25 year old, struggling to get decent quotes

[orangeco]

Hi all, first post from me.

I admit I am fairly new to cars. I have got 4 years NCB on my motorbike, but I have only been driving for 18 months, so I have 1 year's NCB on the car.

I pay £170 TPFT on my superbike and quotes for an 03 255 V6 are coming in at £3500. I thought being 25 helped!

I guess I could try putting my old man as the policy, and me as a named driver but I'd rather not muck about and do it the straight way. I'm a sensible driver and the 255 would be my Sunday treat alongside my daily slag of a Mk3 Golf.

Do you have any suggestions for a decent quote? I'd consider anything under £1500, decent.

Thanks in advance.

 

[Jamesv6]

Have you tried Elephant?

Hello and welcome

 

[orangeco]

Tried Carole Nash and Confused. No-one on Confused would quote for some reason.

I'll try Elephant and let you know, thanks!

 

[Jainy]

Hi and Welcome.....have a poke around the Insurance section hun, makes for some interesting reading as far as insurance is concerned.... :roll:

I reckon every Q you have regarding insurance is in that section....there's plenty of suggestions also, of insurance brokers and companies to try......Confused won't quote you because of your 'age' - it's also worth noting that one of the biggest factors for insurance quotes is your "POSTCODE"....if it's dodgy, your quote goes through the roof.....

I hope you get sorted soon....enjoy the forum....

Jainy

 

[Anonymous]

elephant were the best quote i got so far! they were only £750 fully comp and im 23

 

[steveukv6]

elephant were the best quote i got so far! they were only £750 fully comp and im 23

This seems to good to be true ...

Im 23 with 5 NCB protected and is a fair bit more than this. Live in a good area aswell.

Tried elephant when i changed over and was over £1400.

I would check all the details are correct mate.

 

[Anonymous]

elephant were the best quote i got so far! they were only £750 fully comp and im 23

This seems to good to be true ...

Im 23 with 5 NCB protected and is a fair bit more than this. Live in a good area aswell.

Tried elephant when i changed over and was over £1400.

I would check all the details are correct mate.

all details are correct (i had to double check cos i was shocked aswell), i have 5 yrs no claims and will keep the car garaged, it was the best quote by far.

 

[orangeco]

Thanks for your replies. I'm in a good postcode, I'm sure of that. I think what's crippling me is my lack of car NCB and experience, that's why I was thinking possibly a broker or a V6 specialist would take into account the whole scenario, rather than just filling in boxes on a website.

If you put a parent on the insurance, does this generally bring down the cost and if so, you you become a named driver and they become the main policy holder, or..?

 

[Anonymous]

i would say try elephant first cos we done a quote in my fellas name aswell to see what way round would be cheaper too do the insurance and for him it was £1067 fully comp in his name and hes 22 with 1 years no claims, which is a bargain really

 

[orangeco]

Thanks for the tips. I tried Elephant with my standard info and the quote was £3000.

When I use my 60 year-old Father, it brings it down to £1300. So he has a use afterall!

I'm happy with that, so all I need to do is start the hunt for a circa £16k 255.

 

[® Andy]

Just remember that the policy holder is assumed to be the principal driver ... and so come claim time when the insurance company is wriggling and trying to find a way to avoid paying out ...

 

[orangeco]

Thanks for the tip. To be honest, the old man will probably use it during the week while I'm at work and I'll use it on the weekends. So I get what you're saying but reckon I'll be legit.

 

[Anonymous]

I've been quoted £840 with Herts, they insure me on my R5's so maybe it helps to have more than 1 policy with them? I'm 26 full NCB...

 

[mace]

I've been quoted around £1100 from Elephant for a mk1, I'm 25 and only got a 1 years ncb. Thats leaving it in a communal car park in what i'd call an aerage post code area.

Is a mk2 likely to be alot more? as I was currently on a mad save/sale mission to raise the extra cash for one!!

 

[Jainy]

Mace....I reckon it's all relative to where you live (postcode) age and NCB's....I don't think there is a guide that you can use....as some guys on here with no NCB's are paying less than some of us with 11/12 years NCB's..... :roll:

Insurance appears to be a bit of a 'black-art-form' TBH....as we all seem to find out when our renewals are through....I personally think you've got an okay deal...

Jainy

 

[Anonymous]

I've been quoted around £1100 from Elephant for a mk1, I'm 25 and only got a 1 years ncb. Thats leaving it in a communal car park in what i'd call an aerage post code area.

Is a mk2 likely to be alot more? as I was currently on a mad save/sale mission to raise the extra cash for one!!

i done an insurance quote with elephant for a mk1 and a mk2 and it was exactly the same

 

[orangeco]

My 6 points from a three-figure pull never seem to help.. 1 more year and they'll be off the licence..

 

[Anonymous]

Spinning my vee on weds probably wont help me get a low quote on the vee again - have protected no claims on my FRS but as the vee is on a separate policy i think it'll be going up :cry: My worst concern is that even if my vee is repairable dont reckon i'll be able to afford fully comp insurance on both the FRS & the vee :cry: :cry:

 

[Tim]

Elephant - you can fiddle your quote by adding drivers and changing how much of an excess you want to pay, mileage, no claims etc.

I just got my renewal for £722.....bargain!

 

[Jainy]

Good quote that Tim...... :wink:

Jainy