Car Insurance for 17 year old

defender_of_the_weak

Can anyone give me some pointers. My son turns 17 on Sunday and is keen to drive. We are going to get him a cheap little whatever to practice in and as a first car and obviously this raises the insurance question:eek:

Does anyone know of a good site to cover this sort of enquiry. We only need TPF & T and probably wont spend more than £750 for the car.

Any help or clues gratefully received, the first quotes I have found are over 2 grand:eek::eek::eek:

Thanks

simontheiceman

You need fully comp cos if he goes in the back of my Merc; you're toast.

lisyloo

You need fully comp cos if he goes in the back of my Merc; you're toast.

Not sure if you've got that right Simon.
Your merc would be covered by his 3rd party section.
What would not be covered would be HIS car so they potentially face a loss of £750.

Any help or clues gratefully received

I would suggest you search this board using the search facility as this has been discussed before.
There might be some companies suggested and any hint & tips.
However at that age it IS going to be expensive, because the statistics are not on your/his side.

I would also suggest that you get quotes for once he's passed his test.
I believe that the insurance goes UP on passing.
So you might want to make sure that's affordable before proceeding as there is no point getting a car and passing and then finding you can't afford the insurance after the test.

simontheiceman

Idiot factor in play - dunce cap - face corner etc - mouth before brain etc, repent massive, prob too much friday lunch beer (and no I didnt drive home).

DCodd

defender_of_the_weak wrote: »

Can anyone give me some pointers. My son turns 17 on Sunday and is keen to drive. We are going to get him a cheap little whatever to practice in and as a first car and obviously this raises the insurance question:eek:

Does anyone know of a good site to cover this sort of enquiry. We only need TPF & T and probably wont spend more than £750 for the car.

Any help or clues gratefully received, the first quotes I have found are over 2 grand:eek::eek::eek:

Thanks

Having similar probs with an 18 year old for a KA cheapest £1450. I would say though that strangely enough fully comp seems to be cheaper for her than TPF+T

Mark64uk

My first insurance was £2750 which i had a refund of £1000 as i did the Pass Plus driver training. This was when i just turned 17 and im 22 now, insurance still quote me £1100 and ive got 3 years no claims discount.

Try to see if any insurance compaines still give discount for pass plus ( come to think about it see if instructors still offer pass plus) you may still be able to get a discount with some companies.

I was insured with asda at the time but they would not renew me as they upped there age lmits.Quinn direct was also a company at the time offer the pass plus discount.

My brother is now is the same situation as i was and hes not had a quote lower thank 3K.

Good Luck

lisyloo

Yes - pass plus is one of the tips.
On other threads I've seen to avoid Quinn Direct because they will put up the insurance a lot when he passes.
Perhaps you could check this out up front e.g. check out the increase and also check out the cancellation fees and the way the pro-rating works if you cancel.
If it's not too bad, you could go with Quinn first then change, but it's best to know up front what the fees are and what their basis is for "short term cover".
e.g. if you cancel after 6 months, do they charge you 90% of the annual premium.

Mrsmoneypenny

My son passed his test in 2007 and then immediately took the pass plus, he then insured with Direct Line and the pass plus was the equivalent of a years no claims bonus. He was 17.

But! When he came to insure for this second year, he did not have two years no claims, the pass plus is only useful for insurance in the first year. Although in the first year he paid 1650.50, the 2nd year he paid 1003.80 and this year his third year his renewal notice says it will be 596.40 (online for some reason it says 733.95).

I do think Pass Plus is a great idea though, for those things that cant be covered in the driving seat of lessons/exam, motorways, country roads, etc.

He had a new Vauxhall corsa, he was still at school (Alevels), the car was in his own name. fully comp.

We were originally going to keep the car in his dads or my name and insure it for us and have him as a named driver. As we dont live in UK and havent for 20+ years we didnt have any no claims. It would have cost 1923.60. Although I think at the time there was something about how often we would be using the car compared to our son, so that would have ruled out it being in our name.

On DL advice we put the car in our sons name, he had done his Pass Plus and the price came down to 1650.60. He then sent off the PP certificate to DL.

I have just tried Quinn direct, you can tick the box to say that you have Pass Plus but there price came up as 1840.31! Which is around 1250 pounds more than DL.

Quentin

DCodd wrote: »

I would say though that strangely enough fully comp seems to be cheaper for her than TPF+T

This is often the case. Try putting in a big excess (say £1000), if you were prepared to go third party, and see if that makes a comprehensive policy cheaper.

crampo_2

Don't Be surprised about quotes going up to £3000 for insurance.

Im 19 now and passed my test just over a year ago. At the time before i passed my test i put myself as a second driver on my mums car for 4 months and cost me around £200 from Tesco's. Then i passed my test i had 4 months under my wing already.

As i was buying a new car it takes 3 months to make. so i had a little £400 1.1 fiesta and tesco's was the cheapest at the time and they give you a free pressure washer. that was £1500 for a year, then when i changed it to my new car it went up to £1700. I've got £0 voluntary excess on Fully Comp, Because on the clauses i have to pay £400 for a accident if its my fault, £100 for a new windscreen and stuff like that.

Last Week they sent me a letter for renewal they wanted £1310. On there own website they quoted me £1100. i phoned them and got it for £1150.

I didnt do Pass Plus. When i was talking to Tesco's Last year about insurance, They Said to Me That alot of insurance companies don't like to insure drivers under 21 on third party fire & theft. I found alot companies come out cheaper doing it on there own website rather on comparison websites, it may take longer but worth it, as companies do deals on there website that you may not get on comparison wesbites.

But for anyone aged 17-21 insurance is going to be anything from £1200 to £3000. For Males , Its Because all Male drivers in this age group are classed as "Boy-Racers".
Girls is alot cheaper as they are seen as safe & responsible.

Also car insurance comes up cheaper if you put the parents as main drivers and the child as secondary. BUT, if the car is in his name im 99% sure it is Illegal to do this, its called "Fronting" and if he gets pulled over its classed as fraud as your "dodging" the system as such. Just a little note on this.

funetik

Where do you all live? These prices are obscene.

I'm 22 and have some convictions, one of which a judge insisted I take a holiday from driving for. Since then I've had two years as a named driver and one year in my name/no claims. First year cost £1000, the second £700 driving a 1.2. Third year I bought a 2.5 litre BMW and it cost me £1100. This year I'm driving a 2.0 diesel and with a bit of bartering got it insured for £400.

Keep expected yearly mileage low, if asked.
Bounce the insurance companies off each other -
"ABC insurance said they would do it for £xxx, can you beat that?"
It's at your discretion whether you quote them a real or made-up price. Include cashback in this.

If asked how many cars you have at your house, more is better - more potential business for the company.

You can also do deals with finance/monthly payments to reduce interest %.

Depending on how confident you are of your/son's/daughter's driving skills, jack the voluntary excess up. This will reduce the premium, but obviously cost more if you do something silly and have to pay the excess.