My son looking for car/insurance.

vectra

I am sure this question has been asked millions of times but.
My son ( soon to be 18 )
will be looking at buying his 1st car.
Only issue is he is almost 6' 1" and still growing so a small car is sort of out of the question.
He is looking at
Golf
Leon
Civic
Bora maybe..??

Something along those lines anyway.
1.4 engine.

I have searched online for insurance quotes and was expecting some seroius quotes I was NOT prepared for some that I got.

Example

Quinn
Insured in my name ( Not using my valuable bonus )
02 Seat leon 1.4
Valued 4k
4,600 euro :eek:

even down to a 1.2 polo didnt change it much.

I then went to a 00 Seat Ibiza 1.0

still at 3,400 with various companies..

Is there any other way of getting him on the road for something more reasonable than those quotes ?

Somebody said not to use the net for quotes but to actually phone the companies up ( which I think is a pain in the *** 0

Any suggestions?

gpjordanf1

vectra wrote: »

I am sure this question has been asked millions of times but.
My son ( soon to be 18 )
will be looking at buying his 1st car.
Only issue is he is almost 6' 1" and still growing so a small car is sort of out of the question.
He is looking at
Golf
Leon
Civic
Bora maybe..??

Something along those lines anyway.
1.4 engine.

I have searched online for insurance quotes and was expecting some seroius quotes I was NOT prepared for some that I got.

Example

Quinn
Insured in my name ( Not using my valuable bonus )
02 Seat leon 1.4
Valued 4k
4,600 euro :eek:

even down to a 1.2 polo didnt change it much.

I then went to a 00 Seat Ibiza 1.0

still at 3,400 with various companies..

Is there any other way of getting him on the road for something more reasonable than those quotes ?

Somebody said not to use the net for quotes but to actually phone the companies up ( which I think is a pain in the *** 0

Any suggestions?

FBD using your name should get it around 1500, a mate in same situation a few months back and thats what he found!

vectra

gpjordanf1 wrote: »

FBD using your name should get it around 1500, a mate in same situation a few months back and thats what he found!

Good stuff.
Should I ring them or go online?

gpjordanf1

vectra wrote: »

Good stuff.
Should I ring them or go online?

He rang them and then went in to check it in person. All worked out!

Recon

I wouldn't worry about his height and having to get a small car too much. A friend of mine is over 6'5" and he was driving an old model (96) VW Polo for years. Also a 1 litre (<999 cc) should work out a lot cheaper on insurance than a 1.2 or a 1.4.

vectra

Recon wrote: »

I wouldn't worry about his height and having to get a small car too much. A friend of mine is over 6'5" and he was driving an old model (96) VW Polo for years. Also a 1 litre (<999 cc) should work out a lot cheaper on insurance than a 1.2 or a 1.4.

Well,
To be fair with him.
I have a SEAT Cordoba ( Polo based )
I let him drive it in a private area a few times and his knees were up around his ears

I did look at 1.0 litre engined cars ( SEAT Ibiza )
Still around 3.5 k for insurance.
Will try FBD later on
thanks

EPM

gpjordanf1 wrote: »

FBD using your name should get it around 1500, a mate in same situation a few months back and thats what he found!

But if they find out you're not the actual main driver ye could be stuffed...

vectra

EPM wrote: »

But if they find out you're not the actual main driver ye could be stuffed...

Theoreticaly ( SP )
I will be the main driver as he will NOT be using the car on his own until he does his test.
I will drive it at times.

Long Onion

could be to do with his height - the brain signals take longer to get to the feet and so the reaction times are slower - try tell them he's 4'6";)

On a serious note, there is no rhyme or reason to insurance anymore, my own is up for renewal on 30/07 and went to insure.ie 13 quotes came back in all cheapest was €409 most expensive €813!

I think they range from "we really want your business" to "meh" to "we don't like your type 'round here"

phoning is a pin in the aras but worthwhile i don't know if hibernian still have that ignition thing but it used to be well worthwhile.

ronnie3585

Try a broker. They take a lot of the dog work out of shopping around.

I use McCarty Insurance Group down in Cork http://www.mig.ie/. They were able to get me an excellent quote, better than any other insurance co or broker I contacted. I'm not sure what their policy is re young drivers though.

EPM

vectra wrote: »

Theoreticaly ( SP )
I will be the main driver as he will NOT be using the car on his own until he does his test.
I will drive it at times.

Sounds like a plan if thats the case.

Try McCarthys in Fermoy, they are usually handy enough price wise

GTE

I was quoted for my 90bhp 1.9 TDI Golf Estate, totally base model, nothing mad.



