Automatic Licence Car Insurance is 43.89% more!
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- Опубликовано: 6 июн 2024
- Passing your driving test in an automatic can be a faster and easier way of getting your driving licence in Great Britain. But are you aware of the extra cost of having an automatic only driving licence?
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This video is a guide intended to help people who are learning to drive with a driving instructor in Great Britain, it is by no means a replacement for driving lessons with an appropriately qualified driving instructor.
Laws and driving rules may be different in your country. The makers of this video cannot be held liable for any consequences caused by any information that is in any way inaccurate, misleading or missing. The makers of this video are not liable for any person's driving other than their own, it is the responsibility of the person driving a vehicle to ensure they drive safely and within the law. The makers of this video are also not liable for any person failing a driving test as a result of the information provided in the video.
00:00 Statistics
02:00 Prices
08:01 Why?
11:43 Things are changing
12:42 Cheapest quote 
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I PASSED AN HOUR AGO 🔥 💯
Congrats dude
nice
Well done!
well done mate
LETSGOOO
£7084 to cover a 1.0 third party is just criminal. I would never agree to pay that amount, even if i could afford it. I would rather not drive. Just isn't worth it, period...
It's probably cheaper booking a taxi to everywhere you want to go at that point. Fully taking the piss. The fact min wage is lower too for 21 is just gaslighting at this point
those arent real prices, its too push you away from insuring it
@@AIDANPEREIRA Minimum wage is lower to give better chances at finding entry level jobs
It literally is criminal. These companies are running a cartel. It is obvious.
@@PointNemo9that’s just how they justify paying us less mate
Those prices are completely eye watering. As an auto driver, I do very much get the logic behind your thinking on the increased claims. They are insanely easy to drive. I've found trying to drive as economically as possible in my EV gets me thinking way ahead and driving very smoothly. If you're just hitting the gas and zooming off though, I can definitely see things getting missed and forgotten more than they should.
I'm not from the UK and I'm completly knocked out from these prices on insurance, how can anyone that is young afford to drive a car? Not only have the prices of all cars gone up since COVID, and the insurance alone costs alot more than what most people pay for their first car. Total insanity.
@@slonkijippie Bank of mum and dad, mostly.
I'm 24 years old, i paid for my fiesta from.autotrader for £1495. However, my insurance is 4k a year. 😂 its manageable, but i had to seriously cut back on other luxuries like youtube premium and netflix etc. @@Flaruwu
@@slonkijippieYou have to shop for (used) cars with a
The insurance companies are running a cartel, that's the real reason this is happening.
when I lived in the UK ,I told my driving instructor that only having an hour driving lesson was not working for me ,I said I needed a two hour lesson ,and that we should go on roads that I did not know ,so that I would read the road and conditions ,and be in the correct gear at all times .This worked for me and I passed first time . I got my sons to do the same thing when they had driving lessons ,they both passed first time .
Same here. At the time, I didn’t love having 2 hour lessons (I live in a major city and driving through it can be super stressful). But it definitely paid off!
@@jdsummers1333 I had lessons - after I'd changed to a decent instructor - of 1 and 1/2 hours. The instructor said that it was because a one hour lesson wasn't long enough, but in a two hour lesson, people started to become unfocused by the last half hour. I passed first time.
my driving instructor had 2 hour lessons as standard. I think that extra time really helped.
I passed this morning with only 2 faults! So pleased. These videos were a lifesaver to keep my brain in driving mode in between my weekly lessons :D Alas, I am an auto driver, so this video has come at a good time before I buy my first car...
Thank you for watching and congratulations on passing!
www.youtube.com/@auto_ecole_messaoudi/playlists
@@ConquerDriving I work as Electrical engineer and sometime as electrician etc but needs the licence too bad for my job and the automatic is fine for someone like me but later will do manual if needed and had time but right now I need automatic ASAP to keep my job...
I think its age . Pure and simple. I passed my automatic driving test in the last year. I'm in my 50's . Family circumstances meant I had to have access to a car .
So my thought process was that it would actually be safer to go automatic seeing as being 'older I won't have muscle memory of decades of actual driving.
I live in the NE of England. Have a decent job
After passing I purchased a nearly new 2023 Small Hatchback 1Ltr 110hp auto , with all the gizmos. at 19k
I was expecting some eye watering insurance .( fully comp ) . But to my surprise it wasn't bad at all.
So much so I had to triple check all the information I provided to make sure I hadn't unwittingly made a balls up ..But no. My insurer informed me my age ( old ) meant even though I was an auto , a new driver the number was correct . my insurance came in under a grand. So yeah being a middle aged fart is the key apparently :D .
