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 Posted: Tue May 06, 2014 1:42 pm |
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Joined: Apr 21, 2014
Posts: 24
Trade Rating: 0
Location: south Yorkshire
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Dear fellow 206ers
I am a 21 year old male driving a box standard 60 bhp 206 and I have just booked my practical test so looking at insurance and just received a quote for 3500 now I know I am a "new, young and male" driver but I still have genuine Peugeot steel wheel covers I have 0 points on my licence but still a rediculas quote can anybody my age or younger please please please help me out I've tried adding my mum (40 yr old with 9yr NBC) both as main driver and additional driver. Help mee I'm at my whits end
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Posted: Tue May 06, 2014 1:53 pm |
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Joined: Oct 15, 2013
Posts: 20
Trade Rating: 0
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How are you getting quotes? Do you use a comparison site? It makes sense for it to be high as you would only just have passed your test but I used to drive a 1.8l bravo when I was 19 fully comp and it cost 1200. Is the vehicle being parked on the road or in a garage. What do you do as a job? These are all things that have an affect.
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Posted: Tue May 06, 2014 1:54 pm |
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Joined: Jan 29, 2011
Posts: 6526
Trade Rating: +10
Location: Westhoughton, Lancashire
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Did you use a comparison site for the quote?
Have you tried a black box insurance? If you don't drive at night, drive to the proper standard and don't exceed the mileage, it can work out a cheap way to build up your no claims.
I wouldn't put your mum as main driver unless she's going to drive the car more than you. It's called fronting and will render your insurance invalid.
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Posted: Tue May 06, 2014 2:04 pm |
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Joined: Nov 27, 2010
Posts: 11520
Trade Rating: +10
Location: What's it to you? ? ?
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Peugeot 206 + young male driver who is yet to pass there test = insurance company see a very high risk of a total loss claim sooner or later going on what the insurance industry know about 206's with a young person behind the wheel
You have basically picked the wrong car for cheap insurance, you need to think outside the box & pick something a young male wouldn't normally own / drive.
I would hate to think how many total loss & own fault claims the insurance industry has paid out on 206's piloted by younger drivers, I bet the total figure is frightening 
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| Toyota C-HR GR Sport 2.0 Hybrid with JBL & Alcantara packs. | |
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Posted: Tue May 06, 2014 2:12 pm |
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Joined: Oct 12, 2012
Posts: 204
Trade Rating: 0
Location: Norwich, United Kingdom
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I see alot of Peugeot 206s on the road these days which have dents and scrapes.
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| I have Peugeot Planet/DiagBox.
Previous Car: Peugeot 206 1.4
Now: Peugeot 207 1.6 VTi 120 Sport | |
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Posted: Tue May 06, 2014 2:30 pm |
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Joined: Nov 27, 2010
Posts: 11520
Trade Rating: +10
Location: What's it to you? ? ?
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| Hawkers wrote: |
| I see alot of Peugeot 206s on the road these days which have dents and scrapes. |
There bargain banger's now, cheap cheerful & not worth much so driven in to the ground.
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| Toyota C-HR GR Sport 2.0 Hybrid with JBL & Alcantara packs. | |
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Posted: Tue May 06, 2014 3:04 pm |
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Joined: Dec 26, 2013
Posts: 326
Trade Rating: +1
Location: East London
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Thats quite expensive for a 21 year old. I'm paying £3400 but that's because i'm 18 and the main driver on my policy. Where you live also plays a big factor in how much your insurance is.
It's also good to remember that you will get expensive quotes as you've just passed. Wait a couple of months and the quotes will drop. I was getting 7k-8k quotes when I first passed. Waited 4 months and the quotes dropped quite a lot.
If I think of anything else, i'll be sure to add it to my post.
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| Current: Albi Blue Clio 197
Previous: EZR 1.1 206 Zest 3 5dr | |
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Last edited by David1156 on Tue May 06, 2014 3:09 pm; edited 2 times in total
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Posted: Tue May 06, 2014 3:08 pm |
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Joined: Dec 26, 2013
Posts: 326
Trade Rating: +1
Location: East London
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| MrBSI wrote: |
| You have basically picked the wrong car for cheap insurance, you need to think outside the box & pick something a young male wouldn't normally own / drive. |
I agree with this to a certain extent. You're 21 so you don't have to buy a car with a small engine. You could try looking at a Mondeo or something like that.
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| Current: Albi Blue Clio 197
Previous: EZR 1.1 206 Zest 3 5dr | |
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Last edited by David1156 on Tue May 06, 2014 3:17 pm; edited 1 time in total
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Posted: Tue May 06, 2014 3:12 pm |
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Joined: Apr 21, 2014
Posts: 24
Trade Rating: 0
Location: south Yorkshire
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Thanks for your replies and I've considered black box but due to doing shift work it may mess me up and I don't always stick to the speed limit but don't exceed 10%+2 (police fresh hold according to AA advanced motering course)
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Posted: Tue May 06, 2014 3:14 pm |
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Joined: Nov 27, 2010
Posts: 11520
Trade Rating: +10
Location: What's it to you? ? ?
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| 2004pug20611 wrote: |
| I don't always stick to the speed limit but don't exceed 10%+2 (police fresh hold according to AA advanced motering course) |
Remember you only have 6 points to play with 
What do points make?
Pedestrians 
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| Toyota C-HR GR Sport 2.0 Hybrid with JBL & Alcantara packs. | |
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Posted: Tue May 06, 2014 3:19 pm |
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Joined: Apr 21, 2014
Posts: 24
Trade Rating: 0
Location: south Yorkshire
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What do points make .... Pedestrians that is the best anti speed campaign I have heard ever haha better than killing of the children one. And I am a confident driver as I have my licence for a lot of agricultural licences so accidents with my experience shouldn't be a problem
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Posted: Tue May 06, 2014 3:22 pm |
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Joined: Nov 27, 2010
Posts: 11520
Trade Rating: +10
Location: What's it to you? ? ?
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| 2004pug20611 wrote: |
| And I am a confident driver as I have my licence for a lot of agricultural licences so accidents with my experience shouldn't be a problem |
Keep your licence clean, build up the no claims bonus & your insurance premium will soon start dropping
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| Toyota C-HR GR Sport 2.0 Hybrid with JBL & Alcantara packs. | |
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Posted: Tue May 06, 2014 3:31 pm |
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Joined: Oct 12, 2012
Posts: 204
Trade Rating: 0
Location: Norwich, United Kingdom
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Not just speed, check those tyre tread depths!
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| I have Peugeot Planet/DiagBox.
Previous Car: Peugeot 206 1.4
Now: Peugeot 207 1.6 VTi 120 Sport | |
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Posted: Tue May 06, 2014 3:34 pm |
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Joined: Apr 21, 2014
Posts: 24
Trade Rating: 0
Location: south Yorkshire
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David I checked a deisel mondeo and it's cheaper .... 3200 lol I'm at whits end here
How do they expect young drivers to earn ncb when they price them out massively
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Posted: Tue May 06, 2014 3:34 pm |
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Joined: Nov 27, 2010
Posts: 11520
Trade Rating: +10
Location: What's it to you? ? ?
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| Hawkers wrote: |
| Not just speed, check those tyre tread depths! |
Up to 3 points & £2500 fine per illegal tyre 
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| Toyota C-HR GR Sport 2.0 Hybrid with JBL & Alcantara packs. | |
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