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New driver Insurance


Dizzy
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Its now 'driving' me mad.

 

It's that time where the youngster of the household has come up to the age of driving lessons and the inevitable car.

 

Well inevitable may not be the case at all it would seem.

 

Having spent time on various websites searching for insurance and typing in combinations of 'him'.... 'him and me'... him and dad'...'third party only' and every such combination I could think of the cheapest quote so far is..........

 

BETWEEN ?4000 and ?9000 :shock: ... That's on a 1 litre car worth no more than ?2000.

 

I now have NO IDEA at all as to how so many youngsters are driving on the roads these days :shock:

 

Any ideas how to get it lower :?

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I'm no expert but have you tried you or his dad as main driver and son as named driver? Shoot me down in flames if this is what you've already done. :cry::cry:

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I tried that Aps and even put that I had no other car.

 

Yes in my moment of despair I thought about getting rid of my beloved car :cry: and buying a 1 ltr baby car and putting him on as a named driver.

 

The insurance in my name with my 28 years of driving and NO ACCIDENTS with him on with a provisional licence was ?1300 and then went up to over ?4000 once he passes his test :shock:

 

We are doomed :cry:

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Moped?

 

Don't even go there Inky... I have spent over a year talking him out of one of those but you know what it is now seeming like the only option if he wants to become mobile himself. :shock:

 

I will do my very best not to have to give into that though.

 

It's bad enough being surrounded by idiots on the roads when you are in a big metal box let alone being balanced on a 30mph hairdryer with no protection :shock::oops::?

 

There goes my savings I guess :cry:

 

There must be a way otherwise how are so many other youngsters on the roads :?

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My Father told me that "That when I could afford a car, I could have one."

 

Is it really necessary that he has a car? What if you were not in a position to help him? He would have to use Shanks'.

 

Have you tried More>Than? I have just changed my house insurance to them as my previous one had almost doubled for no apparent reason.

 

Car Ins, for teenagers has been extortionate for years and doesn't go down until they are about 25? I think.

 

Pay for his bus pass instead, save you a fortune. :lol:

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Try googling cheap car insurance for young people, I know there are one or two who specialise in lower rates but can't remember who. As Wolfie said, there is a company which installs some kind of box in the car to monitor the young driver in return for a reduced premium.

 

You also need to be aware that if you put him on your insurance he won't be building up a no-claims bonus so when he has to insure himself he will start from zero.

 

Another way of reducing the premium is for him to do his Pass-plus which I think has to be done within 6 months of passing his test.

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Dizzy Good luck nightmares ahead, youngsters these days believe it is their right, been through it twice with my two.

 

You can get cheap insurance whilst learning to drive by searching for the provisional driver offers - sorry I can't remember which one we used - I think we went for 30 days.

 

Our daughter passed first time and I think we managed to stall for 6 months before she took over the old banger (worth about ?1.45) and now insured with Admiral for about ?800.

 

I think we used gocompare.com to find the best deal for her - the deal is that she pays all the bills & insurance, however the last time she gave me the car there was only enough petrol in the tank to get me to the garage :twisted: .

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Thanks everyone... I feel like I have been on insurance quote pages for my whole life now.... and still I get nowhere.

 

I will answer any comments that I have rather rudely not answered yet briefly in one post. Not being rude just losing the will to live now :cry:

 

A lot of them are in brand new cars with a couple of years free insurance.

 

Madness as there is no way I would let him have a new car just to get cheap insurance. Some parents must be soft or STUPID and the cost of a new car is astronomical and as I have never owned a brand new car neither will he :wink:

 

My Father told me that "That when I could afford a car, I could have one."

 

Is it really necessary that he has a car? What if you were not in a position to help him? He would have to use Shanks'.

 

 

Pay for his bus pass instead, save you a fortune

 

Well he's worked part time and over the years has saved his other money too money so he actually has enough to buy one of the 2 cars on offer at the moment out of his own money. Not desperate to buy one straight away but they come up every few months or so so it will only get worse now he is 'at that age'.

 

He wanted a moped for his 16th and despite all the other kids getting them I said no and stuck to my guns as I hate them. In a moment of madness I said I would even put some towards helping towards his first car insurance not realising at the time HOW MUCH they charge.

 

He doesn't need to be mobile every day but there are times when it could be handy for him and I would much prefer him to be driving his own car than being a passenger in someone elses :oops:

 

He has a bus pass but if he gets an apprenticeship or a job on his days off college as he has been doing then he will need to be more mobile and mum can't drive him everywhere and busses are naff if you aren't going to a set place every day.

 

Diz, just tell him to start saving up for the Insurance; that should delay his addition to road congestion for a while!

 

As above Obs as without transport he stands no chance of getting a job etc and I can't drive him everywhere. I feel another moped moment coming on followed by trips to A&E or worse :shock:

 

Diz, you can reduce the insurance if he can agree to zero tolerance for drink driving and restrict him to drive during certain hours.

