Cheap cars to insure for learner drivers

Amanda65

kr15snw wrote: »

Then they cant prove its not your car. Oh and if she ever gets pulled and they ask if its her vehicle 'no officer, its my mums. Im borrowing it'

I'm really sorry but I appear to have started a major argument on here - not my intention at all when asking for some advice!

The main problem I can see with the above quote is that I do drive and have a car and insurance in my own name with a completely clean record (and protected NCB) and as much as I love my DD I really don't want to lose my hard earned discounts :rolleyes:

Am still searching for a car - and although she is VERY picky this is a really good lesson for her into learning how you have to compromise your wishes against your budget :rotfl:

tinkerbell84

It wasn't you that started the argument

I'd suggest you have a read through the insurance board - this question crops up all the time, and you'll never find anyone (and there are lots of us that do/did work in insurance) recommend that you put your daughter on as a named driver.

You could even re-post your OP in there and see what people say! I'll stay out of it

Gemmzie

My brother at 17, bought a 1.0 Corsa, it was about £800 for him to insure as a young driver. In his name, with both my parents as named drivers. HTH

Gemmzie

Amanda65 wrote: »

Hi all

Hope you don't mind a parent using the student board but thought those on here might be able to give the best advice.

DD1 is 17 in July and as I drive a 7-seater MPV and OH drives an automatic she is going to have to get a small car to learn in on top of lessons or she will be paying out a fortune to the driving school.

We've been looking around at sencond hand cars - she has about £1,000 saved to spend on the car - and I am shocked at the cost of insurance, even third party. I have 'aged' her by two months so that we can get quotes as though she were a 17 year old with a provisional licence and we are getting back quotes for more than the value of the car with £600 compulsory excess :eek: .

I just wondered if anyone had any experience of purchasing insurance on a provisional licence and which cars you found to be the most cost efective to insure / tax / run.

At the moment she has set her heart on a Clio but wants a newer shape (S/T reg onwards I think). Any advice

I have a new shape Clio, they changed in the 'R' year (that year has both shapes I believe).

I got an S reg one, 3dr, 1.2, 56k miles about two years ago for £1.5k - they are very sought after cars so not that cheap. In my second year's insurance as a provisional driver, I paid £600 with Norwich Union.

She's lucky being a girl It's much cheaper for us

sophie131

Hiya! I passed my driving test in February and got a Suzuki Alto. It's great for me. Doesn't eat up petrol and is cheap to insure. Have a look at it!!

Blacksheep1979

tinkerbell84 wrote: »

:rolleyes:

subtitles for the hard of thinking:



That clearer for you? Maybe you could try reading the thread again when you're in possession of the family brain cell

I think my IQ is a touch higher than yours sweetie - and my point still stands, whilst the op's daughter is a learner due to the fact she will have to have someone else with her the whole time (who is deemed to be in charge of the vehicle) she can never be the main driver. Once she has passed her test this may be a different matter - but wow, did you know that insurance companies let you change the details of your cover? I would have thought that you with your infinite knowledge of the entire insurance and legal system may know this. Now when you've warmed up your brain cells come back for a more sensible realistic chat. You can always tell the smart ones by the fact that they just shout their point when they can't think of anything else...

tinkerbell84

I wouldn't waste my time.

I'd still advise the OP to post her query in the insurance forum - there are other people who know all about it in there.

(Changing terms of cover part way through the year can result in massive increases in premium, adminstration fees and - should you decide to cancel to go elsewhere - cancellation fees of up to £50 too. Not the most moneysaving way to do it)

And actually, the main driver is actually the person behind the wheel and IN CONTROL OF THE CAR, not the parent in the passenger seat - unless the car has dual controls :rolleyes:

Lokolo

Just to point out when I went with DirectLine they charged the same amount of provisional as if passed. All I did was tell them over the phone and that was it.

I then did Pass Plus and told them about it, they asked me to send in my certificate and they then sent me a nice cheque. No admin fees and stuff.

However saying that, at the age you drive, you should be old enough to not always rely on parents and become more indepedant and so I say go for having your own insurance policy!

iNFLUENCE_2

Dear Lord thheres a whole load of pomitless rubbish being said on this thread that isnt helping the OP.

On the subject of cheap cars to insure, check out diesels. These tend to be a fair bit cheaper to insure due to thier less "boy racer"-ish nature. Although if your lookingt at diesels, you need to be looking at around a 1.4l as diesel engines are slightly arger than equivalent petrol ones.

Another thing to consider is the size of the car, while smaller generally means cheaper, I knew a girl who was 18 who got really cheap insurance becuase she had a car that was a actually techically an estate car, but only had 1.4 engine and the insurance was cheap because it was a big slow car. Small cars like Vauxhall Corsa's/Clio's/Saxo etc are all in high demand as so price wise there quite artificially high, sometimes its best to go for a slightly larger car for it to be cheaper.

big_gay_kirk

I shopped around a bit at the classic car insurance people.. to insure my son once 17 as a learner, on a 2.0 Ford Capri mk 2 will cost, for a maximum of 10,000 miles a year, £186.... or £260 if I do it fully comp.... other classics come cheaper, are just as reliable as modern cars, and are easier to diy on in the event of trouble... so you end up with a car that is distinctive, different, cheap to run, educational and better for the environment.... and probably cheaper to buy....