Car appreciation... the aesthetics, the engineering, etc

Try an old man car with a low incidence of being stolen and/or crashed by chavs. No Fiestas, no Polos. Think Mercedes C or E class, Volvos, that sort of thing.

Honda Jazz.

Here's a thought. Could I get my brother to add me to his insurance as a second driver for a year or two with me having no intention of actually driving his car? What kind of price hike would you be looking at to add a brand new driver to your policy with 10+ years of no claims bonus?

Insurance is a crazy world, adding someone, anyone to your policy should always add cost, although sometimes it reduces it, though you'd expect someone who is older, has more NCB and lives at a safe post code would be likely suspect?

Nope, last year added my GF (21 with no NCB and only been driving 2 years also living in a city post code) and it reduced it by a notable amount. Then this year to have her on the policy, she's older, has a proxy NCB, and yet add's £180 to a £250 policy, fucks sense in that.

Do not seek logic where there is none #insuranceindustry

That scam has been learnt.

Doesn't alter that much, it is the damage you can cause.

Was that with the same broker?

You need to find out when the broker needs to meet targets to get the best price, or reduce his commission.

lines starting with a 'greater than' denote quoted text

My broker now tells me what goes to the insurer and what they get. This year it was £170 to the insurer and £90 to the broker. I thought that was fair enough, £90 not to have to spend two days on the phone shopping round.

How's it a scam? I could genuinely need/want to drive my brothers car.

Don't you need to be the main driver to get no claims? Adding your mum/dad as a secondary driver can sometimes help if they've got a clean licence but it's minimal. I'd try the classic car route or get a fiat panda, they are cheapest insurance group

There's lots of different factors at play with insurance, old man cars don't always work if one major factor is skewing your premium.

@Sumo
NCD will always bring your premium down, that's the point of it, it's a No Claims Discount.

If a variety of different options didn't make any difference then might I suggest you're not being varied enough.

Trawl Autotrader/Gumtree/eBay for cars with number plates that you can put in the comparison site. Find:

1. New Economybox eg 1.0 Fiesta
   
2. Old man car eg 90s Merc 2.0, Volvo, Jag etc
   
3. 2-5 years old Ford Focus/Golf/any sort of estate 1.6 etc something you might drive
   
   

Then use two postcodes, your own, and try one just outside London eg RM11 1EX

Then try with 0 years experience, and 5 years.

Run through every possibility, it should only take an hour or so, and make a note of all the different premiums.

If you've got more time, try a 3rd postcode in the countryside.

@sumo this site has a list of the postcode risk groups: http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php

Check this page out...

https://www.carwow.co.uk/blog/cars-with-free-insurance

Looks like either the Fiat 500 (three years insurance) or the Peugeot "fuel and go" are the best cars out there with insurance included in the price.

Awesome thanks. I'm an F :(

I was looking at that yesterday. The Fuel and Go seems perfect but you need 2 years NCD.

That sucks. What about fiat?

Scratch that, they updated the terms for it this month:

http://www.peugeot.co.uk/news/just-add-fuel-just-got-better/

No NCD required... just need to have a full UK licence.

The frenchies used to be king of free insurance.

When I was trying to get my first car sorted found that a rover 214SEi was the cheapest, less than the 1.0l breadvan polo I ended up with and twice the power, 109bhp from that revvy little K series wrapped up in Solihol's finest plastic wood, 14" alloys, half leather buckets, 3 door, body coloured trim, two and yes two sort of distinct grey vinyls on the door cards. Get some!

But it took about 3 weeks of insurance research to find that out.

Just looked on ebay, or honda concerto equivalent seem to go for <£400. I have no idea why I want one, maybe just to continue to lower the tone of my street :D

Tried their quoting thing, said I need to ring to get a price. Need to look in to it more but it looks like they just contribute £800 over 3 years to the cost of the insurance.

Awesome, looks like a winner. Thank you.

The old scam was have the car in a parents name and insure it at their address with the offspring as an additional driver, while in fact the offspring is the main driver.

Also as named driver you do not earn ncb :(

Unsurprisingly I'm an F. Pro tip: get married to a lady, knocked a third off my insurance, which is just as well as it was over a grand

Not that @Scoot isn't a little peach, but suggesting that @Sumo gets married to lower his car insurance might not impress her too much...

Another bank holiday doodle.