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help with insurance for a 18 yr old

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Comments

  • common guys a ford ka or corsa is the lowest priced insurance cars for new drivers i checked .. but any new driver will know prices daft

    I understand there higher risk but how can young ones gain experiance if they cant afford it

    Deb
  • andyo
    andyo Posts: 93 Forumite
    edited 9 January 2011 at 1:19AM
    bebbeb69 wrote: »
    common guys a ford ka or corsa is the lowest priced insurance cars for new drivers i checked .. but any new driver will know prices daft

    I understand there higher risk but how can young ones gain experiance if they cant afford it

    Deb
    I agree bebbe69, but unfortunately the insurance companies apparently don't. I have an 18 year old daughter too, who last year passed her test. We have two cars and put her on as a named driver on the smaller one. It cost around £500. We are not being illegal as she is not (honestly) the main driver and uses the car as required (we are forunate enough to have a good train service). I know it's not the same as having her own car and may be delaying the inevitable as to when she eventually does get one of her own, but it works for us now.
  • forgotmyname
    forgotmyname Posts: 32,955 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Dont worry soon we will all be paying £2000 a year for small hatchbacks. Family sized car will require you to have
    3 jobs or an MP's expense claim form.
    Censorship Reigns Supreme in Troll City...

  • Quote
    Quote Posts: 8,042 Forumite
    andyo wrote: »
    The op was asking for help and advice and a comment like this, to my mind, was condescending and not called for.
    I'd say your reply was more condescending than the question they asked. But, you know, horses for courses and all that...
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    edited 9 January 2011 at 10:46AM
    I assume you've tried the various price comparison sites. Admiral, Endsleigh as well perhaps, along with Aviva who used to have a 10 month premium that accelerates NCD.

    Consider Excess, third party, naming two parents on the policy etc.

    I would also suggest to anybody else reading this thread (and over 150 hits are reported at the time of me tpying this) to plan ahead in their finances - find out the costs of things before you are committed to them, not afterwards.

    Good luck!
  • jdvhsully
    jdvhsully Posts: 113 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    One of the options that we did is to put a parent as a named driver on the childs policy- this brought the premium down, and its worth checking which parent is better (one year it was mum, but the next year it was dad)

    we have also used admiral multi car as well in the first year
  • bouncydog1
    bouncydog1 Posts: 2,696 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Insurance for young drivers once they pass their tests is very high - I am surprised that your daughter's friends didn't tell her this.

    Best suggestion is for you to go and see a broker (not Swintons who get some bad reviews) and see if they can help as they will have access to markets that do not advertise on comparison sites.

    Other suggestions are Co-op, Aviva, NFU who apparently are all amongst companies that will insure young drivers.

    From your comment on postcodes, it would appear that you live in quite a high risk area and insurers may charge high rates because that is where a lot of their claims are coming from. If it is any comfort, your daughter should be grateful she is not a male as they have to pay even more.

    Other tips: add an older relative with a clean driving licence, try your own insurers to see if they can do anything. Do not try fronting the policy for her (putting in your name and pretending she will only be an occasional driver) as in the event of a claim, insurers will pursue you for the premium (if they pay) or may cancel the policy leaving you with a cancelled policy to declare for all sorts of insurance cover, rather than just motor.
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