car insurance for new boy drivers

fat_boy_fat

What a waste of a day yesterday was. My son is soon hopefully to pass his driving test (yippeee end of Dads Taxis) he wants to buy a little car for a couple of grand but the insurance quote via the usual suspect comparison sites wants upwards of £2500 ( 1 was £7800.00 ) for third party.
does anyone know of cheaper altenatives or companies. We are with Quinn for our other son but they do not even come on the radar for son number 2.
He's still living at home as student with a part-time job as lifeguard at local leisure center.
Girls quotes are half as much.
any feed back would be appreciated.
I would put some smilies in the text but don't know how.

DCFC79

Reason why girls are half as much is because they are seen as less of a risk than boys, it depends what car you are trying to get ins for, go for low engine eg 1.0, 1.1 cars

whatmichaelsays

A young male is, unfortunately, going to be quoted a king's ransom for insurance. £2500 is par for the course for a teenage male driver.

My suggestion would be to get a cheap banger, something that he would be happy to "walk away" from if anything happened and then ramp up the excesses on the insurance quotes. The only problem with that is he'd still have a big bill if he caused an accident.

MsHoarder

Also make sure he's not getting a "boy racer" car. Corsas are an example of this. Basically if you generally see lots of teenage boys in that type of car then it will be in a higher insurance group.

And you can add smilies by clicking on them to the right of the panel you type in :cool:

karlie88

get him a ford ka 1.3. cheap to insure, but be prepared for his mates to have a few 'digs' at him.

but seriously though, find one on auto trader (£1000 - £1500), edit and type in the reg on the comparison website, click fully comp (silly as it sounds, it should make it cheaper); that should knock off a couple/few hundred pounds from what you're getting. if you've got adimral/elephant in your top 5 results, click on the weblink. that should should take you to their site; select '10 month bonus accelerator' - that should knock off another £200 or so....

give it a go and see what happens....

BugsyBrowne

fat_boy_fat wrote: »

What a waste of a day yesterday was. My son is soon hopefully to pass his driving test (yippeee end of Dads Taxis) he wants to buy a little car for a couple of grand but the insurance quote via the usual suspect comparison sites wants upwards of £2500 ( 1 was £7800.00 ) for third party.
does anyone know of cheaper altenatives or companies. We are with Quinn for our other son but they do not even come on the radar for son number 2.
He's still living at home as student with a part-time job as lifeguard at local leisure center.
Girls quotes are half as much.
any feed back would be appreciated.
I would put some smilies in the text but don't know how.

The reason for high insurance for young drivers is because uninsured drivers get away with murder these days, its just another day for them, they should bring in a law where anyone caught without a license or insurance should be banged up for a year and never be able to drive a car again, this might bring down the cost of insurance.
You won't get away with it in certain countries...

motorguy

karlie88 wrote: »

get him a ford ka 1.3. cheap to insure, but be prepared for his mates to have a few 'digs' at him.

but seriously though, find one on auto trader (£1000 - £1500), edit and type in the reg on the comparison website, click fully comp (silly as it sounds, it should make it cheaper); that should knock off a couple/few hundred pounds from what you're getting. if you've got adimral/elephant in your top 5 results, click on the weblink. that should should take you to their site; select '10 month bonus accelerator' - that should knock off another £200 or so....

give it a go and see what happens....

Would you really want your son driving about in something so primative and small as a Ka 1.3?

karlie88

pgilc1 wrote: »

Would you really want your son driving about in something so primative and small as a Ka 1.3?

op did state that they want to 'buy a little car'. anyway, just out of interest, i suggest the op tries it out....

hartcjhart

pgilc1 wrote: »

Would you really want your son driving about in something so primative and small as a Ka 1.3?

out of the tens of thousands on the road would you care to say how many have had bad accidents/fallen apart

a small car is a small car, unless you can afford a hummer for your little darling then you are stuck

OP assuming your wife drives or another female relative try adding them as a named driver

atrixblue.-MFR-.

MsHoarder wrote: »

Also make sure he's not getting a "boy racer" car. Corsas are an example of this. Basically if you generally see lots of teenage boys in that type of car then it will be in a higher insurance group.

And you can add smilies by clicking on them to the right of the panel you type in :cool:

show me proof and i'll believe you.

corsa's astra's ka'a fiesta's focus's saxo's clio's are all common cars to be in a collision purely because theres so many on the roads. not much in the way of security and low to moderate saftey ratings. coupled with the factor YOUNG people aged between 17-25 are most likely to be in an accident, more so boys than girls, and the area you live in can have a impact on insurance.

you said you drive OP, then add him as a named driver this will bring the poilicy down for your son even better if you oh drive female discount plus mature driver.

good security fitted E.G thatcham catagory alarms and anti theft devices can also give discounts. so check ebay for a new alarm system then get quotes for autoleky to fit it, thatchem catagory alarms come with cirtificates to send off to the insurer and the quoting system will have a listing for the catagory of alarm e.g factory fitted thatchem catagory 1 alarm thathem catagory 2 alarm fitted.

pass plus course cirts can fetch a quote down by as much as 30% with some insurers. (but some insurers are starting to get stringent on whether to accept them and may not make a difference)

compare sites in my opinion compare maximum prices, everytime i get a quote from them their in the £1000's i go direct to a broker, and its a few hundred.

dont be affraid to do battle with insurers either, get one on the house phone and the other on a mobile and battle lowest quotes between them both are going to want custom and a good reputation to be past onto friends and family.

maximum excess will bring it down but bare in mind in the event of a bump he has to pay the young driver compulsory excess and then his volunatry excess, so by selecting max he could pay around £1000 in excess fee's in the event of a bump.

thrid party cover sometime work out dearer for young drivers fully comp is cheaper.

mileage is another factor with insurers lower the annual mileage lower the quote.

car being kept on a driveway or garage is cheaper than the street or parking area. more so if the garage is alarmed or the driveway covered by home cctv.

i'd recommend a skoda fabia 1.2 mpi or VW Polo as a first car.

being a member of a car club E.G ford owner club may give discounts.

heres a tip for other parents that have teens learning to drive or going to learn to drive, if your insurer offers a NCB for named drivers, as soon as they get thier provisional put themon you insurance as named driver so when theyre learning they earn a NCB to get them off the ground with insurance of their own.
they dont have to use your car just be insured on it.
(provisional drivers are cheaper to insure than newly passed)

edit he's going to need cover fo social domestic and pleasure and commuting if he uses for work purposes.

altering his status from student to part time employed and occupation as a lifeguard may help rather than just student on the policy.

rev_henry

whatmichaelsays wrote: »

A young male is, unfortunately, going to be quoted a king's ransom for insurance. £2500 is par for the course for a teenage male driver.

My suggestion would be to get a cheap banger, something that he would be happy to "walk away" from if anything happened and then ramp up the excesses on the insurance quotes. The only problem with that is he'd still have a big bill if he caused an accident.

Why? There's no excess to pay on 3rd party claims. But he'd have to pay for his own car to be repaired, if that's what you meant?

MsHoarder wrote: »

Also make sure he's not getting a "boy racer" car. Corsas are an example of this. Basically if you generally see lots of teenage boys in that type of car then it will be in a higher insurance group.

And you can add smilies by clicking on them to the right of the panel you type in :cool:

That's not quite true. Corsas might cost more to insure aren't in higher insurance groups. Insurance groups, btw, mean nothing now it would seem. You need to get actual quotes. My car is group 7, but costs about half as much as some other group 7 cars.