New driver - car insurance

Hutch100uk

I'm about to change my car and was shocked how much it would cost to add my son to car insurance (not long passed his test). I know it would be a lot, but its a LOT. I've tried adding other drivers, even changing the type of car, slightly older models etc and nothing is making much difference. Before I accept defeat and just pay it does anyone have any other tips? or insurance companies not on comparison sites. I'm only looking at 1.0 cars btw although I know its more to do with the on the road value of the car. I have a seriously ancient car that is just costing me too much to keep on the road now so need something newer and reliable.

Hoenir

What's a LOT ?  

Hutch100uk

Hoenir said:

What's a LOT ?  

Well I was previously paying about £350 per annum for myself, but this would jump up to about £2k per annum when adding my son on. To me, that's a LOT. But, if that is the only option I guess I don't have any options. Was just interested to hear if there were ways I could keep it as low as possible. I did add on another adult family member which weirdly brought it down a little bit.

DullGreyGuy

Hutch100uk said:

I'm about to change my car and was shocked how much it would cost to add my son to car insurance (not long passed his test). I know it would be a lot, but it's a LOT. I've tried adding other drivers, even changing the type of car, slightly older models etc and nothing is making much difference. Before I accept defeat and just pay it does anyone have any other tips? or insurance companies not on comparison sites. I'm only looking at 1.0 cars btw although I know it's more to do with the on the road value of the car. I have a seriously ancient car that is just costing me too much to keep on the road now so need something newer and reliable.

Just passed drivers are the most expensive as they have little experience and no longer have to have an experienced driver sitting next to them. 

How old is your son? 

Insurance pricing has nothing to do with the size of the engine and little to do with the on the road value either. It's all to do with what their experience is with people who own that type of car. Hot hatches are modest engines and low value but are vastly more expensive to insurer than a big engined luxury car because so many teenagers wrap them around a lamp post with 4 mates in the back getting injured. 

The rule of thumb is to buy something that no teenager would want to be seen dead in. When I was learning a friend who had a Volvo Estate was paying far less than us with a fiesta, 107, saxo etc. 

Hutch100uk

He is 17. Yes that all makes total sense about the type of car!! BUT, I was looking at Audi A1 cars but then I read that the VW Polo is one of the cheapest for new drivers but it was £100 cheaper! so hardly a huge difference. 

ButterCheese

£2k extra is not a bad deal these days, considering most young drivers are paying 1500 - 2500 anyway.  It might be better for your son to get a car and save up some no claims years.  The price does start to drop when you hit 25.

As above, it's all about the stats on how many of x model of car is claimed against.  My advice to any new driver is to find 5-10 cars that you can afford and have FSH, run a quote on each one and buy which ever one is cheapest to insure.

If he must go on your insurance though, there are very few "tips" to get the price down.  That boat has long sailed.  And remember that the named driver mustn't drive the car more than the main driver.

MikeJXE

My grandson passed his test last week 

Insured on Golf he owns, him only

£1,300 with black box full payment upfront Hastings I believe