My first car or should I be wary.

Discussion in 'Motoring' started by Saahir786, Jul 29, 2012.

  1. Saahir786

    Saahir786
    Active Member

    Joined:
    Jul 12, 2011
    Messages:
    1,149
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    38
    Ratings:
    +18
    Hi just bought a car for £1800 its a 1.8 vauxhall astra sri 06 plate from a guy I met online he wanted £300 deposit but I only paid £100 i didn't get a receipt or anything but I trust the guy because my mate who works with me knows him very well apparantly and i'm getting insurance for around £700-900 fully comprehensive at the age of 18 as main driver (Live in manchester near city centre) passed by test around 10 months ago NO NCB or convictions of any sort. Is this too good to be true or not? I will comment back on monday when I go to buy the car if I haven't been ripped off!
     
  2. paulyoung666

    paulyoung666
    Distinguished Member

    Joined:
    May 4, 2006
    Messages:
    13,513
    Products Owned:
    1
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Teesside
    Ratings:
    +3,842
    I would be truly amazed if you get insurance that cheap , really truly amazed .....
     
  3. mjn

    mjn
    Distinguished Member

    Joined:
    May 24, 2001
    Messages:
    24,607
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Herts, England
    Ratings:
    +13,424
    As above, 18 yrs, 1.8 Astra, ZERO NCB, fully comp, Manchester Town Centre, £700-900! :eek:

    Did you miss a zero off?

    My insurance renewal is going to be £600-700 at the end of August, and thats me driving an older car, 35yrs, 3NCB and nowhere near a city centre.

    What insurance company gave you that quote?
     
  4. SIRUSKEY

    SIRUSKEY
    Well-known Member

    Joined:
    Aug 28, 2007
    Messages:
    3,045
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    83
    Ratings:
    +185
    The line "as main driver" leads me to believe its on Mum or Dads insurance.
     
  5. internetuser

    internetuser
    Well-known Member

    Joined:
    Jul 17, 2003
    Messages:
    3,584
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    106
    Ratings:
    +293
    So who is sorting insurance out?
     
  6. Saahir786

    Saahir786
    Active Member

    Joined:
    Jul 12, 2011
    Messages:
    1,149
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    38
    Ratings:
    +18
    Nope it's my own insurance policy. Mum doesn't even have a license and I have a mate who works as a insurance broker for these firms eg admiral direct line etc that was the rough quote he gave.

    I should have the insurance out on Monday.
     
  7. Flawed Tactics

    Flawed Tactics
    Active Member

    Joined:
    Feb 4, 2010
    Messages:
    368
    Products Owned:
    1
    Products Wanted:
    0
    Trophy Points:
    28
    Ratings:
    +33
    I see young lads driving around in Corsa VXR's, where the hell do they get the money from to insure themselves! Parents must have more money than sense or they've moved straight into a high salery job out of college!
     
  8. NooBish AbbZ 92

    NooBish AbbZ 92
    Distinguished Member

    Joined:
    May 17, 2010
    Messages:
    6,852
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Manchester, UK
    Ratings:
    +3,008
    Too good to be true, i looked at insurance on my dads car (Corsa 1.2) £7000
     
  9. Saahir786

    Saahir786
    Active Member

    Joined:
    Jul 12, 2011
    Messages:
    1,149
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    38
    Ratings:
    +18
    Im self employed building a business in direct sales and marketing so that's why I can pay for myself
     
  10. Saahir786

    Saahir786
    Active Member

    Joined:
    Jul 12, 2011
    Messages:
    1,149
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    38
    Ratings:
    +18
    Insurance is £890 fully comprehensive for the year
     
  11. NooBish AbbZ 92

    NooBish AbbZ 92
    Distinguished Member

    Joined:
    May 17, 2010
    Messages:
    6,852
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Manchester, UK
    Ratings:
    +3,008
    How the hell does that work out? I'm also in Manchester, was 19 when i got a quote
     
  12. Saahir786

    Saahir786
    Active Member

    Joined:
    Jul 12, 2011
    Messages:
    1,149
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    38
    Ratings:
    +18
    £850* not £890. How much did you pay NooBish AbbZ 92?
     
  13. SIRUSKEY

    SIRUSKEY
    Well-known Member

    Joined:
    Aug 28, 2007
    Messages:
    3,045
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    83
    Ratings:
    +185



    There is no chance on gods green earth that as a new driver yourgoing to pay £850 with zero no claims. :rotfl:
     
  14. car-man

    car-man
    Well-known Member

    Joined:
    Mar 18, 2008
    Messages:
    2,202
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    116
    Ratings:
    +1,457
    My son is 19, his insurance for this year with a first year no claims bonus is £2,495.

    Fiat Grande Punto 1.2.
     
  15. Matt_C

    Matt_C
    Well-known Member

    Joined:
    Aug 14, 2005
    Messages:
    9,915
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    136
    Location:
    Essex
    Ratings:
    +1,886
    If the OP gets fully comp, as a new, inexperienced, driver with 0 NCB, on a 1.6 litre car, for £850, then that would be amazing. Back when I was 18 (in 1998?) a 1.1 litre Fiat Uno cost me best part of £900 TPF&T! I'm 30 now, don't live in a city, am a professional driver (well, actually a windscreen fitter, but because there's so much driving involved and we have to be capable of driving all sorts of vehicles, we're classed as professional drivers), an a Rover 1.4 is best part of £600 TPF&T
     
  16. mjn

    mjn
    Distinguished Member

    Joined:
    May 24, 2001
    Messages:
    24,607
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Herts, England
    Ratings:
    +13,424
    Yep, also calling this one as ********! No way an 18yrs with zero NCB is getting insured on a 1.6 astra for £850 fully comp!

