car ins for a 17yr old

Al1x

I agree with the people who say get a different car.

every young person i know has started out with the cheapest of cheep cars...1.0 or less basic model cars (fiat/nova/corsa/micra etc) also they've all been pretty old cars costing no more than 1k therefore insuring as 3rd party fire and theft as the car isn't worth that much compared to a newish one where you would want to be fully comp.

yea if you are unlucky you may have more repair bills but that isn't always the case with an older car. (you could always buy a haynes manual and do basic repairs yourself)

molly22

:)thank you all for your replies and interesting reactions to my query.

firstly - i havent bought the car for him, i bought it for my daughter 4 yrs ago and now she has qualified as a midwife she has treated herself to a new car, thus the fiesta now becomes his.
( i assumed this would save me money but it seems perhaps im a little wrong there!)

secondly - my son is at college and living at home. he doesnt have a job and has less than no money!
how can anyone living in the real world say that £4000 isnt a lot of money!!! very strange. (and its only for 12 months and then you have to do it all over again)

So i will be spending a lot of time on the phone tomorrow and see what i can find, with the help of all your advice.
i shall report back here as soon as.

thanks
again
molly:)
xx

rev_henry

molly22 wrote: »

:)thank you all for your replies and interesting reactions to my query.

firstly - i havent bought the car for him, i bought it for my daughter 4 yrs ago and now she has qualified as a midwife she has treated herself to a new car, thus the fiesta now becomes his.
( i assumed this would save me money but it seems perhaps im a little wrong there!)

secondly - my son is at college and living at home. he doesnt have a job and has less than no money!
how can anyone living in the real world say that £4000 isnt a lot of money!!! very strange. (and its only for 12 months and then you have to do it all over again)

So i will be spending a lot of time on the phone tomorrow and see what i can find, with the help of all your advice.
i shall report back here as soon as.

thanks
again
molly:)
xx

Replacing the fiesta with something less powerful will almost certainly not be a net saving to you. Is he nearly 18? If so, wait until he is, makes a lot of difference.
Investigate IKube (google it). They put a GPS tracker in the car and 'fine' you £45 if you drive between 11pm and 5am. In exchange premiums are very low, as this is when most young lads crash, and the tracker means you can find the car if its stolen.

Where do you live? I mean, £2000 I could understand but £4000 in a not particularly interesting car seems barmy. I think there was someone on here a while ago whose 17 year old son was paying £4k to insure a Renault 5 GT Turbo!

ROY47

would love to have the same amount of money the person who replied £4000 isn't much

£4000 is 5 years hard savings if I'm lucky !!!!!!!!!!!

back on topic

Recently my daughter turned 17 and Dad I want a car for my birthday was her wish , over the years we've saved for this and bought her a 6 yr old fiesta 1.25

Insurance was a nightmare , yes it's cheaper for girls / women
It cost us £ 1000 for her in her own name as a learner , probably rising to £1500 when and if she passes her test
The car is registered in my name but she is logged as the main driver sowe aren't fronting

We went with admiral multi car for this price

Our car is more expensive to insure with them but her car is cheaper
so works out better in the long run

we had quotes from £1900 - £9000 before going with admiral

rev_henry

ROY47 wrote: »

would love to have the same amount of money the person who replied £4000 isn't much

£4000 is 5 years hard savings if I'm lucky !!!!!!!!!!!

back on topic

Recently my daughter turned 17 and Dad I want a car for my birthday was her wish , over the years we've saved for this and bought her a 6 yr old fiesta 1.25

Insurance was a nightmare , yes it's cheaper for girls / women
It cost us £ 1000 for her in her own name as a learner , probably rising to £1500 when and if she passes her test
The car is registered in my name but she is logged as the main driver sowe aren't fronting

We went with admiral multi car for this price

Our car is more expensive to insure with them but her car is cheaper
so works out better in the long run

we had quotes from £1900 - £9000 before going with admiral

I've done exactly the same as you for my car and my mum's. The overall cost for both cars is cheaper on a multicar policy even though my mother's part of the insurance is 1/3 more than the cheapest. She pays tuppence a year (stupid middle aged women drivers who've never had an accident! ) and mine was £750 so 1/3 isn't that much extra on hers, iyswim.
Insurance for girls is usually about half than for boys (assuming the person is the same in all but gender, so to speak) so its a whole different ball game.

