Car insurance for 17 year old

daisyboyd24

I wondered if anyone can recommend a car insurance company for my step-daughter who is 17 and just passed her driving test.

She is getting a 02 Corsa worth around £1,700.00 however the cheapest car insurance she has found is around £1,800!

I wondered if anyone has any suggestions where we could try to try and get the quote down.

Many thanks in advance,
daisy

Buellguy

Hate to say it, but that sounds about right, there are a few more threads on here about cheaper car insurance for young people. Have a quick search

forgotmyname

Same answer as the 100+ other posts asking for insurance for a 17 year old.

There is no 1 cheapest company. Whats cheap for you wont be cheap for the next 17 year old.

Car / Postcode plays a big part in the quote.
I did a quote on 2 seemingly identical cars. Ford KA's Both 2004 both LX
models, Same engine etc etc... But one was dearer to insure. No idea why.

Do all the comparison sites, Do all the companies in the yellow pages. Get a car mag and try the companies in that also. Club website for that car model or make.

If you goto a broker make sure they are regulated and not a website run from russia or latvia that will vanish when she finds out she is not really insured.

£1800 is a bargain... snap it up, Soon its going to be £3000 to match 17 year old male drivers.

Corsa's are a popular car for 1st time drivers so have a high claim rate.

verityboo

Has the corsa been purchased yet? It is type of car typically purchased by 17 year old as first cars so statistically a bad risk for an insurer. The insurer is mainly interested in statistically how much damage they are likely to do to other peoples property, the value of the car comes second

If you have not bought the car yet then look at other cars which are not typically bought as first cars by 17 year olds, even with bigger engines they could be cheaper to insure

spiro

Two other things to add:
1) Add a couple of adults as named drivers - this sometimes reduces the premium, and
2) As from 21st December girls under 22 could see there insurance premiums rise by up to £2000 because of the new EU rules which ban the use of gender when setting premiums.

Tilt

daisyboyd24 wrote: »

I wondered if anyone can recommend a car insurance company for my step-daughter who is 17 and just passed her driving test.

She is getting a 02 Corsa worth around £1,700.00 however the cheapest car insurance she has found is around £1,800!

I wondered if anyone has any suggestions where we could try to try and get the quote down.

Many thanks in advance,
daisy

At £1,800 I would snatch their hands off! My son (18) has just insured his 1000cc Uno (worth about £500) and his lowest quote was £2,200! Mind you, that is fully comp.

Tilt

verityboo wrote: »

Has the corsa been purchased yet? It is type of car typically purchased by 17 year old as first cars so statistically a bad risk for an insurer. The insurer is mainly interested in statistically how much damage they are likely to do to other peoples property, the value of the car comes second

If you have not bought the car yet then look at other cars which are not typically bought as first cars by 17 year olds, even with bigger engines they could be cheaper to insure

What? Are you saying a Corsa will do more damage that a similar sized car? Where do you get that from? Never heard of that before!

I think you will find it depends on the engine CC, the amount it costs to repair said vehicle and where you live. All cars are grouped into about 21 different groups so for example, if a Corsa is in the same group as a Punto, the premiums should be about the same. I don't think insurers discriminate against a particular model.

jb66

Try adrian flux brokers, cheapest for me when i was young and my younger brother

Tilt

sam959 wrote: »

What they are trying to say is that certain cars have a bad rap! As in boy racers drive corsa's, citroen saxo, peugeot 206 etc. Unfortunately its the way they are if you buy a car that is not driven typically by boys then it will change. Its also about desirability for car thieves and whats the most preferred car to steal. CC has nothing to do with it its about the amount of power a car kicks out as well.

Well I beg to differ. When I tried to get a quote for my son to drive my 1747cc Punto HGT, my insurance premium would of been around £7k! They didn't ask about how much 'power it kicks out', just what the CC was and if it had any modifications outside the manufacturer's spec.

banner188

Insurance heavily depends on the insurers recent claims it has had to deal with. An insurer that just had many claims by younger drivers in the past year, will be much higher than one that hasn't. This is why the car doesn't make much difference.

An example is this, I have a group 4 car, cheap insurance. Asked for a quote for a different car that is group 4 and the quote doubled. Got quotes elsewhere though for about the same as my current car. I asked the original insurer what the story is and they said, we have had many accidents with that car over the past year, simple as that, another year and it would probably be the same quote, its just luck.


So the answer is try different cars (stick with group 1-5 maybe?) with different insurers until you find the cheapest combination for the current point in time for your step-daughter.

daisyboyd24

Hi,
Thanks for your replies. She has purchased the Corsa. Picking it up at the weekend so very excited.

Thanks for the tips of adding adult drivers. I will look at this tonight and hopefully save her a bit of money.

Thanks,
daisy