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  • pingu1
    • #2
    • 27th Mar 11, 1:12 PM
    don't ask you don't get!
    • #2
    • 27th Mar 11, 1:12 PM
    My daughter insured with Tesco but her premium went up after 1st year (even with no claims). She did compare sites then phoned Tesco who gave her 2 months free insurance!
    However, when she added her Dad to her policy it was even cheaper. Worth a try.
  • Verdi Fan
    • #3
    • 13th Jul 11, 3:45 PM
    Best way to reduce young driver insurance.
    • #3
    • 13th Jul 11, 3:45 PM
    My husband and I have recently paid for 6 hour-long driving lessons with The Young Driver Scheme for our 12 year old car-mad grandson at the NEC in Birmingham. He has had his 3rd lesson so far and has already progressed beyond belief. He will have taken the remaining 3 by the Autumn.
    The set-up is most impressive, extremely professional and well-organised and, of course, the best present we could have bought him!! (There are several places in the UK where this is offered)

    We intend to repeat this until he takes his driving test, and have been assured that, not only will he be a safe, road-aware and competent driver by the age of 17, but that the ensuing cost of his car insurance will be cut dramatically.

    Highly recommended!
    • Spiderham
    • By Spiderham 13th Jul 11, 7:04 PM
    • 323 Posts
    • 92 Thanks
    Spiderham
    • #4
    • 13th Jul 11, 7:04 PM
    • #4
    • 13th Jul 11, 7:04 PM
    We intend to repeat this until he takes his driving test, and have been assured that, not only will he be a safe, road-aware and competent driver by the age of 17, but that the ensuing cost of his car insurance will be cut dramatically.
    Originally posted by Verdi Fan
    Do you have that in writing? It could well have no effect whatsoever as insurers are under no obligation to take these into account and may well not use it as a rating factor.

    By all means if he enjoys them go for it and they could well speed up how quickly he passes his test but don't bank on the insurance being reduced necessarily.
    • bouncydog1
    • By bouncydog1 14th Jul 11, 7:07 AM
    • 2,603 Posts
    • 2,058 Thanks
    bouncydog1
    • #5
    • 14th Jul 11, 7:07 AM
    • #5
    • 14th Jul 11, 7:07 AM
    Definately a sales ploy, unless they can confirm which insurers will take this into account!

    If they can, then please post back so others can take advantage of the scheme.
  • Think Fast Mum
    • #6
    • 14th Jul 11, 9:28 PM
    • #6
    • 14th Jul 11, 9:28 PM
    My son learnt in my car. He had Collingwood Learner insurance in his own name as a learner, which meant anyone could sit with him while he practiced, it was his insurance and not mine if there were any accidents (which there weren't!) and we could do the insurance month by month. Once he passed his test I added him to my Lloyds insurance, then changed it to Aviva (as recommended by someone at work) and saved £800.

    Now he has his own car (C3, 52 plate) and insurance with me as a named driver, with Aviva at a cost of £2200, which we did on-line. While surfing on the Aviva website I read you can phone up and add a pass plus qualification which my son did - so he has just had a refund of £192. He's well impressed. (Sorry should have added that he is 18!)

    (First time I've posted, but feel passionate about the young driver thing - so glad I was recommended to Aviva, want others to know about it)
    Last edited by Think Fast Mum; 15-07-2011 at 3:23 PM. Reason: Additional Information
    • Alison_B
    • By Alison_B 15th Jul 11, 12:54 PM
    • 2,096 Posts
    • 1,833 Thanks
    Alison_B
    • #7
    • 15th Jul 11, 12:54 PM
    • #7
    • 15th Jul 11, 12:54 PM
    I have spent the past 2 or 3 weeks trying to find competitive insurance for my son who will be 17 at the weekend. Most places were coming up around the £4,000 mark and when I phoned about it, was told that it would increase when he passes his test. I contacted a company called I-Kube who quoted me £2000 for Fully Comprehensive and it doesn't change once his test is passed. They were phoning me back today as I was making a decision who to go with and they offered it to me for £1860 and that includes a cover where they take care of the £500 excess. The only downside is that he has to have a tracking box fitted to the car and he cannot drive between the hours of 11 pm and 5 am but I suppose that is a small price to pay for him being able to learn to drive.

    Just thought others would like to know if you are struggling with your young lads insurance. I think it is only competitive also whilst they are a learner driver. My nephew passed his test in April and they quoted him £8000. I queried it with them and they said that had he gone to them as a learner, then it would have been cheaper like my sons insurance.
  • foreverawhite
    • #8
    • 19th Aug 11, 2:06 PM
    • #8
    • 19th Aug 11, 2:06 PM
    Alison B do you mind me asking what car this insurance was for.I'm in the same situation as you with a son nearing 17 but he hasn't bought a car yet.
  • Tiberman
    • #9
    • 24th Aug 11, 2:28 PM
    • #9
    • 24th Aug 11, 2:28 PM
    My nineteen year old daughter passed her test yesterday and had been a named driver on her mother's car.We were with Direct Line for our two cars up that point. Took out a policy with my daughter as the only named driver on a fully comp. basis. Allowing for a second car discount and our semi-rural postal address we were offered and accepted cover for £1620. That beat our searches on moneysupermarket.com by a few hundred pounds. I can drive what is now my daughter's car (her description) on a 3rd party basis if needs be. Wife and I now relegated to a car share arrangement as a third car purchase isn't justified. All in all give Direct Line a call.
    Last edited by Tiberman; 24-08-2011 at 2:32 PM. Reason: typo error
    • Alison_B
    • By Alison_B 24th Aug 11, 2:41 PM
    • 2,096 Posts
    • 1,833 Thanks
    Alison_B
    Alison B do you mind me asking what car this insurance was for.I'm in the same situation as you with a son nearing 17 but he hasn't bought a car yet.
    Originally posted by foreverawhite
    Sorry, only just seen this. The car is an 07 plate Fiat Grande Punto.
  • Bottlewasher
    Provisional Marmalade then Aviva
    When my son turned 17 in February we used Provisional Marmalade to 'top-up' our insurance on our 06 Honda Accord Estate. It was very quick and efficient to set up and we were very happy with it, although the test of any insurance is the claims procedure which, luckily, we didn't have to do.

