Please tell me it will get better..

j-josie

..car insurance for my teenage son, that is:p

He is currently learning and hopes to pass before Xmas, which will coincide nicely with 18th birthday. So far, he is not insured on my car as I can't afford it, but I rashly said we would add him when he has passed as I obviously want him to drive and gain experience..

The cheapest quote I can find so far is £1,870:eek:, based on him being 18 and with a full driving licence. Goodness knows how I will pay this, but will it get substantially cheaper in Year 2 ?(assuming he has no accidents, points convictions etc:p )

I don't think it helps that my Nissan Micra is only worth about £500 and am I right in thinking a cheap car is seen as more of a risk?

I just would like some idea of what to expect for future years, insurance wise..

(And finally, just to vent...do these insurance bods think all teenagers have George Osborne type, wealthy parents, cos i just don't see how ordinary people are supposed to afford this!!!!! Argh!) Rant over

McKneff

Teenagers are considered more of a risk, hence the high premiums.

If they didnt do this, younger peoples premiums would halve and my premiums would double or treble (and Ive never had an accident in 40 years of driving) I would be miffed if i had to subsidise some teenage tearaways who drive like idiots.

Have you tried CIS for a quote, they are pretty good with young drivers

Just a second because i belive I have a free phone number somewhere.

08000 113352 They will give you a quote or put you through to a dept who will

TVR2

That much for a Nissan Micra?! At that price I was imagining at BMW 330i at least... ;-)

It will go down a bit after a year but it's still criminally high until 21. I'm 24 and have only just got my own policy (not sure you'd get away with that ever so slightly illegal loophole now, though) but I paid over £1k for a Rover 414 at 17 on top of my Dad's policy.

Silly question on MSE, but have you shopped around?

j-josie

TVR2 wrote: »

That much for a Nissan Micra?! At that price I was imagining at BMW 330i at least... ;-)

Silly question on MSE, but have you shopped around?

Believe me, I have shopped around til I am exhausted!! One insurer wanted £6,000 :rotfl: :rotfl:

j-josie

McKneff wrote: »

Teenagers are considered more of a risk, hence the high premiums.

Have you tried CIS for a quote, they are pretty good with young drivers

Just a second because i belive I have a free phone number somewhere.

08000 113352 They will give you a quote or put you through to a dept who will

Thanks for the CIS details - I had not thought about them.
Whilst I acknowledge that teenagers are more of a risk generically, I don't think heaping the national debt of a small country on his mother is quite fair. Especially as i have one very well behaved young adult who will drive his mother's unassuming and rather pathetic Micra very respectfully!!
But hey, that's life and I'm just sensitive as he has been great since his dad was out of work for 18 months and not asked for much, so I just wanted to do this for him...thinking it would cost about £800

TVR2

It's a deeply unfair system to pre-emptively lump blame on someone purely based on a fact of life they have no control over. But who ever said insurance was fair or just? One of the more unfortunate inevitabilities of capitalism...

dannymccann

If he's 18 he should have a job to pay for it and not be using his mum's car really? If he's 18 and not in work, he should be a student at uni / college, therefore probably wont need a car. If he's not working or studying he doesn't deserve the use of a car!

Im 22, my insurance premium history is £1200 (17 1.4 Corsa), £800 (18 1.4 Corsa), £600 (19 1.4 Corsa), £500 (20 1.8 Ford Escort), £450 (21 2.0d Astra) and then renewal today has come out at £415 at Admiral for 5 years NCB.

Bear in mind if he's on your policy he wont be earning any NCB, so when he eventually has to get his own policy it will still be achingly high because he hasnt built up his NCB buffer

worried_jim

j-josie wrote: »

Thanks for the CIS details - I had not thought about them.
Whilst I acknowledge that teenagers are more of a risk generically, I don't think heaping the national debt of a small country on his mother is quite fair. Especially as i have one very well behaved young adult who will drive his mother's unassuming and rather pathetic Micra very respectfully!!
But hey, that's life and I'm just sensitive as he has been great since his dad was out of work for 18 months and not asked for much, so I just wanted to do this for him...thinking it would cost about £800

Trust me as soon as he drives around the corner with his mates he will be thrashing the pants off it, driving like he stole it, it's what all normal healthy teenagers do.

jd82

I am 28. 2 years NCB, no accidents etc, drive a brand new Panda and pay £850 a year for insurance. Your son's insurance is actually quite cheap in comparison.

sarahg1969

CIS quoted £6000 for my son when he first passed!

clg86

Every year I get my renewal quote and even though i'm a year older and have another year of NCB, it's always higher and I have to search around for weeks before it's due to find the best deal.

It's a pain in the a$$ to keep putting the same details in over and over, but try insurers that are not on comparison sites. I know you have probably already done this, but unfortunately due to his age you are probably looking at around £1500.

I hope you find one cheaper though!