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Young driver pickup insurance


Mitchiet123
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Hi all,

 

I'm really struggling here. I'm buying a new Nissan Navara NP300 pickup and been quoted from £2200 up to £9k+ for insurance. I'm 22 and been driving 4 years with no accidents or points etc. Obviously living in birmingham puts the price up, but does anyone have any tips on how to get a cheaper quote?

 

I'm also curious as to whether there are any specialist insurance companies that cater for pickups or young people (or both combined!)

 

I appreciate any advice you can give!

 

Thanks,

Mitch

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My parents live in south Wales. Did a quote just to see and it came out at £800 which is less than my saab! However it's classed as fraud. Insurance companies I've spoken to want correspondence address the same as where the car is parked as well 😣

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The NFU can sometimes work out cheaper, especially if it's for agricultural use.

 

I'm with Aviva at the moment and my last renewal was under £300 if I remember correctly.

 

Will you be using it for business purposes or social domestic and pleasure?

 

Try "tweaking" your occupation in the relevant option.

 

Reduce your annual mileage if possible (however make sure you insure for the correct amount as there is a chance you will not be full covered if you under insure).

 

Where will the vehicle be parked "overnight"? On street parking will be considerably more than locked in a garage.

 

Buy an old banger and build up your "no claims discount".

 

Just my thoughts.

Edited by shoot and be safe
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The NFU can sometimes work out cheaper, especially if it's for agricultural use.

 

I'm with Aviva at the moment and my last renewal was under £300 if I remember correctly.

 

Will you be using it for business purposes or social domestic and pleasure?

 

Try "tweaking" your occupation in the relevant option.

 

Reduce your annual mileage if possible (however make sure you insure for the correct amount as there is a chance you will not be full covered if you under insure).

 

Where will the vehicle be parked "overnight"? On street parking will be considerably more than locked in a garage.

 

Buy an old banger and build up your "no claims discount".

 

Just my thoughts.

I tried NFU and they went nuts and referred me because I'll be carrying "hazardous goods" ie shotgun cartridges. Tried to explain but he wasn't having any of it.

 

I've got max 10k miles social domestic and pleasure with commuting. I've only got a choice of project manager, project worker, or management consultant all rated very similar (high! I guess project managers are fast driving kn0bheads! Haha)

 

Can only park in residential parking or on the drive. None seem to make a difference. I'm pretty stuck I think!

 

Do you know of any other cheap insurers for young drivers?

 

Cheers,

Mitch

As above, lower your sights for the time being if I were you - unless you simply HAVE to have such a large vehicle.

I've tried having other smaller cars and none seem to work for me. Can't really afford a disco/rangey etc

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The neihbours Daughter is 18 has a Dodge Ram not sure of the engine size a big diesel , needs it for pulling her horses about all overe the country. Was talking to her mother and asked her how they went on for inssurance for her, Aparently the girl inssured it herself put her mother on it as a named driver and had it fitted with telemety box. She has to be off the road by 11pm or gets charged and can not go back on road before 5am.

She paid 450 last year for that Dodge its all down to driving corectly which is no loss to the daughter becase she has horses in the trailer she cant throw about. If you drive properly it sounds an option worth trying.

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Are you self employed or Employed?

If employed and you require that style of Motor to undertake your role is there something that your employer can help you with.

 

It would still be a benefit in kind but could save you a few pounds.

Do you travel alone during working hours? 1 occupant between "X" hours

Mileage as has already been stated..

 

Think about what you do and how you do it and put a case to the insurance company.

I use Adrian Flux

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The neihbours Daughter is 18 has a Dodge Ram not sure of the engine size a big diesel , needs it for pulling her horses about all overe the country. Was talking to her mother and asked her how they went on for inssurance for her, Aparently the girl inssured it herself put her mother on it as a named driver and had it fitted with telemety box. She has to be off the road by 11pm or gets charged and can not go back on road before 5am.

She paid 450 last year for that Dodge its all down to driving corectly which is no loss to the daughter becase she has horses in the trailer she cant throw about. If you drive properly it sounds an option worth trying.

