Another Young Driver Horror Story!

Simulacraton

If its any consolation...when you hit around 60, you'll start to be rated as less of a risk as your female counterparts I believe

rzlosty

Also have a look at estate cars or anything else that young people don't tend to drive. Clios, Corsa, Puntos etc are what young people tend to get, there as you will find fewer young people driving an estate car or cars more mature drivers favour.

Also OP as you are 6ft 4' you will probably find it's more comfortable to get a larger car. I know my brothers over 6ft find smaller cars uncomfortable for journeys over an hour.

What sort of cars would you suggest, i know this may seem obvious but when your actually trying to think of them its a lot harder haha.

If its any consolation...when you hit around 60, you'll start to be rated as less of a risk as your female counterparts I believe

Ahh great! only another 43 years to go

mikey72

rzlosty wrote: »

What sort of cars would you suggest, i know this may seem obvious but when your actually trying to think of them its a lot harder haha.



Ahh great! only another 43 years to go

http://www.parkers.co.uk/insurance/Groups/by-group.aspx?ig=1#ig=0

http://www.parkers.co.uk/insurance/Groups/by-group.aspx?ig=2#ig=0
Go up the groups until you find a mix you can afford.

Paulgonnabedebtfree

Have you considered having a sex change?

rev_henry

rzlosty wrote: »

What sort of cars would you suggest, i know this may seem obvious but when your actually trying to think of them its a lot harder haha.



Ahh great! only another 43 years to go

People have previously reported success with Vectras, mondeos and volvos.

rzlosty

Go up the groups until you find a mix you can afford.

I am doing just that, but the cheapest ive got is £2606 for a Skoda Fabia. (in group 2) if i go past group 3 it doesnt seem to make a differnece between groups there all over £3500.

People have previously reported success with Vectras, mondeos and volvos.

4k+

RedBern

wow - frightening costs for insurance (particularly as I've a 17 year old boy who's learning to drive at the moment).

My older son drove a Kia Mentor (which looks like a renault megane classic - a boring saloon) and as it's wasn't a boy racer car or very attractive, the insurance was a lot cheaper than the similar sized mondeo or astra. He added me to his insurance (even though he lived away from home) and that took £150 off the price of his cover!

It is also worth trying co-op insurance - we had a good deal a few years ago when I had my son on the insurance - and was told then by an insurer that they spread the risk around, so one month Aviva (for eg) will have 17-20 year old males cheaper than everyone else - the next month co-op will have cheap cover for 17-20 year olds and so on. You just need to find out who's turn it is! Also consider Pass Plus - you used to be able to get a discount from some insurers for that.

If either of your parents have insurance, could they consider putting you on their insurance for 12 months? Be careful though that if you're the main driver of the car you declare that or you'll get found out and your insurance is invalid.

Good luck.

sarahlou89

Have you tried pass plus??
My fiancee passsed his test, bought a 1 litre 97 micra..and was getting silly quotes liek you are.
He went into Swinton they said 1800 which was better then the 3k, they then said we will give you it for 1300 if you do your pass plus in the next 60 days.

Also try going into some insurance companies or phoning them

bouncydog1

Suggest you go and talk to a good local broker - suggest not Swintons as apparently there have been a lot of bad reviews about them.

Brokers often have access to parts of the market (Lloyds for instance) that the general public do not. They will likely know of an insurer that specialises in insurance for young drivers. You could also try NFU - if you live in a rural area there may be a local office - as they often offer decent rates for young drivers.

Unfortunately though, the hard facts are that 17 year old males are the most expensive group to insure because of the claims experience of the group in general. Insurers are not likely to pay out much for own damage claims, because often this group will have cheap cars - the danger is the cost of third party injury. A sad fact is that if a third party is seriously injured, the cost of the claim will be higher than if they were killed, because of the continuing costs of lifetime care.

Although you are desperate for a car, you may be better off financially to wait until you have had your licence for a year when there will be an automatic drop in the age loading. It is a sad fact that the actions of the minority penalise the rest of us.

oscarward

annie12 wrote: »

Have you tried a company that does curfew insurance?

Our son is currently with I-Kube who have RSA behind it, he is due to renew in Feb . The broker contacted us and told us RSA are stopping doing this sort of insurance as they have lost a shed load on it. They're currently trying to find another insurer for him.