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Mary-Jane

Car insurance for 17 year olds...any suggestions?

Jack is now having driving lessons (I'm sure he's still only 4 years old - where did the time go to? Shocked ) and we're now looking at cars...and the dreaded insurance.

Has anyone got any recent thoughts or experience of insuring cars for 17 years olds - or heard of any good deals?
bibbster

The best deal we got, for my daughter, was through Norwich Union, which is not on any of the comparison websites.
The other alternative, which we are looking at for my own 17 yr old son is
http://www.provisionalmarmalade.co.uk/?gclid=CNO-q4Co-q4CFQITfAodK2pRyA.

this if for provisional drivers only, and does not affect your own insurance re no claims etc.

Also, the car makes a huge difference...don't assume that the smaller the car is, the cheaper the insurance will be... we had a Skoda Fabia, and found it was considerably cheaper to insure than say a Fiesta, or Nissan Micra etc.
dpack

start saving

from what i was told about 2 k a year

having a black box thingy can get a discount and makes for safer driving cos it records speeds and locations and times ,iirc there is discount for not driving at night and taking advanced driving lessons

option 2 is join the army and bring the truck home Laughing
JB

... or buy him a bicycle Very Happy
Hairyloon

A chap on another forum said he'd got together with some mates and got insurance collectively as a mutual.
Said they saved a fortune, but was not forthcoming with any details on how to actually do it...
ninat

Money saving expert wesite is good. Have yourself on as a second named driver. Consider insurance which uses one of those monitoring boxes- the better the car is driven, the lower the premiums.
http://www.moneysavingexpert.com/insurance/car-insurance-young-drivers
Cathryn

Can you pick up any lecturing work of a weekend and evening?

Check the insurance before he falls in love with a particular car. It does make a difference.

Doing passplus used to and it was free to do in Wales. I am two years out of date on this though. His driving instructor will be able to advise him.
Rob R

Don't bother, unless you're very rich & prepared not to be, is my advice. I didn't & just used hire cars if I needed to go far, or car-shared with mum if I didn't.
Mary-Jane

Can you pick up any lecturing work of a weekend and evening?


Confused Errrr...why? My current working week, including travelling, is 7am to 7pm daily. Why would I want to work at night and weekends as well?
vegplot

Can you pick up any lecturing work of a weekend and evening?


Confused Errrr...why? My current working week, including travelling, is 7am to 7pm daily. Why would I want to work at night and weekends as well?

Jack's car insurance.
Pilsbury

Can you pick up any lecturing work of a weekend and evening?

Confused Errrr...why? My current working week, including travelling, is 7am to 7pm daily. Why would I want to work at night and weekends as well?

To be able to afford insurance for a 17 year old.......
joanne

I got a quote for Sam on my car and it was so horrendous I had to sit down - my insurance on my own is about 350 a year, add in Sam and it went upto nearly 3K, there is no way we can afford that at the moment Pilsbury

Actually we all know how bad it is, my insurance is 1000 a year for 38yo, employed, married with children in my area so its no wonder so many younger drivers drive uninsured is It? No excuse but simple fact these days. sgt.colon

Indeed Pilsbury and it's not right when ones insurance probably costs more than what the car is you buy. dpack

maybe a big spike in the middle of the steering wheel and a trunk monkey would avoid the need of insurance sgt.colon

Laughing Laughing Pilsbury

Mine already is almost, its certainly more than they would pay out if it was written off and even though I am fully comp with over 10 years no claims it just keeps going up every year.

The son of One of the guys I work with passed his test and it was 2.5k for a vauxhall astra. This year they are taking out daily policy at 50 a day when they need to use it.
sgt.colon

I'm the same as you Pilsbury. Keeps going up every year. I've got quote off the comparison sites though that are c200 cheaper so I'm going to switch. I think if you stay with an insurance company they extract the urine.

It makes you wonder how much it would cost to buy a really old banger. Plonk it on your drive but not drive it and just leave it there to help build one years no claims.
JB

I'm the same as you Pilsbury. Keeps going up every year. I've got quote off the comparison sites though that are c200 cheaper so I'm going to switch. I think if you stay with an insurance company they extract the urine.

No need to even go to the hassle of moving. Just go to a quote site, get a new quote and then phone up your insurer and say that you've got a comparative quote from whoever for whatever and almost always they will suddenly be able to match it.
JB

Indeed Pilsbury and it's not right when ones insurance probably costs more than what the car is you buy.

The problem is not the cost of what you drive but the cost of what you might hit.
Pilsbury

I'm the same as you Pilsbury. Keeps going up every year. I've got quote off the comparison sites though that are c200 cheaper so I'm going to switch. I think if you stay with an insurance company they extract the urines.

