car insuarance for a 17 year old male

pconstable

iamana 1 a-ias, just a calculated guess, but i would say that you are either single or married with no children. Just to say there are plenty of bad drivers out there at all ages, whatever the statistics say. By the way, i am not a Grand par

A beef of mine is the amount of women on their mobiles as they drive round corners in their 4x 4. As for Marmalade, i think , you have to purchase a car from them, so all is not as it seems there.

pconstable

Kwaks, he is full time student in the lower 6th at school, i don' think i can be creative with that, the car we have paid a deposit for is in hardly "high risk", area, i would have thought, ie 1.2 fiesta, 2008. I did try editing with a 2005 sciento and didn't come up much cheaper. The pass plus, someone told me, they may knock off £200 but hardly pays for the course (altho it should make you better driver)

jlawes20389

I'm 20 so should have a bit of relevance to it. Have you tried Direct Line? They were the cheapest for me when i was 17. Had a peugeot 106 and my quote for the year was £1200 in my own name with both parents as named drivers.

After i got one years no claims bonus it dropped almost by half to £670ish and then down to £550 after 2 years. I purchased myself a new fiesta in 2008, 1.25 Zetec climate which i had a claim on later in 2008. I then ended up with Elephant with a price of £653. Its definitely worth looking around and playing the insurers off each other to get the prices down

rev_henry

pconstable wrote: »

Kwaks, he is full time student in the lower 6th at school, i don' think i can be creative with that, the car we have paid a deposit for is in hardly "high risk", area, i would have thought, ie 1.2 fiesta, 2008. I did try editing with a 2005 sciento and didn't come up much cheaper. The pass plus, someone told me, they may knock off £200 but hardly pays for the course (altho it should make you better driver)

I'm 18, when I first passed (similar time scale to my 17th as your son) I got quotes almost identical to you in my own car. So I drove my mum's car for a year and have just insured a Hyundai Accent 1.3 for £750 TPFT. Granted my car is old and not worth much, but it drops dramatically after you're 18 and have been driving for a year. Oh and I have done Pass Plus.

I'm afraid iamana1ias is right tbh. What have you been searching for if you haven't found any of these threads:

http://forums.moneysavingexpert.com/showthread.html?t=2222961

http://forums.moneysavingexpert.com/showthread.html?t=2206405

http://forums.moneysavingexpert.com/showthread.html?t=2198101

http://forums.moneysavingexpert.com/showthread.html?t=2197197

http://forums.moneysavingexpert.com/showthread.html?t=2090857

Please read through all those to save us all repeating ourselves. One thing I haven't mentioned before is putting occupation down as COLLEGE student rather than SCHOOL student. Tends to save a few quid.

pconstable

Rev Henry, my message was specific in quoting Boy, 17 years, car make and model, year . I skimmed through the threads you mentioned, some of them i had already seen and some were wrong age. Anyhow, i am resigned to pay the £2600, end of......

brooksie

My son insured his 10 yr old saxo in his own name before he passed his test for £1100 with quinn. He passed 7 weeks later, informed quinn who then wanted an extra £1500 as he was now higher risk as out on his own. We cancelled that policy and went to churchill comprehensive for £1500. A year later the price went down to £780. This was his own policy with me and his dad as named drivers. He didn't do his pass plus as that only really keeps cost down for a few years, he took and passed his advanced drivers test which should kep costs down for life, and they teach them different things to the pas plus. Personally i wouldn't touch Quinn with a barge pole, but you have to take the big hit when you have a teenage boy!

pconstable

Thanks Brooksie, £1500 for a 10 year old Saxo against £2600 for a 2008 Fiesta , was he 17 , probably about right

brooksie

Yes, he was 17, he insured a brand new peugeot 107 in november (at 18 1/2)for £938 , with zero no claims ( he won a car !) so had to start a new policy. It does come down if they stay claim free you just have to sit and wait!(and hope)

Kilty_2

If I were him I'd run the cheapest thing I could get a quote on for a year or 2 to build up no claims.

I'm now 19 and running a 2007 56 1.6 Astra with 1 years no claims and a fault claim @ £689.

Paying £2600 to insure that car for a year is madness. I could insure an Astra VXR for less than that now

brooksie wrote: »

Yes, he was 17, he insured a brand new peugeot 107 in november (at 18 1/2)for £938 , with zero no claims ( he won a car !) so had to start a new policy. It does come down if they stay claim free you just have to sit and wait!(and hope)

That's awesome

Jakg

First of all, DO NOT FRONT. If your son does more miles than you in the car, he is the main driver, and your insurance is null and void (hit something, cause a claim, you have to pay all of it + you get 3 points for driving without insurance...).

Secondly - do not bother will FC. If he claims, he pays the excess (£500+) plus the cost of that lost years NCD for the next few years (£500+ again most likely), plus the cost of the FC over TP in the first place (another £500). Thats £1500 already...

Last year (new enough for you?) I got my car, a Proton Wira (1.5L hatchback, group 11 for no real reason). With Quinn it was £1000 for the first year, but when I passed they wanted an extra £964 from me, so £2k for the first year. This was in my name, with my parents as named drivers, TPF&T. I then did pass plus which nocked £300 off the insurance.

This year, with 1 years NCD and being 18, my insurance was £1152 this year on the same car, and thats the best price I can get.

Unfortunately a new car such as a Fiesta probably will be expensive - lots of people buy "small" cars expecting them to be cheap to insure, but a lot are often written off - for the same insurance cost as my Proton I could insure a Mercedes C220 CDI...

My advice is "think outside of the box" and go for a cheaper first car. Cheap doesn't mean crap, for example £3k gets you a tidy focus...