Car Insurance for 19 year old

wadewade

My 19 year old son is looking for his first car insurance. He has held a full licence for a year but has only driven my car. He is being quoted amazingly high amounts for insurance. Has anyone been through a similar experience and found a half-reasonable quote? If so I would be grateful for a lead to their broker/ insurance company. Thanks

nearlyrich

19 year old sons who'd have em?

Mine will be 19 soon, he can't drive my car because my company has restrictions on young & inexperienced drivers ( Thank Goodness)so he had to get his own.

I really feel sorry for young sensible drivers they have to pay for the loonies for a few years.

I don't think it's possible to beat the system but if anyone has any ideas please post 'em.

Highland_Lass_2

My 17 year old son has just passed his driving test this month. He's decided to do "Pass Plus" which involves 6 extra hours of tuition as it will drastically reduce his insurance. I think they're assessed as they go along. It'll cost him £132 to do it but Norwich Union will take 48% off the 3rd party fire & theft quote and 52% off for fully comp once he's completed it. He'll save nearly £700 plus he'll have a bit more driving experience. I presume lots of other insurance companies will work like this - but not sure who. Well worth finding out about anyway.

nearlyrich

I agree it is a good idea to do pass plus, my son's instructor does a six hour course in one day or in 2 hour chunks. He advises new drivers to get a few weeks experience then take pass plus.

lellie

yeah pass plus is worth it..

there are no reasonable prices for car insurance though.. it halfs as soon as you hit 21 and have 3 years driving behind you.. just have to wait and see..

tesco are usually best for young drivers

allthatmularky

Strange as it may seem - buying a new car may be cheaper. The free insurance for a year deals with a guaranteed buy back value on small cars are aimed directly at this market. It may cost £150 pcm but then insurance on an old banger is often £100+ for an old banger.
Usually Citroen/Renault seem to have the more flexible deals.

barjam_2

could you not put your son on as second driver and you as the first even if you haven`t got a licence it might be worth getting a provisional just to do that my sons mate and his mother did that but she is not intending to learn to drive i think it worked out a lot cheaper than what he was quoted on his own (why dont insurance companies bump up the excess for young drivers instead of the premium!) :-/ :-/

big_hav

Think that i can help here.

Firstly, i don't think that pass plus will save you 50% on insurance. It is more like 10-15% and it is also worth noting that it is only in effect for 2 years.

Adrian flux are currently running a programme with Adrian Fluxi nsurance called maxdriver. Itis a one day course costing £100 but once completed it allows the driver to claim 25% off there insurance policy.

One way of going about getting your son insured is to put him on your current policy, which i assume has no claims bonuses, and then put your car on a new policy with no no claims. While you pay more for your own insurance the saving that can be made on his car insurance can be incredible.

Also the idea of buying a new car can be wise if you have the capital. However, only a number of manufacturers offer 19 year olds this offer, vauxhall is the only one off the top of my head.

lellie

It's a good idea NOT to go on your parent's insurance though because in the short term it may be cheaper but it's a better idea to start earning your own no claims bonuses.. if you've had 3 years no claims.. by the time you're 21 your insurance is pretty cheap.. by the time you're 25 with 7 years no claims it's as cheap as it's going to get for your car..

Grom_2

I had a problem a couple of years ago when I left my last job - I had been on a company car scheme and therefore had officially 0 no claims in the eyes of the insurance community. However I found that Direct Line Insurance offered me the equivalent of 1 years no claims discount as a starting incentive. So in my 2nd year I already had 2 years no claims, this year I now have 3 years and so on. The discount has been very handy and I'm yet to find anyone who can beat them for price.

I don't know if thats any help to you, but I reckon that the only way you'll get cheap insurance for a 19 year old is to start building up those no claims bonuses.

Chester_Draws

In answer to the question about how much discount you can get with "Pass Plus"......... my daughter had her first insurance last September, and Norwich Union gave 35%.
Its also worth contacting your local council, as last year (in our area) they were paying 50% of the cost of taking Pass Plus....so a rebate of about £65 was available.