Oh and I can't recommend this channel enough . It one of the best to use on your journey to passing your test ( as well as your instructor of course) .
Similar situation, just got auto licence in my 40s, getting insurance quotes for just under a grand, for a 10 years 2L saloon. I first thought, it's not cheap but I was fearing worse, but I absolutely had no idea about these 5-6k that young people get...
@@mario7027 It's ridiculous! They're stopping a whole generation of people from driving for absolutely no reason, no other country has prices this bad for new drivers! Some of us live in places that we cannot get about affectively without a car and get shafted with silly quotes for insurance that makes driving inaccessible for many people, even with incredibly restrictive black boxes!
I'm in my 30s and an automatic driver. I was very fortunate with insurance prices too. I only learned this winter and passed in February, but had held my provisional licence since I was 20. I don't know if that makes a difference?
great video. i passed almost 4 years ago in a manual, i am so glad i chose to stick out the learning process in a manual.
You have no idea who i am Richard, however in a week, a solid week of learning to drive i passed today! And i would like to thank you for years and years of videos that help me learn all the things one would need to aquire as a skill to drive, i passed with 0 minors and my examiner was so proud! Thank you for helping me with your content to conquer driving 💚
For those that don't mind taking an extra risk, getting a few years on the road on the 50 or 125cc motorbike or a moped could be a good way to save money on your first car insurance. I was able to move my 4 years NCB from the motorbike policy to insure a 12 year old Mercedes A150 for about £500. It was a bit of a hunt to find an insurer that would accept the NCB, but well worth it, as I've saved about £1000 on the first year of policy.
Thanks from Hong Kong 😃
i like your videos very much
and therfore recommend your videos in hong kong learner driver group,
they love watching your videos as well 👍🏼
Great video Richard. Insurance prices are messed up even for us newer manual drivers😂😓 just have to firm it.
Just passed my test!!!
Great videos about some of the more awkward scenarios that can happen occasionally definitely helped keep me at ease during the test.
And Boomers say millennials whine to much when the average cost off lessons, test, first cheap car and insurance is your annual income
I think you mean Gen Z not Millennials. Most Millennials now are over 30...
Hilarious Isn't it? This Boomer is forced to pay a huge £129 a year, fully comp, on a 255bhp modified VXR.
It's horrendous the cost of insurance for teenagers these days. It was one of the reasons I put off learning until I was 23 and that was over 25 years ago.
I think it's still best to pass when you're 18, as you'll have held the license for longer by the time you do get insurance
Boomers thing is a US problem not a UK one. UK boomers not rich like US ones. Millennials are over 30. Kids and Automatic drivers crash more often that's just the reality of it.
I passed last Thursday 18th in a manual 24 years after i first failed my test when i was 21. So glad i decided to do it again. I have watched your videos Richard and rhey have really helped me inbetween my weekly lessons so thank you for all the fantastic advice. Ive just bought myself a 67 plate Corsa and im buzzing cant wait to get it at the weekend. My partner put me as a named driver and its only costing me £66 per month fully comp 😊
That's fantastic to hear! Thank you for watching and congratulations on passing!
I passed today (automatic) 😀. What a relief I can’t explain. This was my second attempt. Videos in this channel and others helped as I did not pay penny to any instructor or booking agents. I could drive for 12 months based on my international license.
i did automatic with my mother with me. I driven for 1 month. I had a test few days after that month. I passed. I learned from multiple channels :) the rest was physical , getting use to the wheel. Anyone doing automatic, get a family member to physically help you, but make sure to study on youtube :)
I passed my test within the last 2 weeks and managed to buy a 1.5L 112hp 2014 Mini Cooper D manual for £4300 and got an Admiral quote for £1500 comprehensive cover WITHOUT a black box. I live on the southern coast of the UK and both my parents were on the insurance. A lot of my friends are restricted by a black box so I feel super lucky to be able to do without one. Get the car in 3 days, super hyped!
thats very good
Nice. How old are you?
Don't fear the black box - the one I have just measures your driving (I'm not a bad driver but certainly no expert) and penalises you for driving lots from I think 10pm-4am - no real restrictions at all, well worth the saving
@@thedragonbrawler9311 19
@@jessicawalton4690 funnily enough this admiral quote was only £100 more expensive than the cheapest black box quote. not much in it at all
I passed my test today. First attempt, absolutely buzzing. Only 2 minors. Your videos helped me a lot 👍🏻
That's great to hear! Thank you for watching and congratulations on passing!
