insurence too cheap??

[Giorgio]

I am looking to get insured on a 1.4 1998 Polo L, on my Dad's name. Hes got 5 years protected no claims. I have made sure every bit of detail is correct. I will be 17 will no years driving experience.

Confused.com gave me the following results.

Kwik-Fit Insurance ___£664.44
Insureandgo_________£677.25
Budget_____________£897.16
Dial Direct___________£902.07
Insureandgo_________£1198.44
Insure It All__________£1239.50
Insureandgo_________£1361.65
Insure It All__________£1478.64
Insure It All__________£1665.30

This quote is for fully comprehensive insurence with £350 excess.

I was expecting around the 1500 pound mark but £700 makes me think I got something wrong. I know people in a similar situation paying over £1000 for a 1.0 litre


How much (if you dont mind) did you pay for your first insurence??

Thanks in advance, Giorgio

[DScape]

It's cause you're on your Dads insurance mate. If you were on your own, then your expectations would be correct.

On my own insurance, fully comp was £1200 and I was 19....and that was cheap compared to all the other quotes I got Mine's a 1.3L BTW.

BUT there is a reason why its cheap. You won't build up any no claims at all as it's on your Dads policy....

Say like you drive for 5 years on that policy and don't crash, at the age of 22 you'll have 0 years no claim bonus.

[mysteryboy]

Thats pretty good.
I paid £1065 tpf&t

[Blackone]

just got my wife insured on her Polo 1.4 1998. She's always been on my insurance, so has no no-claims bonus.

She is 37, but got her insurance for £280 fully comp with 200 excess, which i was well happy at. I was originally being quoted around £600, but after looking around found LLoyds bank was the cheapest.

[helios1]

Im paying ~£480 on my mums insurance. I plan to stay on it till im at uni i think, before starting to build up no claims.

[PhilGTi]

I only pay £480 and i was 19 when i took the policy.

[Essex6N]

I I’ve just turned 18 and my first car is a 1.4 8v 1997 polo, I am insured on my brothers name and playing £1200 with £400 access for fully comp. So I think ur getting a bargain at £700. f**k the no claims mate stay on ur dads insurance till ur bit older that’s what I am doing as when ur 21 the insurance goes down anyway!!!

[DScape]

I I’ve just turned 18 and my first car is a 1.4 8v 1997 polo, I am insured on my brothers name and playing £1200 with £400 access for fully comp. So I think ur getting a bargain at £700. **** the no claims mate stay on ur dads insurance till ur bit older that’s what I am doing as when ur 21 the insurance goes down anyway!!!

JESUS, I'm getting a right bargain on my own insurance compared to that !

[david burton]

most of it depends on postcode, as I always say - it's very difficult to compare unless you live next door to each other. I moved 1/4 mile in Birmingham and the premium went up 20%

[PhilGTi]

Yeh my insurance went down s**t loads when i moved house, because my new area is very private and well off so there is no theft.

[Giorgio]

I was getting quotes that were worth more than the car. I may just stay on my dad's name and spend the extra cash.

Cheers people.

[DanDiesel]

i spent the first year of my driving on my dads insurance then i bought a new car and went on my own insurance!
paid £1700 fully comp with no NCB!! they really stitched me up aswell! that was on a seven grand car (1.5year old mk5 1litre).
went down a shed load the next year when i changed companies (who were mod friendly aswell)
now i'm paying around £650 with 3yrs NCB on a 1.9tdi sport ibiza (its group 6/7) . the area i live in ain't the best so it may still be a bit high i guess. will see wot happens when i renew in march.