Terrano insurance

[96terrano]

Well, this year, I hope to take my driving test so I can drive my terrano on roads and not just private land:doh question is, how the feck do I get insurance as I'm soon to be a 17 year old :nenau as a t2 ain't what I should be driving. These companies would rather me be driving somthing else e.g a saxo or 106:eek:, pah, no thank you :D

[Kamsin]

When i passed my test i had a 1970 ford Escort that was falling to bits.
It cost me almost £400 to insure it and this was in 1988. If you do the math, your no worse off that i was back then.

But credit too you though, at least you getting insurance, not like some people that are on the roads.

You could get your dad to insure it as his car and have you as a named driver.

you used to be able to get cover on any car with fully comp insurance but they stopped giving that to under 25's cos they knew they were driving another car.

[gazterrano]

i cant imagine its gonna be easy getting a decent quote at 17 in a terrano like you say they prefer you in little 1 litre cars even then its mortgage money:doh it may be wise to bite the bullet use a small car to start with just to build up couple yrs no claims first ... good luck shop around but be prepared for high premium at first :bow

[stinka]

My first car was a fiesta xr2 mk2, second was a mk2 golf gti, insurance was £550 and £750 respectively. That was 1997 and I earned £100 per week less tax take home as a trainnee mechanic

[gazterrano]

beetle was my first motor cost £68 insurance almost fell over at the time but now new drivers would welcome that quote with ease:thumbs even today 34 yrs driving no convictions accidents or offences my terrano fully comp £600 which is due in next couple month keeps going on the increase . time to shop around this time each yr they just keep saying its inflation :bow i feel im paying for the thousands un insured

[supergnome]

Think you'll need a small lottery win . My simpathy to you these are crazy times. 17yr olds statistics don't read good so you will be paying for others wrecklessnes. But don't give up, you may find a company to take you on.
Don't suppose it'll help telling you my first legal car in 1967 cost me £32 fully comp,£50 excess. David.

[firebobby]

We have just got insurance for my son on his 1989 Mini city, it started at £4950 and we ended up at £1030..bit of a difference ;)
Like it's already been said here, you need to start with a small engine for a few years or have bloody deep pockets.:(

[clivvy]

Check what "risk" area you are in Ryan, could be you are in a low risk area, thus making quotes lower for you, just a thought...

http://www.carinsuranceexplained.com/car-insurance-explained/car-insurance-postcode-risk-list.html

[melissachels]

My 1st car was a '96 escort cost £1200 to insure 1st yr n that was in 2006, n my pug 406 cost me the same last yr, where as my terrano costs 800 this yr! :)

All of these were 3rd party fire n theft!

It kills but it gotta be done, betta than losing ur license and ur car

[makeitfit]

Try the Policy Shop for cheap young driver insurance. Just done my sons :doh
He did a year as a learner driver with Collingwood at 880 quid in a MK2 Fiesta 1.1
This year with one years no claims bonus and qualified driver £1200 :clap via the policy shop. He's now into modifying and it's gone up to £1800 but then he's a trainee mechanic too and that puts the premiums up too, bastards...............:(

[firebobby]

Try the Policy Shop for cheap young driver insurance. Just done my sons :doh
He did a year as a learner driver with Collingwood at 880 quid in a MK2 Fiesta 1.1
This year with one years no claims bonus and qualified driver £1200 :clap via the policy shop. He's now into modifying and it's gone up to £1800 but then he's a trainee mechanic too and that puts the premiums up too, bastards...............:(

The only problem with collingwood is they only insure while they are learners, once they pass their test, the insurance is null:(

[makeitfit]

The only problem with collingwood is they only insure while they are learners, once they pass their test, the insurance is null:(

Exactly, that's why I got the boy to do a year as a learner to gain a years NCB and THEN do his test, works out cheaper :rolleyes:

[terranobreakershropshire]

make sure you spend loads of time comparing every company you can find, it always pays to. they will bum you because of your age.
my 1.2 nova in 2001 was £1400 to insure, the car cost £325 !

often fully comp can be cheaper.

im 28 insuring my terrano fully comp for £260 a year

[meatball]

if anyone in your familys insurance is due try a multicar policy at somewhere like admiral, aviva ect. or ask if the company they are with do multicar policies, as that is what we have done this year and its worked out alot cheaper for us.

know what your going through though, my daughter had a ford ka last year, 19year old and it cost her £1300, her renewal came in this year, same car and they wanted £1400 with a years no claims:eek::eek:

shes now got a 1.6 mk4 golf, and after i shopped around that is £668 fully comp:thumb2

[makeitfit]

Yeh girls are cheap :lol Bugs me no end. My daughter was driving a tr7 at 18 and only 400 quid,she's now got a porsche and 360 fully comp. second daughter also under 250 in her triumph 13/60 with spitfire engine, twin carbs full race exhaust , alloys, bucket seats modded suspension.:doh
Boy's 1.1 fiesta 1200 ffs :doh

[meatball]

