Where can I get cheaper car ins for a 17 years old???

xxxxxlollyxxxxx

My son is due to start driving in the new year when he turns 17, we are buying him a car in his name to learn to drive in as both mine and my husbands cars are too big for him to learn in.
Looking to purchase a fiesta zetec or similar but the ins quotes are just crazy prices.
Can anyone advise me on where to get cheapest ins or what best thing to do?

exup

could try the a ford or fiesta owners club, see if they get a discount from any companies. (clubcento - small fiats owners club gets a discount from Chris Knott for instance)
or perhaps insure the vehicle yourself, add your son as a named driver, check with the insurance company allow named drivers to build up their own no claims.

Also some companies allow things like curfews, such as not driving between 11pm and 6am.

dogbot

perhaps insure the vehicle yourself, add your son as a named driver,

No, don't do that, it would be illegal. The vehicle the OP is buying will be in the son's name and he the main driver. Insuring in the parent's name with the son as a named driver (rather than main driver and owner) is fronting. It may well be cheaper to just have them as a named driver on your own vehicle or buy the cheaper car in your own name, and ensure you are the main driver of it provided you ARE the main driver.

He can learn in instructers vehicles - you are paying them to use their vehicles as part of the lesson after all - so does he really need his own car?

Zetecs are the mid spec fords, so look for something more basic which will be cheaper (trim level as well as engine have an impact on vehicle rating). In addition, add yourself and your husband, possibly also a combination with grandparents, as named drivers. This can reduce the cost. The premium for a young man on a provisional will go up a lot once he has passed.

A word of warning - if your son doesn't turn 17 untill the new year, the quotes you are looking at now won't be valid anyway (mostly). Most quotes have a guarantee period of only 30 days. The market is currently continuing to move upwards, particulalrly for the young, and so you will end up paying more in the new year. The new rates of IPT and VAT also kick in on 4th Jan, so prices will all go up due to that too.

There are, as indicated above, schemes which allow discounts for curfews and trackers. Insurethebox, Ikube, Coverbox are some of these.

exup

dogbot wrote: »

No, don't do that, it would be illegal. The vehicle the OP is buying will be in the son's name and he the main driver. Insuring in the parent's name with the son as a named driver (rather than main driver and owner) is fronting. It may well be cheaper to just have them as a named driver on your own vehicle or buy the cheaper car in your own name, and ensure you are the main driver of it provided you ARE the main driver.

.

yes, sorry I did realise that, but as the car hadn't been bought yet, it could be put in the OPs name rather than the son, and then changed at a later date when the insurance premium dropped

bouncydog1

There will be no saving because as the son is going to be the main driver this must be disclosed to insurers who will base the terms on the son's age.

The son can put in his name and put the parent's on as named drivers and start earning his own bonus.

Unfortunately there is no such thing as cheap car insurance for young males who answer questions for insurance honestly - not many insurers really want any young/inexperienced drivers as core business and terms reflect that.

If the OP already has car insurance then I would speak to existing insurers who may come up with decent terms. This is what we did when our 17 year old DD started driving. Car in her name, policy in her name and insurers gave a good price because her dad and I had both of our vehicles with them and were claims free with max bonus, in our 50's (and were down as drivers on her policy). I suppose they also had to consider that if the terms quoted for her were too high then we might take all our business with them elsewhere!

Steer away from online quotes, speak to insurers directly - try Aviva, NFU and Co-op - or a good local broker who knows their market.

property.advert

I concur that non standard and premium risks need the human element, not some computer to churn out quotes.