@@ConquerDriving thank you good sir!
Thanks so much for your videos richard! Passed today with 4 minors, i really appreciate your help.
Thank you! This is the most useful and encouraging channel for driving out there.
You keep coming up such great videos Richard! Always so interesting to watch, and much to learn.
Thanks 🙏 a lot. This was helpful. As a learner driver for a long time 😂 I’m so glad I’ve never driven an automatic transmission. People have told me to go automatic because it’s easier. But I thought it would be useful to do some research on pros and cons of driving automatic. So I’d remain a manual driver for now
I passed my driving test on the 26th of March yesterday…thanks to all your video I watched here… I have 8minors
Thank you for watching and congratulations on passing!
Utterly ridiculous insurance rates, how are ordinary young people supposed to afford to drive at all? It's a crazy situation that the government requires you to buy insurance, but does not regulate it in any meaningful way. One might almost suspect the goal is to prevent people from driving...
I finally passed today - I can't thank you enough for the videos Richard!
That's fantastic news! Thank you for watching and congratulations on passing!
Passed manuals with some minors yesterday in first attempt 🎉 your videos are great and easy to understand. Learnt what common mistakes are not to be done from your videos. Attended two classes only. Thanks for your videos🎉 keep rocking
That's fantastic news! Thank you for watching and congratulations on passing!
How long did it take you
@@nviscallin3702 i already have experience in my country . So here just learnt road signs and roundabouts in 4 lessons thats it
I've just passed the other week, got an 2008 Audi A3 2.0 TDI its been remapped and is quick! Running 220 BHP, first car first year insurance is £1600 fully comp with all he extras included
I’m 17 my birthday was March 10th I passed today 2 minors manual thanks to you
Just paid £2000 annual for a manual 2011 ford ka 🤣, think the prices are screwed anyway.
Best advice ive got to reduce the cost is to definitely add a named driver with lots of experience, and book insurance well in advance, up to 28days seems to get a decent discount. I did mine 6 days in advance and dropped it a couple hundred quid
@@sirlagsalot1387 how old is the driver & for how long was driving in total?
That’s cheap, 4000 is my lowest quote
That’s what I pay for my 2017 Fiat 500. Thought it was expensive until I saw the prices in the video 🥲🥲
Your age and profession make a huuge difference. As an engineer in my (at the time) late 30s, my premium was less than £1000.
so glad i just pushed through and learnt how to drive in a manual. coming up to my 3rd year of insurance now and its looking like i may only have to pay about £600 a year which i dont think is too bad
O nice! How old are you tho?
What car do u have its so cheap for a 3rd year driver
@@elonwong 22 this year (not yet tho)
@@xnlyxn9862 late 90s honda (1.4L) i think there is some truth in classic cars being cheaper. I think eventually cars get so old they just think okay this person has to somewhat know what they are doing to want to commute in this thing
@@priceless073 gosh any tips and tricks? gonna get my license in about a month or 2.
I passed my automatic test last month at 22 and was so happy to see my insurance is only about £1100! That's with a brand new petrol automatic as well, just a really small one to keep the cost down (plus both parents as named drivers)
Another really interesting video Richard. Something you didn't talk about that I found out very recently when I was looking around at nearly new used cars is that many car manufacturers only produce cars with automatic transmission. This has happened very quickly within approximately the last two years. I can only assume that this is to prepare all of us for driving electric vehicles which are only ever automatic due to the way they work. This means that if you want to buy a very modern car you are likely to find you can only get it as an automatic now.
I'm fully up for the change. I love automatic cars. This will slowly change the statistic for the better mind you. If 90% to all cars will be automatic then there's going to be minimum difference on insuring with a manual or automatic licence.
It'll have to happen eventually, so better to start now!
I think manufacturers are dropping manual due to a slight difference in emissions.
@@ConquerDriving Not to mention that hybrids are only efficient with it's unique drive chain, necessitating it to be classified as automatics
When I passed my test a few years ago, insuring a 2L engine Saab would cost me less than half of a 1L Corsa or equivalent small car. Also the total cost (car+insurance) would have been lower. I ended up with a different car somewhere in the middle. The car itself plays into the price as well. Because a lot of fresh drivers in the UK has Corsa or similar car, and those generate more claims, you end up in the same bracket instantly. Car, where you live, where you park, commuting and if you put down you're single.
Yeah I sometimes think I should marry a car friend so we can both get cheaper car insurance
Hi Richard, a great Video and thank you for sharing your thoughts, it's much appreciated. Cheers Peter :)
I got my licence (manual) recently, the insurance for me was around £800 on a 6 yrs old automatic car. No other drivers named on the policy. I think the biggest factors are age and location, I'm in my 30s and in live in a small town. I bet insurance for under 20s in London is the most expensive. £3000+ is crazy though.
