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Ryan H | Anyone know whats going on with my insurance quote? |
I am REALLY confused about these quotes i got, i have my test booked for the 10th of december and i am thinking about insurance so i got a quote for me on my dads car, the original quote for me (anticipated full uk license) and my dad (full uk) was approx £2400 and i thought that was ok but then i decided to find out what my quote would be with a provisional and i got the cheapest quote of £1500...........................
i cant say much more than that........anyone understand why the hell they would charge a full uk license holder more than a provisional. I did not put in any other details, i only amended the named driver license (me). oh incase this is encouraging anyone, the provisional quote was with quinn (i think its spelt that way) and the full license quote was with churchhill.
anyone got an answer???? |
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nikzy911
 |
The quote on your provisional will be lower for 2 reasons:
1) the excess will be bigger
2) Provisional licence drivers can't drive without a driver over 21 who has held a full licence for 3 years or more in the car supervising them.
It sucks but you are best getting yourself insured as the named driver, then you can build up your own no claims bonus.
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DG Silva
 |
On a provisional license, your father would be in the car with you at all times, you would not be in the car on your own. With a full license, there could be times when you are on your own in the car, without someone who has the experience, hence the premium would be higher.
Try going for the pass plus scheme, it will drop you premium by a third. Fit an alarm and immobiliser. Say that your car is in a garage overnight. Reduce the yearly mileage. All of these things would reduce your yearly insurance premium. |
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WelshLad
 |
Full UK more because you would be driving on your own.
On a provisional licence you are always accompanied and also you can't drive on the motorway. |
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AmazingLaZR!
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Insurance with a provisional license is cheaper because there are certain restrictions, you can't have underage people in the car with you and you aren't allowed to drive late at night, therefore you are less of a liability in the eyes of an insurance company.
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Gary G
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The reason your quote on a provisional licence was cheaper is because the insurance company knew you would be driving with a licence holder in the passenger seat.
You start driving by yourself and all of a sudden you are a bigger risk.... well figure that.
Churchill are trying to tell you to find another insurance company as you do not fit their profile. ie I expect they want middle aged customers not younger people.
Try looking for insurance on confused.com
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glencat67
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simply you are a higher risk to the insurance companies in the 1st year of your full licence because you are now allowed to drive on your own whereas you were driving with a fully licenced driver with you on a provisional licence. |
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Sarah_Lou
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Churchill are rip offs, I had my first car under quinn, try a full quote with them, if you been a named driver even as a provisional on insurance they give you discounts for your first year.
Hope this helps x |
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Annaaaa B
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there stealing from you!!!!!
so get help from someonee.
oh and i love you because you have british money, which means you have an english accent and i love english accents!!!!!!<3333 |
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