Car insurance for a 17 year old

PaulJM

Hello all,

My son turns 17 in December, and we were looking at the costs associated with him being a driver on my wife's Polo.

It's a 1.2 - 2009, factory standard car. She's had no claims for 10 years, and we've both got no claims bonuses.

When I've checked on the comparison sites, it appears to be £750 on his own insurance on a provisional, and up to £1500 when he's passed (Obv because then he can drive on his own)
Adding him to ours as a named driver appears to be not much cheaper.

As he's considering getting a part time job to cover this, personally I think £1500 isn't worth his money. But how do young people get their foot on the insurance ladder? These quotes were with a couple of companies that use an in car logger.

Is there a better method of going about this, or companies that specialise in this kind of thing, away from the main comparison sites?

Quentin

You will find £1500 for a 17 year old is on the low end!

Whatever he decides, make sure the chosen insurer is prepared to cover him on the same policy after he passes (some who are prepared to cover learners won't continue to cover once the test is passed)

forgotmyname

Thats a bargain for a 17 year old who has just passed. We were getting quotes of around £3000 when i looked a while back.

Dont forget if they have an accident with your policy you may lose your no claims. Any no claims protection may not apply to younger or inexperienced drivers.
Higher excesses usually apply also.

PaulJM

forgotmyname wrote: »

Thats a bargain for a 17 year old who has just passed. We were getting quotes of around £3000 when i looked a while back.

Dont forget if they have an accident with your policy you may lose your no claims. Any no claims protection may not apply to younger or inexperienced drivers.
Higher excesses usually apply also.

Actually they seem to be a little cheaper if he goes it alone on the policy. God knows why.
compare the market (I haven't had a concerted look yet) has policies from 1600 onwards.

I wonder if anyone has a view on the best thing to do... wait fora couple of years, our whether this will be the same price until he's got a year or two under his belt.

Prothet_of_Doom

I paid £2k EXTRA to insure a 17 years old (who'd learnt to drive in the car) and a 20 year old (who had passed his test 3 years before) on a Mini Cooper.

I did get a quote (for a laugh mainly) for the 17 year old in her name and lets just say, it was over £5K and leave it at that.

mustbemad

Prothet_of_Doom wrote: »

I paid £2k EXTRA to insure a 17 years old (who'd learnt to drive in the car) and a 20 year old (who had passed his test 3 years before) on a Mini Cooper.

I did get a quote (for a laugh mainly) for the 17 year old in her name and lets just say, it was over £5K and leave it at that.

Look on the bright side, when my son passed his test aged 17 I was quoted £234 for myself or £6500 with him included :eek:

3 years of never driving a car later, he could get insured for under £1000 :mad: how is someone going to be safer after never setting foot in the driver seat for 3 years!

MBM

Aretnap

mustbemad wrote: »

Look on the bright side, when my son passed his test aged 17 I was quoted £234 for myself or £6500 with him included :eek:

3 years of never driving a car later, he could get insured for under £1000 :mad: how is someone going to be safer after never setting foot in the driver seat for 3 years!

Three years older and three years wiser. It's not just about driving experience. Teenagers have a tendency to take greater risks and do sillier things than adults - in a car or out of it. We tend to become more rusk averse as we get older which makes for safer driving, even without actually practicing it.

GRM

My 17yo takes his test next week. He's been driving our cars via Marmalade Insurance while he's been learning.

When he passes our insurance would go from ~£300 to ~£1600 for the group 15 car or from ~£350 to ~£3500 for the group 32. If we bought him a group 1 car or changed one to a group 1 it only comes down to ~£1450.

Guess who won't be driving for a few years.

PaulJM

Aretnap wrote: »

Three years older and three years wiser. It's not just about driving experience. Teenagers have a tendency to take greater risks and do sillier things than adults - in a car or out of it. We tend to become more rusk averse as we get older which makes for safer driving, even without actually practicing it.

Too true. I was a well brought up kid and when I think of the things I did. .. ouch. .

Well I'll keep looking and give him the prices. If he wants to pay 1700 from part time wages then Hey Ho.

Just goes to show though. . When you see those cars in the sixth form car park, that's either a very hard working kid or a very spoilt one!

arlybarly

Snatch the insurers hands off at that price !!!

PaulJM

arlybarly wrote: »

Snatch the insurers hands off at that price !!!

No ta! It maybe be relatively less money, but it's unrelatively still a bloody lot of money!