Insuring young drivers

[Justme]

Most don't do under 21 or even 25 with the Free insurance.....

Plus most wont give you the NCB for the years you have included insurance.

 

[Wendelspanswick]

My Son has just been through this pain, one tip we found was to avoid common first time driver cars (Clio, Polo, Golf, 105 etc.) as these have a high instance of accidents with young drivers and go for the more obscure cars.
My Son knocked about £500 off his best quote by going for a Mazda instead of a Golf.

 

[Agrismith]

I know it isnt cool by any means but look at a single cab 2wd pickup truck i had one at 17 and it was so cheap to insure look for anything that is unpopular among that age group as the insurance companys statistics will say that the amout of teenagers that crash them is very low so an older volvo estate might work or anything that is really uncool that they wouldn't want to be seen dead in also only having 2 seats helped bring the price down

 

[winchman]

Try Adrian flux......

I did she was helpful but told me cheapest was £12000! its not really there bag but two years ago it was only £1600 for our daughter with them?
Best prices at the moment are with both of us on it and fully comp £3000!

 

[winchman]

I know it isnt cool by any means but look at a single cab 2wd pickup truck i had one at 17 and it was so cheap to insure look for anything that is unpopular among that age group as the insurance companys statistics will say that the amout of teenagers that crash them is very low so an older volvo estate might work or anything that is really uncool that they wouldn't want to be seen dead in also only having 2 seats helped bring the price down

Thanks he is currently looking

 

[armalites]

I have seen this exact thread on another forum and it's refreshing to see none of the "I wouldn't let mine drive an old car, a new Citreon C1 is good value and cheap insurance"

The thing that seems to have changed in this generation is all you parents sorting this out for your kids, my cousin was talking to some friends when their daughter came of age, the friend said "How was the insurance sorted when you passed your test?" he replied "I sorted it myself" friend replied "Well their's your answer"

My two will have to get out and earn some money if they want insurance in a few years time, it does seem that you really need to do the leg work and I think there are blips as I seen people getting new drivers getting insured for £1200-1300.

I think the internet has made us lazy and we assume that the quote sites will get you the best deal, when I first got mine in the 80s you sat down with the yellow pages and rang every single insurance broker.

 

[keithski122]

My first car was a mini pick up(shows how long ago that was) and I found it was harder to get insurance due to having to have commercial insurance.

 

[slim_boy_fat]

I have a suspicion that Insce Companies quote these high figures to make prospective policyholders go away.....

 

[pedrobedro]

cost me £995 to buy it off the lot and about £700 to insure it TPFT.

When my daughter was learning to drive it was dearer to insure third party than it was fully comp, how does that work ? You are probably at higher risk of theft in your new address, that's their main concern.

 

[Johnseat]

Another cheap vehicle to insure is an astra van on such as an 02 plate ect...

 

[the artfull-codger]

You could allways move to australia, daughter lives in perth w a,every car is taxed & insured by the government, you all pay the same, trailers also have their own number plates[not the same as your car] if you want fully comp you have to pay to an insurance company yourself otherwise it's 3rd party with the government & theres no mot either, sure makes buying & selling cars easier.

 

[Migmac]

Heck I heard of someone's loon who ended up driving a classic tractor to work as it was 3 or 4 miles and it was dirt cheap to insure...creative thinking...and the cheapest he was quoted was £4K to insure a car.

My first car was an 11 year old peugeot 205 1.4 XR, car I've owned the longest thus far (about 4 or 5 years), cost me £995 to buy it off the lot and about £700 to insure it TPFT.

One of the members of a car forum I used, went from a 1.0 corsa to a 2.0T Vectra C at 21 and his premiums went down...according to the insurance it was because no one his age had one, so the risk weighting was lower...

Now I'm paying £300-£400 at 34 to insure my saab with a pile of mods declared (oddly the brake upgrade is the one that pushed it up the most)
I moved off a main road with trucks shooting by 4 a minute, onto a quiet housing estate and my premiums went up....seemingly as car ownership in my new street is about 2 cars a house rather than 10 cars for the whole street, and most of the cars in my new street are worth more than the entire street worth of cars in the last street...so insurance seemingly view the possibility of a claim as higher...go figure...

I watched a programme recently where kids in some part of Scandinavia got to drive tractor like things as their first car, single seaters and not very fast. Ideal I think, maybe his grampa will give him his Fordson!

 

[rtbcomp]

I... an older volvo estate might work ...

Volvo 240s are actually increasing in value so could be a good investment too.

When my daughter was learning to drive it was dearer to insure third party than it was fully comp, how does that work ?...

That happened to me a couple of years ago.

 

[Hood]

When my daughter was learning to drive it was dearer to insure third party than it was fully comp, how does that work ?

Same for me, wanted £190 for TPFT for my Legacy 3.0 Spec B or £145 for fully comp business use

 

[ukracer]

I did she was helpful but told me cheapest was £12000! its not really there bag but two years ago it was only £1600 for our daughter with them?
Best prices at the moment are with both of us on it and fully comp £3000!

Weird...as you say they did do good deals on young drivers. They have switched towards modified cars now....knowing most of the modified drivers look after them.

 

[8ob]

When my daughter was learning to drive it was dearer to insure third party than it was fully comp, .

There`s another can of worms, a friend of mine insured his car to include the spotty one while learning to drive. The spotty one passed his test and the insurers backed out of insuring the car with him as a named driver, they were happy to insure him while under instruction but never had a policy available for when qualified. My friend had to cough up the extra initially and then find a company to insure the lad when he had passed, worth checking.

Bob

 

[ukracer]

There`s another can of worms, a friend of mine insured his car to include the spotty one while learning to drive. The spotty one passed his test and the insurers backed out of insuring the car with him as a named driver, they were happy to insure him while under instruction but never had a policy available for when qualified. My friend had to cough up the extra initially and then find a company to insure the lad when he had passed, worth checking.

Bob

That's normal....my sons first car was a 1.6 corsair. Quite cheap to insure as soon as he passed his test it went through the roof.

 

[tinker jim]

Try sky insurance.went through this three months ago with 17 year old son and they were the only ones entertaining him at a reasonable price 2079 for Toyota starlet 1.3 sr black box fitted within seven days 6000 miles per annum no kerfew. Funnily his friend passed weeks later and independently got funnelled to sky and guess what his premium was 2079 for 57 plate corsage 1.2. Coincidence I don't think......

 

[octo0072000]

Son has his Driving test tomorrow!
Insurance quotes are about £5000! any recommendations?
Its a 52 plate Diesel Polo, I have looked at swapping it for a Yaris as its a low insurance group but its the same cost.
Cheapest Quote is £3600 with a box and Curfews no driving between 23.00-05.00.
Any thoughts on these that give you a new car with insurance for £X a month?

most of them are over 21 or 25 too many crashes also too much small print merseyside is high risk area some companies won't quote you want a sub 1.0 litre engine or an old land rover might be a cheaper quote

 

[octo0072000]

just had to change my co due to insuring a car with a value of less than a £1000 renewal came round sorry cant insure you because insurance co changed it's guidelines
my all accounts lots of staged crashes using lower priced cars so insurance got stung so make sure you value a car more than a £1000