17yrs old pass test yesterday needs help!

payless

Lokolo wrote: »

Ford Fiesta 1.1 1991.

£1500 when I was 17 with DirectLine (third party, fire theft)

male or female
policy taken before or after test
This year?

Lokolo

payless wrote: »

male or female
policy taken before or after test
This year?

Male of course!! (how dare you )
Taken out in Jan, passed May (so originally was pre passing). No change in price when I updated the info.
Also got a refund of £250 later that year for Pass Plus.
No not this year, I am now 20.

payless

ok so as well as over2 yrs ago ( and a really old car... I'll give you that) you took policy as a provisional driver- can't answer for DL but a lot of companies now increase premium mid-term when pass test and you were right in updating as not telling them allow them to void the policy .

Lokolo

payless wrote: »

ok so as well as over2 yrs ago ( and a really old car... I'll give you that) you took policy as a provisional driver- can't answer for DL but a lot of companies now increase premium mid-term when pass test and you were right in updating as not telling them allow them to void the policy .

B*stards.

I also crashed about a month after I passed. Next insurance was £1200. Then £670. And I crashed again. (although I was being rather !!!!!! at the time). So yey can't wait for Jan.

payless

I had 3 at fault claims + 1 non fault claim in my first year of driving ( 1985) ... you get better ( hopefully) !

hex2

Thanks for this - just checked on Direct Line, and for a 17yo male who has just passed, in a 1987 Mini 1000 (£600) it is £1200 fully comp for up to 6000 miles - added his dad on as a second driver to get this price. Tons better than the £1700 minimum I got elsewhere.

zkw29

hex2 wrote: »

Thanks for this - just checked on Direct Line, and for a 17yo male who has just passed, in a 1987 Mini 1000 (£600) it is £1200 fully comp for up to 6000 miles - added his dad on as a second driver to get this price. Tons better than the £1700 minimum I got elsewhere.

Remember to try it without his Dad as well (if he doesn't have to be on it) - it often works out cheaper with Direct Line not to have parents added.

sillyvixen

as someone who has had 8 accidents in 20 years of driving - one own fault (in fog) - have been rearended 7 times once at traffic lights by a middle aged women who was responding to a call that her husband had had a heart attack at work - all other incidents have been by drivers with less than 6 months experience of passin their test - 5 have been male (2 within a week of passing their test - 1 was within hours and not a classic rear shunt) the last was a female who blmed me for dropping her lipstick on a moterway rounderbout..... obvious why insurance is high for new drivers!! in my defence at 18 my 3rd party was £900 on a 12 year old metro in the 80's - the car was a present and cost £350 !!

tight-git

thanks everyone :beer::T:j

tried most of them now and i think its gonna be Endsleigh for me

under his OWN name , i am buying him a 02/03 clio or punto 1.2 type of car for 2k ish ...group 3 insurance.

Endsleigh now do a 6 months policy (my quote for a 1.2 clio is 1100ish inc the 'pass plus' he is taking this weekend and a 20% discount already) , the good thing about this 1/2yr policy is that ,when it finishes , the NCB comes out as tho he had it for a full yr , also by then he will be 18yr old!!! so hopefully , the next 1yr cost will be back to approx 1200 for ONE YR (after this original 6 months), 3rd party fire and theft of cos.

can anyone confirm that? its still really expensive for what it is ...but not alot of options left ...:o

shelly

tight-git wrote: »

Endsleigh now do a 6 months policy (my quote for a 1.2 clio is 1100ish inc the 'pass plus' he is taking this weekend and a 20% discount already) , the good thing about this 1/2yr policy is that ,when it finishes , the NCB comes out as tho he had it for a full yr , also by then he will be 18yr old!!! so hopefully , the next 1yr cost will be back to approx 1200 for ONE YR (after this original 6 months), 3rd party fire and theft of cos.

I would worry that doing the above you will be stuck with Endsleigh at renewal as other companies might not accept NCB built up in this way. Yes the renewal docs will say 1 yr NCB but when they (the other co's) ask the question about how long has the policy holder held a full UK driving licence you can only say 6 months.
They might decline to quote.

Might be worth calling a few companies and asking if they would accept the NCB built up in this way because if they won't you will have to either start again from 0 NCB or stay with Endsleigh to use the NCB but then you are at their mercy price wise.

On the other hand other co's might accept NCB built up in this way with no problems at all, I don't know. I'm just voicing the worry that popped into my head on reading your post