Insurance for a 17 year old, just passed his test. £4,000+
Discussion
Not sure what they are like now, but i insured my first car at 17 with Tesco in 2006 for £1500, third party only. It was only a 1.1 G reg fiesta that cost £300.
Parent wouldn't let me near their cars, but paid for the insurance, i then paid them back every time i got paid, it was hard work but it was now worth it for the TCB i have built up. I got some big quotes back then but £4k+ seems crazy, best of luck finding a reasonable price.
Parent wouldn't let me near their cars, but paid for the insurance, i then paid them back every time i got paid, it was hard work but it was now worth it for the TCB i have built up. I got some big quotes back then but £4k+ seems crazy, best of luck finding a reasonable price.
Raize said:
Negative Creep said:
Ten years ago I remember being outraged at having to pay £1200 on my first car. The higher premiums get, the more tempting it is to commit fraud, or simply drive uninsured
And the more people who drive uninsured, the worse the premiums get. The obvious solution is much, much MUCH larger fines for uninsured driving that are used to subsidise the insurance industry as a whole.My 17 year old son passed his test last December, I tried loads of insurance company's in his name but they were all in excess of £4000. I finally got a great quote of £950 with Aviva taking the policy in my name with full NCB with my wife and son as named drivers, the bonus here is that my son will attract his own NCB as he hopefully clocks up accident free years.
As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
doorman said:
My 17 year old son passed his test last December, I tried loads of insurance company's in his name but they were all in excess of £4000. I finally got a great quote of £950 with Aviva taking the policy in my name with full NCB with my wife and son as named drivers, the bonus here is that my son will attract his own NCB as he hopefully clocks up accident free years.
As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
If he is the main driver that is fronting, which is illegal. It is basically fraud.As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
doorman said:
My 17 year old son passed his test last December, I tried loads of insurance company's in his name but they were all in excess of £4000. I finally got a great quote of £950 with Aviva taking the policy in my name with full NCB with my wife and son as named drivers, the bonus here is that my son will attract his own NCB as he hopefully clocks up accident free years.
As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
I might be totally misunderstanding this, but if the policy is in your name, how is he building a no claims bonus? It only applies to the main driver of the car, which is you.As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
If your son is the main driver, and you've said you are, then he's not insured and you've committed fraud.
Please explain what I've misunderstood.
C
LukeSi said:
doorman said:
My 17 year old son passed his test last December, I tried loads of insurance company's in his name but they were all in excess of £4000. I finally got a great quote of £950 with Aviva taking the policy in my name with full NCB with my wife and son as named drivers, the bonus here is that my son will attract his own NCB as he hopefully clocks up accident free years.
As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
If he is the main driver that is fronting, which is illegal. It is basically fraud.As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
CraigyMc said:
doorman said:
My 17 year old son passed his test last December, I tried loads of insurance company's in his name but they were all in excess of £4000. I finally got a great quote of £950 with Aviva taking the policy in my name with full NCB with my wife and son as named drivers, the bonus here is that my son will attract his own NCB as he hopefully clocks up accident free years.
As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
I might be totally misunderstanding this, but if the policy is in your name, how is he building a no claims bonus? It only applies to the main driver of the car, which is you.As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
If your son is the main driver, and you've said you are, then he's not insured and you've committed fraud.
Please explain what I've misunderstood.
C
Negative Creep said:
LukeSi said:
doorman said:
My 17 year old son passed his test last December, I tried loads of insurance company's in his name but they were all in excess of £4000. I finally got a great quote of £950 with Aviva taking the policy in my name with full NCB with my wife and son as named drivers, the bonus here is that my son will attract his own NCB as he hopefully clocks up accident free years.
As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
If he is the main driver that is fronting, which is illegal. It is basically fraud.As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
doorman said:
OMG Read it again, car insured in my name, I drive it my wife drives it my son drives it, concession here, Aviva will give my son a a NCB equivalent to the number of years he has earned on my policy when he eventually takes out his own policy with Aviva and there is no stipulation as to the percentage he drives it to the rest of the family
So who drives, is in control of the car for the majority of the time?Do you and your wife have access to other cars which you use regularly?
