£1200 Car Insurance Cap for Younger Drivers? Cheaper Car Insurance or a Scam? 

I got quoted £17K for a mini once...

I think insurance should start low, and if u have a crash then put the price up rather than making people pay stupid insurance premiums straight away

Oi oi! Apologies for the little break. Sorting out new gear and events for the summer. New goals are down and new gear is on the way :D So close to 10k it's ridiculous

My first car was a 1.2 Vauxhall corsa 2002 that I bought for only £300, and the insurance for my first year is £1700, almost 6 times the value of the car

I fucking detest uk car insurance firms the reason is as follows. - I had an accident, it wasn't my fault I. I initially made a claim through my insurance co. to claim through the other guys insurance. the guybat fault rang got in touch with me and said he wanted to settle with cash +extra money for the ball ache and inconvenience. I would have been given scrap value for my well maintained v low mileage pristine condition car which i needed to get to work, so i accepted his offer. I got my car fixed up and had some money extra for new bathroom and holiday etc. when it came to renew my car insurance i was fucking livid, and i mean proper fucking hyper-outraged. it nearly doubled. ive been driving for 30 years paying no claims protection for all that time. it counted for NOTHING!!! also, when getting a new quote the questions are - Have you ever been in an accident in the last 5 years "regardless" if it was your fault. I ticked yes, a list of options flagged up...none of them were relevant to me. and what's most infuriating is there is NO WAY I can explain my side of the story. I just left it blank and didn't fill it in. Underwriters and insurers explain yourselves, how the fuck can someone with no claims protection possibly be penalised so much after 30 years of driving without ever making a claim. if i was in a high street shop face to face trying to sort this out I would guarantee you woulďnt look me in the eye!!! your an absolute fucking shameful disgrace!!!

£2900....hate living in south london sometimes

Watching in 2019. -Nothing changed-

My first year was £2900 on a 1.6 Second year £2000 Third year they asked for a renewal of £3400 I switched to another provider for £870 but then got a quite for a 2.0 for £800. This insurance in this country is messed!

Surely this would just lead to insurance companies refusing to insure young drivers on cars with anything bigger than a 1.4l engine???

I think that if they do cap it at £1200 they should limit what vehicles they insure... so to band 1-10 so that the system isn't abused and young drivers end up behind the wheel of a 6.2 litre C63.

ive had my licence since last year april and ive lost it for speeding in February any tips on what i can do or what car to get for cheap insurance

Opinion on a 62 plate seat Ibiza 1.2 A/C? How much do you reckon insurance will be? Is if even worth getting as a first car?

FIat grande punto 1.2 56 plate was £950 with Tesco black box insurance but that was 2 months after being a learner with the same policy, it was about £650 for 12 month learner insurance than when I passed they wanted another £300 pound for me to be insured, I now have a Ford Fiesta 1.25 brand new and it's £610 with business travel so not terrible for me. This is my 2nd year of driving now

im 17, i want a Vauxhall Astra 1.4 (sxi 3dr sport hatch) 07-09 plate how much insurance am i looking at? live in canning town

Hi guys one question...... About 3-4 months ago I wanted to find out how much insurance will be when I pass (1996 Fiesta Mk3 1.1l) and the cheapest quote I got was £850 and an average of £1500, so I was great! I passed my test a week ago, went to check the insurance now and the cheapest I get is £1850 (Telematics) and normal insurance quote of £3500!!! Any advice??

hey bro, just found your channel and i like your style and content. nice to find am English person too aha. I've subbed and got notifications on

How do you get a black box? I know it sounds stupid but I’ve never done it before

I just got a quote of a black box with a corsa c and it is £2506.97 should I go for it or can u recommend a lower car insurance company?

Thanks Paynos for your great videos on learning to drive. Passed today with only 3 minors. Hope you have a great easter.

thoughts on having mk6 2008 3dr fiesta 1.25 petrol as first car (17)

Hey I’ve just passed looking to get a 1.0liter corsa and my quotes are £7000 that’s crazy what can I do to reduce it any help appreciated

I guess it could be a good thing, pretty sure my insurance is going to be about 2k fml... But maybe the age band should be smaller like 18-20 or something like that to avoid what you spoke about. But who knows, guess we'll find out if anything happens. Thanks for the video dude!

I failed my test 3 times back in 2008 when I was 18. I just gave up after the money it was costing. I've been looking at learning again recently, (I'm 27 now) I have done a few insurance searches for 1 ltr cars and I'm not getting any price under 2k. Ironically it's only £350 to insure myself on a provisional. The problem I'm finding is that most new driver insurance is for young drivers. Have you got any advice for new drivers over 25? thanks for your videos, it's really helped me pick things back up

hi i need an adive i oaid £1300 for 10 months insurance i am 26. do you think they will reduce it after. those 10 months. ?