I seem to be very lucky to start driving when I did, it seems to have got loads more expensive to start off in just the last 18 months or so.

atrixblue.-MFR-.

by insurance standards if you are the "registered keeper" then you have to be the main policy holder, if you are not the reg keeper but main driver and policy holder and your insurance company checks you and named driver details against the vehicle, then your insurance may become void (after them contacting you ofcourse) because of ownership-main driver issues. i have seen this happen to a few people, mainly after being pulled for no insurance as it was revoked. i know it sounds harmless to put a reg keeper on as a named driver as its cheaper but it does go against insurance terms and cons! and they do check!! be wary those that are doing it, if they write to you saying xyz is registered keeper and is a named driver on xyz policy this is against our terms and cons can you contact us, DO SO as they will stop cover!!

as for a 1.4 being too quick for new drivers etc twaddle, its all about the person driving it drive like a twit youll put it in a lamppost and you and others in a box drive safely and responsorbly youll be fine. its the attitudes of young drivers that put themselfs in stupid situations not the engine.

if a 1.4 is too quick then so would be a ride on mower!

these days security brings down a policy, trackers, thatchem 1 alarms, and experienced named drivers. and cutting out the middlemen in insurance companies so you dont pay them to pay peter to pay paul all adding on their cut of the cash. leave out insuance co's that pay an underwriter.

jayme1

1.4 engine does not mean it is quick as you are all assuming, you just have to look at most american cars to prove that, what it does mean is that it is a large engine and insurers don't like that, also the fiesta is classed as a chav/boy racer/mod car and insurers know that so put the premiums up.

there are plenty of good cars that are better first time cars the citroen C1 is one and is in the lowest insurance group so you will see much lower premiums.

Rossy.

I don't think people are saying a 1.4 is too powerful in general

I think they mean that for a confident driver a 1.4 is a walk in the park to drive

But for a 17yr old lad who's just passed his test, it'll feel like a rocket.

atrixblue.-MFR-.

Rossy. wrote: »

I don't think people are saying a 1.4 is too powerful in general

I think they mean that for a confident driver a 1.4 is a walk in the park to drive

But for a 17yr old lad who's just passed his test, it'll feel like a rocket.

sorry i dont see how a 17yo newly passed will feel a 1.4 as a "rocket".

what are instructors driving these days 800cc smart cars?

like i said its not the engine being too powerfull, its the mind set of that individual putting that foot on the accelerator.

cars are machines they do what theyre told, go fast, go slow, its the individual that controls that car how soft or how hard he or she or shim accellerates, how he-she drives, hard and fast or soft and steady.

what ever happened to sitting next to them for a few days and nights, monitoring and letting them get used to the car get a feel for accelleration braking and getting used to the clutch, watching their drive style picking up on bad habbits such as failing to look in blind spot, reversing skills and pulling out of side streets, looking right first then left before pulling off and hazard perception.
ask yourself about their eyesight when was the last time they had their eyes tested? whats their seating position like? all too often do i see youngsters driving with their seat so far back their sat in the boot, or sat so far forward their chin is allmost on the stearing wheel. an airbag is a lifesaver but can also be dangerous or useless sat in the wrong postion.

youngsters dont respect anything these days as mummy and daddy pays for everything if it breaks mummy and daddy will pay for it.


under insurance views these cars such as corsa's, saxo's and fiests's etc are the most common car to be involved in an accident, and most commonly used and purchased by young drivers and those over 60 and most commonly stolen cars. not because theyre a boy racer car/most commonly modded cars.

insurers like to see us protecting our investments, security,advanced driving education courses etc.

mikey72

atrixblue.-MFR-. wrote: »

sorry i dont see how a 17yo newly passed will feel a 1.4 as a "rocket".

what are instructors driving these days 800cc smart cars?

like i said its not the engine being too powerfull, its the mind set of that individual putting that foot on the accelerator.

cars are machines they do what theyre told, go fast, go slow, its the individual that controls that car how soft or how hard he or she or shim accellerates, how he-she drives, hard and fast or soft and steady.

what ever happened to sitting next to them for a few days and nights, monitoring and letting them get used to the car get a feel for accelleration braking and getting used to the clutch, watching their drive style picking up on bad habbits such as failing to look in blind spot, reversing skills and pulling out of side streets, looking right first then left before pulling off and hazard perception.
ask yourself about their eyesight when was the last time they had their eyes tested? whats their seating position like? all too often do i see youngsters driving with their seat so far back their sat in the boot, or sat so far forward their chin is allmost on the stearing wheel. an airbag is a lifesaver but can also be dangerous or useless sat in the wrong postion.

youngsters dont respect anything these days as mummy and daddy pays for everything if it breaks mummy and daddy will pay for it.


under insurance views these cars such as corsa's, saxo's and fiests's etc are the most common car to be involved in an accident, and most commonly used and purchased by young drivers and those over 60 and most commonly stolen cars. not because theyre a boy racer car/most commonly modded cars.

insurers like to see us protecting our investments, security,advanced driving education courses etc.

Speak for yourself.
My 17 year old daughter's got a car she bought, taxes, insures, changes the oil and filter, does the ball joints, track rod ends, brakes, thermostat etc etc.
I'll help if she can't move the breaker bar though.
She's gone off to college in the snow after digging it out herself this morning.