Does your son have access or is named on other cars?
Does he use it to go to and from college/work?
What did you say to the question "Who is the main user of the vehicle?"
You realise that the NCB built as a named driver is non transferable? of course as you say he can use it on an aviva policy but what if they're not competative even with the named NCB? he's back to square one with another insurer.
doorman said:
as a condition of my son having his own car he has to have a blackbox camera installed
When you describe it like that, and make it clear that you would have insured it in his name were it not so expensive, it's not surprising that people jump to the conclusion that you are fronting.
Finally, an update.
He rang `Bell`, they couldn`t even offer a quote.
Next up was LV. I`ve been with them in the past and found them competitive so was hoping for a competitive quote. They came back with a £5,200 as the cheapest quote, he tried various vehicles, the lowest appears to be a 1.0 2000 Corsa but £5,200 was obviously far too high.
Moving on to Adrian Flux. A friendly guy on the phone who understood what the issues were. Adding my wife or myself as named drivers reduced the quote by £300, adding another older member of the family actually increased the premium. Adding both me AND my wife as named drivers made extra difference, only the £300 for either of us.
They said the chillibongo device COULDN`T be incorporated into the policy or quotes for him to reduce premiums, even after asking twice so we were sure, they confirmed it could not be used with the young driver policy, which seems at odds with this post on their site "Saves Young Drivers 15% off their insurance premium with Adrian Flux's Young Driver motor insurance".
However, after several options a quote of £2750 was offered. This could be reduced `by 15% to 25%` if he passed the NVQ Safe Driver course. Obviously, we are looking into that and what it entails now.
He then asked about a Classic MK1 Golf 1.1L 4speed which would be £2,900
Waiting until his 18th Birthday makes NO difference to the quotes, they said as he wouldn`t drive for the next year, he`d gain no experience or NCD so the quote would be the same.
Then we tried a 1979 Classic 1100 Mini and the premium for this was £2,246. Taking the NVQ Safe Driver Course @ £40 would reduce that to £1993 (including the £40).
This is getting into the realm of almost being acceptable !
He rang `Bell`, they couldn`t even offer a quote.
Next up was LV. I`ve been with them in the past and found them competitive so was hoping for a competitive quote. They came back with a £5,200 as the cheapest quote, he tried various vehicles, the lowest appears to be a 1.0 2000 Corsa but £5,200 was obviously far too high.
Moving on to Adrian Flux. A friendly guy on the phone who understood what the issues were. Adding my wife or myself as named drivers reduced the quote by £300, adding another older member of the family actually increased the premium. Adding both me AND my wife as named drivers made extra difference, only the £300 for either of us.
They said the chillibongo device COULDN`T be incorporated into the policy or quotes for him to reduce premiums, even after asking twice so we were sure, they confirmed it could not be used with the young driver policy, which seems at odds with this post on their site "Saves Young Drivers 15% off their insurance premium with Adrian Flux's Young Driver motor insurance".
However, after several options a quote of £2750 was offered. This could be reduced `by 15% to 25%` if he passed the NVQ Safe Driver course. Obviously, we are looking into that and what it entails now.
He then asked about a Classic MK1 Golf 1.1L 4speed which would be £2,900
Waiting until his 18th Birthday makes NO difference to the quotes, they said as he wouldn`t drive for the next year, he`d gain no experience or NCD so the quote would be the same.
Then we tried a 1979 Classic 1100 Mini and the premium for this was £2,246. Taking the NVQ Safe Driver Course @ £40 would reduce that to £1993 (including the £40).
This is getting into the realm of almost being acceptable !
doorman said:
My 17 year old son passed his test last December, I tried loads of insurance company's in his name but they were all in excess of £4000. I finally got a great quote of £950 with Aviva taking the policy in my name with full NCB with my wife and son as named drivers, the bonus here is that my son will attract his own NCB as he hopefully clocks up accident free years.
As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
You do realise the insurers have much better lawyers than you and can easily "prove" fronting (even if you weren't) and bankrupt you? Just don't do named driver policies, it will not end well if the young driver has a crash.As we all know, the first few months of youngsters driving on there own are the most critical, as a condition of my son having his own car he has to have a blackbox camera installed (Roadhawk)this encourages him to drive sensibly and with in the law, to date, it has the desired effect.
