New driver Insurance (17y/o)

Lifes_Grand_Plan

You won't like this but forget thoughts of VW Golfs and Ford Focus'.... this is laughable for a 17 year old with no driving experience... (sorry)

Also if you don't want stupidly high insurance then forget Peugeot 206, Fiesta, Corsa....

If I was you I would look at Daewoo Matiz 0.7 litre or Nissan Micra similar.... not cool one bit, but thats why they are cheap to insure... because kids in them are less likely to be wanna be boy racers showing off to their mates....

Incidentally I just went on Moneysupermarket and had a quote on a 1.0l Fiesta (for sake of example X-reg and worth £700) for a 17 year old with 3 months driving experience... quote was £2600 fully comp... interestingly it went up to over £3500 Third Party.... strange but true.

Same quote but for an 18 year old with 1 year experience was £1800 fully comp (excluding any no claims which hopefully you would have in that position.

Glad i'm not 17 again

clkaz

no-oneknowsme wrote: »

Did your parents help with the cost of your lessons ? They are mighty expensive now and myself and my OH arent really in a position to help pay for DD's lessons just at the minute.

DD does have a part time job as well as being a student but when it comes to the end of the week if theres a choice of saving for driving lessons or blowing a weeks wages on new clothes....well.....with a 17 year old girl im sure you know which option wins;)

haha, yeah my parents paid for all of my lessons, I don't really have to pay for anything myself, and im in my last year of school at the moment. But me being able to drive will benefit my parents a lot as well because I can replace my mum as the taxi driver. Hope that isn't a bad think i don't contribute, lol. But my parents are expecting a lot in return when they are "Old" :rotfl:

I admit the lessons are really expensive, I think mine cost about a grand altogether.

clkaz

Lifes_Grand_Plan wrote: »

You won't like this but forget thoughts of VW Golfs and Ford Focus'.... this is laughable for a 17 year old with no driving experience... (sorry)

Also if you don't want stupidly high insurance then forget Peugeot 206, Fiesta, Corsa....

If I was you I would look at Daewoo Matiz 0.7 litre or Nissan Micra similar.... not cool one bit, but thats why they are cheap to insure... because kids in them are less likely to be wanna be boy racers showing off to their mates....

Incidentally I just went on Moneysupermarket and had a quote on a 1.0l Fiesta (for sake of example X-reg and worth £700) for a 17 year old with 3 months driving experience... quote was £2600 fully comp... interestingly it went up to over £3500 Third Party.... strange but true.

Same quote but for an 18 year old with 1 year experience was £1800 fully comp (excluding any no claims which hopefully you would have in that position.

Glad i'm not 17 again

I learned to drive in a focus and thought it was quite nice. I'm quite tall so as long as there's enough room for me :rotfl: and there are 4 doors I don't mind.
what about toyotas?

no-oneknowsme

Do you really need to buy and insure your own car at the minute ?

Would it not be a bit cheaper to have you added on to your mum and dads insurance and just use one of their cars when you want to drive anywhere ?

This would be acceptable but only do it if you genuinely are only using their cars as a second driver on the policy....dont be tempted to buy a car of your own and insure it as one of your parents when really you are the owner and main driver. This would be fronting which i believe someone explained to you earlier on in the thread?

Being on one of your parents policies as a (genuine) named driver may well reduce your own premium price when you shop around for insurance in a year or two.

clkaz

no-oneknowsme wrote: »

Do you really need to buy and insure your own car at the minute ?

Would it not be a bit cheaper to have you added on to your mum and dads insurance and just use one of their cars when you want to drive anywhere ?

This would be acceptable but only do it if you genuinely are only using their cars as a second driver on the policy....dont be tempted to buy a car of your own and insure it as one of your parents when really you are the owner and main driver. This would be fronting which i believe someone explained to you earlier on in the thread?

Being on one of your parents policies as a (genuine) named driver may well reduce your own premium price when you shop around for insurance in a year or two.

its a bmw 5 series and its gna cost soooooooo much im guessing. plus its too big for me as a new driver.

Just out of interest hw can the insurance companies find out if u r fronting?

newfoundglory

Get a quote for a 2005 plate Peugeot 1007. Its in group 1, and should be okay even if you are quite tall. Remember to add a parent as a named driver to your policy, you will save hundreds!

clkaz

this is much more stressful than I thought it'd be

Sobraon

Clkaz, congrats on passing your test. VW Fox is gp 1 on the 50 point scale and is good for tall drivers.

NFU were good for young drivers until Dec but have revised their rates up a lot, Admiral looks best for my two children (bth under 20).

Our local road safety partnership pays for pass plus and this is worth doing. DD1 was shocked when she went to the first part of the course at how many new drivers (less than 6 months) had had a bump since passing their test.

no-oneknowsme

clkaz wrote: »

Just out of interest hw can the insurance companies find out if u r fronting?

If you buy a car and for example insure it as your mums car , if you are unfortunate enough to have an accident , the insurance company can investigate any claim you make on the policy.

Insurance companys are good at picking up on things like this, especially if your mum already owns and insures another car.

If in the event of a claim , the insurance Co consider that fronting my have taken place they will do all they can to prove it.

This could lead to them refusing to pay out on the claim and they would also be within their rights to cancel your insurance.

This would then mean that you could have a third party coming after you for damage to their car and possibly also for personal injury compensation.

As the company will also have cancelled your insurance , when attempting to find another company to insure you , you have to declare that you have had insurance cancelled which leads to massively inflated prices !

Just not worth the risk.

no-oneknowsme

It is perfectly ok though for you to be the owner of a car , the main driver of a car and then add your parents on as named drivers on the policy.

Add your mum first (if she has a "clean" licence) and see what the cost is . Then add your dad as a second named driver , just to see what this does to prices.