Help - car for 17 year old

note_2

well, you better hope your partner had a big wage rise because it aint gunna be cheap which ever way you do it!

i've done loads of leg work as i was considering getting a car last year (19 year old male) but the cost was prohibitive......

google group 1 insurance cars as these will give you the lowest insurance quotes. if you are both good drivers add you and your husband to the policy as named drivers, not one as a main driver as if you need to claim the insurance company will do whatever it can to avoid paying out.

i would guess that the ford focus would give you quotes of about £5000 for a 17 year old female. group 1 cars possibly about £3000 if your lucky.

spiro

Bebs wrote: »

Well, Ive done a few quotes and think we will keep the car (rather the devil you know) ! The cheapest I got was just over £2000 a year with me as the main driver and with a box fitted through the Co-op, I thought that was OK. Thanks for all the help.

If you did this online, do it again by change named driver from 'female' to 'male' as that is what will happen shortly and will impact your daughter when she passes her test and the premiums will always go up unless the £2000 quote was not as a learner but still check 'sex change' premiums.

fivetide

Glad Co-Op advice worked out. Saved a fortune for a pal when his wee lad started learning.

Good luck! Hope the wheels don't take too much of a bashing on the kerb.

5t.

note_2

Bebs wrote: »

Well, Ive done a few quotes and think we will keep the car (rather the devil you know) ! The cheapest I got was just over £2000 a year with me as the main driver and with a box fitted through the Co-op, I thought that was OK. Thanks for all the help.

:eek: so you have a box, and she's not even the main driver (have you checked she wil get a no claims bonus at the end), and you will have to jump through hoops to make any sort of claim due to your daughter being a named driver.

and there i was a year ago thinking was getting ripped off at £800 a year for being a named driver :eek:

atrixblue.-MFR-.

with a tracker it would also be easy for them to see who is driving the vehicle at certain times, you or your daughter because of the drive style pattern that the bax will provide them, if they get an incling your daughter is using the car most they will investigate and could possibly cancel the insurance due to you not being main driver if your daughter is using it solely for learning in and you dont touch it.

no policy that gives a NDD to named drivers is transfurable between companies. you must define NO CLAIMES BONUS to be separate from NAMED DRIVER DISCOUNT as a named driver discount is purely that for the named driver when come the time for their own vehicle to insure stays with the company their with as a named driver.

security is another big factor with insurers, they look at your area risk code, so sometimes a decent discount can given to those with a thatchem rated alarm fitted along side the manufacturers alarm system.

[Deleted User]

AlexisV wrote: »

You'd still be best using any car yourself, putting your daughter on as a named driver and having her drive it no more than 49% of the time.

Making sure she is declared as a "regular driver", rather than "occasional driver".

Wh05apk

By putting her as named driver, they wil base the premium on the highest risk, being her, but she wll not be builingup any no-claims in her name, also if she ad an accident it would affect your policy, so I would recommend the policy in er name with you a a named diver which will drastically reduce the premium.

We did this for my 17 t/o daughter last year, I effectively taught her o drive which saved a small fortune in lessons. We bought a 1.3 Yaris, insurance was approx £900 + about £50 when she passed her test, amazingly this year it is only about £450!! even including business use! If you use comparision sites, always get a quote direct with the insurer, by doing this, th premium was half that through the comparision site.

peter_the_piper

We did this for DD and she did build up a ncb which stood her in good stead for when she had her new car. £275 for a Pug107 at 21. Was worth the increase in overall premiums we had to pay.