Mitchiet123 Posted May 9, 2016 Report Share Posted May 9, 2016 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 Quote Link to comment Share on other sites More sharing options...
ditchman Posted May 9, 2016 Report Share Posted May 9, 2016 jesus wept................im really sorry for you......what about finding a friend/mate/relative that lives away from Brum and have that as the registered address...........? Quote Link to comment Share on other sites More sharing options...
Mitchiet123 Posted May 9, 2016 Author Report Share Posted May 9, 2016 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 😣 Quote Link to comment Share on other sites More sharing options...
shoot and be safe Posted May 9, 2016 Report Share Posted May 9, 2016 (edited) 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 May 9, 2016 by shoot and be safe Quote Link to comment Share on other sites More sharing options...
Dave-G Posted May 9, 2016 Report Share Posted May 9, 2016 As above, lower your sights for the time being if I were you - unless you simply HAVE to have such a large vehicle. Quote Link to comment Share on other sites More sharing options...
Mitchiet123 Posted May 9, 2016 Author Report Share Posted May 9, 2016 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 Quote Link to comment Share on other sites More sharing options...
shoot and be safe Posted May 9, 2016 Report Share Posted May 9, 2016 Another long shot is if you haven't done the deal yet, is to ask if the dealer will include insurance with the deal. It's always worth an ask Quote Link to comment Share on other sites More sharing options...
TONY R Posted May 9, 2016 Report Share Posted May 9, 2016 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. Quote Link to comment Share on other sites More sharing options...
bakerboy Posted May 9, 2016 Report Share Posted May 9, 2016 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 Quote Link to comment Share on other sites More sharing options...
Mitchiet123 Posted May 9, 2016 Author Report Share Posted May 9, 2016 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 Quote Link to comment Share on other sites More sharing options...
TONY R Posted May 9, 2016 Report Share Posted May 9, 2016 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. . Quote Link to comment Share on other sites More sharing options...
four-wheel-drive Posted May 10, 2016 Report Share Posted May 10, 2016 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 ?? Quote Link to comment Share on other sites More sharing options...
Jaymo Posted May 10, 2016 Report Share Posted May 10, 2016 What's he is say is he can't afford the ridiculous running costs of a disco/rangy in the same sort of price bracket. Had the D40 kingcab and wish I had never parted with it and would have the np300 in a flash esp in bronze :-) Quote Link to comment Share on other sites More sharing options...
Mitchiet123 Posted May 10, 2016 Author Report Share Posted May 10, 2016 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 Quote Link to comment Share on other sites More sharing options...
Jaymo Posted May 10, 2016 Report Share Posted May 10, 2016 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 Quote Link to comment Share on other sites More sharing options...
ferguson_tom Posted May 10, 2016 Report Share Posted May 10, 2016 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. Quote Link to comment Share on other sites More sharing options...
Mitchiet123 Posted May 11, 2016 Author Report Share Posted May 11, 2016 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?!?! Quote Link to comment Share on other sites More sharing options...
Mitchiet123 Posted May 11, 2016 Author Report Share Posted May 11, 2016 Another long shot is if you haven't done the deal yet, is to ask if the dealer will include insurance with the deal. It's always worth an ask Good shout, like you say long shot but don't ask don't get!! Quote Link to comment Share on other sites More sharing options...
dawntredder Posted May 11, 2016 Report Share Posted May 11, 2016 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! Quote Link to comment Share on other sites More sharing options...
oowee Posted May 11, 2016 Report Share Posted May 11, 2016 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? Quote Link to comment Share on other sites More sharing options...
motty Posted May 11, 2016 Report Share Posted May 11, 2016 Why buy a brand new pick up? Quote Link to comment Share on other sites More sharing options...
trickyh Posted May 12, 2016 Report Share Posted May 12, 2016 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 Quote Link to comment Share on other sites More sharing options...
Stonepark Posted May 12, 2016 Report Share Posted May 12, 2016 It might be worth setting up a company and going down the business insurance route for any driver. Quote Link to comment Share on other sites More sharing options...
Jamesey1981 Posted May 12, 2016 Report Share Posted May 12, 2016 Get one of your parents to put it in there name and you as a named driver? This is known as "Fronting" and is actually fraud. Quote Link to comment Share on other sites More sharing options...
pjw4233 Posted May 12, 2016 Report Share Posted May 12, 2016 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. Quote Link to comment Share on other sites More sharing options...
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