Young Drivers' Insurance.

Jakg

RedBern wrote: »

not quite accurate sadly Jakg.

Statistically young boys are more likely to crash - and their prangs cost over £4k on average - which is why insurance for boys is more expensive. Insurance for young girls is cheaper as their 'bumps' cost, on average 'only' £2k. If there weren't so many expensive accidents involving under 25s, insurance wouldn't be so expensive but insurance companies have to load the risk accordingly. Not stereotyping - risk assessing.
PS may be old, but my music doesn't suck mate;)

Do young drivers have more accidents? Yes - I'm not disputing that. It was more the attitude of the poster of this gem:

I know one of the family's and the utter devastation they are going through so I feel strongly about allowing these children to drive.

Can they really get any more high and mighty?



BTW - The Who - Eminence Front = Awesome.

LittleMissAspie

negg wrote: »

Don't fall for 'no claims bonus accelerators' where you get a 'years no claims' after 10 months - these cannot be transferred to other companies since they are not one year.

Don't fall for the 'named drivers get a no claims bonus' - these cannot be transferred to other companies, you will get expensive renewal and as they will take the money but the insurance can be invalid if they find out he is the main driver.

I bought my first car at 21 and got insured on a 10-month scheme with Diamond. I kept the car for two "years", ie 20 months, then bought a classic car which Diamond wouldn't insure. So I got insurance with another company with 2 years no claims bonus.

My boyfriend learnt to drive two years ago. His mum put him as a named driver on her car with Direct Line, and we borrowed it occasionally. He recently bought his own car and did the usual ringing around/internet quotes. Direct Line were £200 cheaper because of the 2 years named driver no claims bonus.

botty

Our son passed his test on Friday and after the elation we were shocked to find that after 2-days of using the internet and phone that the cheapest quote we have got so far is £3,000 with Tesco. We knew it would be expensive but as some of his friends were paying less we didn't expect that much.

Many of his friends appear to have their parents fronting their policy and are paying less than £1500 - which we're not prepared to do.

So, it looks like a new Tesco credit-card with 12-months interest free and pay it off over the 12-months.

Any advice would be appreciated.

John_3:16

What car is he going to have?

Our 17yr old had a quote for £2000 for a clio. We know have him on the wifes car with a 19yr old as well. It is her car and he has to wait till he can have it as she uses it 4 days a week. We pay £77 a month for that from NU they have a new name now? Did'nt think that bad and he is happy as he still gets to drive with not much of the cost.

Add yourself to the quote as a named driver that can bring it down.

botty

Cheers John.

He has a Micra 1.2S - just done some more sites and Direct Line's quote is £2397 which is by far the lowest I have had (£600 less than the next lowest). I intend to ring them and advise that he is doing his Pass Plus so hope that there is a further discount.

BikerEd

botty wrote: »

He has a Micra 1.2S - just done some more sites and Direct Line's quote is £2397 which is by far the lowest I have had (£600 less than the next lowest). I intend to ring them and advise that he is doing his Pass Plus so hope that there is a further discount.

Did you try Elephant?

Can your son hold on for insurance until he has done his Pass Plus? Might be worth buying the insurance once he has it as the premiums should be lower. My daughter's Pass Plus instructor gave her a sheet of insurance companies that are known to give discounts for Pass Plus. Presumably your son should be given something similar. It's also worth noting that Pass Plus certificate can take a couple of weeks to come back after the last lesson as they are issued centrally, not directly by the instructor.

botty

Hi Biker, I haven't tried elephant yet - I tried but it said we had used it before so I'm guessing that my son may already have done so.

We will be holding on until he has done his Pass Plus - my son did receive the sheet with a list of companies that recognise Pass Plus. He's a desperate man - but he's going to have to wait...

dacouch

There are companies that willl allow the Pass Plus once you have started the lessons

SUESMITH_2

our son is 17 and he is learning to drive, the cheapest insurance we found was aviva of all people who came in at £700 a year, all the rest wanted well over £1000, some up to £2500 for an old corsa. they also charge no alteration fees, quinn who always come up cheaper are horrendous to deal with and charge hundreds to alter the policy when you pass - or at least they have done with all sons friends and our friends kids

jb66

botty wrote: »

Hi Biker, I haven't tried elephant yet - I tried but it said we had used it before so I'm guessing that my son may already have done so.

We will be holding on until he has done his Pass Plus - my son did receive the sheet with a list of companies that recognise Pass Plus. He's a desperate man - but he's going to have to wait...

why havent you used comparison sites like confused.com? Elephant and churchill are on there