Car insurance for teenagers

Laughingbear

My son (nearly 17) is looking to buy and insure a cheap car. The quotes we are recieving are astronmical (£5k - £24k)

Anyone got any hints, tips or recommendations for how to bring this figure down to one lower than is annual salary???

opinions4u

Admiral, Aviva - may be options.

Buying a car with an engine size less than 1000cc.

Adding both parents to the policy as additional drivers (Mum first).

Parking on the drive rather than the steet (but you should then do this).

Waiting a few years.

Laughingbear

opinions4u

Thanks for that.

We went down the 'confussed.com' site last night. Couldn't beleieve it. He'd be working EVERY week until Thursday lunchtime JUST to pay for car insurance!!

tamarto

Buying a non typical boy racer car, ie not a corsa etc.

N3WLIFE

Try tesco directly/tesco compare

ice_babe

N3WLIFE wrote: »

Try tesco directly/tesco compare

My 17 year old brother passed his test on Friday. And I spend all day getting quotes for him as he wanted to be able to drive his car over the weekend! One of the problems we found was alot of insurance companys wont cover under 18s Tesco was one. Also most wont let him pay montly untill he was 18 either.

The cheapest quote we got was £2513 tpft with adrian flux for a 1.1 02 Reg Clio.

The.Far.Tall.Knight

He has no chance of getting anything other than the likes of a micra 1.0 insured for less than 3k+ fully comp and can get turned away from a lot of them as some insurance companies wont even entertain him, his best option is to run a bit of a banger for a year, say something with tax mot and costing no more than £450 he can insure 3rd party only and if he gets hit not his fault then ok he's got his 1st year NCD. a young lady colleague at work is 21 and currently paying 2.5k for a Clio. He wont get a credit agreement to pay monthly on the drip till he's 18 and may even get turned down for that as he wont have much of a credit score till he's 20. Sorry to be a cynic but if you are on a budget and it sounds like it then he'll be working for a year or two just to pay his insurance and run it, but by the time he is actually 25+ (which is the best era) ie: 3 or 4 years NCD with a clean license etc by that time the price of petrol/diesel will be about £10+a gallon

PS: if he ever gets a ticket for anything even a minor speedo then.........game over
PS again: keep us posted as to how he gets on

Laughingbear

I took the stance of trying to delay him going on the road and managed this for a good few months but with him working and needing a bit of independence he's really wanting to drive his own car.

I've asked him to ask around his mates to see who they've used but the whole thing seems a bit of a disgrace if you ask me with insurance companies being able to 'tar everyone with the same brush'.

In light of the satelite in pubs campaign that was won last week, does anyone have any knowledge of buying 'foreign' insurance say from Germany or France in the hope of by-passing these extorsionally high UK premiums?

skid112

why do you need three threads for this?

lisyloo

but with him working and needing a bit of independence

Could he consider a motorbike/scooter?
Motorcycling does not seem to have the same insurance issues as cars, plus cheaper fuel.

tescobabe69

Insurance is about probability, and the probability is that a seventeen year old, testosterone fuelled, immature show off is (more)likely to have an accident and the costs of repairing the damage he might cause is a lot of money, hence astronomic premiums.
None of the above applies to my angelic 18 year old, or your son, however proving that to an insurance company is a little difficult.