car insurance for a 17 year old!!!argh

Inactive

goldspanners wrote: »

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.

Bad suggestion by implication, Insurance Companies have access to MOT's, which show up annual mileage, as well as checking mileage if an accident should occur.

As well as giving false info to an insurance company can render your cover invalid.

scbk

Just get a cheap car and TPO

Try quotes for bigger cars aswell. Insurance companies will get loads of claims from young people in fiestas corsas clios etc but not many for old banger estates. When I was learning to drive I got added to my dad's policy on a K reg pug 405 estate and even though it's a 2l TD it only cost about £100 for the 3 months


Also my first year's van insurance (a month after passing test) was less than half of quotes for insuring a little 1l saxo/corsa etc

anewman

scbk wrote: »

Just get a cheap car and TPO

For me TPFT came out cheaper than TPO, so it is worth checking TPFT as well - better cover for less can't be turned down. Although fully comp is definitely overkill though as on a banger will never be claimed on, and the voluntary excess needed to get a cheaper price will make it not worthwhile.

As for banger estates, the Skoda Favorit and Felicia 1.3 estates are great cars, although I suspect insurance for the hatchback versions would be cheaper. For the top of the range (if there is such a thing in a Skoda) GLXIe 1.3 high compression 67bhp Favorit estate with 13" alloy wheels, sunroof, and rear spoiler (yes yes it's probably more for show than go) as standard I paid £700 in first year and £500 second year starting with new full license at 26 years old in a crap high crime area (changing the postcode could have easily reduced it by £200).

I think perhaps the insurers cane the people who go for the Corsa, Saxo etc due to young drivers crashing them (if I get some time I might try ilustrate this with quotes for a fictitous person with different cars). So I think it is worth trying for insurance quotes for cars different to the usual 17 year old cruise machines, like the Skoda Felicia - even if your daughter wouldn't want to be seen dead in such a car, if the car itself is cheaper than a Corsa or whatever, and insurance is a few hundred quid cheaper you're possibly £500 up just on choice of car. All they are at the end of the day is a metal tin can that has an engine etc and goes from A to B. Surely that's what a car is about, and not looking cool to all your mates spending all day cruising up and down the local high street in the coolest car with the nicest badge.

Quotes quotes and more quotes on a variety of different cars. And also for her own policy try adding parents as named drivers as this can reduce the quote, even if the parents never drive the car - do not do policy fronting though, insuring the car in your own name and putting daughter as named driver when she is main driver.

anewman

Inactive wrote: »

Bad suggestion by implication, Insurance Companies have access to MOT's, which show up annual mileage, as well as checking mileage if an accident should occur.

As well as giving false info to an insurance company can render your cover invalid.

That's not bad for me then. My clock is broken and doesn't always add on miles :rotfl: But seriously, what if you were to change the clock? I have an old clock spare ready to swap for the one in the car that's not at it's best. If I swap it now it will add on over 10k miles that I haven't driven. No matter what I tell the MOT tester they won't change the reading. Also on my car it's so easy to swap out the instrument panel.

socks_uk

ladydriva wrote: »

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!!!!!!!!

It's just a thought but... How many lessons would your daughter get for £311? (I passed my test many moons ago - about £6 an hour - and don't know how much they are now!) Enough to have some more lessons close together like an intensive course to pass sooner than later?

Maybe you can go to a car park of a supermarket about 6pm on a Sunday when the shop is closed and no risk of hitting anyone/thing?

pompeyrich

socks_uk wrote: »

It's just a thought but... How many lessons would your daughter get for £311? (I passed my test many moons ago - about £6 an hour - and don't know how much they are now!) Enough to have some more lessons close together like an intensive course to pass sooner than later?

Maybe you can go to a car park of a supermarket about 6pm on a Sunday when the shop is closed and no risk of hitting anyone/thing?

BSM charge around £24p.h. if you book a block of 10 or are a student they are £3p.h. cheaper


Supermarket car parks are covered by the Road Traffic Act and therefore it would be an offence to drive around one without the required insurance.

Stephb1986_2

Im giving my mum driving lessons and to put her on my policy it cost me nothing im only TPFT and pay my insurance monthly im with quinn direct but always go through confused.com

Steph xx

headpin

Firstly, on mileage you can only provide an estimate, especially if it's your first year of motoring and you have no idea of what mileage you may or may not travel. So why pay for more than you may actually travel. You will ot be refunded if you travel 2k or 3k less.

Whilst TP will probably be cheaper it will generally not be hugely so as the risk of young drivers having an accident remains the same and it is often the damage to the Third Party that is expensive and the TP premium is loaded accordingly.

Also you will often find it cheaper if you add on to the young persons insurance their parents as named driver, so long as they have a good driving record and no claims.

Girls will normally pay about 30%+ less than boys to insure the same vehicle. I would suggest that even for a small Group 1 car a 17 year old newly qualified male driver can expect to see quotes of £2k.

Inactive

anewman wrote: »

No matter what I tell the MOT tester they won't change the reading. Also on my car it's so easy to swap out the instrument panel.

If you explain the situation to your insurers, provide proof, then you should be OK.

ladydriva

thanks everyone for all your replies, im going to have to shop around it seems.

a couple of people said about putting a parent on as named driver.. well my partner whos 31 has been driving for 2 years but has never had insurance in his own name as hes always been on my policy(ive got full no claims, no accidents, been driving 12 yrs) would it be better for me to insure the car in his name with daughter as named driver? or the other way around cos when we get this 2nd car other half will use it as well as daughter,

i dont think i could go on the policy could i as named driver as ive got fully comp for my car that lets me drive any other car with owner consent etc