Car insurance for 17yr old lad

jowilson1972

My 17 yr old son is taking his driving test in two weeks. we haven't bought a car yet but are looking at a a Fiesta or Panda. Actually not bothered what car he has just as long as he has transport.

I have been on some comparision sites and the quotes range from £2700 to £8000!!!!!!!!!!!!

Any suggestions on cheap insurers please or/and tips when completing the quotes?

btw...I have already added myself and hubby as named drivers which has dropped it a bit

DCFC79

May i point you in direction of this thread, its the insurance sub forum where you can search for threads for help

gpc273

Also look at, read and follow the advice given on this site, written by Martin on car insurance.
Just hold your mouse over the INSURANCE chapter at the top of the page and select cheap car insurance, simples.

mchale

Sorry to say I'd be suprised if you will better the £2700 quote by much.

gonzo127

mchale wrote: »

Sorry to say I'd be suprised if you will better the £2700 quote by much.

totally agreed, i am sure i was reading somewhere that the average price for a new driver in the 17-22 year old bracket is about £3000 so £2700 for a 17 year old just passed their test is probably about as good as you will get

jackthenipper

What is the make & cc of car he is trying to insure?

discplayer

gonzo127 wrote: »

totally agreed, i am sure i was reading somewhere that the average price for a new driver in the 17-22 year old bracket is about £3000 so £2700 for a 17 year old just passed their test is probably about as good as you will get

Indeed:

The AA's Shoparound average for men aged 17 to 22 increased by 46.6% in the year to October 2010, to a staggering £2,457. The Shoparound average for women of the same age increased by 58.8% during the same period, to £1,423.

[FONT=&quot]Source:[/FONT] House of Commons Transport Committee, The cost of motor insurance, http://www.publications.parliament.uk/pa/cm201011/cmselect/cmtran/591/59104.htm

Stigy

Insurance for a young lad is never going to be cheap I'm afraid. 10-years ago at 19-years old, I paid £940 for my insurance on my first car (most companies wanted upwards of £1,500!), which was a great deal. These days, what with inflation etc, £2,700 sounds about the norm. I recon with a bit of searching you'll find it for around £1,500. Price comparison websites aren't always the best way to go, and getting individual quotes sometimes works out cheaper. I'm currently in a situation whereby I'm insuring a car on my own policy for the first time in several years after using the wife's policy, and bearing in mind i'm 28-years old, I think £600 a year for a 1.3 Fiesta is rediculous. Compare the market were having trouble getting below a grand!

My first car was insured third party only as it was far far cheaper when I past my test, but these days TPFT or TPO insurance in most cases is more expensive than Fully Comp, which begs the question "what's the point in other, lesser cover if it's more expensive?"

gonzo127

i think the only other thing to look at might be classic cars, the old vw bettles for example sometimes can be a lot cheaper to insure so it might be better looking in that direction and looking for specific classic car insurance

bob_a_builder

Also watch out for the pre test pass price and the post test price

i.e. its lower pre pass since not on the road much - is it worth having the car pre pass - since they would only be driving accompanied, presumably when you were avaiable to sit with them - so the cost / hour for insurance at the time is pretty high
Maybe only get car & insurance post test pass ?
Depends how quickly they pass I suppose ?

Edit: in your case 2 weeks hopefully - so less relavent to OP

Also remember you are supposed to inform insurer after pass so they can charge you the increased rate to take account of increased driving

On 1st sons cars, I really wasn't aware of that last part so had'nt notified them, so for 6 months or so after test he was in fact probably driving uninsured !!!

nullogik

gonzo127 wrote: »

i think the only other thing to look at might be classic cars, the old vw bettles for example sometimes can be a lot cheaper to insure so it might be better looking in that direction and looking for specific classic car insurance

Just be aware that if you go down the classic policy route you won't accumulate any no claims bonus. Thats the case with the vast majority, if not all, classic policies that are out there. A lot of companies won't offer classic car policies to those under the age of 21 and 23 in some cases. No doubt there are some out that probably do so its worth doing some research. And finally, some stipulate that you must own another car which is your "regular use car" (can be with any other insurer) and that your classic is used as a secondary vehicle.

Footman James, Lancaster, Carole Nash, Sureterm, Peter Best & Adrian Flux are just some examples to get your research started.

Perhaps its worth enquiring about those pay-as-you-drive "little black box" policies that are out there? (see Martin's article on car insurance for more info)