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New Car deals with free insurance for 2011
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# 1
irri tant
Old 19-07-2011, 2:52 PM
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Default New Car deals with free insurance for 2011

are there any out there for 18 year olds?

looking at a new car as they work out the same price as some of the quotes we are seeing for a Y plate Punto 1.2 ELX 5 door

http://www.youtube.com/watch?v=vMbmt...el_video_title

Last edited by irri tant; 19-07-2011 at 10:29 PM.
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# 2
oscarward
Old 19-07-2011, 4:34 PM
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peugeot, just add fuel deal.

http://www.peugeot.co.uk/showroom/latest-offers/just-add-fuel/

but i think there are a few strings. such as the small print says you never own the car and very limited mileage.

http://www.peugeot.co.uk/showroom/la...add-fuel/faqs/


In another thread someone reported putting down a deposit etc. then the dealer ringing them back saying insurers had refused and they couldn't go ahead 'cos they couldn't afford insurance of their own.
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# 3
irri tant
Old 19-07-2011, 4:40 PM
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OK

conditions rule this one out as it says 'Drivers over 25'

our driver is 18 who has just past the test

1st post edited to reflect the age of driver
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# 4
oscarward
Old 19-07-2011, 4:45 PM
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if it's an 18yr old then the insurance is likely to be more than the car.

I think you will struggle with this as previously insurers who supported manufacturers deals have been stung.
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# 5
DCFC79
Old 19-07-2011, 6:16 PM
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For these deals with the free insurance the min age is usually 21/25, just buy a cheap run around
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# 6
worried jim
Old 19-07-2011, 6:31 PM
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Quote:
Originally Posted by DCFC79 View Post
For these deals with the free insurance the min age is usually 21/25, just buy a cheap run around
What like a Y plate Punto 1.2 ELX 5 . I can't see you getting much cheaper than that. What's the fine for getting caught with no insurance, 200? Or 6k on an insurance policy- I wonder why there are so many uninsured drivers on the roads these days.
Unfortunately I don't have the answer except get a moped and save the driving for a few years when you are older. OP- have you tried doing the quotes as your age as 21 to see what the difference is?
"Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
Albert Einstein

Last edited by worried jim; 19-07-2011 at 6:35 PM.
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# 7
irri tant
Old 19-07-2011, 10:26 PM
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Quote:
Originally Posted by worried jim View Post
OP- have you tried doing the quotes as your age as 21 to see what the difference is?
Can't see the point in doing that as we are looking for insurance for an 18 year old this year not someone who is 3 years older.

Quote:
Originally Posted by worried jim View Post
Unfortunately I don't have the answer except get a moped and save the driving for a few years when you are older. OP- have you tried doing the quotes as your age as 21to see what the difference is?
I'm 52 and looking for insurance for my son

Last edited by irri tant; 19-07-2011 at 10:28 PM.
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# 8
bluenoseam
Old 19-07-2011, 10:46 PM
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Quote:
Originally Posted by worried jim View Post
What like a Y plate Punto 1.2 ELX 5 . I can't see you getting much cheaper than that. What's the fine for getting caught with no insurance, 200? Or 6k on an insurance policy- I wonder why there are so many uninsured drivers on the roads these days.
Unfortunately I don't have the answer except get a moped and save the driving for a few years when you are older. OP- have you tried doing the quotes as your age as 21 to see what the difference is?
driving without insurance is up to 5,000 in cash and a criminal record, which is a more severe penalty than the cash fine.

The problem with 18 year old drivers is that they're all tarred by one brush - insuring them is bordering on the crazy because they have people within their age group who's mentality is closer to their shoe size. Best thing is to pick him up a small car (nothing bigger than a 1.2) and do your homework on them - Autotrader will give you a guestimate of the insurance group of the vehicle and start adding named drivers on the policy. It's not going to be cheap for a few years, but the sooner he starts racking up NCB years the sooner the premium will come down - and for the prices, he can thank the no doubt thousands of idiotic 18 year olds that think "i have a license, i'm the man" when really they're silly little boys.
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# 9
worried jim
Old 20-07-2011, 7:48 AM
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Quote:
Originally Posted by irri tant View Post
Can't see the point in doing that as we are looking for insurance for an 18 year old this year not someone who is 3 years older.



