my method of getting cheaper insurance for younger drivers

[nharrison2012]

Ok well from my experience, and that being:

 

350gt at 19 with 1y ncb insurance was £1290

 

Crashed that jan 2015

 

Got another and insured it when i was and am 21 for £1200 with crash declared and a few mods declared too, i am currently with bell and was last time, they give you a box for the first three months that you plug into your cig lighter and its powered from there, simple and got me a £50 discount this year and 80 last time. The next closest prices the first year without a box was about 300 more and the second time about 200 more so up to you whether u put up with a box or not for just 3 months

 

So what i do is i go on comparison sites like go compare and compare the market. I then do all the usual, your details, your cars details, if your young put an experienced driver with no crash history, you dont even need to be related, as a second driver. Preferably someone where the job can be called 'office worker' (cheapest job for insurance quotes) and then dont include any of the mods on your car, leave tht as no mods. Then when you get to the results where the different companies prices are, go onto the cheapest or the one you like the most and go through it until you end up on their site which will give w summary of the details of your cover, i then added the mods at this point (if i added it originally a lot of companies wouldnt come up at all) then finish editing the bits for your car and see the final price. if anyone has any specific queries about what else i put to get lower insurance feel free to message me im new to the forum but am on the skyline owners forum due to them having a 350gt section (the car i own)

[Ekona]

Hold up one sec.

 

First off, I hate black boxes. They're a slippery slope from just youngsters having them voluntarily, to be being forced to have them, to everyone being forced to have them.

 

Secondly, you're getting dangerously close to fraud on the second driver thing. I agree, adding one can help reduce the cost, however just be careful that you actually know the person and that they truly do do the job you say they do.

[Randy_Baton]

Hold up one sec.

 

First off, I hate black boxes.

 

Thought this was a comment about the OP's use of highlighted text.

[Ekona]

There is that too!

[Ukeraa]

I was given the option of having a black box and saving £50, I declined (I'm 23).

 

I really don't understand getting a black box to save £50 annually, that's a few quid a month. Each to their own though .

[nharrison2012]

ok well my bad on the highlighted text, dont know why it did that :'D.

 

also:

i never said to make up a person, i have some people i know who fit that description well. at no point am i saying make stuff up.

 

and ye i get your point about the slippery slope thing, i wont be getting one from now on as for older drivers it doesn't actually make it any cheaper, its more the younger than 21yo drivers who benefit from lower prices with having boxes. Also the box i had was only on for 3 months, its not on now. It saved me a few hundred for no hassle so why wouldn't i?

its alright coming from (I'm guessing) an older guy who can afford an extra few hundred for the privileged of not having a box or for whom it may not even be cheaper to have one.

[Ekona]

It's not about affordability, it's about being the thin end of a very large wedge. All that will happen eventually is that what we pay now for regular insurance will become the norm as long as you have a box, and those who don't want Big Brother looking over their shoulder every second will be paying thousands for insurance. Put it this way, do you not think that it's within the realms of possibility that the government could legislate to have every box linked to the police systems? Any time you speed, you won't even need a copper or a camera to catch you: It'll be done automatically. Go into a corner a bit fast and get some slip? Sorry sir, that's careless driving, do not pass go and do not collect £100.

[nharrison2012]

I'm not at all saying this isn't the direction that were heading in. i do get that but what I'm saying is for some people (mainly young) they want to be able to have a nice car and not pay the earth in the first few years of there driving just to be able to enjoy their cars. I'm not saying you have to go down the route of a box. just an option.

 

also police and other authorities have to have reason to look into data which is kept from these boxes as it is covered under the private/ personal information act. or something like which means so long as you don't cause a crash by going over the speed limit then what does it matter?

 

i get your concerns, i don't want to have to have a box monitoring my driving 24/7 but it served its purpose for a time. i would be willing to pay that bit more in the future to have insurance without a box. if that's what it takes to have an insurance policy without a box then so be it, if boxes in cars proves to reduce the cost to the insurance companies then that is the route which will be taken regardless of what we do, insurance companies run off numbers. chances are in the future regardless of any of our opinions boxes will be the norm and you will have to pay extra to not have one but not having one wouldn't automatically put your premium into the thousands as many drivers now don't pay that and still don't crash

[Banz]

I'm against black box as well. But hey, if it help you save money why not. It's not like the box is there forever.

 

I also checked out the second driver thing with the insurance company. I asked if they can insurance an automatic license holder on a manual car. They said yes. Lol

[Ekona]

also police and other authorities have to have reason to look into data which is kept from these boxes as it is covered under the private/ personal information act. or something like which means so long as you don't cause a crash by going over the speed limit then what does it matter?

Of course it matters. Reasonable cause can be twisted to allow access to anything, and as the terrorist fear takes over it just gets worse. The law has now made it a legal requirement for ISPs to keep your browsing history for two years: What's stopping them doing the same with your driving data? And then making it a requirement for insurers to inform the police of any speeding or spirited driving? As the accident rates go up, it's an easy push for the hand-wringers of the world to say they're saving the children by taking speeding drivers off the road.

 

If you can't afford a fast car without a black box, then get a cheaper slower car until you're a bit older. That's what people have been doing for years. I don't think the push towards boxes in insurance is inevitable, as if people don't use them then insurers won't offer them.

 

 

Sorry man, I know this is coming across as a bash at you, but I really don't mean it that way. It's more a rant against the system in general, as I see it as a very real threat to fun motoring.

[Jay.1r]

I'm 22 had my Z two years now, paid 1600 the first year 1000 next, all mods declared, for the car and my age, I think it's a reasonable amount, it's more expensive for me to insure the Mrs type r!

