Cage insurance

[Jaloopa]

I'm learning to drive at the moment, and checking out insurance on a few different cars to get an idea what I'll be paying and what sort of car I can afford to get on the road. I've got quotes for a few now, ranging from 1l to 1.4, and I'm getting almost identical quotes on all of them. £1000 give or take a hundred or so for TPO, and more like £600 for TPFT.

First, why is it cheaper to get fire and theft? That makes no sense to me. And second, why so little difference? I was expecting to be royally raped on anything over a 1.2, but there's bugger all difference between a 1.1 fiesta and my GF's 1.4 Lanos.
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mattsprattuk wrote: but at least the lifan could do like 104mph in 3rd gear

[Kickstart]

Hi

The biggest risk as far as the insurance is concerned is what you hit (after all it would be easy for a novice driver to hit a new car and land up with a £20k claim even without injuries) and for that the value of your car is irrelevant, and the nominal performance difference is probably also pretty irrelevant.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[ms51ves3]

How old are you and where are you getting these £600 quotes from?

[Jaloopa]

I'm 23, putting all the details in honestly including provisional license. I'm using confused.com, and Admiral and Elephant seem to crop up in the cheap end most often.
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mattsprattuk wrote: but at least the lifan could do like 104mph in 3rd gear

[Finglonga]

[Phoenix]