Young driver car insurance

Ford_Prefect_4

Officer_Dibble wrote: »

One would hope he's already learnt to do that by now.

Maybe you should teach him how to earn, if that's how much his insurance is gonna be.

What I meant was, learn to walk to all those places he wants to drive to now.

He does earn, but he's also a full time student, so he would contribute to the cost of running the car but not if the insurance costs are this horrendous!

catflea

Do you already have the Fester or is it a prospective purchase?

Reason that I ask - for the younger driver classic motoring can be a good way to get going. Ring up some classic insurance companies (Herts Insurance - HIC, Footman James) and ask for quotes on cars like Morris Minors or Beetles - you might be suprised. They are also a great way to learn roadcraft as you actually have to DRIVE them rather than rely on all the computer gimmickry

charlea

try young marmalade ( just google it )

i got my step son 1100 fully comp in his own name with his dad as a named driver on a vauxhall corse 1.1

He is 18 and a student and only passed about 3 months ago

his car was not as expensive as your around 1200 but as young marmalade do a blanket deal for car insurance the higher price of 1550 is availble on there own brand new cars as well so i would imagine it would be the same for your car

only thing is he is not allowed to drive between 11pm and 5 am in the morning they put a tracker on the car and if he dose drive he is fined 45 pounds if the car is not at home at that time :j

if he didnt want the tracker it was 1550
he had to do the pass pluss but it was worth it

i just did a quote and they quoted Your postcodeDriver gender Male Female Driver age 17 18 19 20 21 25 + Up to 1250cc (a)Up to 1400cc (b)£1,134£1,392


(a) Excluding turbocharged engines, (b) Including Renault 1.2 litre turbocharged engines and diesel turbocharged engines


this is how it works

A GPS, black box is fitted to your car and this lets the insurer know if the car moves in the "Red Hours". The insurance is still perfectly valid but you incur a supplementary premium of £45 per night if the car is used during this time.
Parents have welcomed the moves to ensure their loved ones do not become part of the casualty statistics. Young drivers also recognised the benefits of significantly cheaper insurance and accept the steps taken to keep them safe.
The Young Marmalade Taxi subsidies

If you take up the Young Marmalade scheme we will help you with taxi fares. Rather than you being the taxi for your friends, many of whom don't want to drive, we will reimburse up to £10 per month for the first 12 months to help you with the cost of taxis. Simply send in the receipts and we will reimburse you.

Yet another groundbreaking safety move from Young Marmalade - the young driver specialists

Some of the relevant FAQs about i-kube

1. Is there a limit to the number of times I can drive in the "Red Hours"?
   There is no limit to the number of times you can drive in the "Red Hours"; however, the i-kube young drivers car insurance scheme is in place to help you save money. If you will be frequently driving your vehicle during the "Red Hours" then perhaps i-kube is not for you.
2. Do I still earn a No Claim Bonus on i-kube?
   Yes. When it comes to earning No Claims Bonus or No Claims Discount, i-kube works no differently to any other insurance policy. On completion of a full term of insurance (12 months) you will accrue one year No Claims Bonus of 30% which can be transferred to your next policy at renewal. This is subject to there being no fault claims during the life of the policy.
3. Am I able to alter the "Red Hours" to suit my own needs?
   Unfortunately not. The "Red Hours" are in place to protect you. Road Safety statistics prove that young drivers are more likely to be involved in road accidents during the "Red Hours".
4. Does my vehicle have to be parked at my home address during the "Red Hours"?
   No. As long as your vehicle is not being driven or moved during the "Red Hours" then your vehicle can be parked up anywhere in the U.K.
5. Other drivers on the policy
   One parent may be included without affecting the premium (subject to a satisfactory driving history) - more than one additional driver may have an adverse affect on the premium.

The small print

Ford_Prefect wrote: »

I'm trying to get a "sensible" insurance quote for my 17 year old son, who passed his test 4 months ago, to drive a 6 year old Fiesta.

The cheapest so far has been close on £4K (the highest was the AA who quoted £11,951.82 fully comp :rotfl:). The car is worth £3K to £3.5K.

