Whats the average insurance cost for a 23 year old with 0 ncb and 4 years driving experince.

 

I just turned 23 when I got my Impreza Turbo MY99 off Tesco this month for 2k with 4 years NCB and I have also held my license for 5 years.

Try it and see what you get online, but it sounds costly.

 

Hill house hammond looked after me....

 

BTW... without NCB it is gonna really (and I mean really) hurt. Budget £2500 in my opinion and at least you'll be pleased if it comes in lower.

 

RB5 SS backbox no other mods : £720 Directline (tracker required)
I was 23 5 years NCB average crime area

 

I am 22 with 4 years NCB with a 1995 wrx, tracker and cat 1 and its £1200 full comp with tesco..!

Dan

 

started driving my scooby at 21 - 4 years NCD with privelige for about £1600. Now 23 with 6 years NCD still with same company for £900 with NCD protection.

 

As above but £1100 with both parents and protected NCD - Privilege

Jamie

 

I am 23 with 4 years NCB, 6 points on my licence and I am paying £2200 for an MY99 with hypeformance insurance.

 

With Dan on this one mate. Defin try TESCo. I'm 22 just got my Scoob & payin £1200 F/C. Fair cop, you've to get a tracker fitted but well worth the cash. Good Luck.

 

I'm 21 3 pts cd10 2 yrs no claims and tesco did it for 1450 quid however you have to have a tracker.

 

MY00 Turbo, no Mods. 23years old, 6 points, no NCD. £900 with NU and no requirement for a tracker!!!!! - Sounds unbelievable but I am an Insurance Broker!!!!

 

Aust H, do you get a substantial discount or have you just found a very good insurer?
That sound too good to be true!
J

 

Aust: you sharing this cheapness or is it a one off?

 

Only that cheap because I work for an Insuarnce Broker (no commission to pay!!!), so yes it is a one off. I knbow it may of been said before but look at the following things when getting a quote: -

1) What excess could you afford in the event of an accident, the higher the excess the lower the premium!!

2) Try getting quotes that involves the least amount of 'human work'. Example, get quotes from the Internet. This reduces Insurers costs and thus reduces premiums.

3) It may be worth speaking to a broker - they are able to approach markets you cant. You dont have to accept their quote so give it a go. They will have to take commission but even with this it could be cheaper.

I know we all moan about Insurance costs but remember Insurers have to make money. Motor Insurance currently runs at over 150% loss ratio, this mean that for every £1 the insurer get they have to pay out £1.50!!.

Aust H

 

They sure as hell ain't losin any money on my account

Too many fraudulent claims [img]images/smilies/mad.gif[/img]