Yeh girls are cheap :lol Bugs me no end. My daughter was driving a tr7 at 18 and only 400 quid,she's now got a porsche and 360 fully comp. second daughter also under 250 in her triumph 13/60 with spitfire engine, twin carbs full race exhaust , alloys, bucket seats modded suspension.:doh
Boy's 1.1 fiesta 1200 ffs :doh

uuummm TR7, cheese wedge on wheels, brilliant little bit of british engineering:thumb2
and as for the 13/60, thats the herald aint it:confused:, soft top or tintop:confused:

both cracking motors:thumbs, not much into fords though, sorry:o

[Nisstay]

beetle was my first motor cost £68 insurance almost fell over at the time but now new drivers would welcome that quote with ease:thumbs even today 34 yrs driving no convictions accidents or offences my terrano fully comp £600 which is due in next couple month keeps going on the increase . time to shop around this time each yr they just keep saying its inflation :bow i feel im paying for the thousands un insured


all very puzzling ........ I am 70 with 38 years clean licence ...... have business use included .... and its under £300 fully comp .

[cncfabs]

uuummm TR7, cheese wedge on wheels, brilliant little bit of british engineering:thumb2
and as for the 13/60, thats the herald aint it:confused:, soft top or tintop:confused:

both cracking motors:thumbs, not much into fords though, sorry:o

Did someone say tr7 and brilliant in the same sentance:eek:I spent 2 years welding one of them drove it about twice then off to the car auction worst car ive ever driven old morris marina engine and handling borderline dangerous:doh

[makeitfit]

Didnt say TR7 was any good :lol but it had pop up headlights :D she liked those:lol She had a toyota celica too with pop up lights before the porsche 924 also has pop up head lights :lol Bit of a theme going on there :rolleyes:
Herald was bought 'cause she liked the pointy out bit on the roof and back light :doh
THAT's why girls are cheap to insure :lol:lol:lol

[96terrano]

Check what "risk" area you are in Ryan, could be you are in a low risk area, thus making quotes lower for you, just a thought...

http://www.carinsuranceexplained.com/car-insurance-explained/car-insurance-postcode-risk-list.html

According to the website, I live in a low risk area. Surprisingly:eek: I think I will probably have to get a cheap crap car with no balls:lol and built up a no claims thingymabob unless I could go on my parents insurance or something. It's annoying how I can't technically drive a terrano. It's only a 2.7 td :sly:sly Ive probably driven it over 100 miles on private land:) ohh and through fields and god knows what else:augie

[Fez_uk]

have you actually checked quotes?

[Nisstay]

all very puzzling ........ I am 70 with 38 years clean licence ...... have business use included .... and its under £300 fully comp .


my premium this year was actually £ 289.54 including £ 15 for legal expenses cover and was with Chaucer insurance . declared push ball joint as well

[stinka]

Porsche 924 with a vw van engine !! Tr7 !! Omg I've heard enough :D

[firebobby]

I think I will probably have to get a cheap crap car with no balls:lol and built up a no claims thingymabob unless I could go on my parents insurance or something.

Yep and keep your licence clean as well or you will be paying through the nose.

The problem with young drivers (not all by the way) is they think they are great drivers and that's the problem, when you pass your test, you are just starting out and need to learn road craft...that comes with years behind the wheel;)

[96terrano]

Yep and keep your licence clean as well or you will be paying through the nose.

The problem with young drivers (not all by the way) is they think they are great drivers and that's the problem, when you pass your test, you are just starting out and need to learn road craft...that comes with years behind the wheel;)

exacally, it's a road , not a race track:thumb2

[clivvy]

Yep and keep your licence clean as well or you will be paying through the nose.

The problem with young drivers (not all by the way) is they think they are great drivers and that's the problem, when you pass your test, you are just starting out and need to learn road craft...that comes with years behind the wheel;)

exactly, once you have passed your test, you really start to learn how to drive. NO more steady hand in the seat next to you, and wise words for what to do next, youre on your own!

[Kamsin]

exactly, once you have passed your test, you really start to learn how to drive. NO more steady hand in the seat next to you, and wise words for what to do next, youre on your own!

That is why learner drivers often get cheaper insurance, then it shoots up when they pass there tests, as no one will be sitting with them anymore.

We should have a curfew that new driver can only have 2 people in the car and it has to be parked up by 10 pm like some other places do. Also limmit them to 1.0L for the first year :lol But also keep there insurance down so atleast they can pay it.

[firebobby]

That is why learner drivers often get cheaper insurance, then it shoots up when they pass there tests, as no one will be sitting with them anymore.

We should have a curfew that new driver can only have 2 people in the car and it has to be parked up by 10 pm like some other places do. Also limmit them to 1.0L for the first year :lol But also keep there insurance down so atleast they can pay it.

Totally agree, no more than 2 in a car for at least a year, small engine and knowing that the Police are always on the look out for you and if your caught doing something stupid or dangerous...2 yellow cards and then after that you have to sit a much harder test to get your licence back.
That should slow a few of the loons down:thumb2

[makeitfit]

Porsche 924 with a vw van engine !! Tr7 !! Omg I've heard enough :D
Phnar, but it does have pop up headlights :D
She's also been known to drop the keys loudly here n there :lol
She's looking for an MR2 for the summer now :sly
I think that's got popups too :lol