car insurance for a 17 year old!!!argh

ladydriva

hello, ive got a 5 year old for focus 1.8i .. just bought it... neways my daughter has jsut turned 17 and is having driving lessons but i wanted to give her some more experience and take her out in my car... my insurance (which i pay monthly and is due to end in May) have just quoted me £311 for 3 months!!!!!!!!

ne ideas if this is going to be the normal? i presume its so expensive cos of the cars big engine?

when she passes her test were goin to buy her a car ,,, wont be nething expensive.. a run around 1.1 ,, what should we be expecting to pay for it??

many thanks

Ebenezer_Scrooge_2

Sounds about right, trouble is young drivers account for 25% of all road accidents hence the high cost.
She would be best of insuring jointly with you for the first couple of years, assuming you are willing to take the risk.

brazilianwax

do a search on here - this question gets asked several times a week.

MarkyMarkD

I don't agree with you, Ebenezer. She will be better getting a VERY low insurance group car, and insuring it in her own name from the outset. Otherwise she won't get any no claims discount*.

* Unless the insurance policy in the parent's name is with Direct Line, but then the NCD is tied to Direct Line and not transferable elsewhere.

maniac886

I have the 1.6 Focus...It cost me over £1000 to insure fully comp..I am 21.

goldspanners

if your going to save a good few hundred £££££ then go on as named driver with her,or if she will be an occasional driver put her on as a named driver,i dont see the need for the rush to mount up your own no claims bonus,ive always had a company vehicle since i was 18,had my own cars on and off,always been a named never started to collect my no claims until this year,im 25 have an 1.6 ford focus with admiral, £344.not too bad for no "no claims bonus" and i have points on my liscence.

goldspanners

maniac886 wrote: »

I have the 1.6 Focus...It cost me over £1000 to insure fully comp..I am 21.

seriously? who are you insured with?

davedunn

Yup, at 17 insurance isn't the cheapest thing going!!

I just passed my test on 31st January and can afford a car no probs but the £2100+ insurance premium that goes with it is out of the question. I'm just gonna have to keep saving!

David

maniac886

goldspanners wrote: »

seriously? who are you insured with?

More Than.....


They were 100 quid cheaper than anyone else.... I searched for days on the internet and over the phone and £1070 was the cheapest I could find... bear in mind its the first year that I have had the insurance in my name so I had 0 no claims when I applied.

goldspanners

i was 21 or 22 when i got my focus,it was no where near £1000, i used elephant.co.uk untill this year where admiral beat the renewal.
im not saying you should lie to your insurance company but did you know the mileage part makes a huge differance to your quote?
this year the differance between 7000 and 10,000 miles was £300.
check you are entering the correct mileage.

maniac886

goldspanners wrote: »

i was 21 or 22 when i got my focus,it was no where near £1000, i used elephant.co.uk untill this year where admiral beat the renewal.
im not saying you should lie to your insurance company but did you know the mileage part makes a huge differance to your quote?
this year the differance between 7000 and 10,000 miles was £300.
check you are entering the correct mileage.

I probably overestimated my mileage by 2000 miles..just to be on the safe side, being my first year and all that. Will take that into consideration though when I renew. Cheers :money: