ave a read please

ineedinfo

hi i am 18 just got a Vauxhall corsa LS 1.2 and as you can imagine the insurance premiums are ridiculous does anyone know where i might find a cheaper car insurer that is less than 1300 because i find this outragous how are people like me meant to survive if anyone has any info i would be really thankfull

Cheers

robnye

sometimes by adding an experienced (and over 25) driver, ie a parent, can bring the price down

ineedinfo

when you say adding someone how would i add them if i needed to be the main driver

mary

What I did with my 20 year old 2 years ago was to take out a 2nd car insurance in my name and add his name as a driver. It was his car, he paid for everything, just we got a cheaper insurance that way by doing that. It doesn't help him build up his no claims bonus I know, but otherwise there was no way he or we could have afforded the ridiculous prices.

We used the CIS (Cooperative Insurance) and they were quite reasonable and understanding of the problems of young people!

Also, have you tried on https://www.confused.com as referred to by Martin on this site.

Good luck

Chester_Draws

Hi Ineedinfo,
You dont mention whether you did the PASS Plus part of your driver learning.

If you take this 6 (? I think) hour course, it will cost you about £130, but then several firms will give you at least 30% discount.

So, spend £130, save £400 per year.

Insurers that give the Pass Plus discount, include
Norwich Union,  Tesco,  errrr  cant remember the others, you will need to Google.

Start here:
http://www.passplus.org.uk/

Cagey

Mary, The insurance will be in your name & when your son comes to insure his own car I think he wil be back to square one & will have no no-claims bonus.

ineedinfo

Thank you all very much mary you are right the prices are really high these days.
Chester i have been wanting to do that pass plus didnt realise how much it would knock of my insurance cheers guys and girls

mary

Mary, The insurance will be in your name & when your son comes to insure his own car I think he wil be back to square one & will have no no-claims bonus.

Yes, you are correct, but by the time he finishes university, in theory he will be earning a lot more than he is currently on a student loan and part time work.  He can therefore, being that much older, afford the higher insurance premiums he will have to pay.    It's a case of putting off the evil day until he's financially a bit better off.

By the way some insurance companies do give you a cheaper quote if you have got the Pass Plus - true. But bear in mind you can probably get cheaper than that if you shop around anyway. Don't be tricked into thinking that 40% or whatever off is the cheapest necessarily.

isasmurf

Shouldn't this be in the insurance board?

scheming_gypsy

hi i am 18

Cheers

Rather than the pass plus there's the max driver which is aimed at younger people. It's in conjunction with Max Power magazine and Adrian Flux insurance. As far as i'm aware it's been put together because they know that young people don't drive like their mum, so it's designed to teach you how to handle a car and this that and the other.. Bit like Pass Plus for boy racers / potential boy racers.

It's also cheaper than Pass Plus at £99 or £199 if you do the crash course. Also get's you a gaurenteed 30% off insurance at Adrian Flux