Help daughter almost 17!!!!

christmas_carole

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)

Hi Mikey,

That sounds like a great deal!!! any chance you could tell me where you got if from please :j

christmas_carole

vaio wrote: »

and there are other advantages to no back seat where 17 year old daughters are concerned

OMG as if I haven't got enough to worry about :eek:

mikey72

christmas_carole wrote: »

Hi Mikey,

That sounds like a great deal!!! any chance you could tell me where you got if from please :j

Provisional is from

http://www.collingwoodannuallearners.co.uk/

(different site to http://www.collingwoodlearners.co.uk/ for some reason, they're dearer)

Full is from http://www.footmanjames.co.uk/ and membership of the

http://www.britishminiclub.co.uk/

Both policies are tpf&t, no point is being fully comp, if she makes a claim for her own car in the first year, the ensueing insurance increases will be far more than she'll ever get back, and I've told her the next car is a Reliant Robin if she stuffs this one as well. (When she can afford one again)

As it is, the mini she has is sound, and wasn't alot more than any other small car.
She's wanted one since she was born I think, so we think this one will be ok for a few years, and then she can either move up to a classic mini cooper, or we can spend a few pounds and start to restore this one properly. They hold their value, so re-sale shouldn't be bad.
(She wants the Beach Buggy when she's 21, so I have to distract her somehow, to be fair she wants it now, but apart from the insurance cost, it's mine, 21 just seemed a good age to put her off to.)

Remember it is a classic car policy from footman james, not a mainstream policy.
The policy doesn't accrue a no claims as such, but they will provide proof she has had insurance and has driven (hopefully claim free) if she ever changes to a "normal" policy, which is accepted by some insurers who will then provide a comparable introductory discount.
tbh, the reduction in premium now more than compensates for this, even if no-one would accept it, having got quotes for something like a 106 over the next few years with/without no claims, if she drove on the policy her age increase reduces the premium faster than a no-claims if she switched.
(Saying as the next bigger car she liked was a Hillman Minx, with a red leather interior, I don't think it'll matter to her)

hartcjhart

while learning try these people, you can pay bi-monthly

http://www.provisionalmarmalade.co.uk/

Shoshannah

mikey72 wrote: »

(Saying as the next bigger car she liked was a Hillman Minx, with a red leather interior, I don't think it'll matter to her)

Not a lot of those left are there?

xxlaurissaxx

I got a Toyota Yaris 0.998l for my first car. It was only £880 insurance with Direct Line Fully Comp (my own insurance). Why not get her a small engine car as insurance will be cheaper. HTH xx

mikey72

xxlaurissaxx wrote: »

I got a Toyota Yaris 0.998l for my first car. It was only £880 insurance with Direct Line Fully Comp (my own insurance). Why not get her a small engine car as insurance will be cheaper. HTH xx

Is that recent, we just checked, her best quote was just over £1500 fully comp on a full licence at 17, for a 2001 model with direct line.

mikey72

Shoshannah wrote: »

Not a lot of those left are there?

There are still a few, and they're not overpriced yet.

jackieb

My son passed his test at 17. Husband wouldn't put him on our insurance. He had to make do with getting a job with the council and driving their van, until he was old enough to buy and insure his own car at 21. I'm a bad mother!

mikey72

hartcjhart wrote: »

while learning try these people, you can pay bi-monthly

http://www.provisionalmarmalade.co.uk/

They only insure the learner to drive another car with it's own insurance already, ie mum or dads car, advantage is if the learner crashs it doesn't affect the car owners insurance. They won't let the learner insure a car in it's own right though.
Collingwood insurance is for a car that the learner owns, so it can be used to tax the car as well. We went with them as my daughters car is in her name, with me as a named driver.