Insurance for a 17 year old, just passed his test. £4,000+

[anonymous-user]

Devil2575 said:

Except that our infrastructure has been built up around people owning cars. In many place public transport is simply not an option and managing without a car is very difficult.

You can't create a situation where people effectively need to drive then tell then it's not a right it's a privilage. That is simply unacceptable.

I'm not wholly sure I buy the can't manage without a car thing.

I know one bloke who is now retired who never drove a car in his life and had a very successful career as an engineer for companies all over the country, raised a family and all that sort of thing. All without a car.

I work with a couple of people who are now in their 30's and can't drive and they don't seem to have an issue.

if you can't drive then you move somewhere where you can either walk or get public transport to work and the amenities.

I couldn't find suitable employment in my home town so I happily moved away to where the work is. Same principle really.

The UK wasn't built around the motor car, it was built around people and horses. As a consequence our towns and cities are quite often usable for walkers and cyclists.

Had we have been talking about the USA, then yes I would have agreed and said that the infrastructure was built around the car and it was massively impractical to walk or cycle anywhere.

I do concede however, that yes, having a car makes life easier for the most part for those that can drive.

[Quinnaay]

cptsideways said:

What i find incredible is the insurers are edging kids into the crappiest most dangerous of cars for new drivers. Most of the cars are too old & basic to have ESP, ABS & even airbags.


The stats are quite frightening, mind you has anybody ever sat alongside many new drivers, you can see why!!!

I can only imagine you were the same.

[Lanxx]

Trial Admiral, Elephant or Bell's online quote system.

I am insured on a Clio 1.2, took it out when I was 18 for £1400 a year TPFT. Female named drivers will bring it down (usually) and males will make it go up (usually).

Postcode makes a massive difference.

I also got some more reasonable quotes on an old 1.0 Polo (circa 1991).

I don't know if Footman James still take under 21's on their classic policies, but I got a quote with them for a 1000cc Austin Mini for £750 a year TPFT when I was 17 (under 2 years ago). I decided not to do this, but it was at least of half any other quote I got at the time.

[Wh00sher]

Lanxx said:

Trial Admiral, Elephant or Bell's online quote system.

I am insured on a Clio 1.2, took it out when I was 18 for £1400 a year TPFT. Female named drivers will bring it down (usually) and males will make it go up (usually).

Postcode makes a massive difference.

I also got some more reasonable quotes on an old 1.0 Polo (circa 1991).

I don't know if Footman James still take under 21's on their classic policies, but I got a quote with them for a 1000cc Austin Mini for £750 a year TPFT when I was 17 (under 2 years ago). I decided not to do this, but it was at least of half any other quote I got at the time.

The ones I tried didn`t

Wh00sher said:

I then rang some Classic insurance Brokers, they only insure drivers over 21.

For info, my postcode is WF14.

We have limited the mileage when getting quotes, increased the Excess (although over £500 it makes ahardly any difference to the policy).

For those who say "get the bus, or don`t drive", yeah, of course he could do that, but aren`t we all petrol heads on here ? It is called PistonHeads after all !! Of course he COULD wait until he was 21 and get a taxi / bus in the meantime, but he doesn`t WANT to, he would LIKE to own his own car. The problem is the £4,000+ quotes make that an unaffordable luxury for him at the moment.

I`ll give the suggestions in the thread a try tonight and post back tomorrow.

Nige.

[Raize]

Lanxx said:

I don't know if Footman James still take under 21's on their classic policies, but I got a quote with them for a 1000cc Austin Mini for £750 a year TPFT when I was 17 (under 2 years ago). I decided not to do this, but it was at least of half any other quote I got at the time.

They don't.

[Raize]

Wh00sher said:

For those who say "get the bus, or don`t drive", yeah, of course he could do that, but aren`t we all petrol heads on here ? It is called PistonHeads after all !! Of course he COULD wait until he was 21 and get a taxi / bus in the meantime, but he doesn`t WANT to, he would LIKE to own his own car. The problem is the £4,000+ quotes make that an unaffordable luxury for him at the moment.

If he was a real petrolhead he'd already have had a car for a few years and built up "ownership time bonus"... £1050 to insure Porsche 924 that I got as project for 16th birthday and I'm 19 :smug:

[S2Mike]

There was a difference of a few hundred pounds if my lad used my postcode CV37 ( out in the countryside rather than his at his mums B49 near Birmingham, they are gonna move but obviously can only use a postcode at the address where the car is kept.

[VTECBOY]

If i had asked for a car to restore at 16 my parents would have laughed at me.

[Lanxx]

Wh00sher said:

For info, my postcode is WF14.

We have limited the mileage when getting quotes, increased the Excess (although over £500 it makes ahardly any difference to the policy).

