Car insurance for a 17yr old boy

sp92

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?

No chance of getting Car insurance when youre 18 either!!! As the THIRD driver, I get quotes of around £4,500 to £5,000 - this is on a 1.0 Micra, my parents have been driving since 1982 and have completely clean licences. I passed in June 2010. Prices are ridiculous. Absolutly exorbitant.

dojoman

The cheapest I got for my son to be added on to mine was 3.6k, just ridiculous.

khague

it is possible to get insurance a lot cheaper than this and legally for example i managed to get my 18 year old brother in law his insurance on a 1.2 clio for less than 800

pcal

khague wrote: »

it is possible to get insurance a lot cheaper than this and legally for example i managed to get my 18 year old brother in law his insurance on a 1.2 clio for less than 800

how ? i drive a 1.2 clio and am a lot older than that yet my insurance is 1300 a year

khague

there are some easy thing to do but only if you can for example i got it to this price by adding myself and my husband we are 22 and 24 and companies like this as we are experienced young drivers and generally the more additional drivers the less the policy holder will be driving so they view this as less risk, also make mileage as small as possible within reason as if you put 6000 but drive 7000 and they find out they will usually just alter it at renewal making sure car is not modified and where it is kept not to mention your occupation. I used to work in insurance so i know it can be done if you look at the right things. His clio is an x reg and all his insurance is completely legal, if you want my advise try some of the above if you have other people who you can add on, sounds daft but it works with the young driver groups eg admiral, elephant, bell. How old are you and how old is your car?

Mallotum_X

khague wrote: »

there are some easy thing to do but only if you can for example i got it to this price by adding myself and my husband we are 22 and 24 and companies like this as we are experienced young drivers and generally the more additional drivers the less the policy holder will be driving so they view this as less risk, also make mileage as small as possible within reason as if you put 6000 but drive 7000 and they find out they will usually just alter it at renewal making sure car is not modified and where it is kept not to mention your occupation. I used to work in insurance so i know it can be done if you look at the right things. His clio is an x reg and all his insurance is completely legal, if you want my advise try some of the above if you have other people who you can add on, sounds daft but it works with the young driver groups eg admiral, elephant, bell. How old are you and how old is your car?

So the advice is to lie about who is using the car and lie about the mileage and occupation. Probably a good job you no longer work in insurance then...

lisyloo

So the advice is to lie about who is using the car

Adding on additional drivers is not lying.
If you changed the main driver then that would be lying.

I didn't read the post, the same way you did.

I don't agree with underestimating mileage, but adding named driver and using a valid but different description for your job is perfectly above board.

bluenoseam

It's just par for the course, insurance for younger drivers has always been massively more expensive and will continue to be so - and before the "oh no they're not more likely" brigade chime up, they are LESS EXPERIENCED and as a result, statistically more likely to have an accident than someone who's been driving for 10 years. As a result of the random nature of accidents they (insurance companies) have to cover themselves - i will grant you not every 17 year old driver is a nutcase looking to bust 100mph but the truth is that they do exist and as a result the insurance companies get stung by them.

Tell him to go Pass Plus - ring for quotes before obviously paying out the extra cost, but it only costs £150-200 and could dramatically reduce your quotes.

khague

i dont mean lie im just saying put down the minimum no point in saying your doing 12000 a year if you do 6000 they will penalise this but not if you go slightly over, i would never suggest anything illegal and there is no reason an additional driver has to drive the car we are down as infrequent but all i can say is if you want cheap insurance its a suggestion but you just pay thousands if you want. i worked for a major insurer and was advised we can do this so therefore THERE IS NO LYING!!!

Simulacraton

Gosh. I have a little blue 17 year old Mark 1 Clio as well in my garage.

It's group 17 out of 20, its running about 210 bhp with a quite heavily modified engine and has full track racing suspension, mechanical limited slip diff and uprated brakes, fully stripped too. I use it almost everyday, at racing events too (separately insured for these events though!) and it only costs about £500 fully comp with Brentacre.

Thousands for a 1.2....Unbelievable!