where can I find close to affordable insurance for new driver?

emlou2009

when i passed my test i got given a glossy leaflet by the examiner that was a 8 page advert for small firms that specialised in insuring cars for new drivers, and going through these i got my first years insurance for £550 on a 1.4 peugot 306 worth £500 at age 20! i think the firm i eventually went through was called premium direct. after a year i got a 1.2 corsa worth £6000 and they renewed my insurance for more or less the same price, i was very impressed!
maybe his instructor would have access to a similar leaflet? the quotes i got from using mine were half the price of price comparison sites! it looked like it was probably a standard issue thing given out to new drivers, it just came with the stuff they give you about how its a probationary license for the first 2 years etc.

vikingaero

£1,000 to £2,000 is about the right ball park for a noob male driver. A female noob could get it as low as £800.

Get you son to take the Pass Plus test after he gets his licence.

He will have to be realistic about cars - get a Saxo/Corsa type car first. Then after a couple of years of hopefully being claim free then he can get what he wants.

I don't think you have to worry about fronting. With a premium of £1k+ the Insurer has already rated the risk on the youngest driver. If your husband took out his own policy he would be paying in the low hundreds.

One tip is to add either you or your husband onto your sons policy as this can have a small impact in lowering risk.

Pssst

big_gay_kirk wrote: »

buy something over 25 years old.... you'd be amazed what you can find if you look round.. had a quote for my son at 17 on a 2.0 Cortina estate from 1983, limited to 6,000 miles a year, just under 200 quid FC.... and if he had a 1.3 allegro, we could reduce that to under 180.... btw, my insurance on the corty was 45 quid a year.... plus 50 quid cashback... its lovely being paid a fiver to insure a car for a year!!

Well if thats the answer,ive got a 1992 car for sale with a full years MoT...see me !

big_gay_kirk

rev_henry wrote: »

Now this is music to my ears! I've always wanted a 'proper' car like a cortina (no they are not hideous!) or a moggie minor. Sorry to hijack the thread but could I ask who you got these quotes from?

I've heard this kind of thing before, but have never had any success :S
Just put in a quote through insuresupermarket and cheapest is £2700 FC on an '81 cortina 2.0 I found on ebay. (I'm 17YO Male )

buy a classic car mag.. go through the ads.... most of them are specialist insurers, and quotes can vary wildly! remember to limit the mileage as well... add on an older driver... join the relevant club for the vehicle.. it all adds up.... and for some reason estates seem cheaper than saloons....

big_gay_kirk

Pssst wrote: »

Well if thats the answer,ive got a 1992 car for sale with a full years MoT...see me !

1992.. bit new for me..... don't usually buy anything newer than 1985... and i consider that a bit too new....

shelovestobuystuff

We found a 7 year old peugeot 206 he likes costing £1200 and its just £800 to insure(some insurers still quoted up to 2k for that car but the cheapest was though autotrader,m&s weren,t bad either) so we are going to see that.

rev_henry

shelovestobuystuff wrote: »

We found a 7 year old peugeot 206 he likes costing £1200 and its just £800 to insure(some insurers still quoted up to 2k for that car but the cheapest was though autotrader,m&s weren,t bad either) so we are going to see that.

Main thing to be aware of with 206s is dodgy electrics, as with most french cars I'm afraid. Aside from that good luck.

rev_henry

big_gay_kirk wrote: »

buy a classic car mag.. go through the ads.... most of them are specialist insurers, and quotes can vary wildly! remember to limit the mileage as well... add on an older driver... join the relevant club for the vehicle.. it all adds up.... and for some reason estates seem cheaper than saloons....

Thanks for that kirk. No specific companies that you know of?

jaydeeuk1

shelovestobuystuff wrote: »

If OH gets the car registered and insured in his name instead with 10 years no claims and adds son as named driver the cheapest is still over £1,000!(407 only £50 more than the smallest car possible)
Am I missing something or is this usual for a newly qualified driver?

My parents ended up doing that. My cheapest quote was £1400 TPF&T for a 1.6 Fiat Tipo. Direct line advised that it would be cheaper for a parent to be named as the main driver, and me as an additional. Brought it down to about £500. Reckon it saved me about £5k over the 7 or so years we did that.

dacouch

Jaydeeuk1 do a search of MSE or Google "Fronting" or "Insurance Fronting"

If you are the main user of the car and your parents have not declared this it may cause problems if you have a claim, in addition it may not cover you to drive to and from college or work.

If your parents have declared themselves as the main driver and it turns out you are they could be done for fraud and / or no insurance.