Young Drivers Car Insurance (2004-2005)

savvy

Hi Skippy
Welcome to the site, I have moved your thread to here, in the hope that you may find some relevant info for your query
HTH
savvy

nearlyrich

If you have a search on this board this has been discussed and there may be some tips, have a look at www.confused.com as they search for the best deal. Son's are expensive on insurance my 18 year old paid £1400 after pass plus for first year. Obviously it depends on the car and where you live too.

TEDDYRUKSPIN

SKIPPY wrote:

Is Anyone Able To Recommend An Insurance Company Which Doesn't Charge The Earth For Young Drivers. Prefereably I Would Like To Start My Son Off With His Own Insurance From The Word Go. If I Can Find One That Doesn't Send Me Broke!!

It seems to be nowadays that moneysupermarket and confused.com do not do there job properly.

I am in the current situation and i have found that admiral insurance is your best bet. you can get the insurance down to around 1375 quid. try diamond insurance as well <although this is a woman insurance company>.
Suggest your kid to do his pass plus first.

Or you other option is to use you as the main driver and allow him to wait until he is over 25

rdwarr

We used Tesco for our daughter (was about £500 TPFT on a Clio) but they were much more expensive for boys. When our son reached 17 we added him to her policy which was only a bit extra.
Make sure you have a low group car as well. Some small cars (Saxo, 106 etc.) seem to rate much higher than others (e.g. Clio and Panda). Avoid "Boy racer" machines!

Drucie

My 17 year old son is currently learning to drive and in order to help him along, we have bought a little car for him. Insurance is very expensive for him on his own, but a bit better if I put myself as the main driver with him as a named driver. However, does this mean that I must put myself as the registered keeper on the V5 to get the insurance in my name. It's just that I really want him to have his name on the V5. Any advice anyone on the best way to go. Many thanks. Sue

Altarf

Do not even think about doing this.

Even if you register the car in your name, you *MUST* declare your son as the main driver if he is.

You may get away with the deception up until the point you come to claim, then the insurance company will just walk away.

newfunk

Why dont you insure him with you as a additional driver! Ive just done this with my girlfriend who is 21, on her own its £500 a year, with me its £354

Drucie

Thanks for your replies. Yes I do understand about him being the main driver, but at this stage he will only be driving when I'm with him. But yes, point taken. As far as adding me as the named driver, it doesn't seem to help much becuase I already have a car of my mine and accumulated 9 years NCB, which of course I want to keep on my main car. So I'm starting with zero NCB although I have loads of years driving. With me as an additional driver and my son as main driver, the best I've come up with with is £1780.80 and the other way round is £1464.75. Obviously the only draw back having my son as a named driver is that he won't be accumulating any NCB in his own right. This is such a dilemna. Also, would you believe the car I have bought has alloys on, which I don't know if they are original or not, and this insurance company won't insure my son if they stay on the car!!!! Hello!!! God this is all too much!

Drucie

The other thing I didn't mention, is that if it's in my son's name then he has to pay all the premium up front because he's too young to pay monthly (even though I would be paing it). If it's in my name, I can pay in instalments. Any other ideas would be very welcome, especially if anyone knows of a cheaper insurance company! Thanks so much.

JimArnold

there are - or at least were - insurers that would allow you a% of your ncd on a second car so you didin't start from scratch

But as already said if the insurance companies have even the merest suspicion taht you have not been 110% up front then they'll take you money but walk away when you make a claim - the cheaper ones will do it even quicker - that's one way to keep costs down avoid paying out if possible