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  1. #1
    DF Jedi big man's Avatar
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    Default Car insurance @ 25 ???

    Hi guys,

    i put this in the D&D so hopefully more people will see it

    I'm getting myself a car soon (hopefully in the next week or so), and i was wondering about insurance. I turn 25 in a couple of weeks, and i was always told that 25 was the 'magic number' where your insurance starts to go down.

    I used directline.com (just to get a ballpark figure) and when i set the policy start date to the day after my birthday, it worked out about £20 cheaper than if i started the policy tomorrow.

    What i want to know is, would i be better off waiting till i am actually 25 to get the policy, or is it not going to make that much difference.


    Hope that makes sense

    Cheers, Big man

  2. #2
    DF PwNagE Shotgunjim's Avatar
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    Default Re: Car insurance @ 25 ???

    To be honest it is all about no claims... being a bloke you are going to get stung with insurance costs anyway.... plus it depends on the car... a high grade motor will cost more what ever your age...

  3. #3
    DF PwNagE Tattooed Freak's Avatar
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    Default Re: Car insurance @ 25 ???

    I am 25, have 3 years no claim's and the missus as a named driver (she is 26). Fully comp with Direct Line is approx £350.

  4. #4
    DF Jedi gurry's Avatar
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    Default Re: Car insurance @ 25 ???

    I think once you get to 25 the magic number moves to 30 !!!!!

    As said I would'nt worry about the age just the NCB

    It still cost me about 450 full comp on my 1997 323 BMW with full protected no claims. I am now 28 and the price hsa not changed too much since before I was 25....

    Insurance companys = T@$$ERS

    IMO of course

  5. #5
    DF Jedi jimbob2002's Avatar
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    Default Re: Car insurance @ 25 ???

    yep its a facking moving target.

    when i was 17 the magic no. was 21
    then when i was 20 it moved to 25
    then at 24 it moved to 30

    even now at 27 with max no claims I still pay around 900 (inc n.c.protection)

    but having said that it is for a Jap import Mitsubishi FTO GPX (2.0 V6 200 BHP)

  6. #6
    DF Jedi big man's Avatar
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    Default Re: Car insurance @ 25 ???

    Right - cheers for the response guys

    Looks like i'll just go ahead and get the insurance asap then - need the car

    Right - now i've just got to find some bugger that'll insure me for less than the cost of a house

  7. #7
    DF Jedi big man's Avatar
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    Default Re: Car insurance @ 25 ???

    Been looking all day, and there were some companies that had a significant drop in cost at 25 (directline, norwich union), but they were still bloody expensive overall

    In the end, i found admiral to be the best. they were cheapest by about £400 or so

    Just thought you might like to know

  8. #8
    DF PiMP ALZ's Avatar
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    Default Re: Car insurance @ 25 ???

    I tried a lot of companies last year, but found that AXA now quote on you're actual post (house address) code rather than the area where you live, and got fully comp cheaper than 3rd party with others.Living in liverpool this was bloody amazing.
    Give them a try, good luck

    Alz

  9. #9
    DF Jedi urbsy's Avatar
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    Default Re: Car insurance @ 25 ???

    Axa are struggling at the moment on car insurance after losing quite a number of good contracts and so are getting highly competetive indeed.
    give em a try on [Only registered and activated users can see links. ]

    urbsy

  10. #10
    DF Rookie **JONESY**'s Avatar
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    Default Re: Car insurance @ 25 ???

    First thread boys (cherry popped)

    Hi Big Man

    Can you help me out I am 23 and I am going to renew my car insurance next week, I have been on my dads company car insurance policy paying only £600 lasts few years but it has gone up this year to over £890 and I have not had a claim, so I am going to come off his policy and see what the best price is I can get. It’s for an Audi A4 1.8 N Reg 1995.

    Know any good company’s I should be looking at? I know they all rip you off but you never know some one out their might know of a good one.

    Have you sorted your policy out, by the way what car are you getting?

    By the way jimbob2002 nice car.

    L8R

    JONESY

    (To the administrators)

    Nice site boys. Keep up the good work. Been look at your site for a while but only just signed up today.

  11. #11
    DF Rookie teach's Avatar
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    Default Re: Car insurance @ 25 ???

    Wassup!

    Signed up today big man! Thanks for the herb last night

    Oh, regarding the car insurance

    It might prove cheaper if you weren't planning on driving a car with a 2.5 V6!

    Take it easy M8

    until the Libertines!
    :thumbs

  12. #12
    DF Jedi big man's Avatar
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    Default Re: Car insurance @ 25 ???

    Hi Jonesy

    [Only registered and activated users can see links. ]

    Take a look in here, there's loads of reccommended companies. Some will bex extortionate, some will be ok

    I ended up getting one quote from the AA for 4.5k !!!! in the end, admiral offered my £901, and adrian flux offered £800

    Lot of shopping around, but well worth the effort as you can see

  13. #13
    DF Wh0re REPAIRMAN's Avatar
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    Default Re: Car insurance @ 25 ???

    Try [Only registered and activated users can see links. ]
    they search all the insurance companys and give you quotes from nearly all off them.
    It saved me over £300 On my V6 Ford Cougar

  14. #14
    DF PlaYa CON-DIGI's Avatar
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    Default Re: Car insurance @ 25 ???

    Quote Originally Posted by ALZ
    I tried a lot of companies last year, but found that AXA now quote on you're actual post (house address) code rather than the area where you live, and got fully comp cheaper than 3rd party with others.Living in liverpool this was bloody amazing.
    Give them a try, good luck

    Alz
    Good point, your premiums are calculated on where you live,(As well as age,NCB) so if you live in a rural area(Regarded as a low crime location), your premium will be noticably less than if you live in somewhere like Liverpool, Manchester,(High crime locations)

  15. #15
    DF Wh0re REPAIRMAN's Avatar
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    Default Re: Car insurance @ 25 ???

    I live in Manchester & car insurance is,nt that bad if you look around
    Wales has the highest car crime in the UK so i.m told

  16. #16
    DF PiMP jayc's Avatar
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    Default Re: Car insurance @ 25 ???

    Some insurance companies don't ask for proof of no claims and can save quite a bit.
    I'm 25 and drive a 4.0 landrover discovery. i pay £440 fully comp and when i asked them were to send the proof of no claims they said not to bother as it would not lower my policy.
    I was so impressed at the price (other companies quoted up to £1300) that I asked them to quote for my other landrover and they did that at £100 3rd party f/theft.

    Try sureterm direct.

    Jay

  17. #17
    DF PlaYa CON-DIGI's Avatar
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    Default Re: Car insurance @ 25 ???

    Quote Originally Posted by REPAIRMAN
    I live in Manchester & car insurance is,nt that bad if you look around
    Wales has the highest car crime in the UK so i.m told
    Then you've been fed a load of crap! i think you'll find that places like Portmadog and surrounding areas are a far lower risk than Manchester, but places like Cardiff and Swansea are a different ball game..

  18. #18
    DF Wh0re REPAIRMAN's Avatar
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    Default Re: Car insurance @ 25 ???

    Did i hit a nerve there.
    If you read the post again it just says Wales not specific places.
    And it probably is a load of crap as it came from the national press.

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