I think the fact that fully comp is no difference or even cheaper is a big indicator how messed up is the situation. Your first car might only be worth a few thousand, but a lot of other cars around you are super expensive (especially in London). The insurance prices reflect the stupid high rate of increase in the cost of the average new car lately, but the underlying greed is double for the insurance as the insurance companies have to make the extra profit too despite the increased claim amounts.
Excellent video and I agree with your findings entirely.
Passed in auto in Jan, late to party being 41. Insurance was around £1850 via darwin for a 2017 focus titanium x.
Its crazy how much age affects insurance price aswell. Im 23 and passed 2 months ago and got my self a 2008 aygo that i paid £1300 for just like in this video but a year older. I insured it with 2 named drivers, 8k miles, £150 excess, fully comp and paid £751 for insurance. Price of the car, driving lessons, insurance and cost to run the car are the main reason i didnt learn in a level and waited till after uni. Simply didnt hate the bus that much pay for all of that on £6 an hour.
Was that with a manual or automatic licence? I'm in a similar position and trying to decide which to learn in, leaning automatic but not if the insurance is crazy.
Thumbnail is absolute class 😂
Love automatic cars ❤❤thank you 💖 conquer driving
I'm so glad the days of being seventeen, in terms of driving are long behind me. I can't begin to imagine how hard it is to afford driving these days, for younger people. Back when I passed my driving test, I had nine points on my license. As I had a motorbike before. I paid around £1600 fully comp, for a two litre diesel Mondeo. These quotes are eye watering.
Great video Richard as always learn something.
for refrence
me 20 male , passed 2 months ago, £2k a year for a 1.2l 2010 Corsa 5 door (£2955 61k mi) , Manual Full comp , Sdp & commuting .
my mum is also a named driver (20+ years no claims)
Unfortunately that's actually a good quote
www.youtube.com/@auto_ecole_messaoudi/playlists
Forward planning took me the longest to learn, much to my instructors annoyance, I could do everything fine, but just wasn't doing it when I needed to. I figured it out with time, but this I definitely think it's crucial to think a few seconds ahead and figure out what COULD happen a few meters down the road
I completely agree with what you’ve said in this video. I’ve learned in a manual but I’m taking my test in my own car, which is an electric, ie; automatic so I’ll have an auto license and it bugs me. I do plan ahead still but I know I don’t have to. But there are reasons and I think it is another reason why auto license holders might be more likely to claim. I’m disabled and struggle to change gear, an automatic car makes it easier for me to drive. It also makes me a higher risk driver. And so more likely to claim 🤷🏼♀️
I was going to comment on the 67 horsepower Toyota Aygo. And I guess I still am, just in a different way. I have a '93 Geo Tracker, 1.6 L i4, makes 80 HP from factory. Only thing is, I live in Colorado, and I just looked up how much the power drop for a NA engine is at this altitude, and it turns out it's around 18%. Which means my car actually makes around 66 HP. I can agree with your assessment that it's about the minimum amount of power that's usable in a car. I basically drive full throttle all the time, and how fast I want to accelerate is determined by how much I let it rev out. The power drop also explains the atrocious 0-60 times. I did a test once and found it was around 21 seconds to 60 mph, substantially slower than the 14s numbers I'd found online.
The reason I chose to learn in a manual is that, if I ever had to drive an automatic for some reason, I legally could, but I couldn't legally drive a manual if I'd learned in an automatic. I had no idea it made a difference to the cost of insurance.
I recently passed my full driving test and bought a 2011 Nissan Qashqai for around £3300, my insurance was just under £2000, though i live in N.Ireland.
I completely emphasise with the point that people who drive autos are not that vested in driving. The reason I learned manual was due to the fact that it was cheaper to ensure and, quite frankly, has the soul of driving.
CPC licence holder here, please do make a video about insurance for the youth. Despite my driving qualifications and being responsible for on average 70 passengers per trip driving 10 hours a day, I cannot afford insurance on a tiny 1 litre Toyota IQ eco box.
This was one of the main reasons I learnt manual. I wanted cheaper cars and insurance but also I feel like I'm actively focusing more so I'm be safer. Just hit two years with my license and have no points, which if I was auto I think I would've
When I got my 1st car, a 1.9 diesel Citroen Bx from 1987, many years ago, in Romania, my 3rd party insurrance was the equivalent of 50 Euro yearly. There was no option to get an automatic only license back then.
