Advice On Modifications...

[marksy93]

ta, and shall put pics up asap - should look good

 

[maff-o8]

yup they are bds 1.2 and i got a quote for 5k

try aviva mate, mine is £1200 with my mum as a named driver, comprehensive in my own name

 

[Chris_a_73]

you're 17? which car you got?

 

[marksy93]

ha ha mine was 700 fully comp in my dads name

 

[Chris_a_73]

Is his name on the log book....? Plus you're a named driver, so you ain't earning NCB right? I thought it was best to bite the bullet now, and get high premiums over and done with....

 

[maff-o8]

nope im 18 but its my first car, yeah i'd rather build up my claims and pay that little bit extra just to have it in my own name

 

[Chris_a_73]

How the eff is yours £1200?! Have you got your 1years NCB, and had your full licence for over a year? Also which car you got Maff?

 

[maff-o8]

nope i've only been driving it a month, i was a lazy twat and never botherd getting a car when i passed haha, i passed in january this year, and its a 1.2 sx

 

[Chris_a_73]

What the feckkkk. That is ultra lame....

I will definitely be calling Aviva this week!

 

[maff-o8]

just get a quote online mate, try just one of your parents, weirdly mine was about 200 more with both on my policy, and i got mine straight online, no hassle over the phone then

 

[Chris_a_73]

Right, just tried a quote.

Technically, in 2 weeks I'll have 1 years no claims bonus as I started it whilst I was on my provisional, however I've only held my licence for 5 months....and many online quotes don't let you have more NCB than time licence has been held, so I guess I'll need to call them up.

However, with 1 years NCB and holding the licence for the year, my quote was £1650 or so, and with no NCB and held licence for less than a year, quote was £3900 or so....

 

[rf860]

NCB only applies once you have your full licence, so techically you have 0 years NCB. How is your insurance so expensive, i have a more powerful car than yours and i paid £1030 with 0 years NCB, main driver fully comp and 3 point on my licence?

 

[Chris_a_73]

How long have you held your licence for?

 

[rf860]

How long have you held your licence for?

1 yr 7 months

 

[Chris_a_73]

Well there ya go

I've had mine for 5 months, and have a few mods

Will argue my case for my NCB, as I've held the policy for 1 year and have made no claims, and increased my premium payment once I passed, therefore should be open to 1 years no claims.

Hopefully my renewal will be £1.9k or so.

 

[rf860]

Well there ya go

I've had mine for 5 months, and have a few mods

Will argue my case for my NCB, as I've held the policy for 1 year and have made no claims, and increased my premium payment once I passed, therefore should be open to 1 years no claims.

Hopefully my renewal will be £1.9k or so.

might as well try it, oh and forgot to say, i have my suspension declared on that as well!

 

[Blanco92]

I'm with Aviva, on my mum's policy. She technically owns the car and covers about as many miles as I do in it so that's fair enough. Passed my test in May, no accidents, points etc. She has 4 years NCB and been driving for decades (again no accidents or points) and it's £1,200 per year.

On my own policy it would have been £2,600.

Hopefully when insurance comes for renewal (hopingly I'll have kept my nose clean so to speak), the insurance companies will bear in mind I've had a license for a year (won't have any NCB though) and will lower the premium.

They're all robbing bar stewards.

 

[marksy93]

top and bottom of it is that all insurance companies are bds

 

[Chris_a_73]

2 or 3 years left of horrendous premiums, then it's over

However, by then I'd of paid much more than my car's actually worth T_T

 

[marksy93]

yup true...but if your working at waitrose your be fine -