Car insurance for 17 year olds

Jodun

Hi there

I have twin boys who have recently turned 17. Both of them hope to be driving by the end of the year. One of them already has a car, an X reg 1.2 3 door Fiesta. which he bought for the bargain price of £70. I've done a quick check on a couple of insurance comparison websites so that we can get an idea of how expensive their insurances will be, and so far the best I've have for the Fiesta is £2700:eek::eek::eek:! Now we all knew that it wasn't going to be cheap but that's extortionate! That's in my name and for third party only, and for only one of the boys!

Does anyone have any recent experience of insuring a new young driver? Any hints and tip would be much appreciated - we don't fancy spending the best part of £6k for their insurance!

Lokolo

Have you tried DirectLine?

Also if he is the main driver of the car, it should be in their name, not yours.

cajef

Jodun wrote: »

Hi there

That's in my name and for third party only, and for only one of the boys!

That is known as 'fronting' and is illegal, if the insurance company find out they could null and void the policy and you could find yourself liable for thousands of pounds in the event of an accident.

If the car is his and he is the main driver it should be insured in his name, you could reduce the costs by adding yourself as a named driver.

Jodun

On both of the comparison sites the quotes were in my name with him as the main driver.

Lokolo

Jodun wrote: »

On both of the comparison sites the quotes were in my name with him as the main driver.

Whats the point in that?

Also why are you looking? Can't they? It's there insurance, they're paying for it.

Also DirectLine and Aviva aren't on compairson sites.

Mini_Bear

i would also find out which insurers allow pass plus and insist yopur boys do that too. i think theres no getting away from the fact insurance in the first yr will be over 1k and probably over 1.5k for boys. cheapest for me was £900 at 17 and im a girl on a 1.1 saxo 6 yrs ago - insurance has def got more expensive! im a triplet and we all passed at same time, my dad had to help my brother out wiv insurance cuz his was double mine and my sisters. dad insisted we all had our own insurance and not have our parents named on our policies.

BenL

Are they getting driving lessons from a driving instructor as well?

There are lots of reports on here as well about insurance companies putting up the premium a lot when a full licence is gained. This is due to the fact that a young lad will no longer have an experienced person alongside them and are more of a risk than on a provisional.

Another problem maybe that 17 y/olds might not be eligible for monthly installments as they are not old enough to have a credit agreement.

Quentin

Mini_Bear wrote: »

dad insisted we all had our own insurance and not have our parents named on our policies.

There is no reason why not.

It often does reduce the premium to add a mature driver with a good record, and is quite acceptable.

(What is not acceptable is parent taking out the insurance and pretending they are the main driver when they are not!)

aylesby

My daughter got a £100 voucher from the council towards her pass plus costs of £150 following a tip from her driving instructor. This will go on to take as much as 20% off her direct line costs.

hartcjhart

go here for the insurance untill they pass it will be in their names and charged mothly untill pass

http://www.provisionalmarmalade.co.uk/

my brother used it for his son

cjgoodsell

Its correct what other are saying if its your son's car and hes main driver he must have the insurance. Plus if he gets the pass plus he can use the pass plus discount on his own policy (which he couldnt if it was possible to have him on your policy).

The 1 problem you may find that most companies wont give direct debit for 17 year old's. I know Direct Line didnt at one point but not sure on aviva.

Your best bet is visting or calling a local broker their premiums may be higher. I know swinton offers credit for 17 year olds but have to have a parent or legal guardian as guarantor and with id etc.