Does that provide unlimited 3rd party cover? Sometimes insurance is cheaper because the exposure to risk is reduced.
@@brendanpells912 It was not unlimited but something like (as far as I remember) 1 milion Euro for material damages and 4 milion Euro for personal injuries. Rest assured, you will not see 1 milion Euro cars on our roads that often.
@@10mbc My Romanian friends tell me the same, and that the insurance is for you personally to drive any car. But if you think about the fire at Luton Airport, if it was one person at fault and his insurance was limited liability, they have to pay for it. If you accidentally ran into a car with 4 passengers and all of them ended up needing personal care for the rest of their lives I think that would cost a lot more than 4 million Euro. But UK insurance is a rip-off.
@@brendanpells912 As stated before, the insurance is for the car but the owner's name is on the insurance. Anyone can drive the car with the owner's permission. You're stating some edge cases and you might be right but that is something that, statistically speaking, never happens. Regarding the UK, to ask 6000 GBP from a 17 / 18 that just got his driver's license is telling them that they don't need to drive and that is bad. Your freedoms are more and more fenced behind a paywall.and now you are salty about some 3rd word's contry prices. You need to talk to your politicians about this, not to me.
Absolutely astonishing prices!
Brilliant video Richard, as always.
What will this all do to folk passing their tests in electrics now and in the future? They're automatic aren't they? Or are they as they don't have 'gearboxes'?
You only have to look at the internet videos of people crashing overseas and I bet 99% will be autos. Not in the UK obviously.
36 years old, Just over 2 years license holder. Insured 1.8 Honda Civic Type S for 580 quid while i just got renewal quote from hastings to pay 1800 lol. Total excess 600 quid, 10000 miles annualy. Manual license, manual car. 140 bhp
I passed my test in december in a manual car
now bearing in mind I was 22 at the time not 17 (also 23 now) when I was initially looking at insurance it was around £2000 for a fiesta
adding both my parents to this brought it to less than £1200 INCLUDING optional paid upgrades
This is 100% true. I sometimes reflect and imagine how quickly I would’ve passed if I drove auto? I was exam ready in 15 hours driving manual and watched countless RUclips videos to become an expert with my clutch control but if I had automatic that learning curve would’ve been cut (8ish hours) and I would’ve passed way earlier
A major factor I found after doing 100s of quotes for all different types of cars (fully comp with parents as named drivers and 5000 miles) was what date you selected. If you look online, you’ll see a lot of sites that say about 3 weeks is optimal. This was not the case. Going through 30 days in advance, I found that about 8 or 9 days was the cheapest for some reason. Also, look to see if your parent’s car insurer has a multi car discount. This saved me an additional £200. Insurance will also go down a little bit once you’ve passed your test and you can actually input your driving license number, as well as decreasing some more when you own the vehicle.
When I passed my test in November 2021 in a automatic (after failing in June in a manual) I finally got enough money to buy my first car in March 2022 and to insure it was crazy. Ok I was 54 at the time but insuring a 1.0 litre car was only £50 less than insuring a 2.0i with 149hp. It cost me £949 for SDP fully comp, 12 months later with 1 year no claims the same insurer wanted over £1,400. Going online for a comparison I got it for £749. This year we bought a newer car (2018 1.5T) with all the safety features you can think of,but insuring it even with 2 years no claims it cost us £1400. I guess it won’t be for a further three years before prices will start to drop
Now im glad i chose to do manual lessons! nice vid as always mate thanks!
Manual lessons do generally create better, more aware drivers, so you’ve definitely done yourself a favour
Counterpoint:
Lots of 'older' drivers tend towards automatics, older drivers (we are talking like 70 - 80yr olds) are more likely to have an accident (scrapes and bumps - even if no one else is involved). So that does skew the figures of 'more claims for automatic cars'.
All EVs are automatic with a big push towards phasing out ICE cars means more and more cars will be automatic, eventually all of them.
Insurance prices have always been insane, even 10+ yrs ago Top Gear made a thing about it but it does seem to have gone through the roof in the last few years for sure.
Possibly the rise of mass SUV uptake; they are themselves more expensive, plus they make for nasty collisions often totalling cars - the insurer probably has had to pay out a lot more on average within the last decade for this.
I passed last June and in October bought myself a 2010 Citroen C1 for £1295 (It was cheaper since it was a repaired CAT N) I paid £1375 for insurance with Ticker (With a black box too, but luckily they don't limit your driving hours or anything) living in the South West with my dad on the insurance too. Got quite lucky but looked at a newer age non categorised C1 (Think it was a 2013) which was only a little more expensive but it was so much more to insure.
