Car insurance for a 17yr old boy

midnightoiler

Hi, I'm currently sat here in a state of shock!!! I have just used the various price comparison web sites to get a quote for my son who has just passed his test. The cheapest quote for his own insurance with his mother and I as named drivers is £6.5k upto £26k for a 10yr old 1.1 Saxo. He has had his own insurance for 6 months while learning but they dont insure drivers with a full licence,so this must end.
We really want him to have his own insurance rather than be included on ours.

I don't like the idea of the "black box" schemes beacuse my wife and I may also need to use the occasionally.

Does anyone know of any companies that specalise in young driver insurance?

opinions4u

Try the price comparison sites or Admiral or Aviva for staters.

I'd still expect it to be nearly £4k though.

Can you wait until he's 18?

mikey72

opinions4u wrote: »

Try the price comparison sites or Admiral or Aviva for staters.

I'd still expect it to be nearly £4k though.

Can you wait until he's 18?

What's the point in that?
In a couple of years it will be 18 year olds being charged a ridiculous amount, as no 17 year old will be driving.

Look at a different car though, the saxo is expensive to insure because of it's image.

charlie792

Definatly agree with mikey72 - saxo's will automatically cost a fortune to insure because there are seen as a boyracer kind of car....

I know its not exactly glamourous but my OH had a Ford KA when he first past his test - very low insurance for that, think it was less than £1200.

adamc260

I'm 22 with 4 years NCB and even my premium is creeping up ... feel so sorry for anyone whos trying to get on the road, being priced out the market =/ No wonder so many uninsured drivers on the road

mrs_B_5

TheEffects wrote: »

Hi

Its expensive for a 17 year old, any young driver infact. This is due to not having the experience. In addition to them taking risks on the road.

You have to ask at 17 do you need a car and a the expense. Forgive me if Im wrong but public transport is their. Everyones premium are going up due to young people taking risks. Thinking that real life to thems like a playstation, and that they get 3 lives. You don't. Some youngers are like maniacs doing all sorts of manouvers on public road?

Is your son a Sales manager that he needs to go from branch to branch. up down the country

So many young people end up dieing or 9/10 survive only to kill an innocent person. Then the police have to pick up the pieces and goo and knock on someones door. Due to the risks a 17, 18 year old has taken.

Ive seen the types usually parked up on a street cornar up to no good late in the night, even in the macdonalds car parks late at night, when they should be in bed.

Save up and buy when they are older. Then they can get cheaper premiums. I mean the quote that you got, Is it worth paying that much?
I wonder how much is the excess gonna be?

I think you need to come down off your high horse & stop making such sweeping generalisations :mad:

Yes. It is expensive for a 17 y/o to drive but the only way the premium will ever come down is for them get their own insurance, which I would imagine is what OP is thinking. The first year is expensive whatever the drivers age due to lack of experience, hence the young or inexperienced drivers excesses on certain policies.

For a 17 y/o to have a car enables them to look further afield for a job which is something people are having to do in the current climate & gives them a degree of independance. It can also give them something to value & improve their understanding of money & budgeting.

Not all accidents are caused by young drivers. In fact, I have had a number of run-ins, when driving my partners car (a modified toyota starlet), with middle-aged business men who want to prove a point. I defy anyone to say (honestly) they have never done anything reckless in their life, be it involving a car or not. How many people have a quick pint & then drive home?

If people take the time to speak to those people in McDonalds car parks they might find a different story. Yes there are the stupid ones, and yes there are those who cause trouble. But the largest crowd in our local McDonalds are a group of us between roughly 19-28 y/o (with the exception of a couple of blokes aged 40ish) who all have a great deal of respect for our cars & our cars are probably in better condition than the majority of cars on the road.

Sorry for the rant. It just infuriates me when these sweeping generalisations get thrown about with little thought behind them.

mikey72

TheEffects wrote: »

Hi

Its expensive for a 17 year old, any young driver infact. This is due to not having the experience. In addition to them taking risks on the road.

You have to ask at 17 do you need a car and a the expense. Forgive me if Im wrong but public transport is their. Everyones premium are going up due to young people taking risks. Thinking that real life to thems like a playstation, and that they get 3 lives. You don't. Some youngers are like maniacs doing all sorts of manouvers on public road?

Is your son a Sales manager that he needs to go from branch to branch. up down the country

So many young people end up dieing or 9/10 survive only to kill an innocent person. Then the police have to pick up the pieces and goo and knock on someones door. Due to the risks a 17, 18 year old has taken.

Ive seen the types usually parked up on a street cornar up to no good late in the night, even in the macdonalds car parks late at night, when they should be in bed.

Save up and buy when they are older. Then they can get cheaper premiums. I mean the quote that you got, Is it worth paying that much?
I wonder how much is the excess gonna be?

For the record, I'm way past 17, but you really need to stop reading the Daily Mail.

1/10 17 year olds die, the other 9 kill someone else?

Browntoa

click the spam button on Will Matthews post

opinions4u

mikey72 wrote: »

What's the point in that?

The OP asked for ideas on how to save money. Waiting until 18 will almost certainly mean a lower insurance premium.

In a couple of years it will be 18 year olds being charged a ridiculous amount, as no 17 year old will be driving.

Except 18 year olds are lower risk than 17 year olds, so there should be no change to the premium as a result of thousands of 17 year olds deferring their cover for a few months.

If you've got a kid who is 17 and a bit (and the "bit" is somewhere higher than half a year) it is usually worth waiting until the next birthday to commence insurance.

My apologies if you think that's a bad money saving idea.

Blondie11

Hi

I too have posted the same enquiry last week. Our son will be 17 in July and will definitely need to drive as soon as possible, as he is at college and is looking for an apprenticeship. Public transport, for where he is based is rubbish, for instance a 15 mile journey which takes 20 mins in a car takes 2hrs 13 mins on the bus and will not get him to where he may need to be until nearly 9.30 in the morning. This will not be acceptable to a possible employer who will need him to start at 9am. There are some young people out there who are actively seeking apprenticeships to further their careers, and not sat on their backsides doing nothing, and will most definitely need their own transportation. I get really cross when our youngsters are judged before they even get behind the wheel. There not all idiots, I know that there are some but that happens in all ages! Car insurance companies are just ripping our younger generation off, they cannot do right for wrong they are encouraged to seek employment or further education but then they get pipped at the post and are penalised with extortionate insurance for which they cannot afford in their wildest dreams. Sorry for Rant.

geri1965_2

My nephew is 17 and has just passed his test - he had a car which was my grandad's, who passed away in December. He has been quoted £3,000 which is totally beyond him, as he is at college and only works part time in a hotel.

I think the car is a Fiesta, nothing flash.

He is 18 in March, will it make much difference in terms of premium? As it is, he can't afford to drive the car so it's just sitting there on the road not being used.