Car Insurance for a 17 year old

cookie666

My daughter has just passed her test and she's only got a 1.1 Fiesta but insurance is around the £1700 mark (reduced by adding a parent as a named driver) I've gone through all the comparison sites but are there any specialist companies or companies that keep off the aggregators that people recommend?

forgotmyname

Wrong car probably.  A fiesta was nowhere near being the cheapest first car on any quotes I have done for younger drivers.

How old is the car? Too old and the insurance can actually increase.  One example was spend £500 on a slightly newer car
which saved £800 on the premium.

Sandtree

The specialist companies are the blackbox options but they appear on the aggregators anyway. The non-aggregator companies are the same as for any other driver. 

Just passed drivers pay the highest premiums, given they've a young drivers car £1,700 isnt a bad price. You can obviously also see if changing the excess will help but remember that on top of whatever excess you choose they will pay a young driver excess on top. Its not cost effective to set the excess to a value you cannot afford to pay (plus very high excesses tend to get more expensive again because routine insurers only go so high)

jimjames

Sometimes the cheapest insurance isn't the car you'd expect. My son bought a 3.2 V6 at 18 and insurance for him was only a little more than your quote. At 19 with 0 NCB it's only £750 with no black box.

Ultimately insurance for 17 year olds isn't cheap. Other option is to use your policy with her as named main driver

tacpot12

I've been looking for a 22 yo new driver and am finding quotes as low as £1300 with a black box on Toyota Yaris/Skoda Fabia/Fiat Panda. £1700 strikes me as not being a bad price for a 17 yo. 

forgotmyname

Try a quote on a Fiat 500 or Ford KA, try cars between 12 years old and down to 5 years old and see where the breakpoint
is for the age/price of the car.

Cars too old then premiums can start to increase again.

Sandtree

forgotmyname said:

Try a quote on a Fiat 500 or Ford KA, try cars between 12 years old and down to 5 years old and see where the breakpoint
is for the age/price of the car.

Cars too old then premiums can start to increase again.

You are then getting into the risk of flagging counterfraud/rate raiding scripts which will see some stop quoting and others escalating premiums. You then mistake the increased price to think a Ka is more expensive than a 500 when in reality an SL500 may well be cheaper than both were it the first and only quote you got.

Any car a young driver is likely to drive is going to be more expensive than a car a young driver wouldn't be seen dead in. A "family saloon" is likely to be cheaper than any Fiat 500 etc. 

Ant555

As you have already purchased the car, there is not much room for manoeuvre but I definitely did find the comparison site pricing differed quite a lot from day to day when looking for my 17 year old son.  It definitely had to be a black box which suited me fine but I did regular comparisons on all the sites over 10 days and recorded the 'quote number' of any decent looking ones - I then contacted the insurance Co directly and bought a policy at a previously quoted price that was showing far higher on the actual day I bought it  (does that make sense?).

What mileage are you putting in - may be a few £s to be saved if you can predict low miles - is it going to be used daily for college or sat on the drive most of the time?  We put 5000 miles in the first year but it did just over 3000.

What about adding a dashcam - some insurance Cos offer a discount if a dashcam is fitted.  If you have someone that can hard wire it in then that may be better as your daughter may be tempted to unplug it and charge phone etc.

It may not be an option for all but I also took out a 0% credit card specifically for this and we paid it off over 12 months so effectively monthly pricing with no interest.

PS - who currently 'owns' the car?  Does it need to be insured immediately.

Flight3287462

My daughter 17 passed her test in May; Fabia 1.2 Monte Carlo Estate and this is what we pay (Privilege)  £477 with no black box. Both parents as named drivers.

I bit their hand off, after tripled checking the quote.

Went via the meerkats.

BOWFER

Our daughter passed in December.
For a Seat Mii we were £860 without a black box or £720 with.
We went without.
I can't recall who she's with right now, dammit.

Sandtree

Hunyani_Flight_825 said:

My daughter 17 passed her test in May; Fabia 1.2 Monte Carlo Estate and this is what we pay (Privilege)  £477 with no black box. Both parents as named drivers.

I bit their hand off, after tripled checking the quote.

Went via the meerkats.

Any reason for going with Priv over Churchill given the later was cheaper and had LE cover included? They are two brands of the same insurer after all.