Can someone explain car insurance to me please?

Does seem a big leap. Hhowever as a learner you'll always be driving with someone else in a lesson/practice situation. As a new driver you'll be in the car on your own, driving much more frequently and for longer distances, motorways etc.

The premiums will go up from the moment your status changes.

Looks like all my hard work will be for nothing then as theres no way we can afford car insurance. I managed to find a quote for about £800 but that still works out at £70 per month after the deposit

I am so sick of walking and pushing a heavy buggy oh boooo

I have the hump about car insurance, i have drvien a lease car through work for years, so in effect have no noclaims bonus. The amount they want to charge me, a nearing 40 yr old with no convictions, and no claims in the last 5 years, although i can not use that as no claims bonus, is hideous, and it is only to insure a basic yaris! (shudder)

The lease company will give me a letter showing i have not made any claims over the last so many years, but they will charge me £30 for the pleasure and it may well be worth nothing.

grumble grumble

THreadjack! (sorry!)

you're not near 40?! no! I've seen photos of you (with NN and sparks) and you look nowhere near 40!

Ginger,

There are some insurance companies who will give you a no claims discount if you had a company car and no accidents;

Ensleigh insurance

Direct Line

Adrian Flux

are three that I know about - you may not get as much of a discount as you would if you had earned a no-claims bonus on your own car but it is still a discount!

HTH,

Annabel.

Jingle does your partner drive? Could you maybe insure him and you be a named driver for a while?

When I passed my test I was 26 and insurance for me was £680 for the year with elephant. They were the cheapest for fully comp which I wanted as a new driver.

You'll probably find that even if you're added as a named driver on your husband's policy, the premiums will still go up, as the insurers will often rate on the "riskiest" driver. And if you're actually going to be the main driver, please please don't put anyone else down as the main driver - it's basically insurance fraud and in the event of a claim, the insurance company may not pay out if they suspect you. It would also make getting insurance in the future very difficult and expensive.

Try going to a broker rather than an aggregator like Confused - they'll know which insurers are more likely to quote for a newbie driver. It is tough, I know, but the premiums will start to come down after the first year (assuming you don't claim!).

Would also recommend talking directly to some of the insurance companies as you will often get a better quote than via a comparison website.

You can also cut costs by restricting your mileage. Plus you could look at one of the accelerator plans - you get a 10 month policy, which costs about the same as an annual one but you get 1 year's no claims after the 10 months!

Try Diamond and Sheila's Wheels, they've both been fairly competetive for me as a new driver. I think my first policy - on a brand new Yaris with the OH as a named driver) was about £600. It is a lot of money but cheaper than the £800.

Thanks every one. My husband doesnt drive so we are starting from scratch. i will look int some of those suggestions, thanks very much xx