Car insurance for leaners

Chrissiesmoney_2

Does anyone know of a good company that provide insurance to leaner drivers at a reasonable cost??? all the ones i have found are well over a grand i know that we are more of a liablilty but its took expensive for me to afford.

Thanks in advance
Chrissie

tom188

It would depend on your age and what you are trying to insure.

Quinn Direct, or a specialist such as Adrian Flux are said to be good for learners but realistically it is going to be very expensive. You must also bear in mind that once you pass the test and you can drive solo the cost of the insurance is likely to increase significantly - if you cant afford the insurance now, will you be able to afford the increase?

Labman_2

Chrissiesmoney wrote: »

Does anyone know of a good company that provide insurance to leaner drivers at a reasonable cost???...

Could you not try & put a bit of weight on and then try for another quote? (sorry couldn't resist!)

As tom says you face an even higher premium once you've passed your test. ~£1000 will get 40-50 lessons with a driving school which should be enough for most people to pass their test.

Chrissiesmoney_2

i have my test in 7 weeks but as i have just successfully reclaimed my bank charges and this i my one and only opportunity to buy a car without finance and get it insured so was just trying to find a decent insurance company thats all, but im finding it hard to find a company that will insure me as im only on a provisional licence

Any further help would be greatly appreciated

raskazz

tom188 wrote: »

You must also bear in mind that once you pass the test and you can drive solo the cost of the insurance is likely to increase significantly - if you cant afford the insurance now, will you be able to afford the increase?

Some insurers don't increase premiums once you pass - don't quote me on this but IIRC Fortis does not add any additional premium if you obtain your full licence mid-term.

To the original poster: What type of car are you looking to insure?

Chrissiesmoney_2

Hi razkazz,

I was originally looking at getting a corsa 1.4 but i have changed my mind and im now looking at getting a 1.6i astra (2000 reg) it seems that when i checked on parkers the insurance group was only a 4 on the astra and a 6 on the corsa , god knows why???

Chrissiesmoney_2

BUMP!!!!!!!!!! Anyone else????

Spikey_2

how about getting your name on as an additional driver with the main driver being someone with a full UK license?

Is that a cheaper option?

scoobysue_4

Spikey wrote: »

how about getting your name on as an additional driver with the main driver being someone with a full UK license?

Is that a cheaper option?

anyone? i too would like to know the answer to this question. thanks in advance.

**woody123**

Spikey wrote: »

how about getting your name on as an additional driver with the main driver being someone with a full UK license?

Is that a cheaper option?

There's no harm in trying but in my experience it doesn't make that much difference because the insurance companies have now caught onto the fact that younger persons get their parents to have the policy in their name for cheaper premiums.

In the long run don't forget you will be getting yourself no claims discount if you go in your name... even though you will be paying a bit dearer now.

P.S I think £1000 for someone on a provisional licence is the going rate, my sister who was 18 at the time paid £1200 in her mother's name for a 1.25 16v fiesta.

Sagaris

Spikey wrote: »

how about getting your name on as an additional driver with the main driver being someone with a full UK license?

Is that a cheaper option?

Better to do it the other way round - with a parent on your policy, this usually reduces the premium (about £200 cheaper when my daughter put my name on her policy a few months ago) and you then start to build your own no claims bonus.
I wouldn't go on your parent's policy - if you make a claim the insurance company will start making some enquiries and if they deem that you are the main driver, the policy will become null and void - with all the aggro that goes with it. It's known as 'fronting' - an acquaintance of mine did it (against advice) and eventually got done for no insurance when he had an accident - even though as far as he was concerned, he did, as he was the named driver on Dad's policy for his car.