First Car - Cheaper Insurance 19 December 2022 at 10:15PM in Motoring 19 replies 562 views

scaredofdebt

Hi,

I am helping DD get her first car, she is 20, passed her test a few months ago, I cannot get insurance under around the £1,600 mark.

That's for a Hyundai i20.

So, any tips as to what cars are cheap to insure, is 3 door less or more than 5 or does it not make any difference?

I've tried a few options, Ford Fiesta, over £2k, Mini is about £1,800, Hyundai i20 seems the cheapest I can find currently.

Thanks for any advice.

She is a student teacher living away and I suspect the postcode doesn't help!

Cheers,

David

400ixl

The Hyunday i20 is one of the cheaper to insure and is a very good first car. Number of doors on that probably won't make a difference, but usually a 5 door is cheaper than a 3 door if there is a difference.

Have you done the usual like adding experienced drivers as named drivers? Sometimes black box policies are cheaper, but not always.

Mileage is another consideration, too low can be as bad as too high, so consider that as well. The only other parameter you can really look at is the job title. Is there a student teacher vs trainee teacher for example. You need to keep it real, but sometimes there is an alternative which is relevant and cheaper.

scaredofdebt

Thanks.

Yes I have put her as a student teacher.  I have put the lowest miles I can, but we have estimated this based on current usage if she had a car, comes to around 6k miles, I will try a bit higher as I expect she may end up doing more miles as she is likely to be giving friends lifts!

I could put myself on her insurance but isn't that classed as "fronting"?

The Citroen C1 has come out marginally cheaper, I will keep looking.

Thanks,

TooManyPoints

I could put myself on her insurance but isn't that classed as "fronting"?

No. Fronting would be if you took out a policy purporting to be the main driver (when you are not) and had her as a named driver on your policy (when she is the main driver). With her as the policyholder and you as a named driver, it wouldn't matter if you never drove the car at all.

scaredofdebt

OK great, got a quote under a grand now!

Thanks.

MikeJXE

Have you tried insurance companies that are not on the usual list from the like of money supermarket and similar 

scaredofdebt

MikeJXE said:

Have you tried insurance companies that are not on the usual list from the like of money supermarket and similar 

Yes, Direct Line wouldn't even quote!

Are there others?

Grey_Critic

Insurance Brokers?

jimjames

Might also be worth trying uncommon cars unless you've already got the car. Sometimes an unlikely first car can be cheaper to insure possibly due to more limited data. 3.2 V6 was cheaper than a Corsa for my son.

MikeJXE

scaredofdebt said:

MikeJXE said:

Have you tried insurance companies that are not on the usual list from the like of money supermarket and similar 

Yes, Direct Line wouldn't even quote!

Are there others?

Yes many. Aviva, MFU Mutual, Admiral, Zurich and I believe LV. You could also try brokers, they can sometimes get a good deal

baser999

Honestly I can’t see you getting a price for much under the prices you’ve been quoted - she’s a new driver, only 20. Sadly a harsh reality of driving these days I’m afraid