I really think I did get very lucky, a lot of cars I looked at were just not viable to insure
Driving a hybrid car feels like driving a manual since you're always planning ahead to squeeze out more fuel. I am a manual driver but while I was on automatic I realised that I was less focused since the car just works whereas when I'm driving manual I am forced to pay attention otherwise the car will stall. An imperfect workaround that I found is the use the dual clutch gearbox manually so if I am not controlling the gears the car would sound like a tractor and notify me if I'm dozed off. Honestly dozing off doesn't happen often but in the manual it would never happen.
As a new driver I was looking to insure an old Corsa, on my solo policy the cheapest I was quoted was £3000+ fully comp per year. Decided to get it on my Mum's insurance and that's less that £1000 per year! It's absolute robbery 😮💨 so glad I was able to get it as a joint insurance account through my mum. I have a manual licence and have my own manual car now, glad I decided to do manual learning, I'd hate to not have the manual car experience.
What do you mean by 'joint insurance account'?
If your mother was listed as the policy holder and main driver and you as a second driver you were 'fronting' which is technically fraud. In practice it's all fine until you have an accident, the insurer investigates and leaves you holding the bag for the cost of damage to the 3rd party's vehicle.
I'm not trying to lecture, it's the advice from someone who did exactly the same and learnt the hard way when he was 18 in the early 2000's.
It's also possible auto sales are higher than stick shift, therefore more claims.
In Australia, we get a lot " Autos for the price of a manual " this is because it's not worth it for the dealer to bring in manual.
When I came to the UK, I paid a penalty on insurance as I held a Western Australian licence and not driven in UK. I have a manual heavy rigid licence. I understand your point of view on auto. Also one of my jobs ( not truck) because we drove between customers they rated our crash rate 9 times normal driving.
As a AT driver from another country, I learned MT license in UK.
AT and autopilot features just not work on Britain road (mostly roundabouts).
Car market, insurance, driver's habit are pretty different.
Automatics most definitely work on british roads....
Your reaction to the idea of a 607hp Aygo was the funniest thing I've seen in a long time!
But those prices are extortion. It doesn't affect me in the slightest, but that really annoys me how expensive it is. And I thought 900 per year was expensive when I got my first car...
When I last renewed my car insurance and I queried the increased premium I was told it was partly due to my age being over 75. I have held a full UK licence since age 17, I also passed a Met Police London taxi test on an automatic cab at age 46 and have 9+ years NCB. My premium was still an increase of nearly 30%. I drive a Mazda3 auto 19 plate and cover under 3,000 miles per year. There seems to be no credit for experience, only a charge for inexperience!
Id say its a confidence thing,.. people i know who drive automatic and passed with that did it because it was less to worry about because they wasnt as confident with manual driving.
also interms of insurance if you getting fully comp its like you care about your own car so will more likely to take care of it. it also matters about your occupation more than anything else.. followed by the type of area you live in. well at least that helps a ton.. coming from someone whos working in insurance
Yeah it's gonna be the chap's age I reckon. For reference I passed in 2012. To insure my first car, an 89bhp 1.3 manual, cost me around £1850. I was 25 and passed with a manual licence.
Congrats to everyone who passed recently.
Good, encourages people to really learn how to drive a car
My son 19, passed a week ago or so, automatic only, and his insurance is 7k to 12k quotes. He is now on a 7k a year policy. And that is as a named driver. Fully comp 1.6 focus. Nightmare situation but had no choice but to get it.
I remember when I was younger and insuring my car. I tried adding my mother or father on and in all the quotes it never made it any cheaper and in some cases even made it more expensive. The only thing that brought it down was me joining the IAM and doing my advanced test.
Passed in a manual 7 months ago (24), and just bought an automatic 2001 polo with 15k miles on the clock. Insurance was £1,300 which is incredibly lucky. For anyone whos looking for their first car, lookout for the older and smaller ones with low bhp.
Insurance has went up considerably in the last couple of years as when I passed my test 2 years ago in April 2022, My insurance was £717 for the year and that was me being a 17 year old male with a 2009 Fiat Panda 1.1 with my parents as named drivers and living in the north east of Scotland. Now with me being 19 now I bought a 2019 Toyota Aygo with the same cover as before was almost £900 for the year. That's with 2 years no claims too.
Folk will always tell you insurance costs fall, with age and no claims, which if you look at what older people pay vs young drivers, looks at a glance to be true.
