Young driver motor insurance

geordie458

My 18 year old son has just passed his driving test and wants to buy his 1st car. Obviously he's looking at cars in the lowest insurance group but having tried the usual comparison sites I'm still getting quotes of around £1800 with pass plus discount. Can anyone recommend any brokers who can give more competitive quotes for younger drivers please?

Hintza

Unfortunately that sounds about right.

Try Kwik-Fit Insurance, Tesco and perhaps RAC.

Remember you can sometimes get a good cashback via Quidco (or other cashback site)

XDA

Quinn direct are very cheap, try them?

Avoid the comparison sites, as they add on their extra £'s as commission.

Phone insurers direct, you will get a much better deal.

I passed my test 3 years ago, and my lowest quote for a 1100cc Fiat Punto was £1100 - But that was fully comp though.

geordie458

Ive just got off the phone to Aidrian Flux and thay came up with £1107 for a 1998 Fiat Seicento Sporting. So it does look like ringing the brokers up gets you a better qoute, thanks. I'll try Quinn next.

geordie458

Quinn direct were way out at £1750. The search continues!!!!!

MX5huggy

Done direct line yet? they were best for me!

Change the car may be Daewoo Matiz will be cheeper!

student100

Try Admiral.

Older_but_not_wiser_2

Also, put yourself on the insurance as a named driver, even though you have no intention of driving - this should take the quote down a bit.

goldspanners

try CIS for young drivers, thats who i used when i first passed, they were much cheaper than any others.

HO87

If you are a driver yourself there is nothing to prevent you taking the insurance out in your name - as the insured - but declaring your son as the principal driver. I did this some while ago for my daughter and it halved the premium. They still accrue their own NCB. However, don't be tempted to hide the fact that your son is the principal driver as if there is a mishap you may find the policy voided (other than for the very basic third-party cover).

geordie458

HO87 wrote: »

If you are a driver yourself there is nothing to prevent you taking the insurance out in your name - as the insured - but declaring your son as the principal driver. I did this some while ago for my daughter and it halved the premium. They still accrue their own NCB. However, don't be tempted to hide the fact that your son is the principal driver as if there is a mishap you may find the policy voided (other than for the very basic third-party cover).

If my son subsequently has an accident, god forbid, where does that leave me? I would have to declare any claim made when applying for insurance come renewal time wouldnt I ?