I'm 52 and looking for insurance for my son
It may be a better deal if he puts off driving until he is 21- try a quote as 21 to see what the difference is.
"Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
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# 10
10JH
Old 20-07-2011, 10:22 AM
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Almost all free insurance offers are only for over 25s.

That said, you may be able to negotiate more money off if you don't qualify for the insurance offer.
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# 11
roysmissus
Old 05-08-2011, 11:35 AM
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We are having the same problem for our son. He passed his test this year and said we would buy him his first car, however the insurance quotes are unbelievable, anywhere between 17 and 44 THOUSAND pounds. I understand that because of his age (18) and probably because he is a male driver which is unfair as i have seen some shocking young female drivers aswell, insurance comanies will consider him high risk but he just wanted a small 1L runaround. He now feels like he has wasted his money on driving lessons because (in his words) would need to win the lottery just to insure a car. I was told one car company would give free insurance if you bought a new car but as someone pointed out it was for 25's and over. Unfortunatly i can see him driving anytime soon and i will continue to be his free taxi lol.

If "poli" means many, and "tics" means bloodsucking creatures what does "politics" mean?:rolleyes:
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# 12
DCFC79
Old 05-08-2011, 2:01 PM
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Quote:
Originally Posted by roysmissus View Post
We are having the same problem for our son. He passed his test this year and said we would buy him his first car, however the insurance quotes are unbelievable, anywhere between 17 and 44 THOUSAND pounds. I understand that because of his age (18) and probably because he is a male driver which is unfair as i have seen some shocking young female drivers aswell, insurance comanies will consider him high risk but he just wanted a small 1L runaround. He now feels like he has wasted his money on driving lessons because (in his words) would need to win the lottery just to insure a car. I was told one car company would give free insurance if you bought a new car but as someone pointed out it was for 25's and over. Unfortunatly i can see him driving anytime soon and i will continue to be his free taxi lol.
have you read the many many threads on how to get the cost down,
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# 13
rexmedorum
Old 05-08-2011, 2:15 PM
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Maybe it's me but I think it's quite dangerous for 17,18 years to not drive at all for 3 or 4 years immediately after passing their test. The insurance may be happier but if you haven't driven at all for 4 years and have no real (unsupervised) driving experience since passing your test that's got to be a big risk too!
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# 14
laird
Old 05-08-2011, 9:22 PM
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Rather than not driving is there any advantage to being a second named driver on a policy which would earn 2nd or 3rd named driver no claims bonus? I guess the range of insurers that offer this may be more limited and so the policies more expensive?

Clearly you would have to avoid any risk of the 17 year old being seen as the main driver invalidating the lower cost insurance, presumably 1 mile per annum by the 17 year old against a parents mileage would avoid any such risk though? That way at the end of the 1,2, 3 or 4 years a no claims bonus would add to the expectation of now older son being safer on the road from the insurer's viewpoint?

Personally I was lucky at 18 I did get a car which came with free insurance, even after the 1st year the insurance was still very expensive for me.

Ultimately I guess it will limit the number of new drivers, (or just the honest ones?) which might in the long term reduce numbers on the road, increasing road safety?
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# 15
adamc260
Old 05-08-2011, 9:57 PM
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VW offer free insurance with the polo but need to be over 21...

I think it was only back in the days of the 'Saxo' did they do free young driver insurance!

It's insane how much insurance is now, when I started learning to drive 5 years ago I paid 1600 for my first policy TPFT.

I'm now 22 with a brand new car valued at around 16,000 and pay 430 fully comp in my own name with Guaranteed NCD.
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