What car to buy for teenager?

wannaberich41

Hi My daughter will turn 17 soon and was wondering if anyone can advise which car is best for teenager on insurance and tax pleasE? Is it best to start off with her own insurance or put her on mine and have her listed as a second driver.
Any helpful advise would be very much appreciated.

It wouldnt be a brand new car that id buy.

rxbren

get her own policy but add yourself as a named driver that can sometimes bring the premium down
as for car depends on your budget some manufacturers offer insurance discounts although at just turning 17 with no license that will be unlikely

[Deleted User]

wannaberich41 wrote: »

Is it best to start off with her own insurance or put her on mine and have her listed as a second driver.

Depends how much she will be using it, and for what purposes.

If she will be using it more than you, putting her as a second driver is fronting, which is insurance fraud.

Likewise, if she will be using it to travel to and from work/college, that is commuting, which needs to be declared, and will make them question whether she really is a "second driver".

kipperman

My two had Renault Clio's - 1.2 16v's are readily available, cheap to insure and seem reliable.

Definitely insure in own name and build up NCB. As previous poster pointed out, put you/wife on policy as named driver (assuming your risk record warrants it!)

forgotmyname

Buying a new car and adding a new driver will have them thinking its their car really and not yours.

Also if they have an accident you may find your no claims are not protected. So you could lose it.

I presume this as a learner car/insurance? Learner policies can be quite cheap. But some cancel the instant they pass their test. Or charge huge premiums after.

£2000 - £4000 seems to be the current figures for a 17 year old who has recently passed their test.

Insuring her car in your name and her being the main driver is fronting and its risky.

[Deleted User]

forgotmyname wrote: »

Insuring her car in your name and her being the main driver is fronting and its risky.

It's not merely "risky".

It's Insurance Fraud, which is illegal.

patman99

You need to think 'out of the box'. By using sites such as Autotrader, you can punch-in the real reg numbers of cars into insurance quotes to get a feel for what will be cheaper.
My son's friend paid less than £1k to insure a Rover 216 as these are considered 'old mens cars' and so are cheaper to insure.
On the other hand, my niece's partner bought a Clio 1.4 (against my advice) and pays £3k to insure it and he is 24 wheeas my sons friend was 18 when he insured his Rover.

Sometimes big old barges like Volvos and Saabs may be cheaper to insure than a Clio or Fiesta.

Also, don't forget that some insurers such as the Co-Op fit boxes to the car that will monitor the way it is driven and adjust the insurance premiums accordingly.

rev_henry

patman99 wrote: »

You need to think 'out of the box'. By using sites such as Autotrader, you can punch-in the real reg numbers of cars into insurance quotes to get a feel for what will be cheaper.
My son's friend paid less than £1k to insure a Rover 216 as these are considered 'old mens cars' and so are cheaper to insure.
On the other hand, my niece's partner bought a Clio 1.4 (against my advice) and pays £3k to insure it and he is 24 wheeas my sons friend was 18 when he insured his Rover.

Sometimes big old barges like Volvos and Saabs may be cheaper to insure than a Clio or Fiesta.

Also, don't forget that some insurers such as the Co-Op fit boxes to the car that will monitor the way it is driven and adjust the insurance premiums accordingly.

+1

My first car was a Hyundai Accent, great little car, bigger and faster than my mates cars at the time and cheaper to insure. I like weird cars. My current car is a Proton Impian 1.6. You'll never have heard of it but its cheap to insure for a 20 year old lad and is very comfortable.

POPPYOSCAR

Peugeot and mini were the cheapest for our son.

We put both ourselves down as drivers on his policy and also did a multicar policy with our own cars. This brought the cost right down for him. Negotiate the price. Do not accept the first quote they give you.

Also fully comp. was cheaper than third party for some strange reason.

Play around with the voluntary excess as well. Very often you can get a lower one for the same price.

foomanchu

There is a statistic, somewhere, that says those with 3rd party only insurance crash more, making fully comp cheaper in some cases.

mikey72

I've just done the exercise with mine,

Have a look at

https://forums.moneysavingexpert.com/discussion/4162443

The best way to do it is for her to buy the car.
Insure it in her name, with both parents as named drivers.
Park it on the road for the best price for insurance.
Fully comp, with £1000 excess.
Provisional insurance is a different price to after you pass, it increases greatly then.
We found the best was to insure with Collingwood learners, then switched to another insurer for the full licence.
The advantage of having her own car was I could take her out for practice, which decreased the number of lessons.