    If however, we're all proved wrong, give me your mates number and he can get me a good deal aswell :D
     
  17. mjn

    mjn
    Distinguished Member

    Joined:
    May 24, 2001
    Messages:
    24,607
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Herts, England
    Ratings:
    +13,424
    Just nipped onto autotrader and used their insurance estimate tool:

    06 plate Astra sri 1.6, 18yrs, 0 NCB, Manchester postcode, "Over £1,600"

    From experience Autotrader usually gives the cheapest quote, but it won't take into effect named drivers, etc.
     
  18. bighfishing

    bighfishing
    Well-known Member

    Joined:
    Feb 28, 2006
    Messages:
    2,820
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    83
    Location:
    Middlesbrough
    Ratings:
    +219
    its a 1.8 not a 1.6 so it will be even dearer.
     
  19. gibbsy

    gibbsy
    Moderator

    Joined:
    May 17, 2007
    Messages:
    14,557
    Products Owned:
    3
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Cwm Cynon, De Cymru
    Ratings:
    +8,396
    :eek:

    My son is 38. Renault Clio 172. Clean licence, 5 years plus NCD. £720 fully comp and he lives in a small village.
     
  20. mjn

    mjn
    Distinguished Member

    Joined:
    May 24, 2001
    Messages:
    24,607
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Herts, England
    Ratings:
    +13,424
    Whoops, so it is. Still, i doubt he's getting proper insurance for £850!

    Unless he means £850 a month :D
     
  21. paulyoung666

    paulyoung666
    Distinguished Member

    Joined:
    May 4, 2006
    Messages:
    13,513
    Products Owned:
    1
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Teesside
    Ratings:
    +3,842
    Or the excess is 50k .......
     
  22. Sandman

    Sandman
    Well-known Member

    Joined:
    Nov 28, 2002
    Messages:
    3,777
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    136
    Location:
    Glasgow
    Ratings:
    +1,697
    While I am stunned at the OP,s quote this quote seems excessive. I am 34, clean licence, lots of no claims and my insurance is only £300 for an Audi TT. When I was 18 I paid £1000 for instance on a 1.8l Capri. That was back in 95.
     
  23. Steven

    Steven
    Senior Moderator

    Joined:
    Feb 1, 2005
    Messages:
    37,640
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    166
    Ratings:
    +6,617
    My brother pays £1k for his Corsa 1.2 with two years no claims but lives on the outskirts, just inside the M60. It is highly doubtable a first time driver living in crime central is getting a better deal
     
  24. Daddy k

    Daddy k

    Joined:
    Jul 19, 2004
    Messages:
    9,083
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    136
    Location:
    coventry
    Ratings:
    +1,351
    Your friend said "rough quote" I'd want more than that before buying a car.

    I'm an insurance broker and got my 25 year old mrs, just passed on a 1.6 Citroen c3 convertible insured on her policy for £800 a year.
     
  25. internetuser

    internetuser
    Well-known Member

    Joined:
    Jul 17, 2003
    Messages:
    3,584
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    106
    Ratings:
    +293
    Is it individual insurance, or going on your "companies" policy.
     
  26. paulyoung666

    paulyoung666
    Distinguished Member

    Joined:
    May 4, 2006
    Messages:
    13,513
    Products Owned:
    1
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Teesside
    Ratings:
    +3,842
    So its possible to get policys on the cheap if you are in the business then , so how much should her insurance have been .....
     
  27. Daddy k

    Daddy k

    Joined:
    Jul 19, 2004
    Messages:
    9,083
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    136
    Location:
    coventry
    Ratings:
    +1,351
    I wouldn't say in the business, more a case of knowing how to lower the risk a bit. Things everyone can do. Add mature named driver, play with excess never assume more is better, always play with value especially if it's a cheap car, ie if it's worth a grand try putting value at £2500, some companies load for cheap cars. They will only pay out market value anyway. If more vehicles are in household put that. And always shop around, go compare, compare the market, aviva.
     
  28. Saahir786

    Saahir786
    Active Member

    Joined:
    Jul 12, 2011
    Messages:
    1,149
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    38
    Ratings:
    +18
    Insurance for that for the year is 1800 for me personally. Bought the car yesterday and now just waiting to pay insurance soon :D Can't wait to drive it again already drove it back home
     
  29. paulyoung666

    paulyoung666
    Distinguished Member

    Joined:
    May 4, 2006
    Messages:
    13,513
    Products Owned:
    1
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Teesside
    Ratings:
    +3,842
    Thought you said it was going to be 700-900 or have I missed something .....
     
  30. mjn

    mjn
    Distinguished Member

    Joined:
    May 24, 2001
    Messages:
    24,607
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    166
    Location:
    Herts, England
    Ratings:
    +13,424
    So you drove it home without insurance?
     

Share This Page

Loading...