Son Passed Test- Insurance Tips please

rev_henry

Jakg wrote: »

Not yet... it's on the drive as i'm still prepping it for sale (after 3 months of having my second car...). My new car is worlds apart from the old Proton, though...

You're rather keen on your British cars aren't you? Which engine's in it?

foreveramum

Hi guys,

the quotes we had were through moneysupermarket.com and that was the cheapest.

We have held back from trying anyone else at the moment in case the details get registered with other companies- not sure if this happens?

We will keep trying and use all the info on here and thanks again for the help and advice-we really need it at the moment!!

rev_henry

foreveramum wrote: »

Hi guys,

the quotes we had were through moneysupermarket.com and that was the cheapest.

We have held back from trying anyone else at the moment in case the details get registered with other companies- not sure if this happens?

We will keep trying and use all the info on here and thanks again for the help and advice-we really need it at the moment!!

I usually use moneysupermarket as well. I wouldn't worry about that. I once called up Endsleigh about a quote and was asked 'which one, I have about 50 in front of me!' but it hasn't made a difference.

jamesb1239

From experience (22 years old, no no claims as always been a named driver :mad:) fully comp will always come out cheaper that TPFT for a young driver, watch the excess as being a young driver also makes you subject to a higher compulsary excess, but the only way to keep the prices down is to rack up the voluntary excess and add an older experienced named driver.
Occupation shaves a bit off too, If I was unemployed then my insurance was about £5pm more than if I listed myself as a student (which I am).

In case you havent tried them my cover is from SwiftCover and I pay £72pm
(2000 Rover 25, 0 years NCB, Student, Mother as named driver, kept on road, maximum voluntary excess)

7891368

mikey72 wrote: »

Not this year was it?

2008 when I was 17?

mikey72

It's near enough doubled each year since then for a new driver.

7891368

My cousin has just insured the same car, aged 17 passed 2 months ago for 1200 so that's not matching what you said?

babyshoes

jamesb1239 wrote: »

From experience (22 years old, no no claims as always been a named driver :mad:) fully comp will always come out cheaper that TPFT for a young driver,

I didn't find that a couple of months ago - the cheapest fully comp was at least £100 more than the cheapest TPFT... That said, I was told that if I had already done my IAM test (when I mentioned that I had applied) I could have instantly chopped £200 off the quote by one company, I forget which it was.

Work out which of yourself and partner will give better discount as a named driver - women sometimes get cheaper insurance.

If your son has been a named driver while learning, some companies might give him a year or two of no claims bonus as an introductory bonus, though the cheapest quote I had didn't include it at all.

Spend the time on the phone after trying ALL the comparison sites and individual companies (there is a list on here somewhere). It is very very tiring and frustrating going through all the details each time, but it worked for me. After a several days of phoning around on and off I was able to almost halve the initial cheapest quote! :T

If you speak nicely and find someone actually interested in making a sale, you could get lucky. In my case the supervisor got involved and found me a great price, though still over £450 TPFT without the breakdown cover it is at least affordable. Cheapest initial quote was just over £800, so definitely chuffed! I am a new driver, though older than most, car stays on road.

foreveramum

Great advice guys,

We are going to call a couple today/Tomorrow/Friday and see where we end up. I will post our findings here.

We want this right because everything is fine until something happens!

Don't clash with your comments folks if you feel someone has tried to help but maybe got mis-understood. That's life and all comments come in a positive manner. Come on England!!!!!:j:beer: Maybe if they win I will call in the morning and get a brilliant quote;)!!!!

lukehar6569

This might not be as useful to you but possibly to others, some companies are cheaper for provisional drivers (I assume as they can't drive without an experienced driver with them) and then when you pass your test they either don't charge the difference (Quinn didn't at the time, they charge half the difference now) and others only charge some of the difference. This saved me about £700 when i first passed (3 years ago)... best thing was they changed the policy before i'd finished pass plus so they gave me £100 back for doing that!

Also, don't assume the 'best' postcodes are the cheapest, i recently had the choice of using my term time address (not so brilliant inner city area, car break-ins at least 2 times a week on our street, area full of young drivers etc.) and parent's address (rural, affluent area, type of place you could leave your car on the street with the keys in the ignition, leave it for a week and it'd still all be there) and they wanted £200/year more at my parent's address for the same policy!