check your employment status, don't worry. Apart from that I have on my personal insurrance that I park on a drive when I don!t even have one. This on just gets the policy to be lower the problems would start if the car gets stolen, they probably won't pay for it, since it was not parked on the insurrance as stated.
By the way if you have any relatives living on the countryside it'd be a good idea to register them as keepers, since on the countryside you get much cheaper insurance than for eg. London.
By the way if you have any relatives living on the countryside it'd be a good idea to register them as keepers, since on the countryside you get much cheaper insurance than for eg. London.
sound adviceI had a civic EJ9 (1.4) as my first car at 19, it was £2100 for the year! Sucked it up as aside from doing something dodgy and lying, meaning you're paying for insurance that wouldn't actually pay out if anything happened you don't really have a choice.
24 now and my imported Integra is £300 a year!
24 now and my imported Integra is £300 a year!
exelero said:
No, they don't check your employment status, don't worry. Apart from that I have on my personal insurrance that I park on a drive when I don!t even have one. This on just gets the policy to be lower the problems would start if the car gets stolen, they probably won't pay for it, since it was not parked on the insurrance as stated.
By the way if you have any relatives living on the countryside it'd be a good idea to register them as keepers, since on the countryside you get much cheaper insurance than for eg. London.
Thanks a lot, much appreciated. Definitely puts my mind at ease. I'll bare that in mind for sure thanks.By the way if you have any relatives living on the countryside it'd be a good idea to register them as keepers, since on the countryside you get much cheaper insurance than for eg. London.
HayesDC2 said:
I had a civic EJ9 (1.4) as my first car at 19, it was £2100 for the year! Sucked it up as aside from doing something dodgy and lying, meaning you're paying for insurance that wouldn't actually pay out if anything happened you don't really have a choice.
24 now and my imported Integra is £300 a year!
Yeah I was thinking I might have to go down to 1.4 myself we'll have too see. But yeah thanks man. As for the integra that's pretty sweet, Nice!24 now and my imported Integra is £300 a year!
Ricerjdmandwhat said:
I actually didn't know it worked like that appreciate the pointer. Now you mention it I've heard volvos are very reliable and most of them are RWD so they would be pretty awesome. Thanks man
the last RWD Volvo was the 700/900 series i think s/V40s and modern ones are all FWD AVV EM said:
Ricerjdmandwhat said:
exelero said:
Don't put unemployed on your insurrance, that's what bumps it up. It really much depends on where you park it overnight, where you live, how many miles you drive it a year, if you drive more the more chances you have of making an accident, if you drive like 2k miles per year than again you don't drive enough for getting exp. I would suggest you put employed full time, or self-employed and around 7k miles per year. That should cut your insurrance a bit, but I don't think you will go a lot under 2k in your first year.
Thanks this helps a lot, I appreciate it. Is lying like this something you can get away with? Something that doesn't really matter? as to be fair I could imagine no one is going to go to the effort and to be able to prove other wise so...After that your premiums will sky rocket, they may not even insure you.
If the thought of paying £3000 for your first year is unreasonable then forget the idea of the civic. They have high insurance quotes for a reason.
With that aside, try direct line. They were my cheapest by far. (Surprisingly)
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