Young Drivers Car Insurance (2004-2005)

LumpyBumpy

I insured a polo about 9 months after passing my test (I was 18 and sorry, but also female) but I too was quoted a stupid price. However, I found that at the time (this was a few years ago now) Provident did a young persons insurance where if you insured for just 6 months and then went on to insure for a year with them you got a no claims bonus-that made a big difference to me. Maybe try popping in to a local broker as they are use to dealing with these sorts of things and they definitely pointed me in the right direction. Also, I belive that VW's generally are expensive to insure regardless of your age.

I am currently shopping around for insurance (not for the polo though) and have found that Churchill are by far the best value for money. As a male, my boyfriend found that Tesco were considerably cheaper for him at least for the first year after passing his test.

Good luck, finding reasonable insurance for the young driver is no task for the faint hearted!!

maclean2

Try https://www.liverpoolvictoria.co.uk and hopefully they will quote you some more reasonable prices.

Their service has a good reputation for claims handling and administration.Hope this helps.

Savvy_Sue

skippy64 wrote:

Has anyone got rough figures from when they put their son/daughter on their current car insurance what amount to expect in increase in premium. I've just rung current insurer (Direct Line and was quoted extra £147 at this point now, as insurance due for renewal mid-December) and to follow this through I presume this means an increase of approx £900/ extra £75 per month on my current annual premium which is only £280 approx on a Ford Fusion 2003 reg car !!!!
I know things do cost these days but I would appreciate any feedback from fellow MSE members that have or are currently putting their teenager on their car insurance.
Many Thanks, Skippy

It would depend on the car. When I first asked about insuring our son we had a different car and they said "No way, not nohow will we insure anyone under 21 who hasn't held a full licence for at least a year to drive one of those."

I know it's expensive to insure them, but you do have to bear in mind that they do tend to have accidents! Our lad seems a pretty sound driver to me, almost prefer him to my OH (but don't tell OH!), but one of them has defaced the back corner of the car getting it off the drive! Given that my OH has been doing this for years without problems, it's almost certainly my son, who had "no idea" anything had happened. He did say "sorry!" you'll be pleased to hear.

carol_a_3

I put my daughter on my car last year a month before her test so she could practise and they quoted me £30 for a month. When she had passed it renewed in October and I had to pay an extra £300 on top of the usual £190 odd.

feival

I haven't read the full chain here but I do have a good tip that served me well in the past. When I was 26 and had just passed my test getting insurance for a 3 year old Escort 1.6Si was very difficult. Typical quotes were £1300 FC. One of the brokers recommended I bought Max Power magazine and call the brokers in the back since htey specialise in high risk clients. I did this and eventually got it down to £600 - a lot of cash but a hell of a lot less than other quotes. I recommend this for everyone who is potentially categorised as a boy or girl racer!

paly

I wondered if anyone could help me with this PLEASE!
I have protected no claims with More Than and I want to help teach my 17yr old daughter to drive in my car. They dont offer any cover for provisional drivers and I cant find anything cheaper than near £1000+ annual cover. My car is probably less than £3000 value.Can anyone advise the best way to do this please?
One insurer sugested that it would be cheaper to send her on an intensive driving course than pay insurance on my car and driving lessons!
Thanks

maclean2

Try
https://www.liverpoolvictoria.co.uk

They are usually among the cheapest when adding 17 year old to parents policy.However they are not cheap any more for a policy in the name of a 17 year old.

gizmoleeds

paly wrote:

I cant find anything cheaper than near £1000+ annual cover. My car is probably less than £3000 value

I'm afraid, as an 18 yr old, I have to tell you that that is about average really. I know many people who pay more than the value of their can annualy for insurance.

Unfortunately it seems that us young people crash so often that the insurance companies have to put very high premiums on us in order to make a profit. (Although, some are convinced it is just a conspiracy :rolleyes: )

rdwarr

I think the best thing to do is buy her a 10+ year-old Renault Clio 1.2RL (not an RN - it's a group higher) and insure in her own name with Tesco. This may cost £1200 or so in the first year (including the car) but will soon drop as she (hopefully) builds up some NCB. Add yourself as a named driver.
And if the worst happens your own NCB will be intact.
I do speak from experience - my daughter is now 21 and has 4 years NCB!

nads

Hi,
I think you should spent a lot of time at http://www.insuresupermarket.com seeing what combination works best e.g. You as the main driver or your daughter.

I can't rememebr their name but there is an insure on that site for first time drivers\learners.

Also try confused.com and screentrade.co.uk (my fave)

https://www.Parkers.co.uk is good to find insurance groups for cars as well.