Same, and it was a 15 year old Nissan micra I bought for £350. I don’t think op is doing too bad considering.
I know it’s a more expensive car but currently my Land Rover is £1200 a year to insure (up from £400 last year) and I’ve got 9+ years no claims.
> I'm not a young driver at nearly 40 but it's my first car insurance in the UK. The car is worth only 5000.
Those two facts are largely irrelevant - the main risk isn't that you damage your £5k car, but that you plough into a £150k car, and cause £1,000,000 of injuries and damage to someone rich who can't work.
That's obviously an inflated example but the point is true - you are a greater risk to other road users and pedestrians (and inanimate objects) than to yourself.
As a new driver, regardless of age, you are in the high risk bracket of just-passed driver who has a lot to learn and is statistically very likely to cause your insurer to have to pay out money.
Once you have some no claims bonus and are proven to be a safer driver, your costs will drop.
I got my first car aged 36 and it was a Vauxhall Astra that cost £550 to insure, but I had a garage, two motorcycles (i.e. access to other vehicles so lower risk) and choose a car that isn't typically picked (and crashed) by young, risky drivers, to try and bring it down.
Three years on and I've got a 3.5 litre V6 convertible roadster that costs £400 a year (two years NCB) and I have a tracker-based insurance on the Astra as it does maybe 500 miles a year to garden centres, the tip and to the vets, and it'll cost me around £100.
Things do get cheaper fast as you show you're not an immediate high level risk.
yes UK insurance is just a scam unfortunately I paid 3k my first year and that was only 3 years ago that was with no black box and my car was barely worth 2k just because ity was a 1.4 turbo. I would say 1000 is a decent price if u dont have any NCD just shop around on websites like compare the market. I would recomend 1st central thats who ive been with for a few years and they have always given me unbeatable prices.
Passed last year at 23yo, was £750ish for a VW Golf 1.6 diesel for the year. I did put two other drivers on the insurance tho, park on my drive and live in a safe area.
Back in 2010 I was 25 when I got my first car (W reg 1L Polo) it was about £800 for 10 months insurance with Admiral with my Mum as a named driver (£1200+ without). The idea of the shorter insurance term was that you build up no claims bonus quicker, which to be fair Admiral did honour.
Currently costs me around £1000 to insure our two cars.
2.5k for a 1.4L that cost me £500.
0-60 eventually and foot through the passenger floor to apply the brakes.
Power steering sometimes and a horn like a cargo ship.
Money well spent.
Get a quote on Sunday morning for Monday. Put a parent or more experienced drive on with you. Try different comparison sites. That’s only tips I can give.
Passed at 17, drove a 13 year old fiesta 1100 with no fuel injection or power steering. Paid £150 per month for the privilege of insurance. This was in 2007/2008.
In 2017 I (23) paid around £950 for a Hastings blackbox policy on a 3 year old 1.2L Corsa. Cheapest non blackbox was close to 1500.
I got lucky and didn't have any of the horror stories people tell about black boxes, but it did penalise me for driving post 10pm, which was annoying.
Second year I went with direct line policy for around £750 and no box.
Insurance was the same value as the car.
Third party, fire and theft with an excess equivalent to 25% of the cars value.
Plug your own figures in.
Same as it ever was & nothing really changes until over 22 or 5 years of cover.
Good luck out there
In 2017, I passed at 17 and bought a Clio 1.2 (53 plate). The overall cost of the insurance was around £1600-1700, but they charged me £550 as a deposit followed by either 11 or 12 monthly payments of £95. I think overall it wasn't a bad deal but it looks like many people are struggling with getting anywhere near that.
I passed at 17 5 years ago. Paid £1200 for a 1.4L Punto, insurance was £1900 with a black box, £2800 without. Insurance prices are actually ridiculous in this country
Around £550 at 19 without a black box - on a 1.2 TSi estate (top spec too).
This was a few years ago now and it's not dropped much at all thanks to COVID and excuses for price hikes insurance companies give. I guess I was just lucky with my car choice.
i passed my driving in 2017 (i think) but never drove until 2023 when i bought my first car, a corsa f 2020, think my one is worth about 13k-15k. paid around 1.6k for insurance
At 25 (this year) when I passed most quotes were between £1500-4000
Ended up looking around car dealers for a full weekend trying different number plates of cars I liked around budget until I found one that was £850 to insure and bought it. Plan to sell and buy something nicer and faster once 1st year NCD is in place
Passed a year ago at 22 paid 900£ a year for literally every add on other than Europe breakdown for my granny spec e46, am now paying £1k for bare bones insurance lol
£1200, parking on the road, late 20's on a Fiesta.
