Car Insurance - 17-year-olds able to pay monthly?

greyster

it should do if you look at insurers that ask if you have the certification at time of quote. Mine dropped 30%.

hullight

Even £150 a month is a lot, especially as it doesn't include the cost of the car or the fuel costs.

I wouldn't spend thousands more than what pay for my scooter at the moment just to stay warm and dry for half an hour a day.

dan2k7

I know, but £150 is affordable to me so it isn't really an issue. I just need a way that allows me to pay monthly!

dan2k7

With regards to the issue of 'fronting', does it still apply when you're actually put down as main driver of the car, but the policy and car are both in your parents' name? Surely they couldn't accuse of fronting if you're stated as the main driver? It'd just be risky with regards to affecting the policyholder's no claims, right?

nickmack

dan2k7 wrote: »

With regards to the issue of 'fronting', does it still apply when you're actually put down as main driver of the car, but the policy and car are both in your parents' name? Surely they couldn't accuse of fronting if you're stated as the main driver? It'd just be risky with regards to affecting the policyholder's no claims, right?

Generally, the Main Driver and Policyholder are the same person.

If this question is related to your OP, it seems you are trying to take out a policy yourself, but are having problems paying monthly because you are <18. Depending on the insurer, you may be able to get a parent to take out the policy and have you as the main driver.

If your parents own the policy and the vehicle, and you use the vehicle on an occassional basis, in most circumstances, you should be added as a named driver.

However, if you are the main user of the vehicle and you attempt to manipulate the premium by being declared as only a named driver, then this could be considered fronting.

darich

dan2k7 wrote: »

With regards to the issue of 'fronting', does it still apply when you're actually put down as main driver of the car, but the policy and car are both in your parents' name? Surely they couldn't accuse of fronting if you're stated as the main driver? It'd just be risky with regards to affecting the policyholder's no claims, right?

I would have thought this is ok. As long as you're clear that you are the main driver. If however your parents are down as the main drivers and you're the one using the car daily then that's when you're "fronting".

Also worth pointing out that if your parents are down as the policy holders but you're the main driver then you may be able to get round the paying in one lump sum because the policy isn't yours. It also means that next year you'll be facing the same problem - huge premium with possibly no NCD. Not all companies will acknowledge NCD unless you're the policy holder so it's worth considering taking the hit just now so next your you'll have 30% reduction.

jaxxy00

Going by my daughters experience, you should do the pass plus as in your first year of insurance you get 30-35% off your first years premium or in other words the equivalent of having 1 years no claims. In your case that would be worth about £600 off your premium. My daughters premium was about £1000 to start with and so she got £300ish off that figure.

I was about to say that she was also allowed to pay her premiums monthly while she was 17 but actually she passed her test at 17 and then about 6 weeks later had a car but she was then 18.