insurance for 18\'s?

[essexgirlracer]

i dread to think how much insurance would be when i was 17 i had a 1.2 r reg corsa that cost me over a grand
 
A family friend was an insurance asser and if it is in your dads name they can refuse to pay out, he had a case like that they asked neighbors as to whos car it was and they said it was the sons

[Nik da Greek]

For some reason FTO\'s are quite an expensive insurance proposition - a friend was paying well over a grand to insure his and I think he was 26 with 8 years ncb and an accountant! I\'d look at something like a Mk1 MR2 or similar, its RWD, handles nicely and if you look after it will appreciate by the time you come to upgrade to a 7. :wave

I don\'t think FTOs were ever officially imported to the UK by Mitsubishi, so all the ones over here are grey (personal) imports. That means insurance companies automatically add a bit before they even start calculating the premium properly, like with all imports. Just because they can! The b******ds!

[trotter]

I know the feeling about waiting for one and its fooking horrible - i waited almost two years for mine. But as said above it\'s not just the insurance that will sting you. The running costs of a Rex as a daily driver are horrendous. You\'re talking on average 15-16mpg, and with fuel currently >110p a litre - do the maths for the fuel alone!!!

I know its easy for us to say as we all have them, but you will be better off waiting for a few years and get some no-claims bonus/expereince in other cars first. My first year on a 1.3 Fiesta was £1700 when I was 18, that dropped to £900 after one years NCB.

With Rex now (i\'m 24) i\'m still paying just over a grand with 4 years NCB.

Final point (and in no way is this meant as a sly dig or abuse towards you btw!! ) these girls can and will bite hard if you don\'t respect them. If you have no experience of driving performance cars in general, let alone powerful RWDs like the Rex, there is a good chance you\'ll end up stuffing her when she catches you unawares. Just have a search for some of the crashes that peeps much more experienced on here have had. (Coming off wet roundabouts seems to be a club favourite!!)

Probably not what you wanted to hear matey, but hope it helps anyway!

T

[pdtaylor18]

At 18 you need to build up your no claims bonus on your insurance and not your Dads.  If you have the money then buy an RX7, do it up for a few years and by the time you are 20 you will have one mean looking FC (Bias I know!!) but it simply can not be worth the shear cost to justify an RX7 at your age, certainly not an FD. You could always go for a decent 1st gen, get to know the car, the faults and importantly the running costs.  As you progress through the years and you feel the need to go better then get a cheap FC (stick there if I were you !! lol) and as your experience grows with the car (and money) you will b able to do most things on the car as no doubt the previous Rx7\'s would have forced you to seriously read all you can and taken a wedge of your hard earned money.  However if money is no object then fill your boots, fill your licence with points and empty your bank account.

[Red and Single]

I can tell you that without any doubt, that at 18 years of age with a maximum of a year of driving experience, if you buy an FD you WILL CRASH IT. There is a reason they want the same money as the car to insure you, these cars bite and require careful and experienced hands to drive them especially in the wet !

MY advice would be to opt for a cheap to run rear wheel drive....and start saving and researching what you want to do to your FD !!

I\'d go MR2 or MX-5 to learn RWD handling. Run that for 3 years without any accidents and then get your FD. Besides in 3 years the latest models will be readily available, save up for a 2001 Spirit R....mmm lovely.

[terry200sx]

You can insure the car as your dad as the main driver and you as a second driver.
 
Im about to purchase an rx8 (finance in dads name) and i got a quote of 650 for the 231 model with him first and me second.  Then i added my mum which also took it down another 500 pounds.
 
I then tried a quote from the same company insuring it with me only and cost 2700!  Im 23 with 0 points but a theft claim and one small accident my fault.
 
These quotes were from elephant who are usually pretty good with young drivers but the far cheaper option is to get your dad to be the first driver although i think the car may have to be registered in his name

[trotter]

You can insure the car as your dad as the main driver and you as a second driver.
 
Im about to purchase an rx8 (finance in dads name) and i got a quote of 650 for the 231 model with him first and me second.  Then i added my mum which also took it down another 500 pounds.
 
I then tried a quote from the same company insuring it with me only and cost 2700!  Im 23 with 0 points but a theft claim and one small accident my fault.
 
These quotes were from elephant who are usually pretty good with young drivers but the far cheaper option is to get your dad to be the first driver although i think the car may have to be registered in his name

I may be wrong on this so apologies if I am...

I always thought that to if you did that with no intention of the main driver driving the car it was technically insurance fraud and would thus void your policy??
I\'m def sure I heard that somewhere before.... :confused: :confused:

ps: don\'t named drivers only have TPF&T cover anyway so if you stack it you won\'t get anything back??

[Aceman]

I may be wrong on this so apologies if I am...

I always thought that to if you did that with no intention of the main driver driving the car it was technically insurance fraud and would thus void your policy??
I\'m def sure I heard that somewhere before.... :confused: :confused:

ps: don\'t named drivers only have TPF&T cover anyway so if you stack it you won\'t get anything back??

Correct - this is insurance fraud and insurance companies have become more wise to it over the years.

Simply put, it\'s not worth doing anymore. A few years ago you\'d likely get away with it (benefit of doubt and all) but it\'s become too popular and if an insurance company can get away without paying up, they will.

Welcome to the harsh realities of car ownership..  

[FDAsh]

There are quite a few companies who stipulate that the youngest driver on a policy must be the policyholder.

My advice would be to hold off getting one til you\'re more experienced. I\'ve driven various cars since 17 (24 now), driven a rally car and been on skid control and advanced driver courses, and it still took me by surprise how raw these cars can be.

When you DO get one, I guarantee you will LOVE it, and it\'ll be worth the wait.
Also, when you come to insure it, try a local/smaller independent broker. I got a tailored policy for my FD, worked out at least a grand cheaper than some other companies.