However it has never been my experience and I pay today way more than I did upon passing in 1996, despite shopping around and 7 years no claims bonus.
My first car was a 1976 Mini 1000, purchased a couple of days before my 17th birthday in 1992 for £450 and to insure myself on a provisional licence and 18 year old sister freshly passed named driver, £360 Third Party Fire and Theft.
My insurance forever since has been between £450 and now about £750.
admittedly that is on an automatic Jaguar XJ6, though at 21 years old it has little financial value and I paid just £1450 for it in 2019.
Man your insurace prices are absolutely crazy. I recently seen a video by a german channel about a BMW M3, which according to the video, cost around 2000 Euros per Year insurance and around 2500 Euros per year for a 20 year old, for a car that costs around 90 000 Euros.
Sounds about right, I'm from Czechia and paid 1100 EUR for a fully comprehensive on my new MX-5 ND 2.0l whilst being a fairly young driver (early 30's) with no previous ownership history. A more "normal" car like the new Yaris would be around half of that I imagine. 6000 GBP for a 2009 Aygo automatic sounds ridiculous.
I do think age plays a huge part in this. I passed backend of 2022 in auto and purchase a 1.4 Golf with 148bhp. Insurance for that was £650 for just me. Since then my wife has passed her test in an auto, I swapped the Golf for a 3.0l BMW with about 320bhp and the insurance is £1200 for the both of us. Both over 30.
I passed last year in a manual and insurance on my 14 year old Golf was £495 insurance, I’ve now swapped to a 22 plate automatic Hyundi i10 and insurance is £375. I thought both my insurance policies seemed low but know it’s about to hike up as just had a low impact/speed crash last week. I’m an older driver and park off road with cctv so maybe that helps with the price, think age must be the main factor.
About to renew my insurance so a video about how to get it for cheaper would be amazing! 😂
In my experience many indifferent drivers reverted to automatics after attempting to pass in manual vehicles.
This is really interesting, I passed in an auto however I was 21 not 17. I drive a 2.0D Volvo v50 and that is about the same to insure for me as my girlfriend's manual passat which is in a lower insurance group so my feeling is that as you get older it evens out between the two licences or that's how it seems to me. great video !
not sure if this will work for everyone but i recently passed and i insure with hastings insurance, if you put the date when the policy starts 13 days after when you pay it can lower it. in my case im driving a polo 1.0 but with TSI which would typically be very expensive however, putting the policy to start 13 days in advance saved me 1000 pounds for the exact same insurance. my insurance was 4.3 for 12000 miles but got put to 3.3 with the 13 day wait. why this is idk but you mentioned making a video about cheap insurance and if that could save some people money then i want people to know, also thanks ur videos helped me alot
All I'm gonna say is that Wales seems to be much cheaper than England for new drivers insurance, have lots of friends who's first year premiums are between 600 and 900 without a blackbox driving manual cars like aygos and KA's. My fiesta is costing me 900 a year with a blackbox, with my friends here thinking that's expensive here. ( we are all aged between 19-20 when we started the first year of premiums).
thanks! really surprised. It will be irrelevant as we go electric but I thought auto drivers would learn better as not worrying about cogs(gears&clutch) instead focusing on looking and driving safely. In america its mainly auto but ttraditionally UK purchase price and maintenance was a lot more for auto. Apart from the Aygo I think Toyota are all hybrid .The replacement for my Yaris certainly is. Been driving 60 yrs and went auto 20 yrs ago as doing 70k miles my left leg suffered. Never went back but my insurance is now high for 3k a year. Cant give up untill I have to as poor public transport ( village near Derby) Again Great Vid❤
Just got fully comp'd with breakdown cover etc. for £930 on a 2009 Nissan Note at 21yrs old. I could have shopped around a bit more and played with the numbers (I just put 3k miles and left it at that) but £930 for my first insurance didn't seem awful.
I’m 17, automatic license holder just passed last week and my car is ~£15,000 with insurance at £3500 which is weird and is a “very low price” compared to your quote for a considerably cheaper car
It can vary based on a lot of factors, eg postcode.
@@AlexSwanson-rw7cvtrue, I’m also thinking having some safety features on the car might make it lower too?
@@captideWhat car is it?
Great video as always! Would it be possible to make a video on the different types of fuel (premium vs regular) and their advantages and disadvantages? Thanks Richard
It really depends on your car, if a car is designed for standard fuel then putting 98 Octane in it won't give any benefit.
I think you conclusion on the why is fair, although I think it would have been good to touch on the manual test pass rate.
I'd imagine this will be another factor for the insurers, although the failure rate is probably caused by the same reasons.
