Insurance for 19 year old male.

hcb42

yes, but he might not want the criminal record to go with it

chelsea12356

This is so frustrasting, Il try zurich and endsleigh today see what they quote me. Do you think adding my nan and mum to my policy will make that much of a difference?

DCFC79

chelsea12356 wrote: »

This is so frustrasting, Il try zurich and endsleigh today see what they quote me. Do you think adding my nan and mum to my policy will make that much of a difference?

i suggested zurich and endsleigh as im sure 1 of them caters for students(or they used to), i think its endsleigh actually

yes try adding your mum as a second driver,

clangnuts

I understand the problem young people have with car insurance these days, but I often see that they have quite expensive cars, and seek fully comp insurance. My first car was a £250 banger, and I had third party insurance only. I thought this was the most sensible way into car ownership. Only after a few years of building up a NCD did I upgrade to a better car. Even then, it was just a slightly more expensive banger. By the time I had a decent car, I almost had a maximum No Claims Discount.

scheming_gypsy

clangnuts wrote: »

I understand the problem young people have with car insurance these days, but I often see that they have quite expensive cars, and seek fully comp insurance. My first car was a £250 banger, and I had third party insurance only. I thought this was the most sensible way into car ownership. Only after a few years of building up a NCD did I upgrade to a better car. Even then, it was just a slightly more expensive banger. By the time I had a decent car, I almost had a maximum No Claims Discount.

Fully comp these days often works out cheaper. What 'seems' to happen is that insurers presume that if you drive a cheap car with only third party insurance, you're not going to take much care. If you don't take much care then they'll be paying out to the person you hit.

oscarward

Try Adrian Flux, they beat the lowest quote our 19yr old son had.

He has a hyundai i10 (no street cred but it gets him around ), the previous year he was with I-kube and RSA for £1800 and has just renewed for £1100ish with Adrian Flux.

RSA don't want young drivers anymore so came back with a silly figure for the renewal.

Sorry missed you saying you had tried adrian flux

lisyloo

but I often see that they have quite expensive cars, and seek fully comp insurance. My first car was a £250 banger, and I had third party insurance only.

I don't think that will make a massive difference TBH.
The majority of the cost is to cover 3rd party claims, not the car itself.
If you maim someone and the insurer has to pay £2million for 24/7 ongoing care for the rest of their life, then it doesn't matter whether you were driving a £20K car or a £200 car (extreme example, but hopefully it makes the point).

Ginger_Red

Could you not just use your parent's car(s) and have yourself added as a named driver ?

You might find that owning your own car is a bit of a luxury if just insuring it is costing you a couple of grand a year.

clangnuts

I didn't realise that third party wasn't that much cheaper now. I've had reasonably good cars (hence fully comp) for a long time now. Driving must be a real luxury for young people now.

Nikkisun

Ginger_Red wrote: »

Could you not just use your parent's car(s) and have yourself added as a named driver ?

You might find that owning your own car is a bit of a luxury if just insuring it is costing you a couple of grand a year.

My 17yo son passed his test last week - to insure his own car (fiesta/punto) the quotes are between £3600 and £4200, to add him as a named driver on my car (nissan note) is £5500!!!!