For those who say "get the bus, or don`t drive", yeah, of course he could do that, but aren`t we all petrol heads on here ? It is called PistonHeads after all !! Of course he COULD wait until he was 21 and get a taxi / bus in the meantime, but he doesn`t WANT to, he would LIKE to own his own car. The problem is the £4,000+ quotes make that an unaffordable luxury for him at the moment.

I`ll give the suggestions in the thread a try tonight and post back tomorrow.

Nige.

It does suck, I was effectively unable to get my first car until I got a full-time job. Keep on trying, but the three companies I listed were by far the cheapest when I got my insurance (but only the online quote you get directly through their site, as they give a 10 or 20% online discount I think).

Good luck

[Raize]

SABRE insurance is stty (look at reviews) but generally cheap

[jamesedwards]

I'm 18 and looking for insurance. I was getting quotes similar to that of OP's son. Asked about a bit and found Admiral multicar was the best with a few modifications to the policy. TPFT with high-ish excess, car parked on street and with two adults, both with very high NCB, as occasional drivers and myself as major. Also waiting 6 months+ after passing will drop the quote considerably (worth waiting for - longer the better). Generally now most my quotes come out about the same being the car a polo, corsa whatever within being reasonable 1.0 to 1.4 mark. All about just over £2000. Austin Mini brought it lower than £1900 but the cost to buy one makes the overall cost higher anyway.

Personally I think there a few reasons for excessive pricing on young driver. One being prices have risen so much in recent years less young drivers are taking out insurance meaning in order to meet profit margins higher prices must be given to the ones who are willing to pay, creating a cycle of it always slowly increasing. This also means the ones who are paying are more paranoid about crashing/causing an accident and thus drive more safely and reduce the payouts from the insurer anyway.

[SystemParanoia]

doesnt explain what the gps tracking makes NO positive difference whatsoever!

[Negative Creep]

cptsideways said:

What i find incredible is the insurers are edging kids into the crappiest most dangerous of cars for new drivers. Most of the cars are too old & basic to have ESP, ABS & even airbags.


The stats are quite frightening, mind you has anybody ever sat alongside many new drivers, you can see why!!!

Just because a car doesn't have driver aids does not automatically make it unsafe. My car has none of the above, yet the visibility is vastly superior to the vast majority of modern cars. Mechanical everything and a comparative lack of sound deadening means you're more aware of if you're pushing it anywhere near the limit

[jamesedwards]

Might depend on your circumstance for that particular company, that they have already provided you with the cheapest quote they can before the box is applied to the policy.
There's been enough advice given here for you to make an informed decision and get the cheapest quote you can in one sitting. If not, then you're doing it wrong I'm afraid.

[Baron Greenback]

ouch £4k insruance not supprised! Ever thought of going classic car! Ok more machanical work need to be done on the car but parts are cheap and alot of the work you can do yourself which is a good thing as you wont want to crash the car!

http://www.pistonheads.com/gassing/topic.asp?h=0&a...

Love the thread on this guy 1st car! Ok he does sound switched on the mechanics side!

[GG89]

£4k fking hell that is ridiculous. I'm 23 and still paying circa 1k to insure a MINI cooper, there is no cheap way around it just need to bite the bullet or forget it and do without. What kind of prices are the rip off insurance companies going to be charging new drivers in 10 years time? I honestly dread to think.

[SystemParanoia]

jamesedwards said:

Might depend on your circumstance for that particular company, that they have already provided you with the cheapest quote they can before the box is applied to the policy.
There's been enough advice given here for you to make an informed decision and get the cheapest quote you can in one sitting. If not, then you're doing it wrong I'm afraid.

nope i selected the box to say yes ill have it, i also said i never drive between 7pm and 6am and i never have passengers in the car.

still stupidly high quotes on my fictional 17yr old

[SystemParanoia]

i just remembered.

admiral group allow users to freeze/pause their policys.

so you can take out a policy on any random low group car you can find a picture of on the internet.

then next day freeze the policy.

this freezes all repayments and basically allows you to skip through to the end of the policy.

the day before your policy expires, unfreeze the policy and pay whats due.

this cost will be low, as you will only pay for 4 days cover, but still get the years NCD as the policy was active for the whole time abiet paused.

[GG89]

SystemParanoia said:

i just remembered.

admiral group allow users to freeze/pause their policys.

so you can take out a policy on any random low group car you can find a picture of on the internet.

then next day freeze the policy.

this freezes all repayments and basically allows you to skip through to the end of the policy.

the day before your policy expires, unfreeze the policy and pay whats due.

this cost will be low, as you will only pay for 4 days cover, but still get the years NCD as the policy was active for the whole time abiet paused.

Really?

[SystemParanoia]

yup


still takes a year tho..

and if you forget to unfreeze it, you have to pay admin and cancellation fees for the policy as of the date of freezing.. so no NCD