I passed the test in first attempt 😅
Thz man
67 bhp is a twice that of the vans I drove for many years.Longest journey was Somerset to Cumbria.
5:56 YES please make a video on how to get cheaper insurance!
Here in Italy sadly enough the situation is the same, we have a bit of a different rules, for instance here you cannot have an only automatic license and you are considered a “new driver” up to 25 years old or 23 if you had your license for at least 2 years and also we have something kinda like a levee related to your ability to avoid crashed (don’t know if that makes sense to io but on our insurance you can find a class that goes from 1 (for the drivers who never had an incident up to 18, if you have a incident it goes up two classes viceversa if a year has passed and you didn’t have any crashes the classe goes down by only one) but the prices are insane, for example, I’m 21 and I’ve had my license for about 6 months and as per rules I’m in the classes 14, per rules every new license older is out in that class, if I were to insure a car (manual and around 150 k km or about 80 k mhl) older than 8 years with minimum coverage I woul need to pay up to 3500, just because I’m a new driver and the car is old, for example my fiance who’s 27 and has had his license for about 7 years and has a 2020 car with under 20 k miles used to pay just 700 and still he was in the 14 class! (When you got a new car usually you are out in that class no matter what) obviously when I finally got my license he needed to app my name on the license and now we pay more than 1200 and still he is the main older, if I were to be the main older we would pay 2000 and up, it’s insane and frankly quite sadly since I can see that owing a car by my self is getting more and more just a dream, sorry about the rant but it’s infuriating to see that things are this bad basically everywhere
This is odd because when i was first driving back in 1992 third party only or fire and theft was always considerably cheaper than fully comprehensive hence why me and those of my age never had fully comp cover...
One thing to note with these quotes is they always do ID checks which appear as a soft search on your credit reports. If they can't find your details they'll bump up the premiums accordingly
my quote for a vauxhall viva 2016 (around 70bhp, 1.0l) was £1900 a year with a black box. no one else on my policy. i was 19 when i passed in january and im from liverpool. still a lot of money but feel lucky to have had this quote. i recently bought a mazda mx5 mk1 (1995) and a quote for that is £6000 for 3rd party insurance. next year when i’ll be 21 it will be £1900 again so looking forward to driving that beauty. insurance nowadays is a joke for new and young drivers
I want to say that Jamie's insurance numbers are higher because of his location (greater London) and also his age. I live a bit close to that area. I have an automatic license (because of a busted knee). I know how to drive a manual car, but it is painful to an extent. I am 42. I got a cheap car (3900) and the insurance came to around 1500. But now I am seriously thinking about getting a manual license for the insurance only. I will keep driving my automatic car though. The streets in the UK are too small to use a manual car. Interestingly, I used my old address in Hull just to check if changing the address makes a difference, it brought the insurance to about 40% of the original quote.
In Toronto, Canada a manual car does nothing to the insurance rate. Im a new driver and have been quoted premiums of $7,000-$9000. Sadly bc of how high accident rates are here, insurance costs are out the roof for new drivers
Hi Richard 😊😊😊
I was wondering if you could do some more mock test videos perhaps?
Coming soon.
I think age and time since passing definitely affect a lot, I was getting quoted between 3000-6000 for cheap, not powerful cars with small engines, then nearly 2 years after passing I paid 1200 for a 1.6 Diesel 90hp 2009 Fiesta, after driving it for 2 months, with my birthday in between, I switched to a 2.0 Diesel 130hp Insignia, and it ended up being nearly 200 cheaper than the Fiesta.
When I insured my first car (fiat 126 bis, 1988 F reg) in 1996, the premium was around £350...
Roll on to now, where I have full ncd, on a 2001 mx-5 I'm paying the same, but with added extras such as business use and breakdown cover etc...
The prices that are being quoted these days for people who have recently passed, or even passed a few years ago but have no ncd due to having fleet cars etc, is absolutely ludicrous
I found confused to consistently be a lot more expensive when comparing quotes. Make sure to use money supermarket and compare the market too.
These insurance prices are insane. We have 3 vehicles and have been looking into insurance costs to insure our daughter when she gets her permit at 15 years 9 months (Maryland - we don't have separate manual and automatic licenses for non-commercial vehicles). The vehicle is a 2022 Jeep Wrangler Rubicon 4xe (375 hp/470 lb ft of torque). Making her the primary driver with full coverage adds just under $2,500 a year. I thought this was expensive.
I have a manual driving licence and drive an automatic, never had an accident and my insurance renewal went down 10% with eSure.