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    • jstallan
    • By jstallan 19th Dec 16, 7:17 PM
    • 312 Posts
    • 103 Thanks
    jstallan
    Daughter passed her test today. I'd purchased a car a few months back and she'd been getting some extra practice in that. Cancelled that insurance (terms of the policy) and took out a policy with Ingenie for £1084. She's 17 .

    Looked on the web for reviews about Ingenie prior to purchase - some good a few bad.
    • PW333
    • By PW333 4th Jan 17, 3:04 PM
    • 20 Posts
    • 6 Thanks
    PW333
    best websites for me:

    directline
    moneysupermarket
    • MGolden
    • By MGolden 5th Jan 17, 3:02 PM
    • 29 Posts
    • 21 Thanks
    MGolden
    My 18yo son passed his test on 30/12/16. We have been doing daily searches since then with prices ranging from £4K (without a black box) to £2K (with a black box) for a car that is actually little more powerful than a hairdryer.
    Today a policy popped up for £1100. Its with Hastings Direct and includes a black box which means both my husband and myself will have to drive more carefully which isn't really a problem.
    • Dfountain
    • By Dfountain 7th Jan 17, 2:13 PM
    • 2 Posts
    • 0 Thanks
    Dfountain
    Hi
    I was wondering if I could get some advice.
    My daughter recently (3 weeks ago) took out her first car insurance with a company called Fresh/ Autosaint.
    Yesterday, having received a text she was having her policy cancelled because a DD wasn't collected (we still don't know why) and she had not sent them her Driving Licence check code we rang them to ask why.
    They then said that my daughter had entered the wrong DOB 2000 instead of 1999, which she hadn't, it was going to add £364 to her premium.
    When we said we will cancel they told us it would cost us £538 to do so. £330 deposit we paid up front and £208 in admin fees. Bearing in mind she has only been insured with this company for 3 weeks.
    Is there anyway we can bring this loss down?.
    If I cancel my policy it costs a £60 admin fee how can this be legal?
    • rudekid48
    • By rudekid48 7th Jan 17, 3:42 PM
    • 1,964 Posts
    • 3,429 Thanks
    rudekid48
    Have Autosaint fitted the black box yet? If so, this is why your charges are higher as they will have paid for the tech.
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • Dfountain
    • By Dfountain 7th Jan 17, 4:48 PM
    • 2 Posts
    • 0 Thanks
    Dfountain
    Yes they have. Just seems so excessive
    • forgotmyname
    • By forgotmyname 7th Jan 17, 8:52 PM
    • 25,112 Posts
    • 9,967 Thanks
    forgotmyname
    The companies at the cheaper end of the market tend to have higher admin fees.

    It works if you do not need to make changes because you dont pay any extra fees. But with the choice of the cheaper insurers you run the risk that any changes can be costly.

    Same with my daughter her insurer is not one you would choose if you had the choice, but for young drivers its usually down to the price. Low price overrules low quality customer service.

    The black box can bump up the fees though, i made sure not to choose a policy with a black box.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • anna-marie
    • By anna-marie 5th Mar 17, 8:20 AM
    • 68 Posts
    • 227 Thanks
    anna-marie
    Teen Car Insurance
    Had a quote of £1,200 (with telematics) from Tesco for my 18 yr old driving a new corsa. Do you think anyone else will do it cheaper or should I go for this one?
    • GeoffJ
    • By GeoffJ 5th Mar 17, 12:59 PM
    • 5 Posts
    • 4 Thanks
    GeoffJ
    Teen car insurance
    My son's first policy in 2015 with Hastings Direct was £969 - no black box; 1300 cc enging. He then passed the Pass Plus course and got a refund. Sadly, he then wrote the car off through no fault of his own when, on a dark road at night, he trampled over a strip of metal in the road (used by vehicles en-route to the skip). The metal (a spring) flipped up, hit the side panel where the curtain air bag sensor was, and blew the curtain air bags. The car had a slight chip on the outside but nothing else was wrong. well, it was because the repair would cost as much as the car was worth. Hastings were brilliant and within a day of an assessor viewing the car it was off to the breakers and my son had the full market value cheque in his hand. He then insured the replacement and, as it now had a 1500 cc engine, and he had written one car off we expected a jump in the insurance. It barely moved upwards. Also, bear in mind that once the learner passes, he/she has to tell the insurer and the price goes up as he/she is now on their own and the risk is greater. I recommend the Pass Plus course. Oh, just to be clear, I don't work for Hasting Direct or have anything to do with them. In my view, insurers sit alongside estate agents and solicitors in the money grabbing tables - but that has not been my experience with Hastings and, come renewal, my son will go through the exact process that MSE advocates to get a good deal. It has worked twice so far.
    • koru
    • By koru 7th Mar 17, 5:44 PM
    • 1,233 Posts
    • 620 Thanks
    koru
    Had a quote of £1,200 (with telematics) from Tesco for my 18 yr old driving a new corsa. Do you think anyone else will do it cheaper or should I go for this one?
    Originally posted by anna-marie
    I got similar cover for £200-300 less, but perhaps I live in an area they judge safer or there's another risk factor that explains the difference.
    Last edited by koru; 07-03-2017 at 5:49 PM. Reason: better phrasing
    koru
    • alxx_b
    • By alxx_b 27th Mar 17, 4:55 PM
    • 19 Posts
    • 4 Thanks
    alxx_b
    Well I give up - 18yo daughter has passed her test, has a little crappy car and wants to be able to drive around and get experience but can't get insurance under £2,000.

