Best way too get insurance for a young driver.

Fat Lamb · Jan 23, 2024

My boy turned 17 end of august, past his test 2 weeks ago. He has a 53 plate landrover defender td5. He is down as main driver with me and other half as additional drivers. £197 for me and the Mrs. £1372.40 to put lad on as main driver.Been told by insurers that he will have 30% no claims bonus/discount after a year if he keeps his nose clean. This is with NFU.

Wiltshire-Lad · Jan 23, 2024

My daughter turned 17 in Sep 22, provisional insurance on a Peugeot 107 was £250. Passed her test a month later, insurance went up to £800 with Tesco Box insurance. Has a black box, but no curfews. You get bonus miles for ”good“ driving. Renewed in Oct 23, £420 a year. My wife and I are both named on the policy, 6000 miles a year.

People seem to think that because they bought a car that’s cheap the insurance will be low. It doesn’t work like that, most of the risk is third party, so you need a slow/small engined car.

Rnold · Jan 23, 2024

Fendt65 said:
Black box is ok until you borrow the car we found out

The black box in my sons car informed the insurance company when he hit a pot hole one night and they rang him to see if everything was alright. The night he went through a hedgerow ,nothing.

michael N123 · Jan 23, 2024

Have you tried insuring the car yourself on an any driver policy ?

Derrick Hughes · Jan 23, 2024

Jsmith2211 said:
I was always told they arent the cheapest but they will pay out

They dont very often insure young drivers and if they do its a colassal, £1800 do add my son tp an A3, driver of 3 years with no claims to his name
He can insure himeself for less with other firms

kiwi pom · Jan 23, 2024

Just curious, is everyone paying their kids insurance for them and buying the car for that matter? They might alter how they get about if they have to pay?
Are cars really necessary for 17-20 year old and can you add them as an occasional driver to existing vehicles?

michael N123 · Jan 23, 2024

kiwi pom said:
Just curious, is everyone paying their kids insurance for them and buying the car for that matter? They might alter how they get about if they have to pay?
Are cars really necessary for 17-20 year old and can you add them as an occasional driver to existing vehicles?

My car never stopped when I was 17-20 ratching about

Badshot · Jan 23, 2024

Adrian flux is the best young driver insurance broker.
Add a black box , which if driven within the speed limits will cut the insurance by half after 1 year.
Citroen c1 was about £1k, 56 plate 1.2 fiesta was closer to £2k.
The car makes a huge difference.

kiwi pom · Jan 23, 2024

michael N123 said:
My car never stopped when I was 17-20 ratching about

I gained a lot of range when I was 16 and got my DT50 MX

Keen to pass my car test at 17 but limited funds for a car and insurance meant I stayed on the bike a while longer.
First car was a Metro City

I think the bike was cooler

Blue. · Jan 23, 2024

kiwi pom said:
Just curious, is everyone paying their kids insurance for them and buying the car for that matter? They might alter how they get about if they have to pay?
Are cars really necessary for 17-20 year old and can you add them as an occasional driver to existing vehicles?

My eldest is 15 and I told her last week she needs to save £4K for her car,test and insurance,I’ve bought every car I’ve ever owned and I’m not starting buying any buggers else’s.

Wife’s cousins 1st car was a £15k Fiesta ST,he wrapped it within a month

(He has married a multimillionaire’s granddaughter so he’s sorted now)

my 1st car cost £400 and despite regular becoming airborne was only scrapped when it started leaking in on the rear seats,my passengers didn’t appreciate sitting on fert bags.

Adding younger drivers on our policy would cost to much and they can crash their own car not mine.

upnortheast · Jan 23, 2024

kiwi pom said:
Just curious, is everyone paying their kids insurance for them and buying the car for that matter? They might alter how they get about if they have to pay?
Are cars really necessary for 17-20 year old and can you add them as an occasional driver to existing vehicles?

Grandson 17 next month. Relief milking for neighbour as well as regular work as he has worked out how much motoring is going to cost him .
Where we live having a car is freedom. relying on friends / parents / grandparents is not ideal.