[rabbitstew]

As ive said before on here, when I first got my zed the cheapest insurance I couldnt find was about £1100. I was 40 and had 21 years NCB. I was staggered as at the time I was paying £190 for a Golf Gti and had been getting quotes of airound £460 for an E46 M3 and around £500 for a Porsche Boxter. Even a Lambo Gallardo was coming up at £600. I was also only paying £60 to insure my Yamaha R1 !!!

 

The only "excuses" insurance companies could say to me was that it was because it was a high powered (300+bhp) RWD car and dispite me having so many clean years of motoring both in various high performance cars & high performance motorbikes they felt the zed was a high risk.

 

Year 2 (if I recall) the premium dropped to £800. So still a hefty wedge. These days Im paying less than £500 for my 997 Turbo. So it all seemed to be the RWD thing according to the insurance companines.

 

So in my eyes. anyone who is 22 and only paying £1000 to insure a zed is doing really well.

 

As for adding people to your insurance. Its the same as anything, have a play with confused .com and see what difference it makes. One year, me adding my 80 year old grannie did drop the premium. However, last time around the same insurance company actually REDUCED my premium when I took her off.

[Grundy]

Would rather walk than have a black box.

 

'Oh, you broke too hard? That's your premium increased', 'Oh you took that corner too hard, That's you premium increased'

 

Whats the point in having a nice car if you can't drive it properly? Like having a stupid MR2 with a Ferrari kit on it.

 

If Insurance was too expensive, get a small car, simple.

[Ekona]

It's not like insurance for young people has suddenly got expensive. I remember paying £1700 to insure a 1.3L Escort back in '97, which equates to over £2700 today. Or paying £800 in '01 on a diesel Focus, which is £1200 today.

 

Insurance has never been cheap, the numbers may be higher these days but it's all relative.

[Paddy78]

It's a bit tinfoil hat, but I also think that younger people should boycott having black boxes... or face the consequences in the long run.

 

They are fundamentally flawed anyway as accelerating hard and braking hard would be picked up as bad driving, but they can't do anything about people drink/drug driving, on the phone, texting or running red lights, which are obviously far more dangerous.

[rabbitstew]

]

It's not like insurance for young people has suddenly got expensive. I remember paying £1700 to insure a 1.3L Escort back in '97, which equates to over £2700 today. Or paying £800 in '01 on a diesel Focus, which is £1200 today.

 

Insurance has never been cheap, the numbers may be higher these days but it's all relative.

 

Indeed, I remember my first car, a classic mini which cost me £20 to buy, cost me £500 third party only to insure. That's 25 times the price of the actual car! So based on that, a £5000 zed if the insurance was 25 times the cost would be £125,000. Maybe a more accurate way to look at it was that back then £500 was a months wage. Assuming a young driver these days maybe gets £24k a year as a salary, thats about £2000 for a month, so not too far off.

[coldel]

Very odd thread! Ultimately you should buy what you can afford to run. If saving £50 year by having a box plugged in is a big deal, when it costs £90+ just to fill the car up, I really don't think its a big saving at all, just don't put your foot down for a few weeks (like you cant with the box attached) and keep your mpg high and job done. I think performance cars are gotten just a little bit too easily nowadays and many younger drivers crash them due to lack of driving experience, but hey maybe thats the old cynical guy in me coming out.

 

And as Dan said above, insurance is not something you try to trick or get around, its about putting forwards an honest assessment of your car ownership. If this second driver never gets in the car, you are committing fraud.

Edited July 5, 2016 by coldel

[Tricky-Ricky]

I also think a lot of people don't stop to consider that to insurance companies/underwriters, the specific cost of repair for the particular vehicle varies tremendously, and in the OPs case the Skyline 350GT has high replacement parts cost/availability, and is often written off for minor accident damage because of this, so the insurance costs will reflect this, so it may be prudent to check ALL the small print, and make sure the precise model of the car is in the policy, otherwise you may find that when it comes to paying out for accident damage you may find yourself footing the bill yourself.

[Brandon350Z]

I bought my Z at 19 and insured it for £2400 with 1 year no claims and having licence for exactly a year. At 20 I insured it in March for £900 with 2 years NCB that's with admiral and I am the only one on the policy!!

 

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[Brandon350Z]

I asked Admiral why it had gone down so much and she said it helps by owning the car for a year. They look at the fact a car over a certain engine size you are highly likely to write it off in the first year. After that year the factor in you have learnt to drive a powerful car. That the gist of what I was told anyway!

 

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[Brandon350Z]

I would also like to apologise for that spelling and grammar. Don't train and type guys ðŸ˜

 

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[veilside z]

Iv'e known of these kids who plug the boxes in their mums car. Not good.

[Brandon350Z]

The thing is there are far too many factors when you are a young driver to even hazard a guess what you will pay down the line. I am actually re considering buying a place in London because my car insurance goes up by almost 50% -_- (yes that's how much I love my car) others just can't understand why a car would affect my decision on where I live. However they have never owned a Z

 

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[StevoD]

Iv'e known of these kids who plug the boxes in their mums car. Not good.

 

thats alot of work and easy for the insurance company to figure out its been tampered with

[AliveBoy]

I'd say a far more reasonable way to get cheap insurance is to smash the excess up, then take an insurance policy out on the excess. There's literally specialist companies who will do that. When I was 20 I put my excess to £2,000 on my Z and then insured it for £15 per month, my insurance policy went from £1,400+/- mods declared to £880+/- mods declared.