There is a new black box system now available that has an even better camera and recording quality which I am about to change over to and the company has managed a 15% discount with Adrian Flux and is negotiating with others as we speak www.chillibongo.com check it out
Also check comparison sites before you phone up. That post above about the insurer saying "the premium will not reduce even if you are a year older" is just the insurer trying to take you for as much money as possible. The premium DOES go down regardless of whether you drove or not, and I'd bet if you entered your details into that same insurers website for 17, and 18 year old, the price would be less.
Edited by Raize on Wednesday 1st August 17:49
Wh00sher said:
Finally, an update.
He rang `Bell`, they couldn`t even offer a quote.
Next up was LV. I`ve been with them in the past and found them competitive so was hoping for a competitive quote. They came back with a £5,200 as the cheapest quote, he tried various vehicles, the lowest appears to be a 1.0 2000 Corsa but £5,200 was obviously far too high.
Moving on to Adrian Flux. A friendly guy on the phone who understood what the issues were. Adding my wife or myself as named drivers reduced the quote by £300, adding another older member of the family actually increased the premium. Adding both me AND my wife as named drivers made extra difference, only the £300 for either of us.
They said the chillibongo device COULDN`T be incorporated into the policy or quotes for him to reduce premiums, even after asking twice so we were sure, they confirmed it could not be used with the young driver policy, which seems at odds with this post on their site "Saves Young Drivers 15% off their insurance premium with Adrian Flux's Young Driver motor insurance".
However, after several options a quote of £2750 was offered. This could be reduced `by 15% to 25%` if he passed the NVQ Safe Driver course. Obviously, we are looking into that and what it entails now.
He then asked about a Classic MK1 Golf 1.1L 4speed which would be £2,900
Waiting until his 18th Birthday makes NO difference to the quotes, they said as he wouldn`t drive for the next year, he`d gain no experience or NCD so the quote would be the same.
Then we tried a 1979 Classic 1100 Mini and the premium for this was £2,246. Taking the NVQ Safe Driver Course @ £40 would reduce that to £1993 (including the £40).
This is getting into the realm of almost being acceptable !
Good news! It looks like you're trying everything possible He rang `Bell`, they couldn`t even offer a quote.
Next up was LV. I`ve been with them in the past and found them competitive so was hoping for a competitive quote. They came back with a £5,200 as the cheapest quote, he tried various vehicles, the lowest appears to be a 1.0 2000 Corsa but £5,200 was obviously far too high.
Moving on to Adrian Flux. A friendly guy on the phone who understood what the issues were. Adding my wife or myself as named drivers reduced the quote by £300, adding another older member of the family actually increased the premium. Adding both me AND my wife as named drivers made extra difference, only the £300 for either of us.
They said the chillibongo device COULDN`T be incorporated into the policy or quotes for him to reduce premiums, even after asking twice so we were sure, they confirmed it could not be used with the young driver policy, which seems at odds with this post on their site "Saves Young Drivers 15% off their insurance premium with Adrian Flux's Young Driver motor insurance".
However, after several options a quote of £2750 was offered. This could be reduced `by 15% to 25%` if he passed the NVQ Safe Driver course. Obviously, we are looking into that and what it entails now.
He then asked about a Classic MK1 Golf 1.1L 4speed which would be £2,900
Waiting until his 18th Birthday makes NO difference to the quotes, they said as he wouldn`t drive for the next year, he`d gain no experience or NCD so the quote would be the same.
Then we tried a 1979 Classic 1100 Mini and the premium for this was £2,246. Taking the NVQ Safe Driver Course @ £40 would reduce that to £1993 (including the £40).
This is getting into the realm of almost being acceptable !
Although waiting until his 18 birthday will make a difference to the quotes. You can run a quote with the drivers age at 17years and 364days, then change the DOB one day to make him 18 and you see a notable difference sometimes.
Hi All,
This is my first post on PistonHeads so firstly, I just wanted to say "hi". For anyone who doesn't know me already, my name is Kieran, and I am the founder of ChilliBongo. Hopefully I'll be on here a bit more often and will get to know some of you over time.
