Young/new drivers car insurance

stevemvs

Hi. This is my first ever post, so excuse me if this has already been dealt with, but I couldn't find anything related. I am trying to get a car insurance quote for my son who will be 17 soon and has just bought a basic vauxhall corsa to learn to drive in. I went onto one of the comparison web sites and the majority of quotes were all betwen £2300 to £2800 for TPF&t cover. But there was a quote from QUINN DIRECT FOR LESS THAN £1000. DOES ANYONE KNOW WHY THIS WOULD BE? Is it a safe company and is the cover the same?

MrsE_2

stevemvs wrote: »

Hi. This is my first ever post, so excuse me if this has already been dealt with, but I couldn't find anything related. I am trying to get a car insurance quote for my son who will be 17 soon and has just bought a basic vauxhall corsa to learn to drive in. I went onto one of the comparison web sites and the majority of quotes were all betwen £2300 to £2800 for TPF&t cover. But there was a quote from QUINN DIRECT FOR LESS THAN £1000. DOES ANYONE KNOW WHY THIS WOULD BE? Is it a safe company and is the cover the same?

Yes Quinn is great for new/young drivers.
My Nephew saved lots going with them.
When my DD passes her test I will get my first quote for her from them.

stevemvs

Thanks. I couldn't beleive the difference in price. I think it was around £970, as opposed to £2300 for the next cheapest. I thought it might have been a scam. I was wondering if it was for a whole year or not. Do you know whether or not you stil get no claims bonus after 1 year (if the 'kids' are luckly enough to earn it)

MrsE_2

stevemvs wrote: »

Thanks. I couldn't beleive the difference in price. I think it was around £970, as opposed to £2300 for the next cheapest. I thought it might have been a scam. I was wondering if it was for a whole year or not. Do you know whether or not you stil get no claims bonus after 1 year (if the 'kids' are luckly enough to earn it)

Yes you do get no claims bonus too.
It was me that put my nephew onto them.

silvercar

Careful of Quinn, they increase the premium massively once you've passed your test. Other insurers don't charge any extra.

MrsE_2

silvercar wrote: »

Careful of Quinn, they increase the premium massively once you've passed your test. Other insurers don't charge any extra.

My nephew didn't get his with them till AFTER he had passed.

They were by far & away the cheapest.

brooksie

My son was with Quinn as a learner driver for 6 weeks, passed his test, Quinn wanted en extra £1591 (on top of the £1100 he had already paid) so I would not recommend Quinn but they might be different for other people with different cats. We have now cancelled the policy and got a comprehensive policy for just a bit less than what quinn wanted extra for 12 months. Driving is certainly not a cheap hobby for youngsters!:D

MrsE_2

Well the sensible thing for the OP to do would be to get two quotes, one with & one without his full license.

If hes likely to pass in the next year he can then decide from that.

However I find it very strange that insurance would go up on passing a test. Is it possible there were some other factors?

MarkyMarkD

This has been discussed before, MrsE.

A new driver with a full licence is a huge risk for an insurer. They can drive around with their chavvy mates, showing off, eyeing up girls, and crash into lots of other people's nice cars. (Slight stereotyping, but you catch my drift).

Whereas a learner, sitting with their Dad/Mum (most of the time) isn't going to do anything naughty at all. All that might happen is a genuine accident.

MrsE_2

MarkyMarkD wrote: »

This has been discussed before, MrsE.

A new driver with a full licence is a huge risk for an insurer. They can drive around with their chavvy mates, showing off, eyeing up girls, and crash into lots of other people's nice cars. (Slight stereotyping, but you catch my drift).

Whereas a learner, sitting with their Dad/Mum (most of the time) isn't going to do anything naughty at all. All that might happen is a genuine accident.

FINE, but my nephew really did save loads.

Best thing the OP can do is get a with & without quote & then he WILL know for sure.

The question was are the proper car insurers, yes they are.

jem16

MrsE wrote: »

The question was are the proper car insurers, yes they are.

That is true. However I would also want to be made aware that they will increase the premium once the test was passed. It would be too late if I took out a policy and only found out later.