17 Year Male Old Car Insurance

Charity_Dalek

I appreciate that this subject has been covered many times before, but I have:

• reviewed the previous threads on this forum
• run numerous quotes on the comparison website (different cars, different excess, etc)

I am still unable to find a reasonable quote for a male of 17 years old. The best I can find for a Group 1 car is between £3500 to £4500.

When I researched this about 3 months ago, I was looking at around £2000 from Quinn Direct, but they are now no longer trading in the UK.

Anyone recently purchased car insurance for a 17 year old male that obtained a reasonable quote?

Thanks

Robert

adamc260

My first ever policy on a 1998 ford fiesta with TPF&T was only £1600.

Insurance companies must hate young drivers now (that was only 4 years ago!)

Try admiral or any EUI group (Bell, Elephant, Diamond) and also consider wacking the excess up and buying excess insurance http://insuremyexcess.com/.

Alison_B

My son is now 18 and has had his own policy for a year. The first year we went with Quinn Direct and that was just short of £2000 for third party fire and theft. We looked around when his policy was due up this year and the cheapest we could get for third party fire and theft was again just short of £2000 or fully comprehensive was around £2600.

I got a quote from Towergate and they quoted me £1850 for fully comprehensive but I am not sure if that is because I have recently joined FSB. Might be worth giving them a call to see if they can quote you.

My son has a 52 plate 1.2 8V Fiat Punto.

Lokolo

DirectLine. Try them too.

Also try different locations. I found parking on the road made my quote cheaper than parking on the driveway (lol).

Lil306

Charity_Dalek wrote: »

I appreciate that this subject has been covered many times before, but I have:

• reviewed the previous threads on this forum
• run numerous quotes on the comparison website (different cars, different excess, etc)

I am still unable to find a reasonable quote for a male of 17 years old. The best I can find for a Group 1 car is between £3500 to £4500.

When I researched this about 3 months ago, I was looking at around £2000 from Quinn Direct, but they are now no longer trading in the UK.

Anyone recently purchased car insurance for a 17 year old male that obtained a reasonable quote?

Thanks

Robert

There are a lot of factors which account for variety in insurance

• Car Registration (if not can you give the make and model)
• Postal Code (usually the first part is enough, i.e mine is DH6)
• How long you have passed
• Any qualifications (i.e pass plus - it does help with some insurers)
• Any convictions
• Annual mileage
• Type of use (social, domestic, and pleasure + commute to work)
• Business use policy too

When I first passed (think I was 19) I was paying 1900F&T on a Peugeot306TD, it was only group 5 but 1.9 Diesel with a Turbocharger meant it had some poke behind it when I needed it

I could have found cheaper but didn't bother looking around.

If you REALLY can't find a cheaper quote, if you have family members who drive, I'd consider checking if they would put you on one of the insurance policies that uses their NCB to get the maximum discount, but gives you your own policy..... essentially you get really cheap insurance, but if you spank the car it goes against your no claims as opposed to theirs

From what I remember, I've had 4 cars, I'm 26 now...... here's what I was paying when I bought them if I remember right....

Peugeot 306 XLDT - £1900 F&T (19)
Ford Fiesta 1.1 - £400 F&T (20)
Nissan Primera SE 2.0 - £500 Fully Comp (21)
Volkswagen Passat TDi - £600 Fully Comp (23)

The ones I'd suggest trying although price varies, what is high for some could be low for another

HIC (Herts Insurance)
Adrian Flux
Supermarkets / Breakdown (AA, Asda, etc) - some actually do quote good
Online search engines (elephant, fish4, confused, carsupermarket)

Without knowing your details can't be too specific, until you turn 21 or get lucky with insurance they are going to gank you for money it takes some hunting around before you can get cheap insurance.

If I were you, I'd consider doing pass plus. First it will give you more confidence with motorway conditions believe it or not drivers do panic over this and it teaches you how to drive in conditions like snow etc.

You'd be looking at around £100 for the course which will only take a couple of weeks, however you could see the insurance drop by another £1000 or so with some insurers.

Technically speaking, from when I've been driving I should only have about 4 years NCB, but I've actually got about 7 years worth NCB, because I gained 1 year from pass plus and a couple from policies that were brought forward on my insurance when I changed cars (as long as I didn't claim on the renewal dates I got the extra year)

dacouch

Lil306 wrote: »

If you REALLY can't find a cheaper quote, if you have family members who drive, I'd consider checking if they would put you on one of the insurance policies that uses their NCB to get the maximum discount, but gives you your own policy..... essentially you get really cheap insurance, but if you spank the car it goes against your no claims as opposed to theirs

What do you mean by this as it's unclear

arlybarly

I went with ikube for my ds 17 last month as this was the cheapest by far, he also did his pass plus last week as this is a condition of the insurance. You will not get a quote below 2000 and iof you did id be really suprised. My friends dd 17 has just had a quote from tesco which was 1800 as long as she did the pass plus as well, 800 quid cheaper than i paid for my son. I do find this really unfair as i do think women are worse drivers than men.