I had the same one when I was 17 I think. Change £100 of you go in the red zone!

 

Will see if they quote me...

Are you self employed or Employed?

If employed and you require that style of Motor to undertake your role is there something that your employer can help you with.

 

It would still be a benefit in kind but could save you a few pounds.

Do you travel alone during working hours? 1 occupant between "X" hours

Mileage as has already been stated..

 

Think about what you do and how you do it and put a case to the insurance company.

I use Adrian Flux

No I work in financial services so no help from employer. I run a Ltd company for consulting so BIK would be too much so not worth it. Never heard of the only using it between x hours will try that. Thanks

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Note her mum said it was cheaper with her as a named driver on the girls policy rather than if she was not on.

I dont see the logic of how that works here but thats what she said, and again it suits them because the mother uses the truck too. .

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I tried NFU and they went nuts and referred me because I'll be carrying "hazardous goods" ie shotgun cartridges. Tried to explain but he wasn't having any of it.

 

I've got max 10k miles social domestic and pleasure with commuting. I've only got a choice of project manager, project worker, or management consultant all rated very similar (high! I guess project managers are fast driving kn0bheads! Haha)

 

Can only park in residential parking or on the drive. None seem to make a difference. I'm pretty stuck I think!

 

Do you know of any other cheap insurers for young drivers?

 

Cheers,

Mitch

 

I've tried having other smaller cars and none seem to work for me. Can't really afford a disco/rangey etc

I am struggling to get this you say that you are buying a new Nissan Navara NP300 pickup that would be (£22000 ish ) and you cannot afford a Range Rover or disco perhaps not a new one but a good second hand one ?????

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I am struggling to get this you say that you are buying a new Nissan Navara NP300 pickup that would be (£22000 ish ) and you cannot afford a Range Rover or disco perhaps not a new one but a good second hand one ?????

Yes £25k for the pickup but that will last ages with no problems and hardly any running cost. But a 25k disco or rangey would be about 5 years old and high mileage and wpuld probably break down.

Example is i could buy a 25k bentley continental but it woukd be 04 plate with 100k on the clock and cost about 10k a year in repairs, fuel, servicing etc

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Yes £25k for the pickup but that will last ages with no problems and hardly any running cost. But a 25k disco or rangey would be about 5 years old and high mileage and wpuld probably break down.

Example is i could buy a 25k bentley continental but it woukd be 04 plate with 100k on the clock and cost about 10k a year in repairs, fuel, servicing etc

 

Like I said- got to agree with this thinking.

Guy I know runs a small side line in used vehicles and he has decided to not trade in Range Rovers anymore due to constant breakdowns/warranty work

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Have you tried other pickups? For some reason I have a thing in back of my head saying Nissan's are one the most expensive to insure...could be complete bullocks though.

Haven't driven any no. Didn't bother for the moment as they are all a good £75 a month +Vat more than the navara. At least.

And the new navara is insurance group 12, which I think is pretty low due to NCAP rating and things like automatic emergency braking feature. For some reason it's just not working out in my favour. Can't believe they can justify charging 3/4 grand event thkugh I've been driving 5 years and 5 years NCD with no points or claims, and work as a Business professional?!?!

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Get one of your parents to put it in there name and you as a named driver??....or get a Jimmy if it's just for shooting....gan be a shed load of doe just for your fuel in one of those trucks try something abit less hefty bud!

+1 at 22 I was driving a triumph herald it cost £150. Why start at the top and then moan about the cost?

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I was in exactly the same boat as you.. New Navara D40, 46yrs old, Safe Neighbourhood. Getting quotes between £800 and £4k! Ended up going on the Mrs Multicar :(

 

Try the Navara forum There are a few guys on there who specialise in Pick-up insurance

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When I was younger, putting my girlfield onto my insurance as a named driver reduced my insurance greatly. The Insurance industry think that a young man in a serious relationship, is a much safer risk than a single carefree young man who isn't in a relationship.

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