I've tried various on-line quoting sites, but wondered if anyone can suggest some specialist brokers who could help.

Also, the car is registered in my wifes name, would it make any difference if it was registered in his name (it won't be his though).

Any suggestions (apart from the obvious - give up!) would be much appreciated.

fakeplastictwee

I only passed a couple of years ago, and whilst my insurance wasn't as high as the quotes you're getting (I'm female and in my 20s which makes a difference), I found that putting my dad on my policy, and only insuring myself third party, fire and theft, brought the price right down.

Having said that I only had a cheap old car to get used to the roads in, so it didn't matter that I wasn't fully comp.

Hadrian

catflea wrote: »

Do you already have the Fester or is it a prospective purchase?

Reason that I ask - for the younger driver classic motoring can be a good way to get going. Ring up some classic insurance companies (Herts Insurance - HIC, Footman James) and ask for quotes on cars like Morris Minors or Beetles - you might be surprised. They are also a great way to learn roadcraft as you actually have to DRIVE them rather than rely on all the computer gimmickry

......for a modern young lad! You have to be joking. Most of todays lads have little or no self worth and therefore a car is one way of bolstering up ones self esteme. I know youngsters who won't travel in their parents small Corsa because if they were to be seen they'd be laughed at. "Look at me I have a Vauxhaul Corsa" doesn't sound as street credible as "Look at me I have a "Golf GTI, with a brain numbing stereo system in the back". Get real. Let them learn to walk, or let them pay for tax, insurance, MOT's and servicing etc. When they can't afford to drink/smoke themselves silly on a weekend maybe they'll have second thoughts.

iolanthe07

When they can't afford to drink/smoke themselves silly on a weekend maybe they'll have second thoughts.

Lots of them just drive uninsured. The punishment if they are caught is pathetic.

catflea

Hadrian wrote: »

......for a modern young lad! You have to be joking. Most of todays lads have little or no self worth and therefore a car is one way of bolstering up ones self esteme. I know youngsters who won't travel in their parents small Corsa because if they were to be seen they'd be laughed at. "Look at me I have a Vauxhaul Corsa" doesn't sound as street credible as "Look at me I have a "Golf GTI, with a brain numbing stereo system in the back". Get real. Let them learn to walk, or let them pay for tax, insurance, MOT's and servicing etc. When they can't afford to drink/smoke themselves silly on a weekend maybe they'll have second thoughts.

Thanks for that, I'm only 25! (And a Lad!) I cut my teeth in a 1964 Morris Minor Traveller! Everyone is different and my suggestion is perfectly valid. The fact that I had something unusual worked very much in my favour at college & uni! (if you know what I mean )

Are you implying BTW that the OPs son has no self worth and drinks/smokes himself silly at the weekends? I think you need to take a step back and realise that not all youngsters are chavvy little so and sos.

The beetle has always been a "cool" car and the minor is starting to enjoy a bit of a renaissance too

tomstickland

Try some specialists such as Adrian Flux, Greenlight, Liverpool Victoria.

If that fails then use the comparison sites to find a car that will be cheap enough to insure, sell the Fiesta and buy a cheaper to insure car.

Tagsy87

i passed my test at 18 as a full time student and bought a 306 dturbo the insurance quotes i got at first were horrendus then i tried phoning elephant and put my name first and my mums name second with the car in my name and i got it for 900 if you laugh off the stupid quotes eventually someone will be reasonable. i got a 1.8 turbo cupra at 19 and the insurance was 600 due to doing the same thing

girlordnyu

danjones wrote: »

I would say try Admiral or an I-Kube policy for the cheapest quotes. The I-Kube policy i had when i was 18, on a 1.2 micra. Cost around £980 but you can't drive between 11pm and 5am.

I was thinking about calling i-kube about a peugout 206 1.1. 18 yr old girl best quote just over 1500 but I was told by my mum that a fully comp policy means you can drive other peoples car withe equiv of TP if that makes sense and the i-kube says it is fully comp so say i needed to go out after 11pm could I not just hop in her car without the extra charge?