Car insurance for my 17 year old son?

MFWannabe

markbass wrote: »

Just tried them now online and they can't quote me apparantly with the information i provided, so maybe they don't like new drivers, by the way to all that have replied with advice, i tried putting myself on as a named driver and put my son's cover as TPFT and low and behold a whopping £500 cheaper nearly!!! with ecar insurance, they quoted me £1,845 ..still horrendous but getting better:T

Try calling Directline. They were by far the cheapest with my partners daughters insurance. Have you tried a comparison site like Money Supermarket?
Also if you put yourself on as a named driver it also might bring the premium down.
Do try Fully comp as this is usually cheaper; although a lot of people don't think it will be.

hope this helps

bouncydog1

There are several threads on here relating to insurance for 17 year old drivers. Unfortunately young male drivers pay more for their insurance because statistics show they are the highest risk (please don't take this personally).

Best bet is to search the threads and have a look at the various posts. Try a local broker (apparently not Swinton according to various posts on here) and see what they can come up with.

It may also be worth trying your own insurers, as they may be more helpful. My OH and I have two vehicles, both of us are "mature" drivers with good (keeps fingers crossed) claims experience and full no claims bonus.

Our existing insurer was prepared to put a further vehicle on our home fleet policy in our 17 year old daughter's name, giving an introductory bonus of 40%. Driving is limited to 3 of us on her vehicle and she is not allowed to drive the other two because of the groupings. Yes, I do appreciate that we may have to stay with them for a while, but the quote was very good - there is a £500 excess on the policy.

Another insurer was also prepared to give a good quote because we have other policies with them.

I would try this avenue first and remember cheapest is not always best - you basically get what you pay for.

Diesel44

Hi Markbass, know the feeling, trying to get your 17 year hooked up with insurance.
My 17 year old son passed his test in October, all he wants to do is get a car and drive.
He has just taken the Pass Plus course, this takes a couple of hundred off the price.
Also a good tip I received was, if his 18th birthday is close, wait until he is 18, my son will be 18 on the 19th of February, this also drops the price by a couple of hundred pounds.( This is with him being the main driver)
The companies I have got good quotes from is Endsleigh Student Insurance- £1502 TPFT. My own insurance company, LV - £1575 fully comp and Adrian Flux -£1425 TPTF These are all quotes on a 1.2 1999 Corsa.
There are companies that will give you a good quote if you do not use the car between 11-00pm and 5-00am ( not got down this route yet)
The one thing that puzzles me is that all these quotes are for my son on his own, as soon as I add either my wife or me as a named driver, the quotes goes up.
Hope this helps.

markbass

Hi Diesel44, i will give those insurers you mention there a try, thank you and a big thanks to all that replied with advice, you can sort of understand why insurance companies set high premiums for new drivers but to the astronomical levels they seem to be at now, i don't personally think that can be justified, makes you wonder what sort of premiums get quoted to the old folk of 70 + that pull out in front of you at roundabouts without even looking, relying on others to drive for them!! all seems a bit ageist to me but i shall strive to find a cheaper quote over the coming weeks.


Thanks Mark.

pconstable

Just to let you know, that i started a thread a few weeks ago on the same subject. I searched for likeminded threads and then started my own. There were some helpful replies and some unwelcome replies. I have a son of 17 who has passed his test. Tried all the "go compare" type sites as well as others. In the end i went with my own insurance Churchill, who matched Quinn Direct. I have to say, this was down to me and not anyone else on here. The sum paid was £2,400 for fully comp for a Fiesta 2008 owned by my son and in his own name, with me and wife named drivers. At least he is earning his NCD, and next year it will. hopefully, be a ot lower. However, the cost is horrendous. I had no idea.
I bet many are breaking the law by having their offspring as named drivers when they are actually the main driver. Some, of course, by ignorance, which is no defence.

pconstable

oday 1:42 PM
pconstable Just to let you know, that i started a thread a few weeks ago on the same subject. I searched for likeminded threads and then started my own. There were some helpful replies and some unwelcome replies. I have a son of 17 who has passed his test. Tried all the "go compare" type sites as well as others. In the end i went with my own insurance Churchill, who matched Quinn Direct. I have to say, this was down to me and not anyone else on here. The sum paid was £2,400 for fully comp for a Fiesta 2008 owned by my son and in his own name, with me and wife named drivers. At least he is earning his NCD, and next year it will. hopefully, be a ot lower. However, the cost is horrendous. I had no idea.
I bet many are breaking the law by having their offspring as named drivers when they are actually the main driver. Some, of course, by ignorance, which is no defence.
13-02-2010 9:17 AM

wallbash

You went the right way , and yes next year will be a LOT cheaper.
By year three you can actually look at the quote without feeling sick.:D

pconstable

Yes, btw my thread was on the motoring secting

Apricot

I was 17 when I passed my test and found the cheapest to be Tesco - I paid about £120 per month which was horrendous but once I had one years no claims it dropped significantly.

buzz41

hi my son insured his 1996 1.2 corsa last year when he was 17 that was e- car insurance who came out cheapest on almost all the comparison sites that was for tpf&t insurance and cost 1400 so yours sounds very dear tho could depend on where you are we are in the midlands