17 year old lad - ridiculous car insurance quotes

pompeyrich

Thanks for the updates NikNox, been going through a similar thing myself over the last 2-3 years. I'm probably getting confused between your 2 and who has the moped etc. but Churchill let my lad use 1 years NCD from his moped against his car insurance. He had to "lose" the discount on his ped but that was only £50 as opposed to £400 on his car so worth doing.

Had to phone them as the on-line quotes couldn't cope with licence held 3 months NCD 1 year part. I believe Churchill and Admiral are the same group so might be able to do something.

StephenMarsh

NikNox wrote: »

Indeed, but on other sites adding the Pass Plus didn't reduce the premium by much at all, about £100. As we all know, Insurers are all different, as are prices on a day to day basis. I was amazed that it zoomed up to £2000 to be honest, so did try adding the Pass Plus on other sites, but it made only a small difference. I personally would like him to do the Pass Plus anyway, simply for the driving experience so I'll be working on persuading him to do it anyway.

Its a shame its not more widely accepted as its an excellent driving course, I did it myself when I passed my test and found it very usefull from just an experience point of view..

As youve found there arnt many insurers who will offer discounts off the back of it but the few that do can offer pretty decent discounts. My opinion is like yours good to do and once you have shop around to see who will offer a discount for having done it.

fadetogrey

The wife and myself are insured through tescos insurance.was the best of all on the comparison websites.we live in northern ireland so ALL insurance is very expensive.Im 50 wife is 46 neither had any accidents or points and drive a 3 year old 1.6ford focus.It cost £460 which we call cheap.

NikNox

pompeyrich wrote: »

Thanks for the updates NikNox, been going through a similar thing myself over the last 2-3 years. I'm probably getting confused between your 2 and who has the moped etc. but Churchill let my lad use 1 years NCD from his moped against his car insurance. He had to "lose" the discount on his ped but that was only £50 as opposed to £400 on his car so worth doing.

Had to phone them as the on-line quotes couldn't cope with licence held 3 months NCD 1 year part. I believe Churchill and Admiral are the same group so might be able to do something.

Thanks, that's interesting. My youngest son, 17, has the ped. It's eldest son, 21 who now has the car, BUT has been riding a DT125 since March 2009 and has no claims on his insurance for his bike! I will ring Churchill and see what they can offer. Thanks for that. Don't need the insurance cover until tomorrow, so plenty of time to still play around and see if I can get it even lower for him!!

NikNox

chris024 wrote: »

I am male and did not get a car until I was 21 due to insurance costs. Even then the best quote I could get was 1,400. Though that was fully comp on a 2 year old Corsa. Now at 26 and 4 years no claims it is around £400

That's good to know for the future. Trouble is with youngsters, especially males, is that to get no claims you have to get insurance to start with, but with prices the way they are it's beyond reach for many many young people. You aren't all boy racers after all! When I was talking to Swinton yesterday, the woman let out a few 'trade secrets' (which I'm not convinced are actually trade secrets, she was probably just trying to make me feel special!), and insurance is based on many things, not just age and area. If your particular model of car is claimed against a lot for one insurance company, then the premiums are higher. However, your model of car could be relatively low in terms of claims with another insurer, so the premiums would be lower. I asked how you found out this information and she said you can't, but it does prove it's worth spending time searching around. Also fully comp is often cheaper than third party, especially for cars under 10 years old because it's generally assumed that if you're going for fully comp you care about your car more and are therefore more likely to be careful.

pompeyrich

NikNox wrote: »

Also fully comp is often cheaper than third party, especially for cars under 10 years old because it's generally assumed that if you're going for fully comp you care about your car more and are therefore more likely to be careful.

There is a counter arguement that those with TPF&T have to pay for any damage to their own car so might be more careful.

As you have found there are many criteria/stats used in calculating the risk of insuring anything, some obvious some less so. You might assume a car parked overnight on a drive is at less risk from being damaged by a passing yob or vehicle than if it was left on the public road at the same address, yet most quotes I have are cheaper if the road is chosen over the drive.

With regards TPF&T vs FC the only extra risk to the insurer is for the value of the insured car if damaged or written off in an accident.Most new drivers would have a car uo to £2,000 or so coupled with a compulsory excess of at least £400, so the difference is, around £1,500 max as opposed to potential 3rd party claims that could run into millions, so in my opinion the difference in price should be fairly minimal.

Good luck with the search, let us know how you get on.

NikNox

pompeyrich wrote: »

There is a counter arguement that those with TPF&T have to pay for any damage to their own car so might be more careful.

As you have found there are many criteria/stats used in calculating the risk of insuring anything, some obvious some less so. You might assume a car parked overnight on a drive is at less risk from being damaged by a passing yob or vehicle than if it was left on the public road at the same address, yet most quotes I have are cheaper if the road is chosen over the drive.

With regards TPF&T vs FC the only extra risk to the insurer is for the value of the insured car if damaged or written off in an accident.Most new drivers would have a car uo to £2,000 or so coupled with a compulsory excess of at least £400, so the difference is, around £1,500 max as opposed to potential 3rd party claims that could run into millions, so in my opinion the difference in price should be fairly minimal.

Good luck with the search, let us know how you get on.

Madness, I just changed it from driveway to road, and it's £10 cheaper!! Okay, only £10, but that's a tenners worth of fuel in the tank!!

dogbot

pompeyrich wrote: »

I believe Churchill and Admiral are the same group so might be able to do something.

Just to clarify this - no they are not. Admiral (and Bell and Elephant) are the EUI group. Chruchill is part of RBSI (along with Direct Line, NIG et al).

raskazz

goodgirl80 wrote: »

I don't know if anyone has mentioned it, but I'm with swiftcover. Very cheap.

And very nasty.

NikNox

I have just bought my son a year's insurance with Admiral, Third Party F&T with 2 additional drivers, parking on the road AND personal injury insurance that covers him and the additional drivers even if they are in another car for, wait for it ......... £1096.00.

So, thank you Admiral. You came up cheapest, and we are very pleased.