Wait for it






















€7000

Id have to write the car off two and a third times according to the Top Gear logic when they did a show on insurance a couple of weeks ago.

I dont know what some companies are at.

I eventually got it down to 3500/2200 (provisional/full on 3rd party) with Quinn and my Dad knows someone in Allianz who has it down to 3200.
Most companies are quoting me around the 4 to 5 mark.

Oddly the 1.4 petrol is only 200 quid cheaper

dubstub

bbk wrote: »

Id have to write the car off two and a third times according to the Top Gear logic when they did a show on insurance a couple of weeks ago.

Or just crash into another car once and cause more than €7,000 worth of damage. Or worst case, injure someone and have a massive potential pay-out on your hands.

As ridiculous as insurance seems for young drivers the potential losses for the insurance companies are huge.

ronnie3585

bbk wrote: »

Oddly the 1.4 petrol is only 200 quid cheaper

I would think it has more to do with you age, provisional licence and driving experience rather than the capacity of the engine.

NewApproach

In my experience the price difference between engine sizes (1l >1.6) is negligible, your talking 5-10% max.

GTE

ronnie3585 wrote: »

I would think it has more to do with you age, provisional licence and driving experience rather than the capacity of the engine.

Id tend to agree there, however I have always been told and under the impression that its to do with engine size on top of all that.

Like, a 2 grand general quote for being 18 and on a provisonal then the engine size added ontop of that.

Still, its something I have no idea about and Im not going to try and understand.

Fingers crossed that nothing happens to me Im looking forward to some cuts in the cost.


For the thread starter, if all things go well with your son 6 months is the longest you will have to be on the provisional insurance for.
I got 2200 quote for a full license (18 years old) although I will be 19 in 6 months.

martydunf

Worth giving brittoninsurance.com a go. They seem to be one of the few reasonable insurance co's left! Not with them myself yet but more than likely will be when my policy is up next month as the renewal quote will probably be more than what it was last year as there seems to be a general rise in insurance prices. (esp. for the younger crowd:p)

Eoin

NewApproach wrote: »

In my experience the price difference between engine sizes (1l >1.6) is negligible, your talking 5-10% max.

My experience was the complete opposite. Difference of ~500 or so going from a 1.0 to 1.1.

Vectra; I don't think that almost 6.1 is particularly tall. It certainly wouldn't be tall enough to rule out small cars. Anyway - do small cars really compromise the driver's position all that much? I'd have thought it would be more the boot and back seats that are more likely to suffer the most. Could be wrong though.

legend365

vectra wrote: »

I let him drive it in a private area a few times and his knees were up around his ears

Seats are adjustable.

Im 6'4 and drive a polo comfortably.

Edit: And try claim him as being a girl. insurance will be nothing then

godtabh

I drove a Fiat Punto and I've over 6 foot. My dad often drove it and he is over 6'3 and still had lots of head/foot room

Irishpimpdude

Im driving a 03 seat ibiza 1.2 atm and insurance was 2100 3rd party on my own insurance and im 18 and was on a provisional, that was the best quote i got, quinn seem to be the best for young drivers.

Santa Claus

slightly off-topic but I once saw Sebastien Chabal (the caveman like 6'3" french number 8) driving a smart car....I thought it was a publicity stunt but apparently it's his daily run about car

Eoin

Santa Claus wrote: »

slightly off-topic but I once saw Sebastien Chabal (the caveman like 6'3" french number 8) driving a smart car....I thought it was a publicity stunt but apparently it's his daily run about car

Yep, I've heard that too. Though I think he had the two seater SMART car hatchback which has buckets of room because there are no back seats.

Alanstrainor

I'm 6 2 and have been unfortunate enough to get stuck driving a 1.4 4 speed auto box Polo:o:o for the last few weeks and i fit in it grand. I wouldn't think there'd be much of a problem in something small like a fiesta.

Mycroft H

vectra wrote: »

Well,
To be fair with him.
I have a SEAT Cordoba ( Polo based )
I let him drive it in a private area a few times and his knees were up around his ears

I did look at 1.0 litre engined cars ( SEAT Ibiza )
Still around 3.5 k for insurance.
Will try FBD later on
thanks

I'm six two, and i have no problem driving a toyota aygo, which belongs to my aunt. Try adjust the seat to the max distance back!


1 liter max for first time insurance. Anything other will just cost a fortune.

gillo_100

Engine size can have a big enough difference but it will vary between different car makes. It goes more by insurance group.

http://www.parkers.co.uk/insurance/#ig=0&manu=4256&model=295

will show you what insurance group different cars are in the lower the better.

