Insurance at 25?

ThePrisoner · Post by **ThePrisoner** » Sun May 27, 2007 7:08 pm

Just wondering who knows anything about the insurance game, and in 2 years time when I reach 25 (GOSH!) will my insurance come down substantially?

Pris.

turbolag · Post by **turbolag** » Sun May 27, 2007 7:13 pm

Not massively.

Post by **DaiRees** » Sun May 27, 2007 8:03 pm

I thought that would happen, but it didn't really. Thing is I kept getting better more expensive cars and it didn't really go up much, so if I'd stuck with the same car it would probably have dropped a bit. I'm told the "big drop" occurs at 30, but I didn't really notice that either.

TooT · Post by **TooT** » Sun May 27, 2007 8:13 pm

Nope. At the age of 23, 24, 25 i was driving a Shitroen Paxo VTS (insurance group 14) and each year i actually struggled to get my quotes to come down each year.

jameslxdt · Post by **jameslxdt** » Sun May 27, 2007 8:15 pm

i got my renewal earlier this month for £670, but wasnt willing to pay that and got it down to £547 and im 19, and ive noticed my insurance has more than halved since i first started driving

niz406 · Post by **niz406** » Sun May 27, 2007 8:17 pm

Can I ask How much you pay now?

I pay £325 a year for my car with all mods covered too!

jameslxdt · Post by **jameslxdt** » Sun May 27, 2007 8:21 pm

bloody hell who's that with, i thought my £547 was cheap, thats with lloyds tsb

niz406 · Post by **niz406** » Sun May 27, 2007 8:47 pm

Funnily Enough its Adrian Flux, the company we get 15% off with for being members !

TooT · Post by **TooT** » Sun May 27, 2007 8:52 pm

niz406 wrote:Funnily Enough its Adrian Flux, the company we get 15% off with for being members !

Oh poo, I didnt know that, i would of rang them for a quote.

turbolag · Post by **turbolag** » Sun May 27, 2007 9:13 pm

Worst one I had was my Integrale 8v which was £1600 fully comp, but that as back in the bad old mid 90's when anything painted red with alloys was guaranteed to be stolen within 4 seconds of being parked.

I didn't really notice a year on year decline in my premiums until I got past 30 and stopped driving stupidly fast Italian stuff. The 407 costs about £400, but that's on a car costing the thick end of 30 big ones.

The Mi was a little over £100 fully comp when it was (briefly) my daily driver. Now its actually slightly more on a classic policy, although being a classic policy they didn't want my no claims, which I then reverted to the SW.

The biggest, most unexpected, drop was when I passed 35, and the insurance on the 7 series dropped from £660 to £400 or so.

tux2006 · Post by **tux2006** » Sun May 27, 2007 10:41 pm

James how did you get it that cheap?!?!

I did a quote online with lloyds and the best I could get was £973 tpft!
thats with 2years ncb on my 1.8 R reg im 19 like you..am I doing something wrong?

dervpower · Post by **dervpower** » Tue May 29, 2007 10:25 pm

how many cars you got turbolag?!!!!!!!!

turbolag · Post by **turbolag** » Tue May 29, 2007 10:52 pm

3, if you count the other 'arfs.

Playtime_Fontayne · Post by **Playtime_Fontayne** » Thu May 31, 2007 3:38 pm

Mine dropped by about 50 quid at 25 and I got that 3rd party on any vehicle clause thrown in. Direct line have always been good to me. speaking of Adrian Flux, they wern't very nice when I had my American, total shambles when I needed to cancel!

neildavies · Post by **neildavies** » Thu May 31, 2007 4:47 pm

It didn't go down at 25, or 30 with me.

I'm paying £497 this week for the coupe (17k a year), cheapest was Adrian Flux with me at £475, but I'd heard more bad things about them than good,a nd normally, I'd treat insurance as a legality, but after having an accident last year, I don't want any more hassle than needed.