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***waynne*** · 11-04-2006, 07:48 AM

I'll depress you Freddie - The premium you pay will never change! I paid about £400 for my first car insurance and i'm still paying £400 now although now I have an Audi 1.8T Fully Comprehensive with protected NCB!! As your insurance gets lower you will go for a better/faster car - that life.

Absolutely get your own policy. Building up your own NCB is the best way to get cheaper insurance - speak to a broker some offer an 8 month policy that gives a full years NCB at the end ie 30% off! (Some insurers do this to make you stay with them so ask if you will be able to move it at the end.)

Limited milage and cheese wire (to get a female discount) are worth considering! Also get a quote for comprehensive with a £500 excess - this may only be a 'few quid more' and give windscreen cover. SPEAK TO A LOCAL BROKER!

11-04-2006, 07:48 AM	#12 (permalink)
*waynne* Administrator Torque King Car: A3 1.8T Sport Join Date: Nov 2005 Location: Deal, Kent UK Posts: 10,707	I'll depress you Freddie - The premium you pay will never change! I paid about £400 for my first car insurance and i'm still paying £400 now although now I have an Audi 1.8T Fully Comprehensive with protected NCB!! As your insurance gets lower you will go for a better/faster car - that life. Absolutely get your own policy. Building up your own NCB is the best way to get cheaper insurance - speak to a broker some offer an 8 month policy that gives a full years NCB at the end ie 30% off! (Some insurers do this to make you stay with them so ask if you will be able to move it at the end.) Limited milage and cheese wire (to get a female discount) are worth considering! Also get a quote for comprehensive with a £500 excess - this may only be a 'few quid more' and give windscreen cover. SPEAK TO A LOCAL BROKER!