One example how its not just engine size, I drive a 1.4 honda civic which is group 7, where as a 1.4 fiesta is only group 4. This site is for UK but I would imagine is same here.

Santa Claus

gillo_100 wrote: »

Engine size can have a big enough difference but it will vary between different car makes. It goes more by insurance group.

http://www.parkers.co.uk/insurance/#ig=0&manu=4256&model=295

I drive a 1.4 honda civic which is group 7, where as a 1.4 fiesta is only group 4. This site is for UK but I would imagine is same here.

You'd be wrong in assuming that unfortunately.
The Irish insurance industry doesn't believe in that kind of thing as then we might be able to guess how much our insurance should be likely to cost when changing car and they wouldn't be able to rip us off as much :mad: Irish insurance prices are based on a variety of factors including the following :
- Do you have a penis
- Are you under 50
- Is it raining
- Is it one of those fancy cars (i.e. something better than the person who's quoting you drives)
- Was there no tea left in the canteen and so is the person doing the quote in a bad mood
- Best out of 3 coin tosses as to whether it'll be over or under 5k if it's for a young lad on his first provisional

As for the OP, get the son a small un-trendy old lady car like a micra/vw lupo or fox (or whatever they're calling it these days) for the first year and then when he has some NCB maybe look at popping him into something a little bit larger.
I'm 6'4 and have no probs driving the mothers polo once the seat is pushed all the way back so don't know how your sons knees could be up to his ears unless he had the seat right under the steering wheel !

Flyer1

I'm raging with insurance at the moment.

Last year my insurance was €850, which was great. Got my renewal quote today for €1234. I thought they missed a decimal place, turned out they are taking the p!ss. After getting on the phone to them they kindly knocked €100 off the price.

Quick call around, Quinn direct come to me with an offer of €570, all the bells and whistles.

I rang back my own insurance company, the lady said " but quinn are slow to pay out ". I mentioned the fact that the two years i've been with them I haven't had one claim, no penalty points and i've driven about 30,000miles.

They really must pull figures out of the air.

Keith C

Flyer1 wrote: »

I'm raging with insurance at the moment.

Last year my insurance was €850, which was great. Got my renewal quote today for €1234. I thought they missed a decimal place, turned out they are taking the p!ss. After getting on the phone to them they kindly knocked €100 off the price.

Quick call around, Quinn direct come to me with an offer of €570, all the bells and whistles.

I rang back my own insurance company, the lady said " but quinn are slow to pay out ". I mentioned the fact that the two years i've been with them I haven't had one claim, no penalty points and i've driven about 30,000miles.

They really must pull figures out of the air.

Over the last few years insurance companies we're "buying" in new business applying all sorts of discounts, now these discounts are all being removed & premiums are jumping up. Swings & roundabouts, one company will be cheap one year, next year it will be someone else.

To the O/P stick your son as a named driver on your policy until he gets a full licence, then ring up your insurance company & ask will they give an intro NCB as he is a named driver.
or
Don't bother putting yourself as main driver (not using your NCB) & son as a named driver on new car. The rating engine will still base the quote on your sons details. i.e put insurance in his own name & let him start earning his own NCB

2 Espressi

Oh jaysus, Nicky's drivin?

In fairness, the Polo seats are pretty low down, I've a 97 outside, and it feels like a sportscar compared to the Ignis!

tuom

vectra wrote: »

I am sure this question has been asked millions of times but.
My son ( soon to be 18 )
will be looking at buying his 1st car.
Only issue is he is almost 6' 1" and still growing so a small car is sort of out of the question.
He is looking at
Golf
Leon
Civic
Bora maybe..??

Something along those lines anyway.
1.4 engine.

I have searched online for insurance quotes and was expecting some seroius quotes I was NOT prepared for some that I got.

Example

Quinn
Insured in my name ( Not using my valuable bonus )
02 Seat leon 1.4
Valued 4k
4,600 euro :eek:

even down to a 1.2 polo didnt change it much.

I then went to a 00 Seat Ibiza 1.0

still at 3,400 with various companies..

Is there any other way of getting him on the road for something more reasonable than those quotes ?

Somebody said not to use the net for quotes but to actually phone the companies up ( which I think is a pain in the *** 0

Any suggestions?

We got a 95 "Classic" Fiesta for our daughter 18 in hubbys name insurance for her was 695 with Quinn , heart is in my mouth now that she is on the road !!! still we all had to start somewhere good luck

bladebrew

Flyer1 wrote: »

I'm raging with insurance at the moment.

