Insurance for Young Drivers

dacouch

The pass plus is worth considering even though the saving is not quite as much, I say this as it genuinely improves your driving. This can greatly reduce the chances of you having an accident, if you do make a claim your premium will probably go up a lot next year instead of coming down a lot.

It would be best to check with Direct Line about the discount for Pass Plus as not all companies will give you the discount once the policy starts. A lot of companies will actually give you the discount off the start of the premium if you confirm you are taking it as you cannot fail the pass plus providing you do all the lessons. So you may be able to benefit from the 5% discount off the start premium and use this towards the pass plus costs.

Its worth considering Comprehensive with a bigger voluntary excess as previously stated you normally only pay the excess if you claim for an accident where you claim for your own repairs. (Check with DL on this and ask whether the increased excess will apply to Fire and Theft and Windscreen Claims...it normally does not). As you originally wanted TPF&T cover taking comprehensive with a big voluntary excess (Assuming it does not increase Fire & Theft and Windscreen Claim Excess) would give you TPF&T cover but with the added benefit of windscreen cover (Claims for windscreen do not normally affect your no claims bonus and have an excess of circa £60).

Have a word with one of the people at Direct Line and talk the above out with them and they should be able to clarify how it would work with them, as with any of these calls its best to make a note of the persons full name and date / time you called so you can refer to it if there is any dispute at a later date and they miss advised you

zkw29

He's 19 so, if I remember correctly, Direct Line won't let him have a voluntary excess on top of the £400 compulsory.

I would second dacouch's advice on noting the date/time and name of the operator who confirms the Pass Plus discount.

Mrsmoneypenny

Direct line do take pass plus, and you are right, let them know you have it and just post the certificate in. Personally I think it is a great thing for a young driver to do.

They told us it is the equivalent of one years no claims. Although on the second year, you dont get two years no claims, if you see what i mean. The PPlus only counts once. We were a little surprised we thought he would have been able to claim two years. But no.

I am at present looking for insurance for my son, he has now been driving two years and is twenty. Direct line still come out the cheapest, but i think i will try putting an older driver on and see if it make any difference to the price, as suggested on here.

YesItsMe788

I contacted direct line and they said I can take out a policy then add pass plus when I want, getting 5% off the remaining policy.

Just trying to find a car now, I thought this would be the easy part! Oh how I was wrong...

mikey4020

Sorry to hi-jack this thread. I was on a 9 month Norwich Union Policy which is due for renewal in May. I got my renewal quote through yesterday and it's went from being £1449.28 to £1247.51. (This is with installments) Price for next 12 months without interest would be £1136. I have to say I though it would go down more. Do you think I'm being optimistic? I'm not sure where to go now because I don't know who accepts my 9month no claims discount??

dacouch

Some companies will and some won't which is the problem with these 9 and 10 month policies. The only thing you can do is ring around and ask

Mickyfarmer

First of the policy price really depends on the car. When I was 17 I done so much research to see what car was the cheapest for insurance. I was looking for a cheap car and didn't care what it was, I thought that perhaps an old group one car would have been cheaper than an old group 3, not the case. I found that the most basic car that a manufacturer offered along with the smallest engine available for the car always returned the cheapest quote. For an example, I presumed an old fiesta 1.1 would have been the same as a corsa 1.0 but it wasn't, the fiesta was significantly more expensive because ford offer a smaller car, the ka. I also found that the spec didn't affect these old cars at all as it had the smallest engine. In saying that the ka is more powerful with a 1.3 engine.
Anyway you’re looking at a 1.2 corsa, it would make more sense to look for a 1.0 12v engine corsa. I myself ended up buy a micra 1.0 16v 1998 for £500 with 52000 miles on the clock. I didn't like the car at the start but had to buy it because I needed the car on that day. I have to say its a brilliant car, bit odd looking but the car is so well build and the engine is so eager to rev. All I have done to it for 2 mots is put a set of tyres on it, and that cost me less than a hundred quid. My first insurance policy was for £1150 and I took it out on my 17th birthday (I couldn't wait to drive), I didn’t have my full license at this stage and this actually made my quote £100 cheaper. I passed my test 6 weeks later and rang the insurance company to tell them I had my full license and they didn't ask for any more money. Now my second years insurance which is up in may cost me £817, with the same insurance company, although they send me a renewal notice for £1030 and I decided (being bored) just to get a quote online with them, and it was £817. I rang them up told them how annoyed I was. So all they done was reissued my renewal notice at £817, I tried to get a few extra pound off being an annoyed customer but it didn't work. So I checked online today with them for my policy for this year and it quoted me £950, I was as shocked as I its more expensive than last year even though I have double the driving experience and no claims. I have shopped around and found the post office are the cheapest with £665.00 plus cashback via topcashback of £29 (I think it is) so that’s going to be an insurance policy of £636 for a 19 year old. :rotfl:Unless my other insurer wants to beat it. O and also, vary the value of the car, I found over valuing the vehicle made the policy a bit cheaper.

Hadrian

mikey4020 wrote: »

Sorry to hi-jack this thread. I was on a 9 month Norwich Union Policy which is due for renewal in May. I got my renewal quote through yesterday and it's went from being £1449.28 to £1247.51. (This is with installments) Price for next 12 months without interest would be £1136. I have to say I though it would go down more. Do you think I'm being optimistic? I'm not sure where to go now because I don't know who accepts my 9month no claims discount??

You must be crackers! £1449 a year reflects to trust insurance co's have in youngsters NOT having an accident in any one year. I refuse to think that anyone even thinks about buying a car with that figure as insurance. It's a reflection on what insurance co's think of anyone under 25 and this is from statistics. My advice is wait until you are 25+ and try again.

Quote

Hadrian wrote: »

You must be crackers! £1449 a year reflects to trust insurance co's have in youngsters NOT having an accident in any one year. I refuse to think that anyone even thinks about buying a car with that figure as insurance. It's a reflection on what insurance co's think of anyone under 25 and this is from statistics. My advice is wait until you are 25+ and try again.

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YesItsMe788

Hadrian wrote: »

You must be crackers! £1449 a year reflects to trust insurance co's have in youngsters NOT having an accident in any one year. I refuse to think that anyone even thinks about buying a car with that figure as insurance. It's a reflection on what insurance co's think of anyone under 25 and this is from statistics. My advice is wait until you are 25+ and try again.

Where is the fun in that lol.

Who would you guys choose out of Direct Line or Quinn Direct?

Cheers for all the help guys, looks like I might have found a car so back to my original mission of finding the cheapest insurance.