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Insurance costs

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PhoebeC

PhoebeC

Well-Known Member
Relationship to Diabetes
Type 1
hi all,

I want to learn to drive, I’m just concerned about the cost of insurance.

Every company I look at, even after a year driving it is £4000 a year.

Does anyone mind sharing how much you pay, how long you’ve been driving and which provider?

Thanks,

Phoebe
 
Diabetes shouldn't make any difference to motor insurance cost, it would be discrimination on health grounds . As a diabetic motorist we are monitored by the DVLA and I think that we can't get away with not declaring problems like many other drivers do.
I've been driving since 1969 and never had any problems. I've been insured with the NFU for the last 20 years and currently pay £350 per year fully comp for my Mini Cooper which also includes RAC membership.
Some companies will fit a "black box " in you car which can make a big reduction in the cost.
The only real way to reduce the cost is to pass your test as soon as possible to get more years of being qualified.
Maybe not too much help but persevere, driving is fun!

Andy
 
PhoebeC said:
hi all,

I want to learn to drive, I’m just concerned about the cost of insurance.

Every company I look at, even after a year driving it is £4000 a year.

Does anyone mind sharing how much you pay, how long you’ve been driving and which provider?

Thanks,

Phoebe
Click to expand...

Phoebe - There's little point in me telling you what I pay for motor insurance as I'm ancient, have been driving for forever, and have been fortunate enough to have gained over 10 years no claims discount. I know from younger family members starting with your own insurance can be eye watering.

One tip I would give you would e to add someone older and more experienced to your policy - perhaps your Mum or Dad. You must be the main driver of the car, in order to start building no claims discount and also to be legal(!), but someone else on the policy just brrrings the premiums down a bit. This actually still applies to me in my decrepitude. My car insurance is cheaper with my OH on the policy as a named driver, as is his, so we always do things this way.

As @Andy Milne has suggested, your diabetes won't impact the cost, but your age, experience, where you live and what sort of car you choose to have will. In the early months/years the black box Andy mentions can bring the premiums down a bit.

Good luck with the learning. It's a great, useful skill to have.
 
Definitely try NFU for a quote. I know when my daughter was wanting to learn they were by far the cheapest. !
NB they aren't on the comparison sites.
 
I use Cornish Mutual and pay less than £200/year fully comp.

As others have stated have a older person with full no claims on your ins policy as this helps also look into the black box and dash cam to bring down your costs as well. Another thing to do is find the lowest engine size car and one that doesn't cost the earth to repair or replace, all things like that help to bring the price down.
 
The best prices I got for a new young driver was through the comparison tool on Topcashback.
https://www.topcashback.co.uk/topcashback-compare

If you can avoid a black box, they can be punitive, and if you do put older drivers on, (which will lower your insurance cost) they can speed, drive badly, and your costs will increase because of their driving.
 
How exciting.

A matter of shopping around I think and as others have said having an older driver named on your policy definitely helps. Ask the insurers for advice.

I'm guessing you already have a car as you're getting quotes. Funnily enough when my son and daughter were learning to drive, 8 and 5 years ago we went down the small car, small engine route, but as it turned out it was much cheaper for my son to be insured on my then golf rather than daughters corsa. Over £2000 for corsa compared to £400 for golf. Man at insurance company explained that as most learners and under 25 drivers go for small cars, corsa, micro, small Peugeot etc, more accidents showed up in this bracket and so software automatically deemed the risk higher. Told us to go for something that you wouldn't generally go for as a younger driver...although posssibly not a Ferrari or Aston martin phoebe!🙂

Good luck.
 
morethan have an advert on TV at the moment aimed at new/inexperienced drivers, 'smart' box etc.

They're more than OK as insurers, as they are owned by RSA group. What the heck they're like on pricing I've no idea cos we both have shedloads of NCD and are ancient LOL
 
My insurance is included in my motabilty payment, though admittedly it is just for a road going mobilty scooter, but the same would apply to a car. The only disadvantage I can see is you’ve got to be a physical wreck. Or dead, these days to pass a Capita assessors PIP assessment.
 
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