    The insurance people say she will get a better rate when she has been passed for a year or more, as she is marked as an inexperienced driver right now, but how is she meant to get any experience when she cannot afford to insure a car?

    I'm going round in circles - the telematics policies won't touch her car because it's over 15 years old, we cannot afford £250 per month for insurance, even putting her on my current policy with Hastings would push it up from £250 to £2,700 per annum!
    Debt Free Wannabee
    • koru
    • By koru 9th Apr 17, 2:02 PM
    • 1,233 Posts
    • 620 Thanks
    koru
    The insurance people say she will get a better rate when she has been passed for a year or more, as she is marked as an inexperienced driver right now, but how is she meant to get any experience when she cannot afford to insure a car?
    Originally posted by alxx_b
    I don't think she would need to have gained any actual driving experience. She would just need to have had her licence for a year. Doesn't make sense, but I'm pretty sure that's how it works.

    Not that that's much help to you for the next year...
    koru
    • Rodent-Rocker
    • By Rodent-Rocker 19th Apr 17, 8:51 PM
    • 3 Posts
    • 0 Thanks
    Rodent-Rocker
    Hello all... Having a nightmare at present and could do with some advice, if possible, please!

    We bought a Seat Ibiza Sportrider 1.4 at Christmas last year, in good faith, for my son (now 19 years old). We checked the spec online, but none of us are car experts. He passed his driving test three weeks ago and we took out Tesco Black Box insurance at the eye-wateringly high price of £2,800 (for monthly instalments) - the chap came to fit the Black Box last Thursday and proclaimed to our surprise that the car was 'modified'. The modifications consisted of an eroneous 'FR' sticker on the back, a cuff over the end of the exhaust tailpipe (attached by one screw) and the brake calipers had been painted red. This has resulted in Tesco asking us to cancel the insurance policy, as they will not cover the 'modifications.

    We took the car to Kwikfit, who checked it over and wrote a letter to confirm that the car was completely standard and had not been 'modified' and that it would be approximately one hour's work to take off the sticker, tailpipe cuff and return the calipers to their original colour. This was not good enough for Tesco. I asked what the difference was between this and having a scratch resprayed on a minor bump - they couldn't answer me. This is essentially vehicular 'colouring-in' and what was a perfectly innocent mistake now has the potential to affect my son's insurance record for the rest of his driving life, if we don't get it sorted within the next 48 hours.

    The fiinal kick in the teeth is having paid out a £500 deposit to Tesco, we have now got to find another £700 deposit to pay another insurer, as well as the £200 a month premium, all within one month... I think the car will have to be registered SORN for 7-10 days until Tesco pay back us the £250 they owe us.

    Has anyone else had this problem with Tesco or any other insurer? My other concern is how many vehicles are driving around with decals innocently added to the vehicles, unaware that should they have an accident, this may be used as a reason for insurance companies not to pay out!

    ~ RR
    • koru
    • By koru 20th Apr 17, 9:44 AM
    • 1,233 Posts
    • 620 Thanks
    koru
    That sounds pretty ridiculous. But you might be better posting this on a separate new thread, because in your case it is irrelevant that the insurance is for a young driver. A separate post might attract the attention of someone who has specific experience of what to do when an insurer interprets cosmetic changes as modifications that are relevant for insurance.
    koru
    • koru
    • By koru 20th Apr 17, 9:51 AM
    • 1,233 Posts
    • 620 Thanks
    koru
    I was intrigued, so I did a google search and found this guide:
    https://www.moneysupermarket.com/car-insurance/articles/car-modifications-car-insurance-prices/

    OMG, cosmetic changes CAN affect insurance!

    Edit: specific mention of stickers here:
    https://www.theguardian.com/money/2015/feb/16/check-insurers-dont-mind-modifications-car

    Edit: Looks like the Ombudsman often stops refusal of claims due to innocent failure to disclose mods, though I'm not sure they can force your insurer to give cover. http://www.financial-ombudsman.org.uk/results.html?q=car%20modification
    Last edited by koru; 20-04-2017 at 10:49 AM.
    koru
    • Rodent-Rocker
    • By Rodent-Rocker 20th Apr 17, 9:55 PM
    • 3 Posts
    • 0 Thanks
    Rodent-Rocker
    It's a horror show, isn't it?!... Thank you so much for your research - I'll look into the results of the Ombudsman's findings further.

    It's a slippery slope to having to pay for some kind of report from registered garages to verify a second-hand car's suitability for insurance when for some reason an MOT certificate will not suffice!... It's ALL about the money!

    Do you still think I need to start a new thread?

    ~ RR
    • koru
    • By koru 21st Apr 17, 12:48 PM
    • 1,233 Posts
    • 620 Thanks
    koru
    Do you still think I need to start a new thread?
    Originally posted by Rodent-Rocker
    It's an issue that affects everyone, not just young drivers. Though it perhaps arises more often for young drivers, because it gets spotted when the black boxes get installed. Up to you.
    koru
    • lisyloo
    • By lisyloo 21st Apr 17, 1:00 PM
    • 21,022 Posts
    • 10,030 Thanks
    lisyloo
    My other concern is how many vehicles are driving around with decals innocently added to the vehicles, unaware that should they have an accident, this may be used as a reason for insurance companies not to pay out!

    If an insurer refused to pay out over a sticker then they'd be sued or taken to the ombudsman.
    Much more difficult if they are just saying they don't want your business though.
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