17 year old son needs car insurance

nicholasgary278

just got my son insured with aviva - 54 plate citroen c2 sx 1.1
tried loads of different companies online and by phone - spent hours
had a quote for £1689 with me as main driver (not fronting as I will be using car as well as my old car is dead) and my son as named driver
Gave them a ring and they got me a quote with him as main driver and me as named driver, fully comp, him on a provisional licence, with the likelihood of the premium staying the same when he passes his test (most insurers increase the premium on passing)
Wait for it £1226.80 - really pleased as you can imagine
All I can say is well done Aviva for being realistric and not ripping the normal person off - not like most
GOOD LUCK!

jjblondie

My friend's mum's daughter just passed aged 17 and because both the mother, father and daughter all have cars, they found that Admiral multicar saved them loads of money. Might be worth a look if you have 2 or more cars to insure.

Gigervamp

motherb wrote: »

Why shouldn"t a 17 year old be driving ?:(

Because most of them think they're indestructable! :rotfl:

Just go to your local out of town shopping place after it's shut and see how many hatchbacks there are in the car park, all with teens/young 20's behind the wheel. And note how they drive into/out/around the car park.

The reason insurance is so expensive at that age is because it's been shown that they're more likely to be in accidents. Whatever insurance you need, if you're in a high risk category, you're going to pay higher premiums because the insurers have to pay out more for that category.

copier_guy

To be honest, when i had passed my test at 17 i thought my first car was a harrier jump jet - i was'nt the worlds best driver - some of my mates were worse

Now im nearly 40 i treat my driving license like gold - license required for my job.

cyclingyorkie

My DS passed his test at 18 and bought a 1996 Ford Fiesta for £600.

To get his insurance down he has in i-kube fitted - the terms of his insurance mean he cannot drive between 11pm and 5am ( failure = £40ish fine!)

This brought the insurance down from £2200 to £1500!

Boys are more expensive than girls to insure - they have more accidents and therefore are a greater risk..

notakid

Another one here who got avvia. Much cheaper than anyone else.

A blanket statement of all young drivers shouldn't drive is ridiculous. My son drives like an old lady. He is terrified of speed cameras and the police pulling him over. I have to tell him to drive over 20 miles per hour.:p

timberflake

Few points to bare in mind:

1. Buy a car in the lowest insurance group you can.
2. Don't let him fit a fancy stereo/speakers.
3. If you've got offroad parking or a garage, allow your son to use it.
4. Make sure his car is fitted with an alarm.
5. Look into taking all the extra qualifications he can (pass plus for example).

Bottom line, he's going to get stung no matter what he does. Putting him on your insurance would only hinder him in the long run and is insurance fraud if he's the owner/main driver.

The best way to get a low premium is to get a few years no claims under his belt, he should then see him premium come down.

Darlyd

Cheaper not to have insurance, it's only a $100 fine if your caught!

I too think 17 yr old's are to young. 21 should be the limit! That is just my opinion though.

Good luck finding an insurance company, but to make you aware, what is a good deal for one, may not be a good deal for another.

dibuzz

I think it's unfair to say all 17 yr olds shouldn't drive.
Like any age group there are good and bad drivers. My son was only 3 months past his 17th birthday when he passed and is a good driver. After being scared to go out after being attacked and almost left for dead 6 months earlier it was very important to us all for him to get some independence. His insurance was about £3000 with Quinn Direct.
My other son passed at 19, he was never really interested and only did it to stop his dad moaning on at him.
He then didn't drive for 3 yrs until he needed a car for work so his first insurance wasn't as bad at £1700.
Both my sons got a good bit knocked off for having me as a named driver (I have driven both their cars) and fully comp was actually cheaper than TPF&T.

gemmalouanna

A few people mentioning Aviva - don't they set their excess massively higher than other companies hence the cheaper prices?

My brother thought he had a good price until he saw the £1000 excess which applied.