Help daughter almost 17!!!!

christmas_carole

Hello everyone,

I'm asking for help and advice as to how to get a good deal on car insurance for a soon to be 17 years old daughter, ive had a look and thought about buying her a small car ie ford Ka/Fiat Punto for around the £1000 mark but the insurance with me as owner and her name on it is coming out at around £1600:eek:

Any money saving ideas out there please?

pulliptears

Had the same problem with DS who was 17 last week. Couldnt get anything insured under £2k.

Best advice I was given was insure him on my car as a named driver and then let him use it occasionally before he gets his own maybe next year.

LandyAndy

christmas_carole wrote: »

Hello everyone,

I'm asking for help and advice as to how to get a good deal on car insurance for a soon to be 17 years old daughter, ive had a look and thought about buying her a small car ie ford Ka/Fiat Punto for around the £1000 mark but the insurance with me as owner and her name on it is coming out at around £1600:eek:

Any money saving ideas out there please?

That quote doesn't look too far out.

Does she need her own car?

What sort of car do you have? Could you add her as a named driver?

When we bought new cars recently one of the reasons for one of them being a small runabout (Mazda2) was that we might be able to add our elder son to the insurance when he turns 17 (August 2011).

ETA: my post was so slow pullip beat me to it.

christmas_carole

LandyAndy wrote: »

That quote doesn't look too far out.

Does she need her own car?

What sort of car do you have? Could you add her as a named driver?

When we bought new cars recently one of the reasons for one of them being a small runabout (Mazda2) was that we might be able to add our elder son to the insurance when he turns 17 (August 2011).

ETA: my post was so slow pullip beat me to it.

Thanks to you both,
My car is a Hyundai Coupe so not really suitable for her to learn or drive in, its too big and tbh I'm scared she'd wreck it, its my pride and joy.
She doesn't 'need' her own car but is desperate for one, we bought eldest daughter one for her 17th so she's expecting same treat, even though since then me and her Dad have seperated and are almost divorced so financial situation has changed considerably
I'd love to help her out as much as i can but it's hard.

LandyAndy

christmas_carole wrote: »

Thanks to you both,
My car is a Hyundai Coupe so not really suitable for her to learn or drive in, its too big and tbh I'm scared she'd wreck it, its my pride and joy.
She doesn't 'need' her own car but is desperate for one, we bought eldest daughter one for her 17th so she's expecting same treat, even though since then me and her Dad have seperated and are almost divorced so financial situation has changed considerably
I'd love to help her out as much as i can but it's hard.

I think you just have to tell her now that it isn't going to happen. She should be old enough to understand that circumstances are different.

Lil306

Best cars for insurance are Fords, Fiat, Peugeot and Citroen

Namely (Fiesta, Punto, Saxo, 206, 306)

They're all low insurance groups so shouldnt' cost too much to insure. If you got a car you could see if your policy allows you to have them as a named driver, but they have their own seperate no claims built up (I think some policies allow this)

mikey72

At the risk of being really smug, the best quotes for my daughter, 17 shortly, are £600 for one year on a provisional licence, with a pro rata refund subject to a £50 fee when she passes her test, then £550 for a year on a full licence, with breakdown cover included. Her car, registered and insured in her name.
(It's on an 998cc 20 year old classic mini)

LandyAndy

mikey72 wrote: »

At the risk of being really smug, the best quotes for my daughter, 17 shortly, are £600 for one year on a provisional licence, with a pro rata refund subject to a £50 fee when she passes her test, then £550 for a year on a full licence, with breakdown cover included. Her car, registered and insured in her name.
(It's on an 998cc 20 year old classic mini)

I think a lot of parents would look askance at the safety features of such a car when letting their children out on their own.;)

I think you can get equally cheap insurance for a number of mainstream classics.

Lokolo

Cheapest for me was just over £1500. TFT. Car value, £150.

DirectLine was cheapest for my friends and myself. However we were all male...


After first 2 years, if you get 2 years no claims, it goes down quite dramatically.

Now 21, no no claims as I lost them. £500.

Lil306

Also, get her to do pass plus. It can help save money considerably

mikey72

LandyAndy wrote: »

I think a lot of parents would look askance at the safety features of such a car when letting their children out on their own.;)

I think you can get equally cheap insurance for a number of mainstream classics.

It's got all the safety features a 17 year old needs. It's slow.