Young driver's insurance.

catmc

I bought car insurance for my nephew he has a 3 year old Kia Rio he has a smartbox his insurance is 1180 just him on insurance Hastings Direct is the company . It does give good advice when they log in and you can check they are driving carefully not to fast etc which is a good thing .

duggan1

I'm hoping to pass my test soon at 37 and was messing about getting some quotes from comparison sites. I want an MX5, maybe not the standard first car but a guy can dream;) It was coming in at about £950 for a 1.6l, same as for a rover 25 or the usual kia picantos etc.

nobbysn*ts

The MG F worked out very cheap as well.

Aretnap

flea72 wrote: »

Waiting til his age increases wont bring premiums down by any noticeable amout

It will, though it may take a while. Having just had a play with GiCompare a newly qualified 17 year old student in my postcode driving a 6 year old Yaris would pay around £1400. Not much difference if he's 18, but the same driver aged 21 was getting quotes for around £800. Passing his test at 17 and chucking his licence into the back of the drawer for 4 years brings it down still further, as he now has 4 years "experience". So if he can manage to wait a two or three years before he gets a car, he'll probably find it significantly cheaper.

Whiner

duggan1 wrote: »

I'm hoping to pass my test soon at 37 and was messing about getting some quotes from comparison sites. I want an MX5, maybe not the standard first car but a guy can dream;) It was coming in at about £950 for a 1.6l, same as for a rover 25 or the usual kia picantos etc.

At 37 you don't want to be messing about with the crap cars than 17 and 18 year olds have to put up with, so going the MX5 route is much more acceptable.

atrixblue.-MFR-.

this sounds daft and i put this before but its mainly the car, age, and location.


When I got my first Car insurance, I run quotes on the usual KA fiesta saxo 106 astra corsa punto etc and all came in hefty prices.
then it started to drop with micra's, sirion's , matiz's, polo's (upto mk 4 anything beyond went higher in price).
Then it dropped drastically with Rover 75/MG ZT (excluding the v8 big block), Volvo S40, Jaguar x type, Alpha romeo 147.
Then I had inbetween quotes on performance cars, I could insure a twin turbo Toyota supra import for less than a 1.4 16v astra G but more than a volvo.
Escort RS turbo custom for less than a 106 zest but more than a rover 75 1.8 16v.


My suggestion is that don't look at normal run of the mill hatch backs their higher in premiums anyway due to the amount of claims made on the make and model in certain age groups, then his age and location plays a part in pushing up the premium.


I dont like the idea of smart boxes, you have to drive to certain peramiters set by the insurance company if you dont then it soon rockets the premium up in "penalties". they are attractive to start with £1180.00 then the charges rack up for driving outside of the set guidelines and soon your paying close or more to the normal policy quote.

Quiet_Spark

Buy him a classic car, my eldest (18) passed his test last week and paid £800 fully comp for a 2 litre convertible Triumph Herald Vitesse with no mileage or other restrictions imposed.

Aside from the free road tax, it is also very easy to maintain as there is sod all to go wrong.

nobbysn*ts

Quiet_Spark wrote: »

Buy him a classic car, my eldest (18) passed his test last week and paid £800 fully comp for a 2 litre convertible Triumph Herald Vitesse with no mileage or other restrictions imposed.

Aside from the free road tax, it is also very easy to maintain as there is sod all to go wrong.

Who's that with? Most classic car insurers won't insure under 21's nowadays.

Nodding_Donkey

What you have to remember is every chav and his dog have a 1.1 Corsa or equivalent. This means that as far as insurance companies are concerned they have a really bad claims record. Think outside the box and find a small car that no-one else has. Not many of these will have been crashed so the insurance premium will likely be more reasonable.

IamNotAllowedToUseMyName

Where you live may have a big effect, but we found that insuring young drivers on larger cars was surprisingly cheap. One of our friends has their young drivers in an old Mercedes 190 (precursor to the C class from about 1995 I think, perhaps older) and we insured ours very reasonably on a Golf 1.6 - a 105bhp car with a top speed of supposedly 120mph.

So take a look at the insurance on larger hatchbacks.