utectok Posted October 21, 2012 Report Share Posted October 21, 2012 1996 Nissan almera my neighbour gave us after he gave up driving and we gave it to my daughter for her 18th. Where how does one insure it for less than £2600 Cheers Will Quote Link to comment Share on other sites More sharing options...
Chr15j Posted October 22, 2012 Report Share Posted October 22, 2012 Take her off the insurance that's how! Quote Link to comment Share on other sites More sharing options...
parapilot Posted October 22, 2012 Report Share Posted October 22, 2012 And people wonder why we have a problem with uninsured drivers........ They should be looked into, biggest rip off going, you have to get insurance, no choice so they can rip you off, then when needed wriggle out cos you filled a form incorrect etc. Quote Link to comment Share on other sites More sharing options...
Drayman Posted October 22, 2012 Report Share Posted October 22, 2012 If you or your wife have a clean licence put yourselves on the policy as named drivers - it usually brings the price down a lot. Make sure you have the car value right - can't imagine a 1996 will be that high. Restrict mileage. Quote Link to comment Share on other sites More sharing options...
dougall Posted October 22, 2012 Report Share Posted October 22, 2012 does she have clean licence?Are you prepared to pay a high excess?How many miles is she likely to actual do? We moved all cars under Admiral,both kids now accumulate own no claims history.Be v careful with named drivers etc especially if your daughter is only 1 driving the car,the advice above is on thin ice if you do not use the car. atb. Quote Link to comment Share on other sites More sharing options...
Chr15j Posted October 22, 2012 Report Share Posted October 22, 2012 does she have clean licence?Are you prepared to pay a high excess?How many miles is she likely to actual do? We moved all cars under Admiral,both kids now accumulate own no claims history.Be v careful with named drivers etc especially if your daughter is only 1 driving the car,the advice above is on thin ice if you do not use the car. atb. Don't think you read the prev post who was suggesting parent be added as named to daughters policy, nothing wrong weigh this even if never drive it. Its when parent insures and adds child as named but parent never drives it is an issue Quote Link to comment Share on other sites More sharing options...
jackinbox99 Posted October 22, 2012 Report Share Posted October 22, 2012 Best getting onto one of the comparison sites, key in all her details and try various different cars to see which is the cheapest. Just because its a free car doesnt mean its going to be cheap to insure, the insurance companies may flag that particular make / model as a high risk. You may find you`ll be better off selling the car and buying something else unfortunately. Quote Link to comment Share on other sites More sharing options...
Breastman Posted October 22, 2012 Report Share Posted October 22, 2012 If you're not going to put her on your policy get her insured before 21st December this year as after that insurance companies can't give discounts (that price is dicounted?! ) to female drivers. Don't you just love equlity law! Quote Link to comment Share on other sites More sharing options...
mark@mbb Posted October 22, 2012 Report Share Posted October 22, 2012 we had to include our kids on the company fleet policy thats the only way they would insure them Quote Link to comment Share on other sites More sharing options...
ferguson_tom Posted October 22, 2012 Report Share Posted October 22, 2012 I would suggest putting both you and your wife on as name drivers as well assuming you have clean licenses and no claims. I still put one of my parents on my insurance as a named driver as it pulls the premimum down I am 23 and been driving for 5 years !!!!, when i first started it was a few hundred quid difference and even now it can be about £50.00 difference with one of them on. Also try quotes at both Fully comp and 3rd party, and limit the mileage to say 5000 miles a year. Quote Link to comment Share on other sites More sharing options...
foxnet22 Posted October 22, 2012 Report Share Posted October 22, 2012 look into getting a smart box fitted ,this collects data on how the policy holder drives ie they need to keep to speed limits also the hours of driving are taking into consideration,it reduces the price of insurance the following year and gives a discounted price if installed i am led to believe.my son has just had this fitted but it only applies to certain cars he owns a 1.2 corsa.hope this helps .insurance is a joke it is a legalised scam imho . Quote Link to comment Share on other sites More sharing options...
Luckyshot Posted October 22, 2012 Report Share Posted October 22, 2012 (edited) Best advice would be to get a few quotes for other cars as my niece insures this mini for £761 on a 10 month bonus accelerator scheme. She is 19 and this is her first car. Edited October 22, 2012 by Luckyshot Quote Link to comment Share on other sites More sharing options...
fruitloop Posted October 22, 2012 Report Share Posted October 22, 2012 just had a quote fo my zafira and guess what ...it was more exspensive to go third party only than fully comp??? Quote Link to comment Share on other sites More sharing options...
utectok Posted October 22, 2012 Author Report Share Posted October 22, 2012 Thanks guys that's really helpful! Both me and my wife have sp30 on our licences so adding our names doesn't seem to help?! Ill keep lookin ?! Quote Link to comment Share on other sites More sharing options...
jackinbox99 Posted October 24, 2012 Report Share Posted October 24, 2012 I would suggest putting both you and your wife on as name drivers as well assuming you have clean licenses and no claims. I still put one of my parents on my insurance as a named driver as it pulls the premimum down I am 23 and been driving for 5 years !!!!, when i first started it was a few hundred quid difference and even now it can be about £50.00 difference with one of them on. Also try quotes at both Fully comp and 3rd party, and limit the mileage to say 5000 miles a year. Very true, ive 20 years NCB and been driving for 22 years. Even now, I put my 90 year old gran on my insurance for my 313hp Nissan 350z the other year and it dropped the premium from 900quid down to 650quid! Amazing but true! Best advice would be to get a few quotes for other cars as my niece insures this mini for £761 on a 10 month bonus accelerator scheme. She is 19 and this is her first car. Nice car! My first car was a 1972 Mini 850cc which cost me £20 to buy. Yes, £20. I spent another £100 on it getting it through its MOT and respraying it. Then the insurance company charged me nearly £500 to insure it 3rd party only. That was back in 1990! Quote Link to comment Share on other sites More sharing options...
triumphant59 Posted October 26, 2012 Report Share Posted October 26, 2012 Not sure you've done you daughter any favours giving her an Almera! They're not the cheapest to insure. My daughters 19 and insures her Seat Arosa 1.0l with Diamond for £600 fully Comp and in her own name. Give them a try. Quote Link to comment Share on other sites More sharing options...
Fuji Shooter Posted October 27, 2012 Report Share Posted October 27, 2012 Best advice would be to get a few quotes for other cars as my niece insures this mini for £761 on a 10 month bonus accelerator scheme. She is 19 and this is her first car. Thats a good price, did she declare all the mods as there are a few non standard items on it. My mate had his Defender nicked and they refused to pay out because although it had Defender alloys they were not standard on that model year. Worth checking Quote Link to comment Share on other sites More sharing options...
Luckyshot Posted October 27, 2012 Report Share Posted October 27, 2012 Thats a good price, did she declare all the mods as there are a few non standard items on it. My mate had his Defender nicked and they refused to pay out because although it had Defender alloys they were not standard on that model year. Worth checking Everything declared although her insurance company were not concerned as none of the mods are peformance related. Quote Link to comment Share on other sites More sharing options...
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