Car Insurance for a 17y/o male

Gemmzie

Having an absolute nightmare trying to get car insurance for my brother, have tried all the brokers, websites mentioned and just cannot get a price under £1k.

The problem we are having is that my mum drives another different car and my dad drives a van so neither driver can use their NCD (6 for mum, max for dad, both driving since '79).
So I think that means they can't hold a second insurance, so he has so go as the main driver - hence the cost.

It's a Fiesta 1.2 we are trying to get him insured on (mum's current car) but I'm starting to wonder if we'd be better off buying something else.

Any ideas?

me_eevie

Quinn Direct seem to be one of the cheapest for young drivers, hope this helps.

If you do a search of the forums for "young driver" I am sure you will find more info - this question crops up quite often. If you get a quote under £1k then you're doing very well (I know from personal experience when searching for my 17 year old son. It seems females of the same age get a much better deal - but he refused a sex change lol)

oldwiring

REpORTED this

jane_game wrote: »

This is a rank websit.
There are many informations .
Wish help you in some way
http://www.bilbuyers.com/buy.php?cid=9&Insurance&BuyInsurance

MarkyMarkD

Gemmzie wrote: »

Having an absolute nightmare trying to get car insurance for my brother, have tried all the brokers, websites mentioned and just cannot get a price under £1k.

The problem we are having is that my mum drives another different car and my dad drives a van so neither driver can use their NCD (6 for mum, max for dad, both driving since '79).
So I think that means they can't hold a second insurance, so he has so go as the main driver - hence the cost.

The reason he has to go as the main driver is BECAUSE he's the main driver, not because of anything about other people's NCDs.

The car COULD be insured in the name of the father or mother, as long as your brother was named as the main driver. But there'd be no point doing this, as your brother wouldn't earn the NCD.

You also can't insure someone else's car, unless they are your spouse, so the car would have to belong to your father or mother and not your brother.

If your brother was actually paying for its running costs, the insurers would treat this very adversely in the event of a claim unless he had been truthfully declared as main driver.


Getting a different car from a 1.2 Fiesta isn't going to make a lot of different either - that's already not an expensive car to insure (relatively speaking).

Russ66

Have you put your mum or dad down as named drivers on his policy?

My 17yr old son has a W reg 1.9 Golf (diesel), and it was cheaper if he put me on this policy as a named driver even though I'll never use it, still nearly £800 though.:eek:

He only had TPFT insurance, he went with Prudential so got £100 quidco @ the time.:beer:

HTH

lisyloo

The car COULD be insured in the name of the father or mother, as long as your brother was named as the main driver. But there'd be no point doing this, as your brother wouldn't earn the NCD.

You also can't insure someone else's car, unless they are your spouse, so the car would have to belong to your father or mother and not your brother.

My nephew has his insurance in his mothers name with direct line with him as a named driver.
Direct line offer names drivers their own no claims which you CAN transfer to places like Quinn direct, so it's not entirely true to say you can't earn NCD (although you might not be able to transfer it everywhere).
The car is in his mothers name.

hockeymum_2

Russ66 wrote: »

Have you put your mum or dad down as named drivers on his policy?

My 17yr old son has a W reg 1.9 Golf (diesel), and it was cheaper if he put me on this policy as a named driver even though I'll never use it, still nearly £800 though.:eek:

He only had TPFT insurance, he went with Prudential so got £100 quidco @ the time.:beer:

HTH

I have just ried the Pru putting Golf 1.9 with my 17 yr old details and me as named driver no conviction no accidents and it came up as £4300 plus. How did you get £800 ???

C

James240

Gemmzie :hello:

Has ur brother thought about changing the car for a smaller engine? i know a 1.2 is small anyway but has he thought about gettin a 1.0 litre engine?

As it may help a fair bit

MarkyMarkD

lisyloo wrote: »

My nephew has his insurance in his mothers name with direct line with him as a named driver.
Direct line offer names drivers their own no claims which you CAN transfer to places like Quinn direct, so it's not entirely true to say you can't earn NCD (although you might not be able to transfer it everywhere).
The car is in his mothers name.

I ignored the strange Direct Line NCD thing because you cannot generally transfer it anywhere else and therefore it's a bit of a marketing gimmick. I didn't know that Quinn Direct accept it.

Please tell me that you aren't saying that your nephew has his own car, registered and insured in his mother's name, with him as a named (but not the main) driver?

That would be totally dishonest and there's zero chance of his insurer paying out when he crashes it.

Obviously if you meant something different than that, there isn't (necessarily) a problem.

An extremely relevant article on the FOS's website this month:

63/09
motor insurance policy – daughter was ‘named driver’ on parents’ car
Mr J and his wife bought a second family car soon after their daughter passed her driving test. He arranged the car insurance over the phone and – as is standard practice for many insurers – the call was recorded.
When asked if he was the ‘owner and keeper’ of the vehicle, Mr J said that he was. He also confirmed that he was the principal driver of the car. The insurer then pointed out that Mr J was the principal driver of another vehicle it insured. Mr J said he had been mistaken and that it was his wife who would be the principal driver of the new car. He asked to add his daughter to the policy as a ‘named driver’.
While driving the new car a couple of months later, Mr J’s daughter had a minor road traffic accident, which meant that the car needed some small repairs. Mr J submitted a claim to his insurer but it was rejected because the insurer believed this was an instance of ‘fronting’. In other words, it thought the car had been insured in the name of an experienced driver – Mr J's wife – because it would be too expensive to insure in the name of the real principal driver – his daughter.
The insurer reached this conclusion after Miss J had given the insurer a statement in which she said, 'It’s insured in mum’s name I think. Dad did it because it was too expensive to have me named as the main driver…'
Mr J did not dispute that his daughter had made this statement. The insurer therefore ‘avoided’ the policy (treated it as if it had never existed) and declined to deal with the claim. Mr J then referred the matter to us.
complaint not upheld
We considered this to be a prime example of 'fronting'. Mr J had misrepresented the risk when he took out the policy – as his daughter later confirmed.
As the information on which the insurer had agreed to provide the policy was incorrect, the insurer was entitled to 'avoid' the policy from the beginning – and to decline to pay any benefit that would otherwise have been due under the policy.

daveyjp

I also advise doing Pass Plus if he is within the time limit since passing his test. The £120 or so cost could be covered by cheaper insurance. Get some quotes saying he has Pass plus and see if it makes a difference.

custardy

as said get the pass plus done
also small factors such as limiting the mileage can help
1.2 is quite a large engine for a 17 year old new driver(for insurance purposes) so you may want ot consider a vehicle change.
try some test quotes 1st to see if its worth the costs/hassle of a different car.