Lil306

dacouch wrote: »

What do you mean by this as it's unclear

Sorry, I've heard the expression, but can't think of it's name it's similar to being a "named driver" - under someone elses policy. Someone on here will know what I mean

When you have "named drivers", if the young person is a secondary named driver, normally they get someone elses no claims bonus to get them really cheap insurance , however they don't build up their no claims because they're on someone elses policy and if they spank the car it normally results in the other persons policy getting messed up.

The way these policies work, means you get the best of both worlds. You get the cheap insurance (from someone elses no claims), but it allows you to build up your own no claims until you feel comfortable it will be cheap enough to be insured as the main driver instead of a named driver and if you spank it, it only affects your insurance not the main person with 10 years NCB

I'm really not in place to describe how it works because I don't understand it, but I do know they exist, I'm sure Admiral do it as one of the multi-car, or two-car policies and it's something to do with named drivers.

If anyone on here understands what I mean please could they explain it better, or any pro's con's..... all I know is that the younger person is insured in some way as a named driver on their own car where they use the other persons NCB, but it gives them a seperate policy to build up their own no claims (I think it's multi-car tbh....)

bouncydog1

Your best bet is to contact a reliable insurance broker, provide them with full details (and be totally honest when giving them) and see what they come up with.

If you are based in an area that insurers see as high risk you will pay far more for your insurance than if you lived in a low risk area. I expect that this is one of the reasons for the quotes, and it is also possible that the vehicle you are hoping to insure is not the lowest group.

If your family owns more than two vehicles it may be possible to effect a family fleet policy where insurers may give a starter bonus for the vehicle that you are going to drive.

However I am not aware of any schemes where you use someone elses bonus - other than fronting, which can lead to cancellation of insurance when insurers find out - or driving someone elses vehicle under their policy, but if you have an accident they lose their no claims and you will still have to declare it in the future. Some insurers do allow bonus to be transferred from one individual to another - usually husband to wife or vice versa.

Unfortunately at 17 you are going to have to accept that insurance is expensive - 17 year old male drivers tend to have the highest accident rate.

Best advice: go for a low group vehicle; do the pass plus; put an older family relative with a clean licence and driving record on the policy; drive carefully and avoid accidents - next year it should be cheaper.

dacouch

Lil306 what your describing could be classed as fronting UNLESS the young driver declares that they are the main user (Assuming they are). A lot of people get caught out when arranging this type of cover as they assume they have no claims bonus to use when it is actually being used on another car so when they cannot provide it they get a very large extra premium to pay

If you do have a fronted policy the Insurers are pretty good at discovering them (It's not very difficult). What basically happens is they deny the claim, they will often pay the third parties claim but then recover come to you to recover it. The policyholder (Normally a parent) can sometimes be charged with fraud and the policy is cancelled which means the parent will find it very difficult (Very Very expensive) to obtain any type of insurance in the future including their own cars, home insurance etc etc.

Lil306

dacouch wrote: »

Lil306 what your describing could be classed as fronting UNLESS the young driver declares that they are the main user (Assuming they are). A lot of people get caught out when arranging this type of cover as they assume they have no claims bonus to use when it is actually being used on another car so when they cannot provide it they get a very large extra premium to pay

If you do have a fronted policy the Insurers are pretty good at discovering them (It's not very difficult). What basically happens is they deny the claim, they will often pay the third parties claim but then recover come to you to recover it. The policyholder (Normally a parent) can sometimes be charged with fraud and the policy is cancelled which means the parent will find it very difficult (Very Very expensive) to obtain any type of insurance in the future including their own cars, home insurance etc etc.

I apologise, I'm not intentionally trying to describe how to commit fraudulent insurance, the description I'm giving is vague however it's the only way as that I understand how it works. I know this type of insurance exsits but I don't know what it's called. I'll try and find some information on Google so I can explain it.

I think the way it basically works is some form of fronting, but legally. I think they get insured under someone elses name, and they are the named main driver on their own vehicle however certain insurers do it so that they're covered with the other persons full no claims bonus they're driving with someone elses no claims but as they're doing it they're also building up their own......

I'm 99% positive Admiral do this as one of their multi-car policies, or in some form...

I think I might even drop an email off to them see if one of them can explain it better for me