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Do you think a 2015 Volkswagen Golf 1.4 petrol is good to have as a first car for a 17 year old and that location is Royal Leamington Spa

Can you use any address to insure your car

FUCK THIS UK FUCK INSURANCE COMPANIES FUCK FUCK UK I DRIVE BMW I DONT GIVE A FUCK INSURANCE I PUT SOMEONE ELSE INSURANCE FUCK FUCK UKKKK

Why we cant drive nice car in this uk becuase of bloody hale expensive insurance in my country i drive bmw lamborgini is not fucking like london cuase London think to much about age and this aand that in my country they dont give fuck bloody hale

Fuck this uk fuck insurance is never cheap fuck government fuck this uk s lwa

I actually did extensive research on this when I had just passed my test, you missed a few of the biggest factors. Age and Location do play significant roles but the MOST significant is your credit rating. Me and a friend both passed our test within a month of each other, are the same age and lived on the same street. We both did quotes on his car with the only difference being my details and his, and because he had a much better credit rating than me his ANNUAL (not monthly) price was over £1000 cheaper than mine! That's what triggered my research.

Following this, I managed to reduce my quote by ~£500 by saying that I was married, a further ~£100 PER CHILD that I said I had, and a further ~£200 by REMOVING my second job (which was self-employed). Insurance groups are also unhelpful, as I found a few brand new cars in the same group as my own car and found that insurance quotes on the new vehicle were less than 50% of my 1996 vehicle, despite newer cars being far more likely (according to statistics) to be involved in an accident! A couple of months into this research I started notice that companies were disappearing from comparison sites, and that quotes started going up instead of coming down. I decided to question my own insurance company, who CANCELLED MY POLICY because I had been obtaining quotes regularly with different information!

They were helpful to my research though and did help to conclude my research with reason. Apparently those with a lower credit rating are less likely to complete a years insurance, whether they pay annually or monthly. Being married with 5 kids at the ride old age of 17 shows that you are a responsible person, the more kids you have the more responsible you are, and hence less likely to speed. Having a second job implies that you are in financial difficulty, and being self-employed suggests inconsistency with pay (further indicating the likelihood of financial difficulty). Newer cars ARE far more likely to be involved in accidents, but are LESS likely to be modified and also replacement parts are cheaper and in abundance (side note: price of replacement parts and being commonly modified cars are ALREADY factored in when calculating what insurance group a car is, so they are using those factors twice to manipulate figures). Taking out multiple quotes with different information raises Red Flags and tells insurance companies that you ARE committing insurance fraud (even though it is far more likely that you are conducting independent research).

NEVER get a black box fitted. Insurance companies use mistakes in their own hardware to increase your insurance! For example (we used to have telematics at work and my score was always a source of amusement) if you are travelling on a parkway at 70mph and the parkway goes over (or under) a 30mph road, then you are momentarily recorded as doing 70mph in a 30mph zone! Another great example is sliproads, the highway code states that when joining a road you are to match your speed to the speed of the cars on that road, however telematics companies think that accelerating to 70mph on a slip road is dangerous, and that it's much safer to merge into 70mph traffic at the mind-boggling speed of 40mph. Logic tells you this is dangerous, so does the highway code. But the best instance that I have found is that telematics penalize you for using your brakes! My braking score was mostly always 0-10 out of a possible 100. The only time I managed to get even close to the required 75 (company policy) was when I used what I call "clutch-pop" (when you engage a gear that is far too low so that the engine screams and wheels almost lock up when you lift the clutch suddenly) in 1st gear to slow down. It's worth noting here that out of everybody at the company I was the only one never to have had an accident, and only had a vehicle brake down on me when driving the way they wanted me to (clutch and flywheel trashed after I had warned them that it would). I also used far less fuel "driving like a maniac" as I understood that using turbo-pressure and fast gear changes keeps the engine running smoothly in a much smaller (and efficient) rev-range, hence you use less fuel and keep your engine and turbo happy.

In my experience the BEST way to get cheap insurance starts with becoming a great driver, and ends with a little insurance fraud. At the end of the day, when you make a claim they use fraudulent claims and misinformation to screw you out of hundreds of pounds anyway, might as well leave your car registered in your parents name and just get named on the insurance. My brother's 3 month old motorbike was stolen and he lost over 75% of the bikes value because that's what they said similar models sold for!!

informative vid! lit music btw

you forgot to put http on the description