Best way to get a 17yr old new driver insured?

ferry

After some advice for my son please. Should he pass his practical straight away he'll want to get on the road.
We've had some quotes and they're coming in no less than 2k on most comparison sites.

Wondering if there was a known 'best way' method or tips to get him insured and on the road in the cheapest possible way?
Piggy back onto mine or the missus possibly or known insurers who will insure cheaply?

Thanks for any advice

IamNotAllowedToUseMyName

ferry wrote: »

After some advice for my son please. Should he pass his practical straight away he'll want to get on the road.
We've had some quotes and they're coming in no less than 2k on most comparison sites.

Wondering if there was a known 'best way' method or tips to get him insured and on the road in the cheapest possible way?
Piggy back onto mine or the missus possibly or known insurers who will insure cheaply?

Thanks for any advice

The main tip is to put him onto a policy with other named drivers - assuming this will be in his own car.

Also, when selecting cars, avoid young people honey traps like Corsas. You may find that a boring but more powerful car is less expensive to insure.

Do not declare someone as a main driver and then let him drive all the time, that is called "fronting" and gets you into a world of fraud and a very uncooperative insurance industry if it comes to light.

Ebe_Scrooge

I'll second the advice above - if he's the main driver you must declare him as such, but it's well worth adding Mum & Dad as named drivers.


Having recently been through the same thing with my son, I ended up going with Admiral. I know they sometimes get some stick on here, but they actually they gave me a very good price.


Depending on the value of the car, look at TPF&T as well as fully comp. I spent a long time doing various comparisons - fully comp was most expensive, third party only was next most expensive, TPF&T was the cheapest. That's not always the case though - oddly enough, fully comp can sometimes be cheaper. And some companies will give a cheaper premium if you let them fit one of those black-box tracker thingies.


Also, play around with the voluntary excess amount ( and be aware of any compulsory excess ). This can make quite a difference to the premiums, but obviously it'll cost you in the event of having to make a claim.


And actually, for a newly-qualified 17-year-old in an "ordinary" car, £2k is a not un-common ball-park figure. Obviously there are 1001 variables involved in insurance pricing, but unfortunately that figure in not at all unusual.

Warwick_Hunt

Look at a multi-car policy but it will involve some phone calls but then you’ll need to factor in any savings against him not earning his own no claims and the risk of damage to your history should he crash.

Play around with any quotes online to remove unneeded cover such as a courtesy car.

Find an old barge of a car young kids don’t crash, like a 240 Volvo.

RichardD1970

Warwick_Hunt wrote: »

Look at a multi-car policy but it will involve some phone calls but then you’ll need to factor in any savings against him not earning his own no claims and the risk of damage to your history should he crash.

My wife has just got her own car and taken out her own insurance for the first time (not as a young driver I hasten to add ) after being a named driver on mine for many years.

I am with Direct Line and they have linked our polices, with me as a named driver on hers, so she gets some discount for the years of being a named driver on mine but will earn her own NC bonus and holds the policy in her own right. Saved around £200.

Another thing with them is that they state that whoever is the policy holder is named as the main driver regardless of who actually drives the car more.

Oh and class 1 business use as standard.

Probably not much help for the OP but a couple of interesting points .

Shaka_Zulu

OP how much would your premium be if you didn't have full NCD? That puts it all a little more in perspective.

Warwick_Hunt

Shaka_Zulu wrote: »

OP how much would your premium be if you didn't have full NCD? That puts it all a little more in perspective.

It doesn't as I recently took out another policy without any no claims. Having shopped about it was actually cheaper than quotes I'd had will nine years plus.

What he needs to do is look at how much it would be without x years of experience and accident free driving.

System

IanMSpencer wrote: »

Also, when selecting cars, avoid young people honey traps like Corsas. You may find that a boring but more powerful car is less expensive to insure.

This. My 19 year old son was paying £1200 to insure a 1.2L Ford Fiesta which he blew up. It only cost him £750 to insure its replacement, a 2 litre Mondeo Estate which he decided was better due to impending family but thought he'd never be able to insure.

JustAnotherSaver

Have a play on insurance websites. We found putting my wife down on peoples policies brought the premium down dramatically, i think due to her job because she didn't have a lot of driving experience at the time.

Also here's something for you ...

My brother insured a 1.9 diesel Pug 306 and a MK4 VW Golf GT TDI 130.
I'm not even sure if the 306 was a turbo diesel or whether it was just a straight diesel. I remember it being 0-60 in something like 17...years.

Anyway, guess which one cost a lot more on the insurance (same policy - he called his insurance to quote for one car on it and then the other), you'd be surprised. We was.

trailingspouse

Yes of course he wants to be able to drive as soon as he's passed his test. So what?

What are his plans for paying for his insurance? And buying a car? Or even paying for lessons?

Simplest solution would be for him to put off all of this until he can actually take on the responsibility for himself. After all, learning to drive is all about responsibility. And at 17 many people just don't have it - hence the high cost of premiums for the poor cherubs.

With each year that passes, premiums for inexperienced drivers go down. Maybe he'll just have to be patient.