@paulsimmonds60 Nae bother man, if your phoning up about the merc it'll still be astronomical. If you want an experiment just pick a small car you see out your window or on auto trader and get a quote for that to see the difference. Think 1.2l MAX.
Tbh even without your convictions I reckon a lot of insurers simply wouldn't insure an 18yo on that car =/
@paulsimmonds60 Hope you have learnt your lesson. Two quite serious offences for an 18 year old. From a finance side you should you just get additional driver cover and worry about your no claims later. Otherwise you are going to be paying thousands upon thousands. Probably way too much to actually ever justify having a car in your situation.
@paulsimmonds60 It’s not happing unless you’re on a footballers wage. Furthermore no disrespect to your dad. Its not a good idea to be trying to drive a car of that prestige when you have no significant experience behind the wheel. Plus the running costs will just eat your money.
Get something like a fiesta or a Corsa with a 1.2 litre engine and when you start to have maintenance costs on those you’ll realise how much of a bad choice you would made trying to go for a Mercedes.
@paulsimmonds60 I was asking a similar question here awhile back, I have a recent conviction for Intent to Supply Class A Drugs, and I'm 20. Cheapest insurance I found anywhere is £2500 on a 10yo Volvo saloon. Honestly in your situation getting a Merc is a very bad idea. I ended up just sticking to motorbikes and now pay £450 a year on a 125cc which is plenty for my commute. I most likely will not be able to afford a car until my conviction is spent. If you truly need a mode of transport that's what I suggest if you want anything that's going to be reasonable. Otherwise you're just fucked.
@paulsimmonds60 There are some insurance brokers who specialise in convicted driver insurance. I have no personal experience with them, I simply know they exist.
It might be worth skipping the comparison sites this time (after all, they cater primarily for the 'average' driver, which you are not) and have a google for that.
Ultimately you might be best off with a cheap, uncool runabout until your insurance history improves.
@paulsimmonds60 I'm just going to throw my own experience in here for you to think about.
I passed my test in 2014 at age 23 and didn't get a car until 2017 at 26. Even though I was over 25 my cheapest insurance for a 1.4 TDI polo was £1,400, and that was because I paid it all in one go and had a tracker fitted. After I got a years no claims it went down a fair bit but was still close to £1,000. What I'm saying is that at 18 you are unlikely to get anything reasonable for a car like that until you've at least got some no claims years under your belt, that's not even taking into account the convictions you have.
I'd reccomrnd you get a cheaper run around car until you build up decent enough NCD. The way this sounds for you at the moment is that you cannot afford it, or if you can afford it it is so absurdly high you'd be a fool for doing so.
@paulsimmonds60 You’ve got 2 convictions pal, that’s going to be the biggest killer not to mention your trying to insure a AMG class Mercedes (albeit only a CLA 200) there’s no chance you’ll get any decent quotes. Best option get a different car, doesn’t seem like money is a problem if you’ve got a 2018 Merc so do what everyone else does and get a banger for the first year.
I’m 19 now with 1 years NCB got a Audi A5 3.0T V6, got about 300bhp and eats everything on the road and looks nice so just wait a year then get looking. £1600 fully comp direct line
@wherelovegoes That's actually crazy for someone our age, a 3L is out of the question, was that the first car you bought? I was speaking to my pals mum who is a lawyer, and she said you can't be penalised for the points if they're expired. So when they expire at the end of this year do you think my premium will reduce?
@paulsimmonds60 First off insurance is stupid, can’t be said enough especially for young drivers... I figured I could either get a £200 Micra and pay £1600 to insure it or get what I wanted which was a (albeit abit more than the micra) 2010 Astra 1.9CDTi with 150BHP and still pay about the same insurance.
First couple years of atleast the first year of driving and you’ll need to have a black box, it’s stupid but it’s how it is and the only way to get insured for cheap(er). As for your points I can’t say as I don’t have any convictions however I do have 2 claims and after a few months they won’t have much of an impact even though you still have to mention them.
Edit: just to add about how insurance is stupid, I had a 2003 BMW 325Ci between the astra and the A5 and the BMW was £300 more to insure compared to the A5 and the A5 has 100+ more BHP. MAKES NO SENSE
@wherelovegoes Yeah that's the the thing, I'd rather pay £200 more to drive the car I want to drive than a tin can. My mate has a 1.4L Astra GTC, and £2055 was the cheapest quote he could get and he has a clean record, to put it in perspective a CLA 180 is £2033 for me to insure with my convictions. Which just shows how great insurance companies are at reasoning.
I am happy to get a blackbox but I'm not going to drive like an idiot. But yes I agree insurance is silly stupid, but you've had some nice cars for someone your age, and it seems like you enjoyed them too.
@paulsimmonds60 Yeah I’m big into my cars, had an 1995 MR2... went like a rocket and you could get the back end out on it aswell loads of fun but got pulled out on which wrote it off instantly but this stuff happens. Honestly £2k for first years insurance isn’t unheard of, definitely reasonable given the vehicle and convictions.
Edit: It’s not reasonable at all but I think you get what I mean given that insurers just pull most quotes out their arse anyways.
