Your Ad Here Your Ad Here
Page 1 of 2 12 LastLast
Results 1 to 10 of 14

Thread: How much is UK car insurance / running costs?

  1. #1
    SeK612's Avatar Poster BT Rep: +10BT Rep +10
    Join Date
    Nov 2002
    Location
    UK
    Posts
    739
    Whilst a car itself looks affordable as things stand I'm unsure about how it stacks up when adding in insurance and stuff like MOT costs.

    Does anyone have a rough estimate for someone who has owned their license for a few years and is driving a small car in the 1-3 insurance group bracket? Or from another angle is it possible to get insurance for a few hundred pounds a year?

    What other costs are there in terms of running a car and how much would this add to costs (such as taxes)?

    Also how much would be spent on fuel if the car was just used for city trips and the odd bit of motorway travel (small car, around 30 - 40 mpg).

  2. The Drawing Room   -   #2
    Barbarossa's Avatar mostly harmless
    Join Date
    Jun 2002
    Location
    Over here!
    Posts
    19,631
    It's incredibly varied. Things that are taken into account are:-

    Driver age
    Class of use
    Any points on licence
    Previous claims history
    postcode
    where parked overnight
    annual mileage
    vehicle age/value

    etc, etc.

    It is perfectly possible to get insurance for a couple of hundred quid, yes, but not for everybody. There are a brazilion online quotation sites, have a quick go on some of them, such as elephant.co.uk, directline, morethan, esure, etc, plugging in your exact details and see what they come up with. You can also save money by opting to have a higher voluntary excess, and not bothering with legal protection, etc, if you're in to that sort of flightiness...


    In terms of mileage, it's really dependent on exactly how far you travel. Petrol is around about 95p a litre at the moment, depending where you are. You need to know your average weekly mileage really, to be able to determine the average cost per week. e.g. I drive about 100 miles a week, and I have to fill the tank every 3 weeks, and it costs me about 40 to fill up. So like, about 13 a week on petrol.

    MOTs are usually under 40, and assuming your car passes no trouble at all. It's the annual service that always bites me in the bum somehow
    Last edited by Barbarossa; 06-19-2007 at 12:07 PM.

  3. The Drawing Room   -   #3
    popopot's Avatar To Me, To You BT Rep: +5
    Join Date
    Feb 2007
    Location
    Just over there
    Posts
    1,023
    Check out: http://www.moneysupermarket.com/insurance/ thats where I found my current insurance provider. I have had the same car for ages now and the biggest things that changed the price for insurance from ~600 to ~300 were becoming 25 and having 4 years no claims bonus. Where you live can have a massive influence on the premium as well. I wouldn't go third party because you won't be able to build up your no claims bonus.


  4. The Drawing Room   -   #4
    Mr JP Fugley's Avatar Frog Shoulder BT Rep: +4
    Join Date
    Sep 2003
    Posts
    9,747
    http://www.directline.com/

    Get a quote in a couple of minutes.
    "there is nothing misogynistic about anything, stop trippin.
    i type this way because im black and from nyc chill son "

  5. The Drawing Room   -   #5
    threelions00's Avatar on a shirt... BT Rep: +12BT Rep +12BT Rep +12
    Join Date
    Apr 2004
    Location
    England
    Posts
    838
    ok...my advice...

    I have been driving for 10 years and I drive a 1.6i Audi A3.

    My insurance is 30 a month. I got this cheaper because i put my fiancee on the insure, so I got 2nd driver discount. I also paid online which gave me a 10% discount.

    Whilst taking out the insurance, I opted for a breakdown cover at the cost of 5 a month. This is so worth it.

    My petrol costs vary, depends how far I go. As for Tax, if you have a car above 1500cc then it is about 100 every six months so about 17 a month.

    The MOT...hard to say...just keep your car checked over, like tyres etc. If you need new ones because they'll fail the MOT then get them sooner to avoid even more costs at MOT time.

    And basically what anyone else has said.

    www.gocompare.com
    www.confused.com
    www.moneysupermarket.com

    All good for car insurance

    3lions

  6. The Drawing Room   -   #6
    Barbarossa's Avatar mostly harmless
    Join Date
    Jun 2002
    Location
    Over here!
    Posts
    19,631
    Quote Originally Posted by threelions00 View Post
    My petrol costs vary, depends how far I go.
    Genious

  7. The Drawing Room   -   #7
    Biggles's Avatar Looking for loopholes
    Join Date
    Jul 2003
    Location
    Scotland
    Age
    60
    Posts
    8,804
    Quote Originally Posted by Barbarossa View Post
    Quote Originally Posted by threelions00 View Post
    My petrol costs vary, depends how far I go.
    Genious
    Fair observation actually - now I think about it, it is the same for me.
    Cogito cogito ergo cogito sum


  8. The Drawing Room   -   #8
    threelions00's Avatar on a shirt... BT Rep: +12BT Rep +12BT Rep +12
    Join Date
    Apr 2004
    Location
    England
    Posts
    838
    Quote Originally Posted by Barbarossa View Post
    Quote Originally Posted by threelions00 View Post
    My petrol costs vary, depends how far I go.
    Genious
    lol...i thought i needed to state the obvious for some...especially people that call someone a genious

    type in www.dictionary.com and type in genious...see what you get
    Last edited by threelions00; 06-27-2007 at 05:27 PM. Reason: Added more

  9. The Drawing Room   -   #9
    Barbarossa's Avatar mostly harmless
    Join Date
    Jun 2002
    Location
    Over here!
    Posts
    19,631
    Ah, you've over-extended yourself a bit there, but since you joined the board in 2004 I thought you might have been aware of one or two of the board's in-jokes...

  10. The Drawing Room   -   #10
    threelions00's Avatar on a shirt... BT Rep: +12BT Rep +12BT Rep +12
    Join Date
    Apr 2004
    Location
    England
    Posts
    838
    in-jokes? wasn't aware of them...call mine an in-joke then

Page 1 of 2 12 LastLast

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •