[Yyaqyped]

My car insurance policy is due and I need some advice.


Basically, the cheapest quote I got is with bell.co.uk, they offer this 10 month bonus acccelerator thing which basically works out at a 10 month policy but I get another years NCB in the space of 10 month instead of the full 12.


Basically I'll be paying

£850~ for 10 month policy
£1000~ for 12 month policy (give or take about £50-£75)

And I'm wondering whether to go for the 10month or the 12month. Will definitely be getting a new car because this car is so expensive to insure especially for the power.

[Ferrotoral]

The 12 month policy is a couple bucks cheaper per month. Im not sure what you mean about the accelerator policy thingy though. We don't seem to have that in the states. Can you enlighten me?

[Yyaqyped]

We get NCB, which is no claims discount. You get one NCB for every year you do not have a claim/accident.

The 10 month accelerator basically allows you to get a full years 1NCB in the space of 10 months instead of 12. It's for those who are trying to build up their no claims discount.

I'm just debating whether I should just wait until I'm 21 before getting any insurance and just leave the car uninsured and off the road since it'll be a lot cheaper when I'm 21 as I'm 21 on the 13th Sept, and my car policy runs out on the 18th this month.

So just under a month without a car.

[Ferrotoral]

If its only 1 month without a car, and it will be substantially cheaper when you are 21, I would wait it out if you can. Am I understanding that right?

[VIDEOHITE]

What's the difference between 10 and 12 months insurance besides the costs?

Are they the same company or different ones?

[karaburatoreror]

Your insurance is not likely to be substantialy cheaper once you hit 21.
There seems to be 2 magic numbers with regards insurance - 25 & 35.
Another years NCB is probably going to make a bigger difference to your insurance - as that also indicates another year of experience on the road.
If you're trying to build up NCB then might be worth going the 10 month route.

[Mediconlinee]

Once you get 3yrs not claims your insurance cost will fall a lot.

I will get 3yrs no claim this Nov. When I was 20 and had insurance the first year it was a redicolous £1500 for a 1.1 Diesel 2001 Saxo [cursing]

Second year with a different insurer and 1yrs no claim it dropped instantly to £1100, then again with another insurer and 2yrs no claims, dropped again to £700.

Checked for this years cost using confused and the cheapest this year was a drop to £405 with 3yrs NCB, was very pleased with that.

[KaterinaNJq]

Once you get 3yrs not claims your insurance cost will fall a lot.

I will get 3yrs no claim this Nov. When I was 20 and had insurance the first year it was a redicolous £1500 for a 1.1 Diesel 2001 Saxo [cursing]

ROFL I now pay £900 something for a 4.6L V8 Stang and I'm not even British!

How many years of NCB do you currently have now anyway, Kentris?

[Yyaqyped]

I have 1 under my name.

Confused.com is pretty cack. Doesn't find me any of the cheapest quotes. Up to now Bell has been the cheapest for me (with both parents, fully comp, and third party cover on other cars although I might take that off - it's only an extra £35 on top)

[Âåðåùàãèí]

I have 1 under my name.

Confused.com is pretty cack. Doesn't find me any of the cheapest quotes. Up to now Bell has been the cheapest for me (with both parents, fully comp, and third party cover on other cars although I might take that off - it's only an extra £35 on top)

Yep, I'm with Bell here too - they are the cheapest by far it seems for younger inexperienced drivers.

I had two years no claims and then I had a shunt - totally my fault cos I was ill (never drive when your sick!) and my insurance went through the roof.

Currently on one years no claims. Costing me to insure a 1.4l Fiat Punto Sporting £800 for 12 months. Oh, and I'm 22

[Tic Tac Took]

Ive just renewed my insurance today[cursing] Fully comp £240 4 years NCB 28 years old, with my 1.5 nissan almera.
The price comparison sites make me laugh seem to get massively different quotes from the same companys.

Edit - Kentris what car do you have, whats its insurance band?

[beneitpedro]

I'm not sure if it is still offered but it might be worth looking at Natwest insurance. Especially if you have an account with them.

Basically, when I first started driving there was an initial 10% discount because I had a Bank Account with Natwest anyway and as well as that they did a double NCB bonus in your first year.

Meaning if you managed to go one year without a claim then they would give you 2 years NCB and build from there. I'm currently 20 and have been driving for 3 years but have 4 years NCB. Which has let me get insured on a 2.0L Vectra CDX Sport for about £39 a month [thumbup]