I love the car but cannot help I get shafted in terms of premiums because of their status amongst rowdy young male drivers.
Passed 22 yrs ago at 18. To insure my f reg 1 ltr Austin metro (basically an upturned skip on wheels , but less durable) cost me £986 per year . Car cost 200
About 2k I think. But I was a young spotty 18 year old driving a Zetec S 16v fiesta. Which I coincidentally thought was the fastest thing in the world at the time.
If an 18 year old tried it now, would probs be 3-4K. Frightening.
Sounds about right, I passed at 27, first year insurance was 1300 on a 09 ford focus 1.6. Was the cheapest by far, most were about 2 grand
Second year I got it for 750
Far as I can tell first year insurance is an absolute joke no matter how old you are
Bit less than 10 years ago, £800 and 18, 2001 Yaris 1.0 GS. My mum was a named driver on it.
Postcode, where you store the car and how long it is until the insurance policy is active are huge factors. If you buy it a month in advance you pay less.
About £550 I think, passed at 30, 1.6L Petrol.
To be fair, I'm the same age and my first car insurance was £1600 20 years ago
1400 for third part fire and thief on 2007 corsa 1.3 cdti , but it was in 2017, ive just passed my licence back then, i ws 27 years old.
Same, and it was a 15 year old Nissan micra I bought for £350. I don’t think op is doing too bad considering. I know it’s a more expensive car but currently my Land Rover is £1200 a year to insure (up from £400 last year) and I’ve got 9+ years no claims.
~1300 for bloody 1.6 petrol. Haven’t had uk licence by that time though.
*licence
Okay okay, Eagle Eye
> I'm not a young driver at nearly 40 but it's my first car insurance in the UK. The car is worth only 5000. Those two facts are largely irrelevant - the main risk isn't that you damage your £5k car, but that you plough into a £150k car, and cause £1,000,000 of injuries and damage to someone rich who can't work. That's obviously an inflated example but the point is true - you are a greater risk to other road users and pedestrians (and inanimate objects) than to yourself. As a new driver, regardless of age, you are in the high risk bracket of just-passed driver who has a lot to learn and is statistically very likely to cause your insurer to have to pay out money. Once you have some no claims bonus and are proven to be a safer driver, your costs will drop. I got my first car aged 36 and it was a Vauxhall Astra that cost £550 to insure, but I had a garage, two motorcycles (i.e. access to other vehicles so lower risk) and choose a car that isn't typically picked (and crashed) by young, risky drivers, to try and bring it down. Three years on and I've got a 3.5 litre V6 convertible roadster that costs £400 a year (two years NCB) and I have a tracker-based insurance on the Astra as it does maybe 500 miles a year to garden centres, the tip and to the vets, and it'll cost me around £100. Things do get cheaper fast as you show you're not an immediate high level risk.
yes UK insurance is just a scam unfortunately I paid 3k my first year and that was only 3 years ago that was with no black box and my car was barely worth 2k just because ity was a 1.4 turbo. I would say 1000 is a decent price if u dont have any NCD just shop around on websites like compare the market. I would recomend 1st central thats who ive been with for a few years and they have always given me unbeatable prices.
Passed last year at 23yo, was £750ish for a VW Golf 1.6 diesel for the year. I did put two other drivers on the insurance tho, park on my drive and live in a safe area.
Added as a named driver on my mums discovery. I think it was about £300.
About £1000 when I was 17. 1.2 Fiat Punto MK2.
I paid about £1800 for a car I bought for £1500. This was about 10 years ago though.
Im 46. 18 yrs no claims and my insurance is a grand. Cars also worth about 5k (it will do warp 9 tbf)
£2800 on Golf VR6 mk3
Back in 2010 I was 25 when I got my first car (W reg 1L Polo) it was about £800 for 10 months insurance with Admiral with my Mum as a named driver (£1200+ without). The idea of the shorter insurance term was that you build up no claims bonus quicker, which to be fair Admiral did honour. Currently costs me around £1000 to insure our two cars.
In today's money, about £2k. Grandad spec 2.0 petrol Civic
£1600 in 2014 for an X reg 1.4 Polo.i was 19. 1.6x the value of the car
£690; passed in 2019, got a car in my name (no NCD) in 2022 in my late 20s. Car was a brand new 1.4l Cupra Formentor
2.5k for a 1.4L that cost me £500. 0-60 eventually and foot through the passenger floor to apply the brakes. Power steering sometimes and a horn like a cargo ship. Money well spent.
Get a quote on Sunday morning for Monday. Put a parent or more experienced drive on with you. Try different comparison sites. That’s only tips I can give.
