repaired cat D cars- insurance help

[Slammed]

why hello all right time has come my test is luming round the corner and i am looking for a new daily (i already have 2 osf's corsair and cortina) so im looking new 'usual' first cars (56 plate onwards..) as this will last me a good 3 years hopefully

 

 

unfortunately as it is there a litle out of my price range, i am looking at light slave damaged ones cat D ones basically cause it isnt major damage i have a painting facilities etc.. so repair wise im not phased but what about the insurance?

 

im a first time driver of course so insurance is already high'ish but because it is a much newer car insurance is much cheaper anyway, but being a repaired cat D will it affect the price massively? and will it need to be checked over by the insurance team or someone along them lines?

 

anyone done what i am wanting to do repairing a cat D?

 

hope you guys can help me out on here as you all usually do,

 

thanks Gav

 

(oh happy new year too guys)

[mk3cokebottle]

can i just advise you mate to get insurance qoutes for that age car first

 

i reckon as a first car of that year your prob looking in excess of £3000

 

your better off looking for insurance qoutes with just some reg number off a big forecourt before buying something , try different older and newer cars think you will be surpised

 

as for insurance of a cat d if you do insure one the price wont be that different but as i found out without knowing i was driving a cat c , if you do get involved in an accident they will only pay out pre accident value and if its pre accident a cat d then they will value that car way under price

 

for instance i had an escort van and i got scrap money of £50 and the car back and the insurance said that if it wasnt damaged before hand then i would be looking at £600-800

[Slammed]

can i just advise you mate to get insurance qoutes for that age car first

 

i reckon as a first car of that year your prob looking in excess of £3000

 

your better off looking for insurance qoutes with just some reg number off a big forecourt before buying something , try different older and newer cars think you will be surpised

 

as for insurance of a cat d if you do insure one the price wont be that different but as i found out without knowing i was driving a cat c , if you do get involved in an accident they will only pay out pre accident value and if its pre accident a cat d then they will value that car way under price

 

for instance i had an escort van and i got scrap money of £50 and the car back and the insurance said that if it wasnt damaged before hand then i would be looking at £600-800

 

yeah mate done that it is around 3k (maybe less i havent tried a lot of companies yet.) to insure under my own name not under a named driver thing option. hmm confusing this, will definatley have to think this all through

 

thanks for your help mate definatly puts in perspective for me it aint no buy sell thing im just getting one ,repairing it and driving it

[mk2_escort_chick]

Like what Chris has said get plenty of different insurance quotes.

Try the price comparison sites, as well as going to people direct.

It will drive you mad by the end of it, but insurance is a pain for us younger drivers.

 

xxx

[mk3cokebottle]

can i just advise you mate to get insurance qoutes for that age car first

 

i reckon as a first car of that year your prob looking in excess of £3000

 

your better off looking for insurance qoutes with just some reg number off a big forecourt before buying something , try different older and newer cars think you will be surpised

 

as for insurance of a cat d if you do insure one the price wont be that different but as i found out without knowing i was driving a cat c , if you do get involved in an accident they will only pay out pre accident value and if its pre accident a cat d then they will value that car way under price

 

for instance i had an escort van and i got scrap money of £50 and the car back and the insurance said that if it wasnt damaged before hand then i would be looking at £600-800

 

yeah mate done that it is around 3k (maybe less i havent tried a lot of companies yet.) to insure under my own name not under a named driver thing option. hmm confusing this, will definatley have to think this all through

 

thanks for your help mate definatly puts in perspective for me it aint no buy sell thing im just getting one ,repairing it and driving it

 

if you look at it another way , i just got my bro who is 20 a bmw e30 320i coupe with mtec kit on a 89/g i know its older but german and reliable easy to get bits for and a peice of cake to repair , fast for what it is and rwd

 

i just got it insured with an agreed value of £1500 fully comp for £345 a year and thats with him driving for 6 months and this is his first insurance policy

 

just think your safer startin with a snotter , not getting in debt thrash it about get a couple of years no claims then buying what you really want .... i know its a pain but when you get your license you wont care what car you got just thatyou can drive it and get out

[D-FENS]

One thing that helped my eldest son when he got his first insurance at 18,was to put an older driver on the policy as an additional driver.Better if its a doris such as your mum etc as the risk of an accident goes down when they are driving the car.Sounds strange but did work and quotes were quite a bit lower .

[emu]

Make sure you do it the way D-Fens says though. Put the older driver on your policy, Dont insure it as your mums car and you as named driver. Not only will you not earn any NCB, you risk getting done for fronting

 

Try Pricing up cars other than the obvious 'first' cars too. Fiestas, Saxos and Corsas are expensive because lots of 17 year olds try to park them up lamp-posts.

 

I'm a great fan of people driving old cars as first cars. For starters you dont feel so bad when you scrape a £200 snotter than you would if it cost you £3-4k, and you can learn to fix it yourself which helps you understand a bit about how they work and what goes wrong

[garyv6100e]

Just got my Daughter insured on her first car , the age of the car did not make hardly any difference , it was almost the same (Less than £100 difference) for a 10 year old KA and a 1 year old smart car

[D-FENS]

The biggest differance is between male and female drivers .All our friends who have daughters had insurance quotes roughly half or less than our son or his friends .I read somewhere that 7 out of every 10 fatal accidents are caused or involve male drivers under the age of 21 .I suppose if these figures are accurate then you cant blame insurers for charging such high prices for young male drivers.It just seems unfair that the sensible drivers get treated the same as the knob heads .Over the xmas period there was a terrible run of three fatal crashes all involving under 21 year old males,in which i think 5 teenagers died.Two of the crashes involved Corsas and the other was a Saxo i think .

[Yeomans22]

The biggest differance is between male and female drivers .All our friends who have daughters had insurance quotes roughly half or less than our son or his friends .I read somewhere that 7 out of every 10 fatal accidents are caused or involve male drivers under the age of 21 .I suppose if these figures are accurate then you cant blame insurers for charging such high prices for young male drivers.It just seems unfair that the sensible drivers get treated the same as the knob heads .Over the xmas period there was a terrible run of three fatal crashes all involving under 21 year old males,in which i think 5 teenagers died.Two of the crashes involved Corsas and the other was a Saxo i think .

 

i was in the same boat 5 years ago, ended up with a 2001 fiesta 1.3, cost £2500 third party to insure.

 

in the last 5 years, i've not had a crash, had a few spins and everyone has a couple of near misses, but i've paid a fortune becasue other people think there damon hill after passing their test.

 

get something cheap, get a couple of years ncb and your sorted

 

i've got a 2002 fiesta sport and costs £500 fully comp a year now.

 

on the insurance comparison sites, just change yourself to Miss on there don't change anything else and the price will half.

[Slammed]

guys as ever really helpful

 

d-fens thanks for that tip , reading it back it makes sense i will get ncb and hopefully will be cheaper putting it as my car and my mum as a named driver. i will update you all how that way gos as i know it will help others maybe?

 

[bomber1]

when my other half started driving i went on her insurance as a named driver which brought her insurance down.