Wh00sher - I just saw your comment & so wanted to get in touch in case I could help
I can only currently think of 2 reasons for the discount not being offered.
1) It's a Brand New discount scheme and isn't actually in the IT system yet (it will be very shortly). As a result, the team are having to apply the discount manually.
All of the team should be aware of it but as they've got around 500 members of staff, it's possible 1 or 2 may not have been told yet if they've just got back from holiday, etc. If that's the case, obviously that needs resolving ASAP, so I'll get in touch with them for you to see if that's what the problem was.
2) The only other explanation I can think of is that I know in a small number of cases where the customer falls into a particular high risk category, they're unable to offer the discount. That's why on the website I've mentioned "There are a few small terms & conditions for the discount, so contact Adrian Flux to check that you're eligable"
Did you happen to catch the name of the customer service team member who helped you with your call? If so, could you please let me know and hopefully we'll be able to get to the bottom of this for you ASAP and try to get you that discount!
Alternatively, please do feel free to email me your contact details and I'll be happy to ask a member of the Adrian Flux team to call you back.
If I can help with anything else, just shout!
Thanks
Kieran
Kieran Thomas
Founder - ChilliBongo
This is my first post on PistonHeads so firstly, I just wanted to say "hi". For anyone who doesn't know me already, my name is Kieran, and I am the founder of ChilliBongo. Hopefully I'll be on here a bit more often and will get to know some of you over time.
Wh00sher - I just saw your comment & so wanted to get in touch in case I could help
Wh00sher said:
Finally, an update.
Moving on to Adrian Flux. A friendly guy on the phone who understood what the issues were. Adding my wife or myself as named drivers reduced the quote by £300, adding another older member of the family actually increased the premium. Adding both me AND my wife as named drivers made extra difference, only the £300 for either of us.
They said the chillibongo device COULDN`T be incorporated into the policy or quotes for him to reduce premiums, even after asking twice so we were sure, they confirmed it could not be used with the young driver policy, which seems at odds with this post on their site "Saves Young Drivers 15% off their insurance premium with Adrian Flux's Young Driver motor insurance".
I've been working really hard over the last few months to get this all in place and the team at Adrian Flux have been really great at not only getting the discount agreed on their Young Driver scheme, but also on about 20+ other schemes which I literally announced only last night, so when I read this I was naturally extremely concerned, and I'm hoping I may be able to help get to the bottom of this for you.Moving on to Adrian Flux. A friendly guy on the phone who understood what the issues were. Adding my wife or myself as named drivers reduced the quote by £300, adding another older member of the family actually increased the premium. Adding both me AND my wife as named drivers made extra difference, only the £300 for either of us.
They said the chillibongo device COULDN`T be incorporated into the policy or quotes for him to reduce premiums, even after asking twice so we were sure, they confirmed it could not be used with the young driver policy, which seems at odds with this post on their site "Saves Young Drivers 15% off their insurance premium with Adrian Flux's Young Driver motor insurance".
I can only currently think of 2 reasons for the discount not being offered.
1) It's a Brand New discount scheme and isn't actually in the IT system yet (it will be very shortly). As a result, the team are having to apply the discount manually.
All of the team should be aware of it but as they've got around 500 members of staff, it's possible 1 or 2 may not have been told yet if they've just got back from holiday, etc. If that's the case, obviously that needs resolving ASAP, so I'll get in touch with them for you to see if that's what the problem was.
2) The only other explanation I can think of is that I know in a small number of cases where the customer falls into a particular high risk category, they're unable to offer the discount. That's why on the website I've mentioned "There are a few small terms & conditions for the discount, so contact Adrian Flux to check that you're eligable"
Did you happen to catch the name of the customer service team member who helped you with your call? If so, could you please let me know and hopefully we'll be able to get to the bottom of this for you ASAP and try to get you that discount!
Alternatively, please do feel free to email me your contact details and I'll be happy to ask a member of the Adrian Flux team to call you back.
If I can help with anything else, just shout!
