Car insurance for 17 year old

westv

Is there much difference in price between insurance for a 17 year old first time driver and insurance for a 19 or 20 year old first timer?

karlie88

Zack1 wrote: »

Am I right in thinking all I need are copies of their driving license? I know a few friends that will help me out if that's all that I need

All I needed was some details i.e. their name, DOB, years NCB, no. of years with full driving licence etc.

No documentation required; I'm with Admiral (I believe Admiral, Elephant, Bell etc. are all the same).

seller392

My 17 year old son spend some time checking out insurance costs for potential cars he was interested in purchasing using comparison web-sites so he knew what the insurance cost would be. The insurance on the car he eventually purchased was quoted as costing a few pence over a thousand pounds. On purchasing the car he went to activiate the quote, which rapidly turned into a revised figure of £3,500. The 2nd highest quote £1213 (stated as being valid for 30 days) required he call the insurance company before it was offically activated. On doing so he was told "the computer systems weren't working properly yesterday. I'll do you a new quote" -which came out as £2,500. He's now trying to work out how he can afford the car he thought he had done all the necessary upfront work to understand the running costs. Is what's happening with the Comparison web-sites / Insurance company quotes legal? It seems to be a complete misleading / misrepresentation of reality. Note: There were no material new info which would have affected the quote.

Zack1

Are you sure there wasn't any kind of typo on the original entry of information? A few pence over a grand seems far too good to be true for a 17 year old male - I'm only just getting that at 20, passed 2 years ago and having added 3 named drivers. People I know have had the same quotes on purchasing as they were told before getting the car - was there a big gap for you? As like you say, they are only valid for 30 days, but that's a hell of a hike even after 30 days!

Really feel for you and your son though, hopefully you can get it sorted as having to pay over double is horrible.

Others may have more to add, but have you tried officially complaining to the company you are now with? You may be able to get some kind of compensation or at least reasoning into what happened. Hope it works out for you both

seller392

Quote was obtained late yesterday evening, and my son contacted the Insurance Company (FIRST Insurance for Men) first thing this morning. Update after I talked to them this pm. Confused.Com was not passing through the year to FIRST Insurance. One of the insurance companies when getting a blank year, returns a "default, but invalid estimate. Therefore the quote is not valid - sorry". So, it seems that my son was really, really, unfortunate and requested a quote at just the wrong time (over the weekend).
Lesson learned is not to believe the insurance quote until you've had it fully verified by the insurer. Does anyone know what the legal position is on online quotes re when the transaction becomes legally binding? Eg if a shop misquotes a price then they have to honour the price on the ticket. Is it different in the online world?
I still have to follow up with the insurer (YouChoose) who quoted us £1,000 then raised it to £3,500 to find out the explanation for that rise. In the meantime we've now found a quote from Tesco for a bit over £2,100 which appears to be the best option - assuming there's no complication with it . The joys .

bluenoseam

seller392 wrote: »

Quote was obtained late yesterday evening, and my son contacted the Insurance Company (FIRST Insurance for Men) first thing this morning. Update after I talked to them this pm. Confused.Com was not passing through the year to FIRST Insurance. One of the insurance companies when getting a blank year, returns a "default, but invalid estimate. Therefore the quote is not valid - sorry". So, it seems that my son was really, really, unfortunate and requested a quote at just the wrong time (over the weekend).
Lesson learned is not to believe the insurance quote until you've had it fully verified by the insurer. Does anyone know what the legal position is on online quotes re when the transaction becomes legally binding? Eg if a shop misquotes a price then they have to honour the price on the ticket. Is it different in the online world?
I still have to follow up with the insurer (YouChoose) who quoted us £1,000 then raised it to £3,500 to find out the explanation for that rise. In the meantime we've now found a quote from Tesco for a bit over £2,100 which appears to be the best option - assuming there's no complication with it . The joys .

Firstly, incorrect, it's an invitation to purchase, until the money changes hands for services they can remove the product from sale, most places will honour the price on the ticket as a measure of good will, however they're under no obligation to do so.

But back to your point, it's a bit shoddy they're screwing you around like that, but to be honest i think there should have been alarm bells ringing when you see a quote for a 17 year old anything under £1750-2000. I'll assume ofcourse you've added all the named drivers but have they also thought of doing either a Pass Plus or an IAD (institute of advanced drivers) course, they will sometimes reduce premiums too.

17 year olds + car insurance never have & never will be a happy marriage and like all unhappy marriages they WILL be expensive.

money_makes_me_very_happy

bluenoseam wrote: »

Firstly, incorrect, it's an invitation to purchase, until the money changes hands for services they can remove the product from sale, most places will honour the price on the ticket as a measure of good will, however they're under no obligation to do so.

But back to your point, it's a bit shoddy they're screwing you around like that, but to be honest i think there should have been alarm bells ringing when you see a quote for a 17 year old anything under £1750-2000. I'll assume ofcourse you've added all the named drivers but have they also thought of doing either a Pass Plus or an IAD (institute of advanced drivers) course, they will sometimes reduce premiums too.

17 year olds + car insurance never have & never will be a happy marriage and like all unhappy marriages they WILL be expensive.

i ran a few quotes for when i am 19 and 6 months (i'm 19 now and passed in june), and for most cars that i would be happy to drive (not vauxhall corsas for example), the quotes are minimum £2500. i could get the quote down to about £2000 but that would involve driving a vw fox or something awful like that.

as it happens there is not a cats chance of me giving £2500 to an insurer for insurance against an accident (something which only provides me cover over the value of £1000 - my excess). complete rip off and i ended up going on my parents policy for 5 months at the cost of £400. very expensive, but the only affordable way to be driving legally.

dcpc

I was getting some great sub £1,500 pound quotes for my 17yo son and his Urban Fox with me as a named driver until I was made aware that as soon as he passes his test the rate would go up to as much as £4,000 per annum.

Eventually we settled on the i-kube option mentioned here. Restricted hours 5am-11pm (£100 payment if you do fall out of hours) and 4,000m per annum mileage. Still £1,900 though. I hope he gets his weekend job.

iolanthe07

Eg if a shop misquotes a price then they have to honour the price on the ticket.

No they don't. The ticket price is, in legal terms, an 'invitation to treat' and does not have to be honoured at the point of sale. If the difference is not great, then many shops will honour it as a goodwill gesture, but they don't have to.

Zack1

Been looking at some, I-Kube won't actually insure me (well they quote ridiculous prices like 4k when others quote 1-1.5k) but their terms are interesting...

Can I add my girlfriend/boyfriend on the i-kube policy?
i-kube young drivers car insurance will allow named drivers on the policy. Drivers under 25 can be added as a named driver but they must be a spouse, common-law spouse or brother/sister. If the named driver is over 25 there are no restrictions in that sense however all named drivers must fit the i-kube criteria and be legally fit to drive.

So me adding random friends (or even my girlfriend) wouldn't work for them, others don't seem so tight though?