First car for daughter

milliemonster

I've moved away from the comparison sites and had a look at ingenie, has anyone else used them? they are coming up with quotes of £1000 for ford Ka/Toyota Yaris and £1100 for fiesta/clio, these seem too good to be true, am I missing something?

Rain_Shadow

warehouse wrote: »

Milliemonster, despite some claims on this thread I don't know of a single person who's son or daughter wasn't paying in the £1600+ for year 1 of insurance, and everyone I know has been through it in the last few years. If you can get it under £1600 then you're doing really well, for any car.

Well you know one now.

I am not lying. Why would I? Would you like me to pm you the insurance quotes?

Calming down from being called a liar, I can only suspect that location may be a factor. We live in rural Hampshire. I am sure that has a positive influence on insurance premiums.

EdGasket

And a second. None of my three children paid more than £600 for insurance but they were at least 20 before getting their own cover before that they used my car as named drivers.

walwyn1978

Another vote here for avoiding the obvious smaller engine small car stuff teens drive/thrash/crash and going for something more left field with a cheaper insuravce due to their perceived target market.

A bloke at work with teenage daughters has just done this and bought an 6 yr old Chevrolet Spark for his daughter because they're seen as seriously uncool cars so are bought supposedly by older people, he claims. I'll check what insurance he went with but he said it was cheaper than a standard Corsa/Aygo/Mini etc


Edit: I've just had a quick look around the web and can't find a Spark at £500 which you mentioned in the OP. Withdraw that, but the point about not just going with the obvious is worth making I feel

bartelbe

Get an old farts car, something a young person would never be seen dead in. My large 2 litre car costs less to insure than a friends 1 litre Yaris. Small cars are driven by young drivers and cashed, therefore they cost more to insure.

Herzlos

Does anyone know how van insurance compares for younger drivers? Might be a lot cheaper to get her something like a Corsa van or Vauhxaull combo. They are only 2 seats, so less passengers, but loads of space and less likely be grouped with hedgehunters.

Only downside is I'm not sure if you can transfer van NCB to a car policy later.

foxy-stoat

Stick to standard under 1000cc, Yaris/Micra or similar, no sports, SR etc models - you will not get a cheaper insurance premium by driving a 2.0+ Volvo GLT or Top Gear "uncool" cars.

Vans will probably be dearer to insure on a private car policy as less insurers cover them.

Build up No Claims Bonus and careful driving are the only real ways to reduce car insurance.

Good lucks.

Ant555

warehouse wrote: »

Milliemonster, despite some claims on this thread I don't know of a single person who's son or daughter wasn't paying in the £1600+ for year 1 of insurance, and everyone I know has been through it in the last few years. If you can get it under £1600 then you're doing really well, for any car.

£900 for a 62 plate 1.2 Picanto for 18 year old that had license for 2 months with me as named driver.

When learning we opted for 'learner insurance' through Marmalade.com- its insurance in the learners name and not linked to your own car insurance so won;t affect your no claims if there is a bump. We paid for 3 months at a time. I think it was around £200 for 3 months.

When we were eventually looking for car options I used the confused.com app on my phone. I might have described this in a previous post but for me it worked a treat when trying to decide what car was 'cheapest'. Essentially you create a log on on confused.com web site and get the first comparison quote for any car on the web.
Once completed if you log on to the app using the same email;/pasword combination then it remembers ALL of the driver details you entered and all you need to do is change tap in the registration number - 30 seconds later it shows you the best quotes.
I know this is not an exact science and some companies are not on comparison sites but you have got to start somewhere.
I had auto trader on the lap top, searching for cars and tapping the registration numbers into the confused.com app on my phone. You get a good feel for what cars might be cheaper to insure and then you can eventually refine your searches. I then used it walking round car supermarkets and doing on the fly insurance quotes when walking up and down the aisles.

Hope this helps.