Right I've got my driving test tomorrow so all being well ill be ringing up places tomorrow trying to get cover. but when you take out a new policy do you have to pay a sizeable lump some there and then or can you spread it evenly over the 12months? i was talking to my sister about it today and she says her last payment before her renewal is bigger than her other 11. I'm confused, because if i have to pay a large 1st payment i wont be able to afford it :(

Any clarification is much appreciated :)

most companies will let you pay in installments, but you will need to pay more if you do it like that, with a pretty high APR.

Its never too much i think i paid £68 and my insurance is a bit under £700

Also i recommend moneysupermarket.com that gives you loads of quotes from 100s of company's and tells you what lump some each want and how much a month you will be paying.

Edited 13 March, 200917 yr by EthanMk4

Direct Line let me pay instalments for the same price (i.e. with no apr), just be a bit pushy!! Also, all 12 payments are the same.

i pay a fixed amount to begin with (10%) and then the rest is divided by 11 and thats what i pay for the rest of the year.

just pay it all at same time thats what i do so i dont have to be thinking abot paying each month

^^ Not so easy for first time drivers..

With most companies, if you pay in installments you have to pay the first 2 months at once as a deposit, but not all companies charge APR for paying monthly..