I live in Northern Ireland, will be a new driver just wondering why I'm getting such high quotes I have a 2010 vw polo moda, is this a hard car to insure??

I paid 2700 for a 1.0 Peugeot. This was in London but still taking the piss. Lowest quote I got

Any idea how much will I pay for 1.6 petrol Audi A3 2006 (I’m 19 and new driver)

i paid £2800 for my 1st year on a mileage and behaviour based policy and they have now cancled my policy with 2 months to go because I exceeded the mileage limit and failed to pay their crazy price for extra miles what do i do??

My first car was a Mk2 Mazda MX-5 1.8S and i paid 3k for the insurance with no black box, the car only cost me 1k. Glad I got that out of the way!

I passed my test a few weeks ago and insurance for me cost up to£2,500 for the whole year. This is the cheapest ive come accross and this is with a black box.

My first year on my Mini One D was £3000, when I changed to my Corsa 1.2 during my first year it was £2800 but after my 1 years no claims kicked in I insured my JCW for £1300. Insurance is such a strange system...

When will this £1200cap insurance come in place any idea and is it definitely happening...or we don't no yet ??? Plz reply

I passed a month ago, and been looking every single day but it's impossible to find a quote for under 2k in the west London area!!!

As new driver I got a Vauxhall Corsa 2016 and my insurance is £3000 with black box and that one was the cheapest I could get. The insurance without black box was asking me 10k. On sites like gocompare the cheapest one was £4200.

Got a 2007 1.2 Fiat Grande Punto Active, Only 65hp and with a Black Box I payed £1800 for my first year! However Second year if Id of chosen to still have the Punto would of gone down to £850 but still with a black box.

How realistic would it be to get a 2 litre suv as a first car? Average Honda etc

I payed 2300 for my seat ibiza 1.4 (new driver, first year) That is also with a black box

love your videos, really helpful!

I use admiral with no black box for a 1.4 litre corsa and pay £936 for the year being fully comp, courtesy car cover and breakdown cover. I was 17 when I got my insurance and now being 18 I've been given quotes through comparison sites and they have been coming back at around £650

Glad you're back.! :)

How much will my Nissan GT-R 2016 be I'm 17

i got a Hyundai l20 i passed my test last week am 52 years old and whilst learning i got it for 700 me being main driver and partner second then i passed and had to pay another 270 on top so at first i paid 56 a month then went up to approx 92 a month and thats with admiral :)

I think that is a decent idea but if I was to make any change to that it would be there if you have any points on your licence already or the cap only covers up to a certain litre engine for example 1.6 litre and below

To insure the car that i learnt in (1.2 07 plate proton savvy- registered grandma car) for the first year was just over £1800 with a black box.. Its been a year since I've passed my test and just bought a mini one convertible 1.6 on an 07 plate with 1 year no claims and the insurance is between £1500- 1600. I personally don't think either of the amounts were too bad compared to how much my friends are currently paying for their first year, but it is still an extortionate amount in context

I got £5,000 for a 1999 citroen saxo 1.1 and im 17 the car is worth £250 that's fucked dose any one know a way to get it down slightly ?

Luckily my dad has bought my first years insurance recently and it cost £2600 for a clio mk2 1.2L with no black box. Next year that price goes down by 50% which is great tbh and I don't think this new act would be good for people who can actually afford quick cars and ridiculous insurance prices since they will be capped to 1.4L etc.

Just did a quote on a 1.2 golf and the cheapest non-blackbox is 10k but one with blackbox was pretty decent, 3k.

I live in Manchester, passed 3 months ago, i got an Astra 1.6i 2008. Costs me 1500 and i pay monthly :)

passed test @ 24. @ 28 cost was £513, last year £265. don't have a day job/commute so i have a really low mileage (

This would help me massively. At 17, my best quote for a Subaru WRX STI was £12k, so if the cap happens, would actually be able to afford the Subaru, and the extra safety equipment needed for motorsport usage.

I'm 18 and I've got a Ford Fiesta Zetec S Black Edition (65 plate) for my first car... 0-60 = ~8s, Top Speed= 130mph, 140bhp... I love it!! and it was £1,300 fully comp in the West Midlands! I was deeeaad surprised and its only £20 Tax

wow, i feel like i got really lucky!! last year i payed around £750 for my first years insurance on a brand new 1L seat mii, i had had my licence for 6 months!!! im so glad mine wasnt that high!

