Car Insurance London
Car insurance groups 17/18 year old?
well im from London, 17 years old and will be 18 in about 1-2 months and i should have my full license by end of summer. I’ve been looking to buy a VW Golf 1.4 S mk4 as first car which is group insurance 4. I just checked on GoCompare for quotes but its giving me 6.5k per year for third party! WTF? and i tried on under my dad’s policy quotes (frontin) and it only droped by about 250 quid… so about 6.25k.
Why is it so high? do these prices sound right for group insurance 4?? i mean i know im young and i might give “boy racer” image to them but wow… if it doesn’t sound right what am i doing wrong? what things does drop the quote? i put stuff like “locked in garage” an anything i could think of.
Unfortunately you are painted with the same brush as the idiot youths who cause carnage with their ludicrous driving. However, I would point out that a 1.4 petrol VW Golf S is NOT endearing you to the insurance company as the type of motor you intend to buy- firstly, it’s an ‘S’ model, meaning “Sport”. Secondly, it’s petrol and a high engine size for a first time driver.
I would reduce the size of engine, 1.1L and buy a cheaper model car, e.g. Fiesta, Peugeot 206 etc. Stating that it will be stored in a garage, if it will not be, would be a BIG no-no! If something happened to your car when it should be parked in the garage, the insurance company will destroy you, so DON’T tell fibs.
What about a diesel 1.4 Peugeot 206, as diesel are cheaper to run, tax and insure. If you buy a car with more than 3 doors, it is unofficially classed as a family car, and will reduce the insurance cost also.
Some companies will quote unbelievable amounts as they don’t want your business but to keep you sweet,they still offer a quote instead of the annoying blank refusal.
The groups that cars are placed in, are not generally reflective of the insurance cost, IT’S AGE, – as I drive a group 15 car, but it’s as cheap to insure as a group 6 car I had 8 years ago, due to my age and “Full No Claim Discount”.
Your just at an awkward age and insurance companies don’t particularly want the risk of a young Male driver.
Go on the comparison websites, the Post Office are quite good value for insurance, but again, it’s your post code and age that are the hindrance, but give them a go anyway.
Good Luck.
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