Just paid my son's car insurance - Gulp.

[New POD]

So a W reg mk4 astra 1.6 16V (105 BHP I think) CLUB with just 19K on the clock is his 21st Birthday Present off his granddad who has driven his last mile. (He's still alive, just sensible to realise that he's a danger to himself and others).

 

He considered giving it to other family members, and I personally think there are a couple more deserving, but as he's also given them an undisclosed sum towards a first house deposit , and his driving style is mad, and because one of his daughters refused it point blank (despite the fact that it trumps an autoshite worthy micra by a mile)

 

Anyway, somehow I agreed to pay half the insurance, and my half is £521.50  (wifey and I will be named drivers)

 

I actually must send him my bank details so he can pay me his half (will I ever see this?)

 

So £1043 to insure a 21 year old with no NCB, but licence held for 3.5 years and 2 years experience driving as named drivers on a mini mayfair and a BINI cooper and a cavalier mk3.

 

Interestingly when I got into details, I found that changing the excess, made no difference, adding commuting made no difference, and changing him from a Research Scientist to a Student, changed it by £1.

 

Estimated miles per year changed things, a lot, but between 5000 and 8000, made jot all difference. Adding 2000 miles after that added £100 each time (I tried quotes all the way to 18,000) .

[EssDeeWon]

Doesn't sound too horrific, get the first year out the way and it will seriously come down there after...

[Cavcraft]

Cheap enough mate, don't complain!

[explosive-cabbage]

My first year in a 205 1.7 STDT was £1900! 6 years later it is now only £480 fully comp, bargain!

[Bren]

I paid around £650 in 1992 for a cavalier SRi - i was 19 at the time with 0 no claims.

 

I wonder what that is in today's money?

[New POD]

I was earning £13K and living in a house worth £45K which would now be £28K and £170K, so somewhere between £1350 and £2K ? that's a question by the way.

[chaseracer]

£1174.03, apparently...

[derskine]

Not overly bad.

I'm 20 and paying £750 for a diesel renault 18!!

[Hendry]

I was £1400 on a 10month bonus accelerator fully comp policy with pass plus when I was 3 months off my 19th birthday and had held my licence 3 months on a 1.6 8v R reg mk3 Astra, in 2006

 

Ps congratulations on having possibly the only 1.6 mk4 Astra/Z16XE engined car without borked valve stem seals, give it another 30K and they will go though, they always fail on mk4 Astras.

[wuvvum]

It all seems to have gone a bit mental since I were a lad.  At 19, I was paying £980 to insure a 185bhp Saab 9000 T16.

[Spiny Norman]

If anything I think kids' insurance is finally coming down a bit. Wasn't that long ago you'd struggle to get much under £2-3k for Junior's first wheels.
Bear in mind a grand with no NCB knocked off it would be about £3-400 if you had a full NCB. I'm sure a lot of us oldies would be paying that much if it wasn't for our 65/70% discounts.

[stuboy]

i paid £1100 in 93 for tpft on fiat 128

[DLR]

I paid £3,500 for my first year, admittedly it was a Rover 820.

 

Two years later I can insure my 2.5 v6 Sterling auto for £88 a month. Considering the 2 litre cost £270 a month two years ago I'm chuffed with that. Still expensive, mind.

 

Being a named driver on my "mother's car" for the first year and a half made bugger all difference. It'll come down once your son has a couple of years experience as a policy holder. Just expensive to get going, unless you go down one of them fancy black box type things, useless to me as I've always worked odd hours and nobody would fit one to a metro or a 416 as they were too old (apparently)

[Luckythirteen]

Mine's been £1100 this year -18/19yr old, with a 12yr old 1.2 Clio - but as far as they're concerned, I don't live in Dundee.

Searching around for new quotes with a year's NCD hasn't made much difference, nor has my current residence. Nor has anything.

The best quote I got for the Corvette from the spotted thread, was just over £2k! Go figure...shopping trolley vs V8 sports car. Do they just make the numbers up?