Not come across any of those types of insurance yet but am still looking. Wonder how that would work then as the car would be on the public highway at all times as we have no driveway :? Worth looking into though :D

 

Try googling cheap car insurance for young people

 

You also need to be aware that if you put him on your insurance he won't be building up a no-claims bonus so when he has to insure himself he will start from zero.

 

Another way of reducing the premium is for him to do his Pass-plus which I think has to be done within 6 months of passing his test.

 

Thanks... I tried one who say they specialise in 17 year old new drivers who are student. Great I thought and their premium came back at just over ?9000 for a little Punto worth ?1000 :shock::cry: I'm sure that must be a mistake.

 

He will definately be doing his Pass Plus and also an Advanced Driving Course but they only seem to drop the premium by upto 10% but better than nothing eh.

 

As for putting him on our insurance that seems to be a no go area anyway as other half's car is an imported 3L 4x4 and even he struggles to get insurance for it

 

Mine is a 1.6L and I am going to ring my insurance company tomorrow just to see IF they will insure him as a named driver and if so how much.

 

I can see all this going pear shaped and me having to SELL MY CAR for a pittance (which despite it's age is bloody marvelous, drives like a dream, hasnpt got a spot of rust anywhere on it and has just sailed throught yet another MOT) and replace it with some crappy old little 1L box on wheels just so I can put him on as a named driver :cry::cry::cry::cry:

 

That was not a brief reply was it :oops::lol:

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at 21 I drove a 3.0 litre 4x4 Scorpio but I also went out with a girl who worked at Swinton insurance in town...... she got me a good deal for a few hundred quid a year with fully comp and a guaranteed no claims.... not just protected, this was guaranteed!! :lol:

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Dizzy Good luck nightmares ahead, youngsters these days believe it is their right, been through it twice with my two.

 

You can get cheap insurance whilst learning to drive by searching for the provisional driver offers - sorry I can't remember which one we used - I think we went for 30 days.

 

Our daughter passed first time and I think we managed to stall for 6 months before she took over the old banger (worth about ?1.45) and now insured with Admiral for about ?800.

 

I think we used gocompare.com to find the best deal for her - the deal is that she pays all the bills & insurance, however the last time she gave me the car there was only enough petrol in the tank to get me to the garage :twisted: .

 

Sorry Geoff... I thought I'd replied to yours too in my long post but must have deleted it or something so you get your own personal reply now :wink:

 

Been looking at provisional licence insurance as not so bad.. well not if you count ?1300 as not being so bad :shock:

 

Like you say you can get provisional insurance monthly and best ones I found was around ?130 - ?150 a month but take into effect that that was on a 1 L car which he would have to buy and also that I recon it would take 4 - 5 months to pass a driving test and insurance alone monthly upto that point would have already cost well over ?600 and then problem is I look further down the line too so I compared the same car and insurance as if he had then passed his test and it then shot up to well over ?4000 for the year.

 

He's been asking around and it seems most are insured with Admiral on group insurance family car schemes but with parents and kids sharing one of the cars.

 

Just reied then and we can't even get a group quote from them as one of ours is imported so yet again we find ourselves wondering if we should get rid of the 4x4 car which owes us nothing and runs like a dream too which we would also get a mere pittance for if we sold it and then we'd have to sell the caravan too.. YIPPEE NOW THERE'S A PLUS :lol:

 

Sods law eh :roll::wink:

 

Of course there is always the other option of a road legal quad bike... half way between a motorbike and a car I suppose .. wonder what the insurance is on those :D

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I don't think we looked at insurance for our son until he had passed his test and he was covered by the driving school for his lessons in the instructor's car. I know they reckon they should be practising but we probably found it was too expensive.

 

Have you tried the insurance broker on Walton Road in Stockton Heath or the one on the Causeway next to Kwikfit? sometimes it helps to go in and talk to someone face to face.

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Good thinking I will do that.

 

I phoned my insurance today (More than) to see how much to put him on mine while he's on a provisional licence only..... they wont insure ANY drivers on any car until they are 18 regardless of provisional or full licence

 

BUT.. I have made some headway as I've found a company who ONLY insures learners and they quote ?104 a month on a corsa and odly enough they can and will insure him to drive my 1.6 car for the same amount and if he bumps mine it wont affect my insurance in the slightest. Not sure how that works but not too bad I suppose.

 

I guess the real ?'s difficulty will be when he passes his test so here's hoping he is a very very slow learner :wink:

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Interesting thing on the news this morning where they said that the european courts have ruled that charging young male drivers up to four times that of the equivalent female amounts to sex discrimination.

 

As a result they say insurance premiums for women have to increase which I assume means the cost to the young male driver must reduce accordingly.???? :roll:

 

Bill :)

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Bill dream on it is almost certain that insurance companies will increase

rates for women.

 

I wonder if there is discrimination against age when including age as a risk consideration?

 

Logically this has the same impact as assessing men and women as equal.

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