car ins for a 17yr old

molly22

hi
anyone have any suggestions where i look for car insurance for my son that doesnt make me cry.

why are 17yr olds allowed to pass their driving tests when the car insurance that they need is just ridiculous??

im sure there are many young people driving with no car insurance because of the silly cost.

my son has a 1.4 fiesta valued about £1500 and the quotes are around £4000!!

please help

molly
xx

diable

Males under the age of 21 are the cause of more accidents and claims then anyone else, the only thing you could do is add him as a named driver on to your car's policy.

Also a 1.4 Fiesta is worse on insurance then a 1.1 4 year old £4k Punto as my GF's sons insurance came in at £1300 fully comp for London'ish.

Wee_Willy_Harris

It may also be worth getting a quote with YOU on HIS insurance. Believe it or not, this can make a difference. And he still earns NCD. And it's above board.

sheslookinhot

my son passed his test 2 weeks ago at 19 yrs old. Not driving now as insurance is too expensive. best was £1500 to add him to his mothers 2008 1.2 Ibiza.

rev_henry

molly22 wrote: »

why are 17yr olds allowed to pass their driving tests when the car insurance that they need is just ridiculous??

I share your sentiments. I think its somewhat immoral that the law says you can do something (drive a car) but in reality you can only drive a slow, carp car until a company, not the government, says you can.

im sure there are many young people driving with no car insurance because of the silly cost.

Yes, which then makes everyone elses insurance even more expensive! Its a vicious circle which the government seems to like to ignore. On another thread we were discussing the fact that there's a postcode area of Bradford in which MOST cars there are uninsured! :eek:

Anyway, to be a bit more helpful, who is that quote from?

Lokolo

Wee_Willy_Harris wrote: »

It may also be worth getting a quote with YOU on HIS insurance. Believe it or not, this can make a difference. And he still earns NCD. And it's above board.

When my friend was 21... he put me (also 21) on his insurance and that even made it cheaper!

Crazy ha.

folkestonelisa

My son has just got insurance from admiral for just under £800 for his 59 plate 1 litre astra, its on a 10 month accelerator.
Might be worth trying them, he did it over the phone as online was a lot more expensive. He is just 18.

babyshoes

Just be aware that 'fronting' is illegal - you can't insure his car in your name and add him as an additional driver if he is going to be the main driver, or at least drive it more than 50% of the time it is out on the roads. It is quite a common problem apparently, as it is a lot cheaper and people don't always realise that it is illegal.

A couple of things that may help include; adding an experienced driver such as a parent as an additional driver to HIS insurance (which is completely legal), adding security to the car (alarm, immobiliser etc) or parking it offroad - ideally in a garage, doing the Pass Plus course or IAM training (though the insurance discount will only kick in once he has passed, and they do cost money so more of a long term saving), spending days phoning around - I halved my original quote simply by speaking to what felt like hundreds of insurance companies, buying a cheaper car, and investigating shorter insurance periods. There was one company (the name Elephant sticks in my head...) which was doing 9 or 10 months of insurance for a bit less than the cost of 12, but you got a full year's NCB at the end. Sure, you pay more per month but may be worth it for a new driver to get that first NCD assuming there are no claims, of course! Not sure if they are still doing that deal, but maybe worth some investigation.

atrixblue.-MFR-.

here's a good tip, tell your son to do a pass plus, may cost bit extra but will save money on insurance, also go on his insurance as a named driver.
also it would be a good idea to fit that car with a thatchem category 2 to 1 alarm this will also bring the policy down, shop around on ebay for them (not used by the way you need the curtificate) to keep the cost down and have it fitted at a approved alarm specialist. even though your spending money your going to save more in the first place on insurance.

most online insurers wont give you the option off pass plus cert you will have to call them for quote.

what seemed to have worked for few of my mates (under 21) is this.

done pass plus, gone on internet and got a quote without the pass pluss on but mum or dad on as named driver, taken the refrence number from that quote online, called them up and give them the quote ref number then added the pass plus to the details wich has brought it down 2 mates have had thatchem alarms fitted an that knocked a few hundred off their premium as well as pass plus discount.

doesnt sound very mse spending money in order to obtain cheaper insurance, but if you spent say 2-300 and it brough the policy down 5-600 you have your saving.

check online first by adding a thatchem cat 1 to the vehicle specs and you as named driver then get quotes for alarm and fitting plus a pass plus. to see if it would benefit you and your son!

flyingscotno1

babyshoes wrote: »

doing the Pass Plus course or IAM training

There was a bit on BBC radio news which stated that Pass Plus was almost impossible to get quotes with now. The reason was that insurers had dried up on discounts because drivers were no safer in claims with it than without. That was my take on their report anyway.

Found a link to the BBC article- http://www.bbc.co.uk/newsbeat/11636804

molly22 wrote: »

my son has a 1.4 fiesta valued about £1500 and the quotes are around £4000!!

Quite a common view that value has the biggest affect on insurance. Yes it has an effect depending on car and age but it wouldn't surprise me that if the car was £200-£5000 it will be much the same price for a youngster. The real cost is the third party part of insurance- i.e what he might do if he hits someone with the rise in no win no fee stuff. Equally hitting some traffic lights can cost a bloody fortune!

jayme1

molly22 wrote: »

1.4 fiesta

that's the problem,
1.4 - that's a big engine
fiesta - the insurers see that as a boy racer car, the type of person who tries to do doughnuts round carparks.

is the quote you got for 3rd party or full comp - get both,
name you as a named driver (not you as main and him named),
consider getting a different car, something like a citroen c1, toyota aygo, or vw fox, they will be much cheeper insurance and they are not rubbish cars, a 2nd hand one are pretty cheep now.