Young Drivers Car Insurance (2004-2005)

MarkyMarkD

Hi there dizzy and welcome to the site.

I would take the test in an instructor's car, if that's the one you are used to, and not worry about 20 hours in your own car until you've passed your test.

The best way for young drivers to get a reduced premium is the Pass Plus scheme, which means a few extra post-test lessons in things like motorway driving. Not all insurers subscribe to it, but Churchill do according to this site: http://www.drmdrivertraining.co.uk/passplus.html which describes what's involved.

Other suggestions include adding your elderly parents/other relatives as additional drivers on the insurance (making sure that you are honest about you being the main driver, if that's the case) which for some reason often reduces the premium, keeping the car off the road, or preferably in a garage, which also leads to a reduction, taking a larger excess or insuring third party fire and theft.

There are many ways to reduce your premium, but £722 doesn't sound that awful for a first timer IMHO compared to some I've heard.

I doubt anyone will let you pay monthly, as you can't borrow until you are 18. Can you get a relative to pay the full premium and pay them back monthly?

Good luck and let us know how you get on.

savvy

Hi dizzylizzy

I've moved your thread here as you should be able to find some more information on your situation.
Good luck
savvy

champion_uk

I have been reading this article on how to find cheap young drivers car insurance. Please check this article you may like it

How to find young driver's car insurance for cheap?

NellyLock

ok im not 17 but i am still classified by insurance companies as a "young driver", i recently got my insurance fully com on my own name from http://www.bell.co.uk/ insurance

it was a LOT cheaper than almost all others ~£1000 cheaper! (im male 21 passed 4 years and getting insurance for a 2year old 1.6focus) at £641 for 10months...they have this 10 month no claims accelerator...i have read that these are usually rubbish but bell garuanteed after 10 month a certificate would be sent out which would be valid for all other insurances....

have a look over there - i dont know what itll quote like for 17year olds though so sorry.

oh and edit...if you have a couple of people with a LOT experience of driving and no points etc in your family remember to add them to your quote even if they are never going to drive the car - my parents (altho they may need to drive mine) brought the cost down by about 100£ just because they had 5yrs+ license and over 25
neil

maclean2

One company which might be offereing you competitive prices is Quinn Direct.Based on Wiltshire for your details their price is £689 for 12 months but about £440 if you can show you have been a named driver on another policy for the last 4 yrs.

Despite what Bell say wordon the street is that a lot of companies will not accept 10 month policies as proof of a full years NCD.

Best of luck

Savvy_Sue

Bit the bullet yesterday and added eldest son to insurance for our (newish) car for a couple of months until he hopefully disappears to Uni. No discount for the fact that he's done PassPlus, which seems a bit mean to me, he would get it if he had his own car, but he doesn't want his own car anyway, and certainly not just for a couple of months! Only added him because I can't drive at the mo, and thought it would be useful to have an extra chauffeur in the family.

Having been out with him, my advice to all others thinking of adding new drivers to YOUR car is that it takes a while to get used to driving a new car. I hope the smell of burning rubber disappears quite soon - not from squealing off at speed, just from trying to get the car onto an awkward steep drive when he can't quite get the hang of clutch control in first gear!

I have to say he's quite impressive, I've winced a few times as I've waited for us to clip the kerb, but we haven't, and he sometimes seems further across the road than I would want to be, but it's never been when there's traffic coming towards him so he's certainly aware of what's on the road.

Now just trying to work out if my DH will ever pluck up the courage to be driven by son, and whether I have the courage to let DS take youngest son out alone - not because I don't trust eldest's driving, I don't trust youngest not to wind him up!

whyhellothere

Hello can anyone recommend a car insurer for a 19 year old lad had two minor inciddents

who is the cheapest

TIA

dunstonh

No-one can really answer that as it varies with make of vehicle, area, occupation and a number of other things. A company who is cheapest for one person can be the most expensive for another.

A night with the yellow pages ringing the freephone numbers or spending a bit of time on the internet may be the best thing to do.

whyhellothere

thanks for that i will get hime to have a look


Cheers

maclean2

Hi - slightly more scientific than ringing everyone in yellow pages ! suggest you try
https://www.elephant.co.uk with as small a car as possible say 1.0 or 1.1 litre.Also
https://www.motorquotedirect.co.uk
https://www.directchoice.co.uk