Car insurance at 17 years old :(

Courtmill

No problems.. I used to work in car insurance... There's a lot of different things you can twiddle to get the best deal, you just need to give it some time! Good luck

zee_2

try a insurance broker in office ,everuone is brainwashed with internet sites ,sometimes old fashione way may surprise you ,brokers use computers and know insurance.

perkisc

Look at having 1 or both parents on the insurance this brings it down quite a lot also look at having the insurance in your name so that you earn the "no claims bonus" but have one of your parents as the MAIN driver.

Get a fully comprehensive quote from Kwik Fit and but your voluntary excess ridiculously high around £750 or £1000 it will probably warn you that the excess is to high against the vehicle value but ignore this. On the next step it will ask you it you would like to take out excess insurance to cover the cost of you excess in the event of a claim. This additional insurance will cost you about £40.00 to cover £1000 of excess but your insurance quote will come down by £100's
This worked on my sons insurance and brought an original quote of £2700 down to £1540 including the cost of the excess insurance. Also google excess insurance but I think you may have to be 18 on other policies.

lisyloo

but have one of your parents as the MAIN driver.

Do NOT do this if you are the main driver.
It's called fronting and insurers know young people will try this.
They can refuse to pay claims leaving you with a large bill.
Plus you will have to declare you've had insurance cancelled/declined FOREVER.

Of course if they are the main driver it's perfectly ok, but I don't think that is what has been decribed.

bouncydog1

perkisc wrote: »

Look at having 1 or both parents on the insurance this brings it down quite a lot also look at having the insurance in your name so that you earn the "no claims bonus" but have one of your parents as the MAIN driver.

Get a fully comprehensive quote from Kwik Fit and but your voluntary excess ridiculously high around £750 or £1000 it will probably warn you that the excess is to high against the vehicle value but ignore this. On the next step it will ask you it you would like to take out excess insurance to cover the cost of you excess in the event of a claim. This additional insurance will cost you about £40.00 to cover £1000 of excess but your insurance quote will come down by £100's
This worked on my sons insurance and brought an original quote of £2700 down to £1540 including the cost of the excess insurance. Also google excess insurance but I think you may have to be 18 on other policies.

Very bad advice indeed - as Lisyloo says. There was a thread on here recently about somebody who had put themselves down as main driver and daughter was involved in an accident and now insurers are undertaking extensive investigations. Worse case scenario is policy is cancelled from inception so there will be no damage paid for the car. In addition if a third party is involved, insurers could pursue you for the damages paid to the third party.

Downgrade your car to a more appropriate first car for a new driver and speak to a reliable broker - don't just rely on internet sites. Brokers know their market and that way you will end up with the cover you need without the worry that you will have no insurance.

GEEGEE8

Good luck with it OP.. I hope you get a good quote.

Philycheesesteak

Get married. Married people get better rates, as they're supposed to be more responsible.

But then the average wedding runs now at £16,000 possibly no good.

Unfortunately you're being tarnished by the same brush as lawyers, 99% of 17 year olds give the 1% a bad name.

We were all 17 once, and I do feel for you. But agree with posters above you need to go for a cheaper, low risk vehicle. I'd look at a Kea or Hyundai. Maybe not the street cred but by their nature less likely to be stolen therefore cheaper premium. At least for a few years, no claims bonus will build and without any points on your licence or accidents (non-faulr or fault) you then might be able to get your dream motor.

I recommend pass plus not so much the insurance discount (as not all of them recognise it) but it will make you safer. A high rate of people have an accident in the first year of passing.

It is frustrating that you might end up buying a £500 nail and still pay £1000 per year premium. The issue is all these people uninsured on the roads, and people claiming personal injuries, plus if you hit something on the road, chances are it will be worth £2000+. Cars are built to crumple and many accidents above 30mph result in right offs.

The cost of motoring isn't cheep, but hey 17 year old with wheels (of any kind) is still ace, especially how much it costs to actually pass now.

Have you considered the Daytime only insurance? They basically fit a device in your car so you can only drive in the day and be insured. It could save you some money, avoids you risking drinking and driving...

Oh and get your quote validated before you buy a car, will save yourself a lot of hassle.

perkisc

When we did this with my sons insurance I travelled from the West Midlands to Crewe once a week in the car as it was an LPG conversion and saved me money in fuel. My son used the car the rest of the week technically I covered more miles per year approximately 5,800 compared to my sons 4,000 so I was the "main driver" I certainly was not advocating any deception just pointing out various ways to reduce the cost of insurance.