Young drivers insurance

savemoney

http://www.bbc.co.uk/blogs/theoneshow/2009/12/young-driver-insurance-how-to.shtml

hartcjhart

how do you know how your son will drive when you are not in the car?
all parents think their darling son/daughter are the safest drivers in the world,sadly we know this not to be the case as proven by statistics,these are not made up figures but real life accidents.

the only way to get cheaper insurance is to look for the lowest group car possible(wether he likes it or not) and to include yourself as a 'named' driver,
or take a look here to see if it is any good for him

http://www.youngmarmalade.co.uk/

andyrules

I agree, there is no basis, how can there be.

However, insurance companies aren't always fair nor logical, eg my earlier point re the age/type of car - surely that is peanuts compared to the fact that they could cause massive injuries/hit a Roller etc. Also, they take very little notice of Pass Plus/Advanced, despite claims to the contrary - in terms of premium it isn't worth it.

Worse, when DS had a (no fault ) bump, the legal arm tried to persuade him that he might have whiplash, he had to be quite firm in the end that he was fine! How many false whiplash claims spoil things for genuine claimants?

someone mentioned a good idea earlier, high initial premiums with a cashback incentive after each year.

OP, just keep trying, I went through all the Young Person recommended ones, and found them to be the worse! Quinn were a good 2k above the rest! (they might not be trading now)

YAZZ_2

of course I don't know how he'll be.....but I know were he wants to go in life. I think majority of people have areasonable understanding of the way their children are. But no...we don't know......but believe me...IF I EVER CAUGHT MY SON BEING A 'DOOR HANDLE' (and yes that was aggressive talk then) I would smash the car with a hammer myself. And he knows it. lol (although I am serious)

oscarward

YAZZ wrote: »

(infact i-kube told me even they are pulling out of the scheme) ..

Interesting, we have an i-kube gadget on our 18yo son's hyundai i-10 (1.1 0-60 maybe :rotfl:) but it still cost us £1500.

He knows we can track where he's been as well.

At least he will have 1 yr ncd even if i-kube deciede not to continue the scheme.

YAZZ I know where you're coming from with threatening, I told our son if I smelt alchohol on his breath when driving he'd lose his car keys, full stop. But he's sensible and won't drive when he goes to the pub.

mikey72

Duncombe wrote: »

OP - What car are you trying to insure your son to drive? This will make a HUGE difference to the premiums.

Secondly, the huge premiums are not going to change until he is in his late 20's.

And learner drivers ARE being made to learn for longer. They have to do 40 hours of tutition before they can take their tests. Motorway and night-time driving will be a compulsary element of tutition also. Tests are getting longer and harder, and the theory tests have already changed. My dad has been a driving instructor for 30 years and the stories he tells me about youngsters learning to drive are horrendous! While I agree that it is difficult for young drivers to get insurance, the fact they DO cause more accidents is sadly a fact of life. Even if you cant insure him, the fact he has a licence will help him with future job applications etc..

There is no requirement for any tuiton before taking your test.
My daughter in fact has just passed in July after 19 hours with an instructor, plus time driving in her own car with me.
If your information is from your dad, maybe he needs to check again.

mikey72

Have a look at

http://www.parkers.co.uk/insurance/Groups/by-group.aspx?ig=1#ig=0

for group 1 cars, you may save enough on the insurance to actually pay for the car.

bouncydog1

You need to speak to a good broker rather than looking at the comparison sites. Quotes for my daughter when she goes to Uni next year using sites came in between £750 and £8500 - all on a vauxhall corsa 1.0 and the Uni was in a remote part of Wales!

Use Parkers - a Clio 1.2 and the Peugeot you qoted are not lowest groups. Try a vauxhall corsa 1.0 or a fiesta 1.0 or one of the low cc Hyundais or possibly a Skoda.

The quotes will of course also depend on where you live so from your post on the boy racers at the lights I presume you are probably not in a quiet country area. If insurer statistics are showing high rate accidents in your area from this group of insured's then they are going to quote high premiums because they don't want the business.

I would also agree with other posters in that we all think our children behave in a certain way but once they get with mates egging them on, as you well know, they will often go with the flow rather than risk not fitting in.

Hopefully you will be able to get the cost down a little but you must know from reading through the other posts that 17 year old policies tend to start around £2k.

Lirin

OP, try asking for a higher excess- a lot of companies won't offer one. Try adding yourself to his policy as a named driver, or try adding him 3rd TPFT on yours.
I always choose not to accept the roadside help etc offered- there's usually someone I know nearby, and I have slight mech ability- it lowers my premium.
Possibly, if none of those work, ask if he can be insured with a restricted mileage?

Duncombe

mikey72 wrote: »

There is no requirement for any tuiton before taking your test.
My daughter in fact has just passed in July after 19 hours with an instructor, plus time driving in her own car with me.
If your information is from your dad, maybe he needs to check again.

DSA are changing alot of the requirements. Alot of what I said will be coming into effect in the next 18 months; some things (like the increased theory test) are already here.