Cheapest Car Insurance for 17 year old girl

RandyRos

My daughter padded her test today, but getting herself insurance is proving to be a challenge. They either will do it for £1500 up front or the cheapest monthly one we've found is just under £1900.

Can anyone recommend a good insurer that might be cheaper please? TIA

EdGasketTheSecond

Try Elephant and add a parent as an additional driver; it makes it cheaper although logically it shouldn't as there is an extra driver to insure.

Nasqueron

Use the comparison sites, look at black boxes or specialist young car driver insurance. No-one knows her circumstances or what car she drives or the area you live in and so on, sometimes you have to do a bit of digging yourself.


https://www.moneysavingexpert.com/car-insurance/

RandyRos

Thanks, I'll try Elephant now. I've tried several comparison sites, and some young driver ones. Some come up with the message "we are unable to give you a quote" but won't say why. Though they want us to phone them.

RandyRos

ok Elephant came up with £1850 for a 10 month policy ? money up front.

forgotmyname

Wrong car choice???

With the right car you should get it down to around £1200. And no there is no right car, it depends on where you live and how many claims they get for that car and that insurer.

Last time i looked a Fiat 500 was the cheapest to insure for this area anyway. If the cars over 5 years old that could increase the premium.

I did so many quotes the comparison site actually banned us. I had to phone them to get us unbanned, explained its insurance for a young driver and i was putting in every single car on teh autotrader website.

Some suprises, 1800cc MX5 came out fairly cheap, cheaper than a 1200cc Corsa.
But the Freelander which she wanted was £8000.

agrinnall

RandyRos wrote: »

ok Elephant came up with £1850 for a 10 month policy ? money up front.

Does that 10 month policy give a full year's NCD? If not then I'd look elsewhere.



Also you might be able to get a reduction by buying through one of the cashback sites such as Quidco or Topcashback.

RandyRos

Too late for the car choice. she bought a £600 Nissan Micra 1999 plate. One of the insurers (1st Driver) just phoned me with a 2k+ quote, but i added myself and got it down to 1600. I think it may be a case of doing it the old fashioned way, offline by phone.

Elephant said something about fast track, so maybe you'd get a 1yr NCB for 10 months, I can't remember. Yes I have Quidco and always use them when possible.

Thanks for all the suggestions

forgotmyname

agrinnall wrote: »

Does that 10 month policy give a full year's NCD? If not then I'd look elsewhere.



Also you might be able to get a reduction by buying through one of the cashback sites such as Quidco or Topcashback.

We used Diamond for the first year with a 10 month policy. When the renewal comes through is clearly shows the years no claims was on a 10 month policy. Some insurers may not like that.

Also there maybe issues getting a quote with 1 years no claims having only passed the test 10 months ago.

forgotmyname

Never too late, sell the car and use the money you can save on the insurance on a different car.

tacpot12

Insurance cost is very dependent on engine size, and age of the car. All the small Japanese cars cost more to insure than European cars. Fiat Pandas are very cheap. Skoda Fabias are also quite cheap if they have the 54hp engine.