    When he passed in June, we approached our existing insurer, Aviva. They quoted £450 to add him to the existing policy until renewal in December. His excess is £550 as opposed to ours at £250. We were asked some pretty detailed questions about where he was living (at home), what was he doing (at school) and how much he would be allowed to drive. In addition, this is our only car and our means of getting to work and its not a particularly cool car to be lapping the school car park in.

    The information was passed to an underwriter who considered the risk as opposed to a computer with its rigid statistical tables. We were delighted with the price and the service and I would definitely give them a try.
  • trackyb
    I have been trying to get insurance for my son who is 17 and passed his test on 02/08/11 - he has a car Peugeot 206 (2001) and I have put myself on as a named driver. All the insurance companies are quoting between £5k and £8k, I have tried them all - does anyone have any other ideas I could try. This is so disheartening for him as we cant' afford the prices and even if we could I would not pay, you could get a brand new car for what they are asking. Any help would be appreciated

    Just found tesco now and that is £3.500 which is still far too expensive
    Last edited by trackyb; 09-09-2011 at 8:30 PM.
    • rev_henry
    • By rev_henry 10th Sep 11, 12:42 AM
    • 4,875 Posts
    • 2,065 Thanks
    rev_henry
    I have been trying to get insurance for my son who is 17 and passed his test on 02/08/11 - he has a car Peugeot 206 (2001) and I have put myself on as a named driver. All the insurance companies are quoting between £5k and £8k, I have tried them all - does anyone have any other ideas I could try. This is so disheartening for him as we cant' afford the prices and even if we could I would not pay, you could get a brand new car for what they are asking. Any help would be appreciated

    Just found tesco now and that is £3.500 which is still far too expensive
    Originally posted by trackyb
    Where do you live? And have you tried iKube? What engine is in the car?
  • trackyb
    We live in noth yorkshire and I am going to ring ikube this morning, that is the only one I haven't tried. the engine is a 1.1
    • bouncydog1
    • By bouncydog1 10th Sep 11, 9:54 AM
    • 2,603 Posts
    • 2,058 Thanks
    bouncydog1
    Try the Co-op, NFU and Aviva. Also try who you are insured with for other vehicles.

    Note your comment about prices and buying new car for that - remember the risk to insurers is the damage that a driver does to others in an accident - that can run into £ms and the risk is higher when the driver is newly qualified and male.

    You might do better with a seriously uncool car - Peugeot 206's are common amongst younger drivers along with Corsa's etc. You would probably find cheaper insurance for something like a skoda or volvo.
    • rev_henry
    • By rev_henry 10th Sep 11, 12:20 PM
    • 4,875 Posts
    • 2,065 Thanks
    rev_henry
    We live in noth yorkshire and I am going to ring ikube this morning, that is the only one I haven't tried. the engine is a 1.1
    Originally posted by trackyb
    Those quotes do surprise me, because N Yorkshire is pretty rural, crime free etc I would have thought...
  • morizot
    Cheapest insurance
    Less 1k for 19 year old just passed her test (500 excess though) fully comp through gocompare and Diamond. Parents are named other drivers. car is group 2 insurance

    Concerned though that premiums will go up dec 2012. I suppose that is the price of gender equality
  • morizot
    £780 fully comp 19 year old daughter, insurance group 2 on a multi car policy with Admiral. The quotes for my husband & myself were a little on the high side (£100 higher than the lowest quote elsewhere) but the overall cost was 1.3k for the 1.2 engine, 2.5 engine and 1.8 engine.

    The customer service was good on the first call (lovely welsh accent who answered my queries), not good on the second (american type accent, he kept asking me questions on things I had already specified on the quote, I will be checking the policy documents carefully when they arrive as I don't think the second customer service was very efficient)

    We live in a rural location which helps. Our friend's 18year old daughter is also on a admiral multi car policy (hyundai i10) & the cost was 1.2k. They live in a leafy but more urban area.
    • berbastrike
    • By berbastrike 7th Nov 11, 4:05 PM
    • 1,899 Posts
    • 2,049 Thanks
    berbastrike
    21 year old male, £248 fully comp. Perhaps some kind of record!
  • revelstone
    Just wondered if you managed to get anywhere with a reasonable quote?

    I have been trying to get insurance for my son who is 17 and passed his test on 02/08/11 - he has a car Peugeot 206 (2001) and I have put myself on as a named driver. All the insurance companies are quoting between £5k and £8k, I have tried them all - does anyone have any other ideas I could try. This is so disheartening for him as we cant' afford the prices and even if we could I would not pay, you could get a brand new car for what they are asking. Any help would be appreciated

    Just found tesco now and that is £3.500 which is still far too expensive
    Originally posted by trackyb
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