Car insurance

[BillyJ]

Wanting to get my first car (possibly an MX5) soon but the insurance is beyond a joke...With my bikes I'm with bikesure as they are consistently the cheapest by a large margin.

What car insurance places will insure a young driver for not a lot of money? I've found the best to be with Direct Line at the moment. One of the reasons it's expensive is that I have 1 fault claim and 1 non fault claim in the last few years and even though they are on bikes, Direct Line take them into account.

I called Admiral and they ask for the claims but as they are on a bike they don't use in the costing of a policy... apparently... but then they quote about £3k for an MX5

TL;DR
Please advise on how to get cheap car insurance for young person without getting a really shit car (I'd rather just not have a car)
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Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[Polarbear]

[grr666]

Get a van.(then remap it) More useful than a car and just as warm and dry. Also if it's white you can drive like a utter
bastard and other road users just seem to accept it. It's also like a mobile burka. Nobody notices you at all.
Even less if you wear a hi viz vest.

I've seen some surprised looks on cagers faces when I'm bearing down on them on the motorway at over 90mph
in a 2t Sprinter. At that speed the wake is quite something and I have many amusements watching cars wobble
as I pass them. Nothing car wise that I can really afford will ever go like my bike so sod it a van it is. And my
bike goes in the back so it's like Thunderbird 2. You'd also be surprised how much beer money comes your way when
you have a van. Took 60quid off of someone recently for moving 3 pieces of furniture 8 whole miles.
Whole job took me about an hour and a half from leaving home to returning again and I picked up another
contact who regularly needs a van and driver for the odd job here and there.
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[skatefreak]

Exactly as above,
16 year old sack of crap 206 burning vegetable oil (free fuel) is for transport.
Brutal 1999 YZF R1 is for fun.

I'll never be able to afford a properly 'fun' car that's anything like a decent bike so why bother.
4 Wheels for economy, 2 for shits and giggles

[BillyJ]

[Poecilotheria]

It also depends on alot of factors, where i came from my car ins was 675 yr same car moved to new location and the ins was 3,400 last year because the postcode. Got round it this year by adding my mother in law to policy and its down to i think 695 yr. Try doing that maybe on a car. Or do what my neighbour does, buy a semi good car and beef it up to more street car. it will be cheaper on insurance and be fun, his cars are all modded but not bad on insurance.
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Need more bikes!

[grr666]

Did you ring Gladiator for van specific insurance? It's a trade insurer, you may have a better price from them.
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[BillyJ]

[grr666]

Tell them you're a landlord or a handyman or similar. Get quote for just the basic vehicle cover and not all the other
trade related insurances they will try to add on like tool cover and public liability cover, goods in transport insurance
and whatnot. My cover is only TPF&T. My other insurances are purchased separately elsewhere .You may
have more luck with them, worth a try anyway. Admiral own them btw.
____________________
Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[BillyJ]

Gladiator won't insure me at all but the cheapest I could get on a van insurance comparison site was £6,500....
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[Andy_Pagin]

Sorry there's no magic cheap insurer. As a young driver in London £3000 isn't a bad offer. GoCompare or Compare the Market will reveal the painful truth.
____________________
They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer

[grr666]

Fuuuuuuuuuu..... £6500 Christ man, my full vehicle insurance bill
is about 700 quid a year. 2 bikes, one on L's,
one warm hatch, and my van. That's just mental. 6.5k
____________________
Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[BillyJ]

[AshWebster]

I have a shitty focus I use to get to work every day (up the M55 and back). <£150 on insurance

I also have a Scoob in my garage which is 360hp+ and will never see a road again (Track car).

I now have a CBR600RR which will poop on both cars for 'fun' round the lanes.

So yeh, agreed as above - cars for a to b. Bikes for fun. (track cars for cos I love Subaru)
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Honda cg125 J reg peice of shit ---> CB650F ---> 2016 CBR600RR
Ford KA ---> 93' MR2 ---> 94'MR2 ---> 98' Subaru WRX STI Ver 3 (track car)

[M.C]

Have you tried Adrian Flux? They won't insure me where I live but when I've tried other postcodes (even in slightly shit areas) they've offered a cheap quote on an MX-5 (£675).

[BillyJ]

[BillyJ]

aandddd that also resulted in nothing
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[rpsmith79]

Sign of the times i'm afraid, young folk get shafted for insurance these days, but an MX5 probably isn't the best car to buy if you want cheap insurance

Only trick i know of that still works is to add a female driver onto the policy as a 2nd driver, when i was single i used to add my Mum on and it brought the price down a bit, nowadays i add my GF, even though there is no way in the world i would actually let her drive it, lol

[Ste]

Cheap insurance for young drivers? Don't get a typical young persons first car. Look at 1.4 or 1.6 engines rather than 1.0 or 1.1 engines. Look at family saloon cars rather than shitbox hatchbacks.

Your choice of car should be based almost entirely around what's cheapest to insure rather than what car you actually want.

Get quotes from price comparison sites for as many different cars as possible.

[BillyJ]

[Ste]

Those aren't the boring family saloon cars I was thinking of.

[BillyJ]

[Ste]

Well I don't know, that's the beauty of shopping for a car based on the insurance price rather than having any specific make or model in mind.

https://www.ebay.co.uk/sch/i.html?_odkw=family+saloon&_udhi=1500&_mPrRngCbx=1&_osacat=9801&_from=R40&_trksid=p2045573.m570.l1313.TR0.TRC0.H0.Xfamily.TRS0&_nkw=family&_sacat=9801
https://www.ebay.co.uk/sch/i.html?_odkw=family&_udhi=1500&_mPrRngCbx=1&_osacat=9801&_from=R40&_trksid=p2045573.m570.l1313.TR11.TRC1.A0.H0.X1.4.TRS0&_nkw=1.4&_sacat=9801
https://www.ebay.co.uk/sch/i.html?_odkw=1.4&_udhi=1500&_mPrRngCbx=1&_osacat=9801&_from=R40&_trksid=p2045573.m570.l1313.TR12.TRC2.A0.H0.X1.6.TRS0&_nkw=1.6&_sacat=9801

Those look like reasonable enough cars to try getting some quotes for.

[Bozzy]

[BillyJ]