car insurance for 17year old soldier

foxy1_2

Hello everyone, My son passed his driving test 2 days ago at the Royal Armoured Corps Training Regiment. He is still 17 years old and doesnt turn 18 until August. He is doing his PassPlus now, but all of the insurance quotes he has had so far have been well over £2000. I have given him my old car which is a 1.0 Corsa, and only worth about £950. Does anyone know of an insurance company that could possibly give a lower quote? Also, does anyone know if, once he has his Tank licence (he's training as tank driver) would his premiums then drop, or still stay high because of his age? Thankyou...

Sagaris

I think that you'll find the tank qualification will make no difference to his insurance quote -his age is the problem, along with his occupation - I went to a road safety conference a couple of years ago and apparently young soldiers are very over-represented in the accident statistics for young drivers.

I think I've seen on here that Quinn are good for young drivers? OR have you tried NFU?

You could also try putting an adult on the policy as a named driver - I did this for my daughter when she passed and it made quite a difference!

foxy1_2

Thanks Sagaris, Quinn are on his list to ring today, but i have never heard of NFU, but will also try them.

We tried putting myself on the policy with Swinton, but because the car would have to be insured from his barracks, it wouldn't be possible to add me!

jennihen

Quinn were good but you have to consider the excess . . . . . .

Alias_Omega

Car insurance for a 17yr old male will always be expensive due to the risks involved.

If the car is only valued at £950, then i would consider TPO (Third Party Only), or even TPF&T (Third Party Fire & Theft). I imagine the difference between the two would not be alot anyway.

Try the online companies like confused.com, then visit the sites for the companies that dont quote you. If you find a good quote, then check to see if Rpoints, Quidco, or Greasy-Palm give some cashback for it.

Recently, tesco were giving away 12months car insurance for the price of 10months, this appeared to be good but they also did Tesco Valve Car Insurance, which the excess is a little higher, no replacement car etc. It was about £150 cheaper for myself, but the excesses were doubled, and the replacement car did not suit me as i commute to work.

Keep plodding on, and you'll find one cheap enough but i expect it to be about £1200-1400.

Alias

payless

Quinn seem cheap for young provisional holders, but my search implied expensive for 17 yrs old males that have passed without any NCD.

Don't let the tail wag the dog on cashback issue .

Direct line strangely came out competitive for my son ( with me as an additional driver)

Sparky29

Spoke to a 18 year old girl who has just passed her test this month. She was about to buy a £4000 05 plate 1.4 Fiesta. She got a quote for insurance - with a £500 excess - £4000 - OUCH.

Geezer_BJ

It doesn't matter where you register the car, you can add any drivers you want to a policy. Also, there's no reason why he couldnt register the car to his home address if that would be cheaper.
Have you tried Admiral, they are usually quite good for younger drivers?
Its maybe a try going through Naafi financial tho I don't think they are that competitive these days. Also try looking on the defence discount directory, he should be able to get hold of one at work, or google it for the online version.
Good Luck !

Lokolo

Direct Line

Depending on where you live they are the cheapest for new drivers.

ICATQ

Geezer_BJ wrote: »

Also, there's no reason why he couldnt register the car to his home address if that would be cheaper.

If you do that then you risk ending up in a world of pain with the insurance company. the cost is based in part on where the vehicle is normally kept, ie at your residence as this is where it is most likely to get stolen from etc. If you lie about your residence to reduce your premium and you claim and they find out, which they will if it involves the Police, they will either reduce the pay out or not pay out at all.

Ensure that if the vehicle is kept 'on base' and there is a guard on the gate then most insurance companies will reduce the cost, it is obviously safer on base than out in a normal street. My company (Admiral) treat as garaged to reduce the cost.

Marty_jar

Quinn Direct get the worst ratings for customer services, as I found out recently myself.

Despite my claim having been at the "waiting for paperwork" stage for over 4 months, I've just been notified that they can't pay out after all!

Worst of all, I caught the caller lying repeatedly, he claimed black was white, was extremely aggressive, and avoided answering any questions, saying things like "You may interpret things that way...", when it was clear that he'd just been caught out in a lie.

I find that appalling level of service to be common from them, moreso than previous insurers...to be fair though, the guy recently (a Steve Bryan from Salford callcentre) really took the biscuit...