I know the driver's the major part of their risk assessment, but even so...

[fordperv]

My first insurance in 2001 with L plates on my orion 1.6i ghia was £600 I was mega happy with that as I knew someone the same age with a 1.2 corsa and his insurance was around £1000

[michael t]

That doesn't sound too bad, I'm 19 and will be hopefully looking for insurance over the next few months, I'm gonna have to plumb for one of those onboard sensor black box things which means it'l be £1500 instead of about £3-4000, means I have a specific mileage limit each year and won't be allowed out between 11pm and 7am but for £1500 it's well worth it

[RichardMoss]

My 17 year daughter's Rover100 (Metro) will cost about £1200 for comp from the day she passes her test (12,000 mile policy)

[Partridge]

That's pretty good. Same age and similarish background to me. I can insure a Rover 75 dizzer tourer for approx 800 or a Jag XJ 4.0 for 1500.

[ProgRocker]

When I was 19 I phoned up an insurance broker to ask how much it would cost me to insure the folks' Carlton 2.2i CD: £822 TPFT. This was in 1997.

[lisbon_road]

I flogged a go faster Clio once to a lady for her son.  She was paying £3.5K for his insurance, and paid me £1500 for the car - it was a nice one.  I did think at the time 'why don't you buy him an ancient spi Corsa or something' but I didn't say anything. 

 

Seemed a nice enough lad and mum was very nice indeed but I hope I never do it.

[twosmoke300]

My insurance was 2331 this year.

 

That is fully comp on anything Inc bikes for me and the wife .

Also includes pl , el , theft , tools and loan car cover so can't complain

[New POD]

Tell me about these valve stem issues !!!!

[HH-R]

I paid about £950 for a 1 litre Micra in 2008 which I didn't think was too bad. I got a renewal for this year's insurance of £800 odd/£900 odd if I wanted to pay monthly. Been driving nearly 8 years, no fault accidents, 6k miles a year, 6 years NCB on a 1.2 Panda.

 

When I rang up they asked me why I didn't want it, I said I was paying that sort of money when I was 18, but there's no way I'm paying that now. GoCompareTheConfusedMeerkat got it for the £300 mark with 12k a year and protected NCB and all sorts.

[Guest mat777]

Ahem. 

 

£2800           for my first year of driving, aged 17, in a Land Rover Series 3 Petrol with its ripsnorting 60 bhp engine. 

 

Not helped by the fact that is was my car, and was insured as such rather than fronting it. 

[Mog]

In 2008 when i passed my test i paid £1400 for an s reg escort gti 1.8

[Cavcraft]

My lad paid £1,920 or thereabouts for his 1.0 Corsa, and that was the cheapest by miles as he had a black box thing fitted.

[Billy SR]

I'm 21 with 3 years NCB. My insurance was £540.80 on a 10'000 mile policy with endsleigh, fully comp under my name with my parents added as second drivers. Car is a 2000 Toyota Corolla SR (1.6 16v 109bhp) Always good to pick a limited edition version of car, which wouldn't have been prone to many accidents.

[Pete-M]

My first policy cost £372 in 1988 on a 2.0 Cortina. I was 18.

 

Year later I paid £1400 to insure an RS2000. I dread to think how much that works out as. I imagine double.

[cms206]

When I was about 20 I was paying £700 a year for an '89 Cavalier 2.0SRi. Fast forward to this year, aged 27, when I was quoted about four times that to insure a 1990 1.4 Cavalier L.

Currently paying £311 a year for the three Volvos and £200 dead for the Montego 1.6LX.

[Skoze]

that's not a bad price. 

 

I paid £1900 for my first year of driving at 19, with my TDI '52 Landy. 3.0 Capri cost about a grand the year after, and i'm now down to sub £400 fully comp, 5k miles and agreed value of 6k - 21 with 2 years NCB. 

 

It gets better!