Young driver insurance

xx_troi_xx

I wonder if anyone can enlighten me or offer advice.  In January, I bought my son, 17 with a full licence, a cheap car and insured it with Ticker for Just over £1600.  A few months later Ticker contacted us saying they were cancelling the policy due to dangerous driving.  After doing some research we realised it was my husband driving at that time, not my son, however with no way of proving it we took their advice and cancelled our policy rather than have them cancel it and preventing a mark against my son however, I have just tried to re-insure him and the cheapest quote I am getting is now £3500.  I don't understand.  At this point, any help or advice might just save my marriage!!!

Phoenix72

To be honest £1500 sounds very cheap for a 17yo newly passed their test and what you are being quoted now more the norm (based on quotes for my 17yo)

Arunmor

I can't help you and we were lucky our daughter passed her test during Covid and heard too many similar stories to yours, so arranged a non black box policy which was ridiculously cheap (£277) which I checked 3 times but has risen every years since and is now about £700 with 3 years driving no points and no claims.

xx_troi_xx

Really?  His car is only a 2005 Kia Picanto.  If this is the case we may just have to see the car.

Phoenix72

Have you done all the usuals like add a parent as a named driver? 

xx_troi_xx

Yes that's the price with me added as a named driver.  Some companies have even refused to insure him.

Phoenix72

Cheapest quote I can get for a small 10 year old car is £4000 for our 17yo.

xx_troi_xx

That's just awful.  How are young people to get on the road with these prices?  

Hoenir

xx_troi_xx said:

  A few months later Ticker contacted us saying they were cancelling the policy due to dangerous driving.  After doing some research we realised it was my husband driving at that time, not my son, however with no way of proving it 

If no one was prosecuted for the offence.   How did Ticker become aware? 

Phoenix72

Hoenir said:

xx_troi_xx said:

  A few months later Ticker contacted us saying they were cancelling the policy due to dangerous driving.  After doing some research we realised it was my husband driving at that time, not my son, however with no way of proving it 

If no one was prosecuted for the offence.   How did Ticker become aware? 

I'm guessing the 'dangerous driving' would be speeding picked up from a black box?

Phoenix72

xx_troi_xx said:

That's just awful.  How are young people to get on the road with these prices?  

They, as a demographic, need to learn to drive sensibly. More claims in that age group = higher premiums.