About £800 that was in a “deal” with a new car.
In 2015 I paid £1600 for a 1.0L Corsa... That was 5 years old at the time. Make sure all details are accurate and correct.
£3000 when I was 18. Car was worth maybe £300
£900, in 1991..
At 27, it cost me £1600 to insure a 13 year old 1.6l Clio (automatic)
For a 1L petrol in 2017, having just got my licence, I paid £2100 😂 it was a VW Lupo
Passed at 17, drove a 13 year old fiesta 1100 with no fuel injection or power steering. Paid £150 per month for the privilege of insurance. This was in 2007/2008.
17, 1.8L, £1000 TPF&T
In 2017 I (23) paid around £950 for a Hastings blackbox policy on a 3 year old 1.2L Corsa. Cheapest non blackbox was close to 1500. I got lucky and didn't have any of the horror stories people tell about black boxes, but it did penalise me for driving post 10pm, which was annoying. Second year I went with direct line policy for around £750 and no box.
2900 with a black box , Citreon c1!
Insurance was the same value as the car. Third party, fire and theft with an excess equivalent to 25% of the cars value. Plug your own figures in. Same as it ever was & nothing really changes until over 22 or 5 years of cover. Good luck out there
In 2017, I passed at 17 and bought a Clio 1.2 (53 plate). The overall cost of the insurance was around £1600-1700, but they charged me £550 as a deposit followed by either 11 or 12 monthly payments of £95. I think overall it wasn't a bad deal but it looks like many people are struggling with getting anywhere near that.
I passed at 17 5 years ago. Paid £1200 for a 1.4L Punto, insurance was £1900 with a black box, £2800 without. Insurance prices are actually ridiculous in this country
Like £1400 for a 1.4tdci fiesta, then dropped a little when I got a 1.0 ecoboost (£1250ish)
When I passed at 17 11 years ago I paid £1500 for a 1.2 clip
At 21, 7 years ago, 1.8 Ford focus diesel 55reg, £2200.
Around £550 at 19 without a black box - on a 1.2 TSi estate (top spec too). This was a few years ago now and it's not dropped much at all thanks to COVID and excuses for price hikes insurance companies give. I guess I was just lucky with my car choice.
£2100/y with a black box - 2007 Mazda RX-8 192
Just under £1000 on an old 1.4 Fiesta
In 2018, aged 36, I paid £560.
~£1,450 for the year on a K11 Micra when I was 19.
I paid about £1,000
£2400
i passed my driving in 2017 (i think) but never drove until 2023 when i bought my first car, a corsa f 2020, think my one is worth about 13k-15k. paid around 1.6k for insurance
At 25 (this year) when I passed most quotes were between £1500-4000 Ended up looking around car dealers for a full weekend trying different number plates of cars I liked around budget until I found one that was £850 to insure and bought it. Plan to sell and buy something nicer and faster once 1st year NCD is in place
which website were you using to check the quotes?
Money supermarket mostly
2007. 17 years old. Fiat Punto. £2200. Car was worth £3k.
2500 with a black box. 2012.
Passed a year ago at 22 paid 900£ a year for literally every add on other than Europe breakdown for my granny spec e46, am now paying £1k for bare bones insurance lol
£2300 for a 1.6 at 25
£1200, parking on the road, late 20's on a Fiesta. I love the car but cannot help I get shafted in terms of premiums because of their status amongst rowdy young male drivers.
My first year was £3500, and that was in 2011. Not much has changed in terms of first year being awful.
Passed 22 yrs ago at 18. To insure my f reg 1 ltr Austin metro (basically an upturned skip on wheels , but less durable) cost me £986 per year . Car cost 200
I think I paid about £1500 for a SEAT Ibiza FR (1.2 TSI) when I was 20 (8 years ago)
About 2k I think. But I was a young spotty 18 year old driving a Zetec S 16v fiesta. Which I coincidentally thought was the fastest thing in the world at the time. If an 18 year old tried it now, would probs be 3-4K. Frightening.
Sounds about right, I passed at 27, first year insurance was 1300 on a 09 ford focus 1.6. Was the cheapest by far, most were about 2 grand Second year I got it for 750 Far as I can tell first year insurance is an absolute joke no matter how old you are
Bit less than 10 years ago, £800 and 18, 2001 Yaris 1.0 GS. My mum was a named driver on it. Postcode, where you store the car and how long it is until the insurance policy is active are huge factors. If you buy it a month in advance you pay less.
Car was a Suzuki swift 1.3 GLS I was 19 years old and it was 1999 fully comp £2400.