Car Insurance for a 17 year old

Sandtree

jimjames said:
On my policy it was £900 with him as main driver.

With many insurers that do allow you to declare a Main Driver it is their NCD that gets applied to the policy not the Policyholders, similarly the Main Driver earns the NCD not the policyholder. Hence there isnt a way to leverage the parent's NCD on the child's vehicle without fronting.

NCD rules are set by each insurer so there may well be some that take a different approach.

forgotmyname

Sandtree said:

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. 

I have mentioned before that I put in virtually every car from the Auotrader site in my price range and the Comparison site did block further quotes.
But I had done way more than the average person would do. Most would have given up long before. But I do like to test these systems to their max.
All this was done in a very short timeframe also. Input reg next.. next.. next.. click quote, Within a minute i was entering the next reg.

A quick call to them to explain its a first time driver and the price was more important than the vehicle removed the block and all quotes were
back to normal.  I was not messing with different factors other than the vehicle though. No change of address or different drivers etc etc.

Don't mess with those.

Ibrahim5

One of my daughter's friends was very competitive and passed her test a few days after her 17th and daddy bought her a new car. She was telling my daughter how bad it was that she was driving my car and she should have her own. A few months later she got a place at Oxford and decided she didn't want  a car there. So the car was sold. After Oxford it was off to London for a job. No car needed. Mine have not wanted a car at university. If you build up your no claims as a teenager you would lose it again if you had periods of time without a car.