My renewal quote was 2450, the 1000 is through a comparison site lol.
sgt.colon

Quote:
No need to even go to the hassle of moving. Just go to a quote site, get a new quote and then phone up your insurer and say that you've got a comparative quote from whoever for whatever and almost always they will suddenly be able to match it.


Nice one JB. I'd not thought of doing that. Laughing

Quote:
The problem is not the cost of what you drive but the cost of what you might hit.


Oh yeah, that's a fair point.

Quote:
My renewal quote was 2450, the 1000 is through a comparison site lol.


Bloody hell (excuse my French) what are you driving, Pilsbury?
vegplot


Bloody hell (excuse my French) what are you driving, Pilsbury?

or what his insurers think he's going to hit.
Rob R

I heard on the radio the other day about how some insurance companies just won't insure anyone in certain postcodes, as company policy, so I guess that distorts the market too. Pilsbury

I'm driving nick's old 02 plate Ford focus estate. In dagenham where the old Ford plant is lol. I have had companies refuse to quote me for motorbike on my postcode as well. sgt.colon

I take it then that car crime is rife in Dagenham then? Rob R

It wasn't just down to crime rates but things like the number of people who had claimed for whiplash in that specific postcode. sgt.colon

Ah I see.

I know people are angry because they have been injured but surely this "lets sue em" attitude people have these days only hurt themselves and others as we all end up paying for it. Not the insurance companies.
dpack

maybe a t72 with no papers and a full mag is the way forward for the motorist

mad max here we come Laughing
anoia

We have just got insurance for J using these people - much cheaper than adding him to the normal insurance. I think it is a similar idea to the provisional marmalade lot.
http://www.coveredlearnerdriver.com/
carolyn

We've shopped around everywhere, just beware that you may get offered a good price whilst they are a provisional licence holder and then they hike the price up as soon as they pass.

Our son turned 17 in November, passed his test in January and is paying a ridiculous amount for car insurance - much more than the value of his car!!!!

The best deals we could find were with FUW and NFU
Hairyloon

A chap on another forum said he'd got together with some mates and got insurance collectively as a mutual.
Said they saved a fortune, but was not forthcoming with any details on how to actually do it...
I'm going to say that again because I think it is worth looking into.

Alternatively, I did read (somewhere reasonably convincing) that it is not actually compulsory to have motor insurance, provided that you have 1/2million on deposit, ring-fenced in case of an accident.

Don't know how that works for buying road tax, or not triggering the police computers.
Rusticwood

The reason the price goes up after they pass is they no longer have to have an experienced driver sitting next to them welsh veg grower

just sorting out our daughters first insurance aged 21 she didnt pass her test until last year and since then hasnt needed a car she is doing her pass plus this week (its almost free in wales you have to pay 20) the insurers I spoke to say it makes very little differnce.

The guy in the NFU office told me that its not about the type or size of car but the risk in your area. he explained it by saying the more claims for a type / make of car in an area the higher the risk for that car in your area. Therefore the higher the cost. I was looking at getting her a nissan micra or a fiesta and he suggested I'd be be better going for a skoda or a fiat as most of the youngsters in our area dont drive that type of car but go for fiestas and micras therefore you guessed it our TDI skoda came out cheaper than a 1.1 fiesta mad or what.

The same guy also suggested if she isnt driving it much to get a policy in my name or hubbies name and her as a named driver and a policy that allows her to build a no claims as a named driver. he also said I should then take a multicar policy 9as i would still have another car) which would also drop it down as I cant drive both cars at once even if she is a named driver on the 2nd car.

anyway hope that helps its just what i have found in rural west wales for a 21 year old girl by the way the cheapest quote I have had for her as a named driver with me on our skoda was 900 a nisan micra for her on her own would be nearly 2k.
carolyn

I appreciate the reason why the premium will go up as soon as they pass but just warning people as I know a few that end up doubling the price of their premium and in the long run end up paying an absolute ridiculous amount on insurance carolyn

[quote="welsh veg grower:1231556"]
The same guy also suggested if she isnt driving it much to get a policy in my name or hubbies name and her as a named driver and a policy that allows her to build a no claims as a named driver.

I would be careful with this one, I've been told by many companies that if they go down as a named driver on your policy that it doesn't count at all towards their no claims in the future. To be honest these insurance companies have got us and if our kids want to drive they have to pay unrealistic amounts
Treacodactyl

It depends on the company, I know some do allow named drivers to build up NCD although I expect you'd have to take out the new policy with them at least to start with.

