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Ruscoe View Drop Down
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Posts: 1514 		Post Options Post Options   Quote Ruscoe Quote  Post ReplyReply Direct Link To This Post Topic: Not so much boat insurance
    Posted: 18 Jul 12 at 12:59pm
Thats mental, at those premiums they just dont want to insure you.  Are you shopping around for insurance quotes?  The value of the car is largely immaterial as its what you hit that tends to cost the money to repair.  14 years ago when i was in your position (granted things have sadly moved on) but we used to have to ring round for hours trying to find a cheap quote.  Ask some of your friends who they insure with.

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doeywizard View Drop Down
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Posts: 150 		Post Options Post Options   Quote doeywizard Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 12:42pm
Just looked at an old fiat panda to insure as the main driver and go compare says my cheapest quote is £6300 despite saying the car is less than £1000 and very low annual millage. On a old fiesta £11,000
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http://sailingdinghies.apolloduck.co.uk/display.phtml?aid=276804
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Ruscoe View Drop Down
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Posts: 1514 		Post Options Post Options   Quote Ruscoe Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 12:07pm
Unfortuantely nowadays its going to be expensive to insure any car at 17.  a Landrover Deffender is going to cost allot of money to maintain, fuel and run.  They are also expensive to insure.  If i were you i would look at something like a Fiesta or Corsa, it would happiuly tow a Laser and be cheap to repair/Insure as well as economic.  I remember being 17 and struggling to fuel my first car even at 72p (i think) per Ltr at the time!  These small light front wheel drive cars will almost certainly be better in the snow then some soft road 4x4 like freelanders, Rav4's etc.  Which have poor 4x4 systems fat tyres and are heavy.  There is no real cheap fix either, i guess you are just going to have to pay up for the next 5 years and make sure you are careful not to make any claims.  As i understand it insurance companies make little money from young male Drivers, the premiums are high to cover the risk and cost!  The chance are you will hit something, if not you i guarantee one of your mates will.
 
Maybe one of the reasons why so many 17-22 year olds drop sailing??

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radixon View Drop Down
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Posts: 2407 		Post Options Post Options   Quote radixon Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 11:51am
Originally posted by r2d2

but if you are the main driver of the car, it is illegal to insure yourself as a named driver on your parent's policy - so check it out carefully


Sure is, has a name which has passed me now....

I would get some experience before towing, at least have someone with you to start off with, afterall, a Laser trailer is light and narrow. After seeing a 4x4 towing a XC70 on a trailer this morning on the M40 (J2) it isnt something you want to do without knowledge.
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r2d2 View Drop Down
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Posts: 350 		Post Options Post Options   Quote r2d2 Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 11:20am
but if you are the main driver of the car, it is illegal to insure yourself as a named driver on your parent's policy - so check it out carefully
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doeywizard View Drop Down
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Posts: 150 		Post Options Post Options   Quote doeywizard Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 11:04am
Thanks for the useful advice, I will certainly look at all the different options you have suggested, I just got a quote back from Flux and I was a named driver when asking for a quote and I have got a very good price back so I will look at the other cars and companies to compare 

Thanks 
Topper 46148 for sale    
http://sailingdinghies.apolloduck.co.uk/display.phtml?aid=276804
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shadeux View Drop Down
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Posts: 77 		Post Options Post Options   Quote shadeux Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 10:37am
You could try getting your parents to insure it and have you as a named driver. You could try third party, fire and theft rather than fully comp. I'm told the NFU is very competitive. Just don't go with MoreThan. Have just had a terrible experience with them. But, I'm afraid that for a young male driver the rates will be high wherever you go.
best of luck
Bruce
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GybeFunny View Drop Down
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Posts: 403 		Post Options Post Options   Quote GybeFunny Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 10:33am
+1 for 4x4 Panda.

You say you want a car for sailing and then you say you want it to work in the snow, if its just for sailing then surely you wont go sailing when it is snowy?
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Posts: 1314 		Post Options Post Options   Quote Neptune Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 9:20am
You can roof rack a laser of most things too....I remember fondly carting my laser around on the roof of my Fiat Uno at the time.
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olly_love View Drop Down
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Posts: 1145 		Post Options Post Options   Quote olly_love Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 9:16am
its not a cool, but have a look at a suiki jimmy or rav 4, its still 4x4 but being light wont get bogged down, also they are dirt cheap to run and insure, the defender has the cool factor however they are bloody expensive to run in fuel and running costs,

if you want really cheep insurance my first car 7 years ago was a fiat uno and cost 300 quid to buy but importantly only 150 quid a year to insure 3rd party,
things like golfs and astras are cheaper to insure than fiestas and corsas due to the "chav" factor


Edited by olly_love - 18 Jul 12 at 9:18am
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