Young driver motor insurance

HO87

geordie458 wrote: »

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 ?

True and I suppose the fact that I have a protected NCB was a deciding factor but the plan had always been for us to run that insurance for one year (to take the edge off the premiums) and then for her to take out one in her own name.

Ultimately she saved roughly £350 in the second year but her own policy was organised through a broker, not online as the initial one was, so the comparison may be slightly unfair. She is now doing the IAM "Skill For Life" course which when (and I suppose if) she passes, we are told, should automatically award her a further year's NCB. The course only cost £79 which should be more than returned by the further reduction in premium.

student100

IAM is definitely worth it, though I've found the only insurers that offer a direct discount for having it were the more expensive ones in the first place.

That said, once you've done the IAM course, you will be a MUCH better driver and therefore much more likely to avoid having an insurance claim so you'll keep your NCB longer and be less likely to have to pay out an excess. (This applies to anyone of any age - the IAM course is a good investment - and as they say, a skill for life!)

rachyrach2k

Try Bell Direct. They were cheap for me

jaydeeuk1

rachyrach2k wrote: »

Try Bell Direct. They were cheap for me

I'd second this. They specialise in no claims / young drivers.

Certainly easy to see why lots of youngsters don't bother with insurance...

geordie458

Thanks for Bell Direct but they were £1750 with Pass Plus !!! I'm losing the will to live !!!

f1re_cr4cker

Liverpool victoria were the cheapest for me!

goldspanners

ive just been getting quotes for me, using all the comparison sites this site promotes and all were at least £100 higher than my renewal with current insurers admiral.
i then tried elephant, got my renewal down by £90.
i dont know if elephant will insure young drivers, i remember trying them when i was 18 and 19 and they wouldnt insure me.

geordie458

Thanks Goldspanners !

geordie458

LV want £2000.

pompeyrich

E car insurance were cheapest for my 18yo lad, £1040, 1.0L Corsa TPF&T. Tried local brokers most said if you can get it for £1,000 take it, didn't even try to beat it, a couple tried but couldn't come near it.

Considering that statistically young male drivers are quite likely to have a claim I reckon less than £3 a day isn't too bad a price.