Thanks
Kieran
Kieran Thomas
Founder - ChilliBongo
ChilliBongo said:
I've been working really hard over the last few months to get this all in place and the team at Adrian Flux have been really great at not only getting the discount agreed on their Young Driver scheme, but also on about 20+ other schemes which I literally announced only last night, so when I read this I was naturally extremely concerned, and I'm hoping I may be able to help get to the bottom of this for you.
I can only currently think of 2 reasons for the discount not being offered.
1) It's a Brand New discount scheme and isn't actually in the IT system yet (it will be very shortly). As a result, the team are having to apply the discount manually.
All of the team should be aware of it but as they've got around 500 members of staff, it's possible 1 or 2 may not have been told yet if they've just got back from holiday, etc. If that's the case, obviously that needs resolving ASAP, so I'll get in touch with them for you to see if that's what the problem was.
2) The only other explanation I can think of is that I know in a small number of cases where the customer falls into a particular high risk category, they're unable to offer the discount. That's why on the website I've mentioned "There are a few small terms & conditions for the discount, so contact Adrian Flux to check that you're eligable"
Did you happen to catch the name of the customer service team member who helped you with your call? If so, could you please let me know and hopefully we'll be able to get to the bottom of this for you ASAP and try to get you that discount!
Alternatively, please do feel free to email me your contact details and I'll be happy to ask a member of the Adrian Flux team to call you back.
If I can help with anything else, just shout!
Thanks
Kieran
Kieran Thomas
Founder - ChilliBongo
Hi Kieran, many thanks for taking the time to register and post.I can only currently think of 2 reasons for the discount not being offered.
1) It's a Brand New discount scheme and isn't actually in the IT system yet (it will be very shortly). As a result, the team are having to apply the discount manually.
All of the team should be aware of it but as they've got around 500 members of staff, it's possible 1 or 2 may not have been told yet if they've just got back from holiday, etc. If that's the case, obviously that needs resolving ASAP, so I'll get in touch with them for you to see if that's what the problem was.
2) The only other explanation I can think of is that I know in a small number of cases where the customer falls into a particular high risk category, they're unable to offer the discount. That's why on the website I've mentioned "There are a few small terms & conditions for the discount, so contact Adrian Flux to check that you're eligable"
Did you happen to catch the name of the customer service team member who helped you with your call? If so, could you please let me know and hopefully we'll be able to get to the bottom of this for you ASAP and try to get you that discount!
Alternatively, please do feel free to email me your contact details and I'll be happy to ask a member of the Adrian Flux team to call you back.
If I can help with anything else, just shout!
Thanks
Kieran
Kieran Thomas
Founder - ChilliBongo
I`ve just been on the phone to Flux and spoke to a different person. A really friendly 19 year old bloke called Ed who knew EXACTLY what I was struggling with, unfortunately, the NVQ can`t be applied to the premium would be £2246.
Again, I asked about chillibongo but he said the young drivers scheme, which was what they were quoting via didn`t allow addition of discount from using the chillibongo. He said that once they are giving a quote, they have a list of discounts applicable to the policy and that wasn`t an option he could select.
matt is a full time student studying A Levels which they don`t class as particularly high risk. A full time job would be better from a risk point of view, but it didn`t load the policy too much.
He did agree at 18 it would be a little less, but not much. If I went to a company who offered a cheaper premium, but gave no NCD, ie a Classic Policy, I couldn`t then ring and say i`ve got a years driving experience and NCD, they would quote as if I was starting from scratch.
If you are able to offer advice on a broker or way I could use the system and gain a discount, i`d obviously be VERY interested.
Nige.
No problem - if you can leave it with me for a few hours I'll chat with the team first thing tomorrow for you and find out why you're getting told that.
If you're happy to email me your phone number (help@chillibongo.com) I'll either give you a call back as soon as I've spoken with them, and (if it turns out it's just a training issue,) I'll try to get a member of their team to call you back so that they can requote you.
TTFN
Kieran
If you're happy to email me your phone number (help@chillibongo.com) I'll either give you a call back as soon as I've spoken with them, and (if it turns out it's just a training issue,) I'll try to get a member of their team to call you back so that they can requote you.
TTFN
Kieran
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