edie_fox wrote: ↑Sat Oct 17, 2020 4:58 pm
[quote\]
at this point I just have to laugh
My apologies, I misunderstood your original post. I thought you meant MOT, didn’t realise you meant driving test so that explains the ££££

for a first car.
Stupid question, have you tried all the usual comparison sites? I find they vary by thousands for the same cover so there should be something that is
slightly less offensive.
From what I’ve seen, in the past decade, younger drivers I know are just expected to look at £3000 minimum for their first policy, even for the most basic of vehicles. It’s awful.
But yes, generally, adding drivers, choosing the correct employment sector, reducing cover (but always try all as sometimes comprehensive is cheapest), increasing excess, reducing annual mileage etc will get it down a little. Of course; post code matters too. You could live in a really nice area that borders the same postcode for a not so nice area. Is the car parked on the road/drive/garaged. Can you upgrade security/alarm? Black box, I think, would help if you’re open to it but they are restrictive. Someone I know had to pay £1000 to ‘reset’ her policy as she kept going over speed limits and you have to pay a lot per mile over your agreed mileage.
Don’t try and get immediate cover. Try a date about 25 days away. It looks like you’re planning ahead and sensible!
Buy breakdown cover separately. Start Rescue are amazing and well worth the £40ish. Discount codes usually available too if you have a google. You can also buy motor legal protection separately. All things chipping away at your overall big number!
They all take ages to fill in online unfortunately but I guess that’s the beauty of compare the market, confused and go compare, they do it all. If you do find one, make sure you read through it all once on the company’s site as they often switch answers to assumed/default which may not be correct for you.
Compare the market have a specific young drivers insurance.
Are you a named driver on your parents car/s? This means you have access to another vehicle in the household. Meaning you won’t be using yours all the time...
Failing that, buy a tiny car for your daily and insure the 480 as a second/classic!
Hope most of that helped!
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Thank you a lot, it sounds like you have experience with this. I was going to be patient as I want the car to go to the bodyshop first, awaiting a quote on that. If I do buy a second car, would I still be able to use the 480 as a daily, and just keep the tiny thing in a barn or something, as the whole point has been getting a classic car as a daily, to which the Volvo is perfect. I shall have a shop around, while I wait for NatWest to get back on the fleet insurance...