Last year my insurance was €850, which was great. Got my renewal quote today for €1234. I thought they missed a decimal place, turned out they are taking the p!ss. After getting on the phone to them they kindly knocked €100 off the price.

Quick call around, Quinn direct come to me with an offer of €570, all the bells and whistles.

I rang back my own insurance company, the lady said " but quinn are slow to pay out ". I mentioned the fact that the two years i've been with them I haven't had one claim, no penalty points and i've driven about 30,000miles.

They really must pull figures out of the air.

+1 for quinn,they must be sick of me,long story short,hit a pedestrian (not as bad as it sounds),ended up in court got a conviction and 5 penalty points,the claim against me was settled a few weeks ago,

i got my renewal letter last week my insurance went down by around €20, €588 of my renewal quote is because of the claim:eek:
they are one of a few companys that give new drivers a chance,

vectra

2 Espressi wrote: »

Oh jaysus, Nicky's drivin?

In fairness, the Polo seats are pretty low down, I've a 97 outside, and it feels like a sportscar compared to the Ignis!

LOL

Yup
Gave up the RC
Got a Girlfriend...
Now he needs transport to get to her..;)

He has his own funds to buy one so nothing out of my pocket.
I suppose scour for a nice 1.0 polo?
Is your one 1.0 ??
That thing seemed to drive like the clappers

tuom wrote: »

We got a 95 "Classic" Fiesta for our daughter 18 in hubbys name insurance for her was 695 with Quinn , heart is in my mouth now that she is on the road !!! still we all had to start somewhere good luck

Could be a plan
Did you husband just insure it not using his NCB ?

** EDIT **
Just spotted there that it was a DAUGHTER you insured.
I bet they will quote me at least double for my son
Did you phone them or get a quote online?
I was told to ring them.. Better quotes.

darcy.jonny

OP .

i think if you ask any of us what our insurance was like when we were 18 uld get all sorts of mad figures for me nine years ago i was payin 3600 pound .

i remember hibernian doing a young drive thing years ago by putting tracking devices in the cars etc. try look that up .

if he was to buy a car/van focous etc. he could try get commerical insurance ........ just a wild though but at 23 i got a mitusibishi l200 big 2.4 turbo diesal job, my car insurance at the time was 2000 or there abouts i got the jeep on FBD commerical for 750 euro fully your comp. so maybe worth a phone call .............

Donnelly117

put him under ur name on the new car, try an astra, they seem to be in a low insurance group

tuom

vectra wrote: »

LOL

Yup
Gave up the RC
Got a Girlfriend...
Now he needs transport to get to her..;)

He has his own funds to buy one so nothing out of my pocket.
I suppose scour for a nice 1.0 polo?
Is your one 1.0 ??
That thing seemed to drive like the clappers




Could be a plan
Did you husband just insure it not using his NCB ?

** EDIT **
Just spotted there that it was a DAUGHTER you insured.
I bet they will quote me at least double for my son
Did you phone them or get a quote online?
I was told to ring them.. Better quotes.

went online but had to send in NCB cert you might have a point on it being a daughter, i was also told to ring them as you can bargain better
and get a good deal its a minefield though i think

IsaBrown

My son is 18 and is taking driving lessons with Aviva.If you book ten lessons in advance you'll get an extra one for free,they'll also insure the learner for six months,all for 389 euro,t&c apply

snowman707

Britton Donegal were by far cheaper for my 17 year son covered under my policy in 2.2 ltr dsl.

my daughter tried them when her renewal was due & they couldn't match axa (not far out)

I am well over 6 foot & i drive my daughter's yaris with ample room to sapre.

legend365

bladebrew wrote: »

+1 for quinn, they are one of a few companys that give new drivers a chance,

Wrong...

I started off paying 2500 insurance for a 1.4 polo with them..

...i ring them a week ago to get a quote on a civic...not a type R and not over 2.0..just a civic

..'No sorry you have to be over 21'...bull$hit

FBD gave me a quote of 1400. Meh not bad but i want lower.

And this is all with 2 years NCB and full license. What do i need a shotgun too?

darcy.jonny

And this is all with 2 years NCB and full license. What do i need a shotgun too?[/quote]


haha wouldnt that be great ............ i live in dublin 22 cant get insurance from quinn anymore pmsl wonder would they reconsider if i sent them a copy of the gun liscence with the ncb hahaha

vectra

legend365 wrote: »

Wrong...

I started off paying 2500 insurance for a 1.4 polo with them..

