Insuring a Disco @ 17

strothrc · Jul 18, 2010

Im 17, and currently learning, when i've passed, im looking to get a Landy, pref a Disco.

What sort of insurance prices am I looking at for this?

Would an older Car such as a S3 be a better option, even though they are a lot more to buy?

Thanks.

It would be standard, no mods etc...about 3k miles p/a

discool · Jul 18, 2010

Insurance companies take a few things into account to work out what your premium and excess will be, your best bet is speak to an insurance broker.

topfuel83 · Jul 18, 2010

This may be no help too you but i thought i would let you no that im 27 now and had my discovery for 2years. When i got my insurance i had no noclaims 3points and only driven for 2years.

I managed to get a quote from sureterm direct £360 for a 300tdi full comp plus other few bits not bad really considering a saxo for me was £900. best thing to do is go on gocompare.com

strothrc · Jul 18, 2010

Thanks, have had a look on go compare, but its not really a fair representation, as its more specialist insurance, i.e 4x4 , or classic.

Just wondering if there any 17 yr olds, or anyone that did it around that age.

Thanks for the replies though!

DiscoLew · Jul 18, 2010

I insured my disco at 19, 3 months outside my 20th birthday. Went to Adrian Flux, nobody else would touch me mate, paid £1480 fully comp. I had to bide my time with a crappy old escort for 3 years, worth it in the end. I did try NFU, but the guy told me that without farming connections, they didn't want my business.

Just bite the bullet mate, get a cheap runaround, you'll have your disco in no time!

Langers · Jul 18, 2010

A Series would be MUCH cheaper to insure than a Disco. Even so, it's still going to be at least £1500-£2000 to insure in your own name.

strothrc · Jul 18, 2010

Langers said:
A Series would be MUCH cheaper to insure than a Disco. Even so, it's still going to be at least £1500-£2000 to insure in your own name.

£700 on a series 3 - FJ

Just a lot to buy

Langers · Jul 18, 2010

strothrc said:
£700 on a series 3 - FJ Just a lot to buy

£700 in your own name on your own policy??

Sparky_Plug · Jul 18, 2010

as said go compare waste of time Adrian Flux are good so are sun direct

300tdi 95

On go compare i was quoted £1200 cheapest 23yo 5 points with 1 year NCB but 5 years claim free driving.

rang adrian flux was quoted £614 third party on a classic policy

when i was 19 it cost me £890 to insure a 300 tdi defender valued at 6k in my mums name

strothrc · Jul 18, 2010

Langers said:
£700 in your own name on your own policy??

Yup, they are cheap as for young drivers, when the vehicle is accepted, mates on a mini for 425!

Sparky_Plug said:
as said go compare waste of time Adrian Flux are good so are sun direct

300tdi 95

On go compare i was quoted £1200 cheapest 23yo 5 points with 1 year NCB but 5 years claim free driving.

rang adrian flux was quoted £614 third party on a classic policy

when i was 19 it cost me £890 to insure a 300 tdi defender valued at 6k in my mums name

Thanks, I only have 1.8k to spend on a car, though...

bobbler · Jul 19, 2010

tried looking for quotes recently for my bro in law who is 19/20 but found that defenders and series are much cheaper to insure than discos and engine type had no real effect either.

If you can live with a comfortable top speed of about 55-60 then get a series you can get them for under a grand or less than £500 if you are prepared to work on them.

only question really is you are 17 getting your own car and planning less than 3k miles a year? thats less than 60 miles a week and if you are doing this to keep your premium down be careful cos insurance will do anything they can not to pay out if you need to claim.

dvb668w · Jul 19, 2010

Call footman james, they offer classic insurance for young drivers.

I would get a quote for a ser II as they should fall into the classic list (they will only insure a select few cars and they would give you a list of them either :-( )

Can you post back and let us know what they quoted you?

Classic Car and Motorcycle Insurance Specialists – Footman James

Classic Car (Sales) Tel: 0843 357 1908

kungpow1975 · Jul 19, 2010

I got mine insured 1 month before my 19th birthday, is a 15 year old disco 3.9 v8i

£2300 was my cheapest quote

EDIT: Fully comp, LPG Premium, 10000 miles per annum, 1 year of no claims(conned them out of a free year).

gil · Jul 19, 2010

Try flux direct. I was paying 727 fully comp at 19

kungpow1975 · Jul 19, 2010

how old are you now?

kungpow1975 · Jul 19, 2010

bobbler said:
only question really is you are 17 getting your own car and planning less than 3k miles a year? thats less than 60 miles a week and if you are doing this to keep your premium down be careful cos insurance will do anything they can not to pay out if you need to claim.

This dude has got a point. I have had mine insured since the 8th feb and have done 5560 miles already and its only a runaround.

strothrc · Jul 19, 2010

The mileage can always be upped afterwards though, i'm not trying to scam the insurance, i'd make sure it was all legit.

To school, there is a coach, so it would be more like a occasional weekend car, and to go on camping trips etc, but yeah, if it went over, i would notify them

Thanks for all the help so far

kungpow1975 · Jul 19, 2010

it cost £20 extra on my quote between 3000 and 10000 miles. you may aswell just go for it striaght away

strothrc · Jul 19, 2010

How old are you though?

kungpow1975 · Jul 19, 2010

19yrs and 2 months.

Insuring a Disco @ 17

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