I've never seen a ridiculous price for insurance, are you going on compare sites or directly?

So I bought my car before getting my license in Sept 2018, and the day after I tried insuring it and have paid the following: £356 a month for a 75BHP 1.4L 1999 Peugeot 206 for a month of RAC Black Box Insurance, then got tired of their scoring, switched to Admiral which now quoted me about £380, but since my dad had Admiral insurance too, with Multicar, he got it cheaper and me too, so I ended up paying £345 for the same car, with 8000miles declared, monthly. 3 Months into the Admiral insurance, I totalled the 206 in a triple, side-roll crash in which happily I was the only car involved. Few days later, I got a 110BHP 1.6L 2006 Peugeot 307 CC, and quoted with Provident for 500miles a year (yes, that little) at £298, so had to re-start my policy and cancel the old one. All fun and games, 2 months later I change car since I don’t like the 307CC anymore. I get a 59 plate, 120BHP 1.4L TB Alfa Romeo MiTo, very uncommon car amongst new drivers. I keep Provident since they have the lowest quotes for the car, and even with 5000 miles declared, so raised from only 500, I get it lowered to £258 a month, for a car that does 0-60mph in 8.5s. So re-capping, 0NCB, first month on the 206, £356, very common car for new drivers. Now on the MiTo, £258 a month with a car with twice the power, but way less common, only half a year after passing my test. Proves that the way insurance works in the UK is flawed. All insurances other than the first with RAC, have been and currently are without a black box.

i paid £1200 for my first year with a black box on a 51 plate vauxhall corsa sxi, also my black box only looks at my speed

got quoted 5.5k for a 1.0 Corsa for first time insurance.. moved to a box insurance policy and now I can afford to be on the road :)

2013 Peugeot 208 1.2 quoted £2400, got it for £2060 with a bit of negotiation. (£2000 on provisional insurance fully comp. +£60 when I passed my test)

the rule should be that it has to be at least under the price of the car... i got a quote as a 17 year old on a 3k astra for 3.5k insurance

First car and a 23 new driver 2017 1.4 Vauxhall Corsa limited edition.. insurance from admiral cost me 1100 a year

my first year was 2300 with a blackbox, I live in a quiet area, and thought it was expensive. That's for a 1.4 vauxhall astra SXI second year was 1300 without a box for the same car

Got an audi S1 2.0 petrol when I was 19, insurance quoted £1000 no black box but then quickly changed to £2500 with a black box but as someone messed up quoting £1000 no black box they ended up giving me that. I had been driving company car for 2 years which didn't give me 2 years NCB but did bring prices down as had held the license for 2 years.

cost me £380 to insure my first car, a 2 litre cavalier sports hatch back in good old 1990 when i was 21, the greedy feckers want 1400 quid for the same model now lol

In response to your concern of insurance companies charging everyone under 25 £1200 per year, just make part of the new law a compulsory no-claims discount of a certain percentage of their initial quote. My only concern would be companies raising the premiums of older drivers to compensate. I'm lucky in that I just rode motorbikes until earlier this year at the age of 31, and my first car insurance premium was £791, and I hope that with no-claims discounts it will keep getting lower.

Ireland, VW Polo 1.2, 2002, got a quote of 8000 euro. 18 year old. Full license.

Just got a quote for £765 for a brand new car for when I've only just got a full license - I was in shock at how low it was!

@ 25yo with VW golf in Nottingham First-year £1090 - insure the box (6k miles pack) Second-year £502 - Tesco black box (6k miles pack, Tesco Blackbox is a white label for insure the box and it was cheaper to go with them versus renew with insure the box).

My first years insurance was £2500 third party on a 1.6 Saxo. Only now 7 years and 6 years no claims bonus later @ 24 is it £850 on mk5 GTI all mods declared.

Haven't got my car yet, but the one I'm looking at is a citroen c1 vibe and I can insure it for 1.3k

I pay 1.4k on my first year. Usual quotes in the area are about 6k. It's got quite a few blackbox restrictions though...

I am 18 and just passed this month, I have checked how much insurance will cost... on a Peugeot 207, without black box, is around 6K...

I see everyone quoted so much. As a 1st year i went on comparethemarket and got a blackbox one with mypolicy for 1.4k for the 1.4 punto sporting 95hp 07 plate.