...i ring them a week ago to get a quote on a civic...not a type R and not over 2.0..just a civic

..'No sorry you have to be over 21'...bull$hit

FBD gave me a quote of 1400. Meh not bad but i want lower.

And this is all with 2 years NCB and full license. What do i need a shotgun too?

Thats strange,
A friend of my son has a civic insured with Quinn.. He is only 17.. I think he paid just over 2k for cover.

evanSpiddal

legend365 wrote: »

Wrong...

I started off paying 2500 insurance for a 1.4 polo with them..

...i ring them a week ago to get a quote on a civic...not a type R and not over 2.0..just a civic

..'No sorry you have to be over 21'...bull$hit

FBD gave me a quote of 1400. Meh not bad but i want lower.

And this is all with 2 years NCB and full license. What do i need a shotgun too?

LOL, over 21 for a Civic??? I got insured on my Civic (02 1.4 3dr) at 17 with a provisional licence for 2000 with Quinn Direct, just renewed a few weeks ago 2 years NCB at 19 and got it for 1100 (with a full licence)

freedom of info

ronnie3585 wrote: »

I would think it has more to do with you age, provisional licence and driving experience rather than the capacity of the engine.

age is not an issue, if you slip up at all they will throw the book at you, i gave up driving 2 years ago, and now expected to start from scratch, my insurance then was 397 comp on a 1.4 leon, quotes now on a fiesta range from 950 to 1300, im 44 full licence since i was20.

the problem is the insurance companies are a cartel, with limited foreign competition, one of the points of the nice treaty was free movement of goods services and people, our shower managed to get a dispensation

Keith C

freedom of info wrote: »

age is not an issue, if you slip up at all they will throw the book at you, i gave up driving 2 years ago, and now expected to start from scratch, my insurance then was 397 comp on a 1.4 leon, quotes now on a fiesta range from 950 to 1300, im 44 full licence since i was20.

the problem is the insurance companies are a cartel, with limited foreign competition, one of the points of the nice treaty was free movement of goods services and people, our shower managed to get a dispensation

LOL how is it a cartel? most people will tell you that you can play insurance companies off each other & end up with a lower premium & the competition authority keeps an eye.#I for one wouldn't fancy dealing with e.g a spainish insurer based in spain with for a claim or waiting for a cert to be posted out!

freedom of info

Keith C wrote: »

LOL how is it a cartel? most people will tell you that you can play insurance companies off each other & end up with a lower premium & the competition authority keeps an eye.#I for one wouldn't fancy dealing with e.g a spainish insurer based in spain with for a claim or waiting for a cert to be posted out!

hibernian are now based in india, also the price difference in most cases is marginal, a 2 year break and your quote increases by almost 300% with no regard for the 20years previous no claims, come on they're having al augh

Damien360

The quotes do not seem out of line with the amount I paid in 98 for a 1.3L Colt valued at 10000 pounds. I paid 3000 for my first insurance and 1500 one year later with full license. Was 25 then.

I remember the age of decent insurance quotes getting pushed from 21 to 23 to 27. What is it now. 30 before you can expect reasonable values ?

MagicMarker

I'm 6'4 and drive a Punto, loads of room.

vectra

MagicMarker wrote: »

I'm 6'4 and drive a Punto, loads of room.

Did that affect the cost of your insurance??

Keith C

freedom of info wrote: »

hibernian are now based in india, also the price difference in most cases is marginal, a 2 year break and your quote increases by almost 300% with no regard for the 20years previous no claims, come on they're having al augh

im sure the 700+ staff in hatch st would beg to differ let alone the staff in galway & Cork!
Your 20 years no claim is reflected in your no claims bonus. Do you expect insurance to drop to €5 because your diving years without a claim??

freedom of info

Keith C wrote: »

im sure the 700+ staff in hatch st would beg to differ let alone the staff in galway & Cork!
Your 20 years no claim is reflected in your no claims bonus. Do you expect insurance to drop to €5 because your diving years without a claim??

i expect my insurance to be reasonable no higher than 600 euro, given my age and record, im looking to insure a ferrari i have no problem with anyone making a profit, also given the fact thatthe insurance companies successfully negotiated restricted pay outs and legal involvement, i think its a bit rich quoting an average of a grand to me, for a crap ford fiesta 1.1 maybe you have money to burn i dont, one notable company has used the excuse that they lost money on their shares, so the cost of insurance goes up, when they were making huge money on those shares did they substantially cut the cost to the punter

Eoin

Insurance costs did drop considerably.