Also don't forget that if the policy has the parent the main driver and the child is just a named driver the parent must to most of the driving, otherwise the insurance may not pay out which is understandable.
john of wessex

Having seen how the numties in Saxo's drive round our way, I dont understand how many of them get cover.

Theproblem as far as I understand it is that there are fewer young drivers as a % of the under 21 age group BUT their accident rate is getting worse. (Or Terminal Stupidity rate is much higher)
oldish chris

Is it worth noting that the reason insurance is so expensive is the very high probability that a youngster will be in an accident (and may get hurt). Mary-Jane

Alternatively, I did read (somewhere reasonably convincing) that it is not actually compulsory to have motor insurance, provided that you have 1/2million on deposit, ring-fenced in case of an accident.
You cannot get a tax disc without car insurance.
Rob R

Alternatively, I did read (somewhere reasonably convincing) that it is not actually compulsory to have motor insurance, provided that you have 1/2million on deposit, ring-fenced in case of an accident.
You cannot get a tax disc without car insurance.

Tax discs last for up to a year though, you can get car insurance for just a day.
Mary-Jane

Alternatively, I did read (somewhere reasonably convincing) that it is not actually compulsory to have motor insurance, provided that you have 1/2million on deposit, ring-fenced in case of an accident.
You cannot get a tax disc without car insurance.

Tax discs last for up to a year though, you can get car insurance for just a day.

True. I hadn't thought of that.
Rob R

Obviously not got a criminal mind... Laughing wipka84

If you're looking to buy the car, pick one in a lower insurance group. Autotrader also list the insurance group in the vehicle spec/performance tab/extra info area where they supply stock information about a particular make/model/year.

The car they're driving could make a huge difference.

Car Insurance Group Cars 1 - 4

The following cars are in the lower insurance groups and you should get cheap online car insurance as a result:

Fiat Panda, Punto
Citroen C1,C2
Ford KA, Fiesta
Peugeot 107, 206, 207
Vauxhall Meriva, Corsa
Toyota Aygo, Yaris
Renault Clio
VW Fox, Polo
Skoda Fabia, Felicia

Car Insurance Group Cars 4 - 7

The following cars are in the small family car bracket:

Nissan Almera
Citroen C3,C4
Ford Focus
Peugeot 307
Vauxhall Astra
Toyota Corolla
Renault Meganne
VW Golf

Car Insurance Group Cars 8 - 12

The following cars are in the small family car bracket:

Nissan Primera
Citroen C5
Ford Mondeo
Peugeot 407
Vauxhall Vectra
Toyota Avensis
Renault Laguna
VW Passat

The Highest group cars (groups 16-20), fall into the prestige car category and include all the usual names:

Audi, BMW, Mercedes, Lexus, Volvo, Jaguar, Porche, Ferrari etc.
Hairyloon

Alternatively, I did read (somewhere reasonably convincing) that it is not actually compulsory to have motor insurance, provided that you have 1/2million on deposit, ring-fenced in case of an accident.
You cannot get a tax disc without car insurance.
Is what I thought, but I also thought insurance was obligatory as did everybody I know.
If we were wrong about one, then we may be wrong about the other.
Rob R

It is illegal for a car to be on the public highway without a valid tax disc, though. Mary-Jane


The Highest group cars (groups 16-20), fall into the prestige car category and include all the usual names:

Audi, BMW, Mercedes, Lexus, Volvo, Jaguar, Porche, Ferrari etc.

Dammit - and there was I thinking that I might buy one of those for Jack (aged 17) Laughing

Thanks for the rest of the info about the car insurance groups though - that was very helpful Very Happy
joanne

That was helpful about the insurance groups - I may be in a better position to buy Sam a car next year, so knowing what is a cheaper insurance risk is handy Hairyloon

The vehicle of choice when I was at skool was one of these.
I expect the insurance on them is still relatively cheap...
dpack

Laughing

and minors can drive em iirc
AnneL

Try Collingwood for insurance for Learners. You can insure with them as an add-on for your car or for juniors own vehicle. We paid 240 for 84 days on sons car. You have to cancel when they pass and it doesn't count towards no claims.

After passing try comparison sites Sabre came out cheapest for our son, we had loads of quotes from the most expensive of 5950 from Aviva , CoverBox was 4070 and the best I could find was just over 3000. I spent a whole afternoon trying to get insurance sorted. We were advised to add both parents onto policy to bring price down a bit.

I tried to add other son to my Fiesta 5 years ago and was quoted an extra 2000 so it made 3000 for his own car seem reasonable.

I guess it depends if Jack really needs to drive now, it might be worth waiting till he's older and judged to be less of a risk .
Also some companys won't quote for a 17 year old e.g.Tesco which is meant to be good for young drivers
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