Thoughts on a first car next year , a 1.4L 2014 VW Polo Match ? (I'll be 18)

I paid £3000 on first car a Fiesta st but I do live in a high crime area in Leeds but I have had driving lessons since I was 13 and my first year my dad or someone older than me was always in the car this cap will help for first year but considering that I go on road trips to Europe and I drive every day now that I am 20 paying £1200 is tight especially with the amount of miles I do

I'm 19 brought my first car in March paid £1700 with black box. I can't wait to get it off

My insurance went from £1400 to £880 after my first year...1 year on Tesco box insurance and then switched to admiral. I drive a 2008 Vauxhall corsa 1.2L

I've had to be insured under my dad's name to get cheaper insurance which kinda sucks and with the cap it might end up like uni fees

2001 1.2 Fiesta in my first year was £1,550. Renewal has just come in for my 1.4 Lupo at £1,350

I've been quoted £1121 for a Toyota Yaris 1.0 VVTi, 2003. Very reasonable i think. I live in the Midlands, in Leicestershire. The quote was from Ingenie

I got an excellent quote through "first car quote" on facebook definitely give them a go I'm gonna have to get a corsa 1.2 and praying the prices stay down until I pass my test at the end of June

Mine is £1700 on a 60 plate ford fiesta zetec S 1.6 TDCI. I passed my test in January!

Last month I paid £1700 for insurance, very heartbreaking but I paid it off in full! All I can do is wait till next year to see if it comes down again

Can't wait to see everyone getting M3s as their first car 😂

2010 320D 2.0 163 bhp, 11 days after passing test: £1440 up to 5k miles, no black box :(

I paid £1400 for my seat Ibiza which I think was fairly reasonable for a first car without a black box

my insurance is dear 8 yrs no claims im 37 been driving 18 yrs and my area is ok im something like 480 uk pounds a yr for 65 plate nissan juke 1.2

Im 18 ive got a £2k citroen c1 2010, insurance is £1.5k with black box. But my area is bad so still a good price. Tips i would give is add a parent as 2nd driver who doesnt do driving for a living. Also increase the mileage to around 8k a year, it made my premium go down strangely.

2005 Limited edition Astra H breeze 1.6. First year - £2690. Which hurt 😅

I live in Northern Ireland and my first car was a 1L 2000 vw polo and it cost me £1800 to insure and I'm now on my second year and just bought a 1999 1.4L special edition polo and it's costing me £2200 to insure without me declaring my modifications .. Then they wonder why no one declare mods to their car ... It's a joke

Hmmm... West Wales, 150 BHP Fiat Bravo 1.9 MJet Sport, 0-60 in 8.5s. Group 22, insured before my first lesson. Insurance: £520/yr, no black box, fully comp with breakdown and legal. The catch: Started learning aged 31. Ironic thing is starting late does not make you a better driver, starting early does that.

£3800 a year or my '04 316i. Tbf an Aygo was only £800 cheaper in my area and the Bimmer was only £200, so I sorta saved myself some money lol

I bought an 09 plate Ford Focus and paid 2700 for a whole years insurance with black box from Tesco's. I paid 2500 for the car

2010 Mazda3 Sport 1.6, cost me around £1450 for my first year. brilliant car and fantastic value for money, would do it all over again.

Just got my 2017 Corsa 1.4 LE at £1300 without black box, pretty good if you ask me

Im almost 17 and ive been searching around and used your advice, Ive found on a 1.8 volvo its cheaper than a 1.0L corsa.... Volvo are in my reach! haha

i tried to get insured on my old family car when i was 17/18 on a 1.6L Audi A3 02 plate in london. No one even gave me a quote except one company who quoted £92,000..

Paid £2400 on a 1.2 fiat punto. They threw their toys out the pram when i cancelled my insurance & I'm currently paying off a balance of £400!!! complaint lodged against the company as you can imagine!

I recently brought my car for £800 it’s a Suzuki swift 3 door 2007 and I got quoted minimum £4000 to £27000. Looks like I’ve got to wait a while until the cost comes down

I passed may 16th 2017 at the age of 29.. 1.4 16V Clio was around £1200 for the year.. as a first time driver being over the age of 25 definitely helped! lol god knows what quotes I'd have been getting if younger... it's the thing that put me off wanting to learn to drive for years.. that and slight lack of confidence in myself.. but the costs of everything at younger ages especially, was just no way I could afford it at that time in my life. I was at college 8am til 5pm for 3-4 years and trying to find a job to fit round that etc was hard work, so fair play to any younger drivers out there on the road and managing to pay mental insurance prices lol :)

My insurance on my first car was £2000. I wish I could say the car was fast but it had 56hp. I live in Cornwall so I wouldn't have thought the price was high because of the area. Damn I'm still bitter.

Passed my test on the day this was uploaded