Jasper · Jan 23, 2024

We made our kids suck it up the sooner they get it in there own names the better or the premiums never come down .If I drag them out of bed every morning they can soon earn the money to pay there own way

possumbility · Jan 23, 2024

my 17 year old grandson has just bought a 2 litre jaguar XE, god knows what his insurance is.

Simon Chiles · Jan 23, 2024

possumbility said:
my 17 year old grandson has just bought a 2 litre jaguar XE, god knows what his insurance is.

It’s probably a lot cheaper than you think. It’s all down to statistics, I’d suspect that the accident stats for 17year olds with a Jag XE are low.
When my kids were starting driving cheap cars didn’t mean cheap insurance, if they have the type of car that is a typical ‘pimp my ride’ vehicle the premium shoots up.
My son’s insurance dropped dramatically when he went from a second hand Peugeot 205 to a new Golf.
One of my other sons was trying to insure his Fiat Punto, as I was really busy I asked my Mum to try and sort it out for him. One of the quotes was for £15k, he came back and said Grandma swore at the man.

ollie989898 · Jan 24, 2024

I don't think it is just based on engine size. Much depends on the safety of the vehicle, how many occupants and how steal-able they are.

£4000 is just a joke and they clearly don't want the business for that.

I think would just lump it and go multicar if it was me, even better if you can put it through the business?

It is worth searching around, sometimes larger or more unusual cars are cheaper to insure. The usual 1.0 rattle magnets will have been binned into hedges a million times which makes insurers edgy?

kiwi pom · Jan 24, 2024

upnortheast said:
Grandson 17 next month. Relief milking for neighbour as well as regular work as he has worked out how much motoring is going to cost him .
Where we live having a car is freedom. relying on friends / parents / grandparents is not ideal.

Don't need a car for freedom but good on him for saving up.
My parents bought me some driving lessons for my 17th birthday, bought the rest myself,
Can drive at 16 here so boy child only 4 and half years away

He can buy his own car mind.

Kiwi Pete · Jan 24, 2024

Magnus Oyke said:
Have you tried a different car?

Remember when girls used to enjoy lower insurance premiums because they crashed less often and with less severity? Well, they all went around stamping their feet, demanding equality because men had it so easy, so insurers weren't allowed to load premiums based on gender back when we only had 2 genders. So now the girls pay the same as the boys, so suck it up buttercup

That's the rub. - the OP is insuring a turbocharged vehicle for a new driver.

Not all turbocharged motorcars make several hundred hp but it's more "fair" to put them in a higher premium bracket, the house always wins

Will 1594 · Jan 24, 2024

yoki said:
We found with both of ours that we just had to suck it up for the first year.

The crucial bit is to make sure the wee rascals don't have an accident during that first year as having even one year of clean driving under their belt made a colossal difference.

So just bend over!

And newer the car better the rates ,
boy had a diesel polo Old type , swapped it for audi a3 Diesel quattro thing insurance wemt up £10 a month ,to do with safety ratings

Magnus Oyke · Jan 24, 2024

Kiwi Pete said:
That's the rub. - the OP is insuring a turbocharged vehicle for a new driver.

Not all turbocharged motorcars make several hundred hp but it's more "fair" to put them in a higher premium bracket, the house always wins

No, it's because lots of young people buy Fiesta's and they end up upside down in a ditch, so Fiesta's get their premiums loaded. IIRC, Pruis's are expensive to insure, because they end up in the more vibrant areas of town, as taxi's, driven by people who English isn't their first laungage and got their driving license in a cornflakes packet. My Jazz isn't cheap to insire because their largly driven by coffin dodgers who bump into things

nelson · Jan 24, 2024

be careful insuring through the business a lad at the local collage has just had three points and a fine for using a car to go to collage which is not business related. but i think he was beening a bit of a dick with the car around town

Best way too get insurance for a young driver.

Member

Member

Member

Member

Member

Member

Member

Member

Member

Member

Member

Member

Member

DD Moderator

Member

Member

Member

Member

Member

Member

0 %

Up to 25%

25-50%

50-75%

75-100%

100% I’ve had enough of farming!

Share this page