Car insurance for older first time driver..any recommendations?

bluenoseam

the choice of car is not exactly reasonable for a new driver - while i appreciate the fact the car already exists, would it perhaps be wiser to sell it for a smaller vehicle (freelander is a group 10)? While i understand that with 4 kids + 2 adults (if you don't mind the assumption) including one with pre-existing medical needs it's going to be difficult to find a car to suit your needs, if it's just to get him to & from work then surely something smaller would suffice with you having a larger people carrier when you give back the motability car.

Bumpmakesfour

bluenoseam wrote: »

the choice of car is not exactly reasonable for a new driver - while i appreciate the fact the car already exists, would it perhaps be wiser to sell it for a smaller vehicle (freelander is a group 10)? While i understand that with 4 kids + 2 adults (if you don't mind the assumption) including one with pre-existing medical needs it's going to be difficult to find a car to suit your needs, if it's just to get him to & from work then surely something smaller would suffice with you having a larger people carrier when you give back the motability car.

Ok..I'm clueless about car groups...and honestly thought the freelander would be a reasonable choice:o We looked into selling it back when we first got the motability car but there was literally no interest and we stood to lose so much money we hung on to it.
But if a smaller car would bring the costs down then yes,of course that could be an option although it would pain me to sell it for peanuts after what we paid for it.
I'll have a look at insurance groups now..I'm assuming a group 10 is high then??Tx

Trebor16

Insurance groupings have changed now and there are 50 groups

http://www.abi.org.uk/Information/Consumers/General/Motor_Group_Rating.aspx

A 2003 Freelander is rated between groups 21 to 25 now, depending on spec and model.

If you want to see the difference in premiums between different models then go to the comparison sites and get quotes on different models of car.

Bumpmakesfour

On the thatchams my one is a 23..eeek :eek: Tx for the link.Sat here popping in corsa/focus etc and they're 3/4's..ok maybe selling it IS the best option Will play about with some quotes now.

fivetide

Bumpmakesfour wrote: »

Thankyou...would he qualify as young at 31?The restricted mileage is no problem,the late night restrictions would be though.Will have a look about and see what the scheme entails.Tx.

Good point. I was thinking 'inexperienced' rather than young but didn't communicate it very well!

Hope you get sorted.

5t.

glasgowdan

U agree that he's best with a small car for now. Also bear in mind that road tax can be as low as £15-20 for newer smallish cars instead of 200 or more.

He can always get another big car in a couple of years when he has lower premiums!

iyhr

I enquired when my son was learning to drive as I didn't want to add him to my Insurance and was told it would reduce his Insurance if I was a named driver on his? Haven't checked it out further, i.e. whether this would affect my insurance, but might be worth a try? Good luck!

mikey72

I'd keep the freelander in your name, and buy another small car for him to use for a few years. Insure the car in his name with him as main driver, and put you on as a named driver.
If you need him to ever drive the freelander you'll have to put him on your policy as a named driver.
If either of you have an accident though, you will have to declare it on both policies, it will only affect the one ncd though.

touch*my*food*feel*myfork

try you local NFU
my husband had a company car for a long time then no car at all for several years and only last year actually insured a car himself, they offer a first time bonus discount and his insurance was £350 on a ford focus 2001 model.

you need to put your postcode in
http://www.nfuonline.com/ - bottom left

to find you local branch and ring them, but should you need to claim you will be also dealing with your local branch and they only charge about 1% interest to pay monthly.

HTH