Car insurance - UK answers only please?

I'm 23 and want to do the impossible, and drive a powerful car yet avoid paying thousands a year in insurance. Can I save much by driving a classic car (with road tax exempt status) - e.g. a 1990 Jaguar XJS 5.3 litre V12 my father owns? Or how about a 1994 Saab 900 SE 2 litre V4 (non-classic car)? Can I save money by being a named driver on my father's insurance? Or should I just walk more?

Public Comments

1. try elephant.com they do great bargaining when giving you a quote try them as see what you think and compare what price it would be to go onto your farthers insurance. it might be sensible to keep off your dads insurance as it may up his premium if you have an accident.be independent and you have noone to answer to if things do go wrong
2. If you are put on your fathers insurance his premium will shoot up astronomically, go to one of the ones especially targetted at young drivers, look for them on line
3. there is not a chance on earth a 1994 car will EVER be tax exempt in the UK, unless the old law that required a vehicle to become 25 year old to be exempt will come back. This law was quashed by Tony Blair a year or two after he became prime minister. The reason why younger people pay more money in insurance is they are more prone to accidents, however not all young men are high risk, indeed some have common sense and learn the ropes with less powerful cars, which in turn will cost less to insure. So the common sense way to spend less money and be safer would be to get an F reg bluebird for a couple hundred quid and bash that about for some 30.000 miles, that way when you take a bend with under inflated tires chances are you won't be doing 100 miles an hours! Lol sorry half jocking here but there's some truth in it, I have been there myself and you ain't better than I ever was :) edit: this is where my 24 yo son got his insurance they do an online quote http://www.kqzyfj.com/click-2275619-10296084
4. Any high powered car will bring big preimums. What you could do is buy a cheap car to run around in and insure it yourself for a couple of years. If you are accident free you will build up your ncb. This will help with your passion for driving a powerful car. If you still want to buy the big car your father could insure it and have you as a named driver however with you driving your own car too could bring the permiums down as the insurance is based on risk and seeing that you have your own car is good from their point of view as you wont be driving it all the time. Or bite the bullet and pay. Adrian flux is worth a try.