Car insurance and car for 17 yr old
Discussion
Hi all
I'm sure this has been asked so many times before but now it's happening to me and I'm after a bit of advice
The time has come for my seventeen year old daughter to get her first car
Been looking at 1.0 litre cars, corsas, yaris's or micra's. So first question, which out of these three would be recommended or are there any others to consider within the £2000 budget?
Also been on the usual price comparison sites for insurance and all I can say is it's extortionate, anywhere else I should be looking?
I don't remember insurance being this bad when I started out many years ago
I'm sure this has been asked so many times before but now it's happening to me and I'm after a bit of advice
The time has come for my seventeen year old daughter to get her first car
Been looking at 1.0 litre cars, corsas, yaris's or micra's. So first question, which out of these three would be recommended or are there any others to consider within the £2000 budget?
Also been on the usual price comparison sites for insurance and all I can say is it's extortionate, anywhere else I should be looking?
I don't remember insurance being this bad when I started out many years ago
Out of the 3 I'd recommend the Yaris. My wife has had her 2003 for 4 years without a fault or MOT failure in that time. Routine maintenance and consumables is all that it's cost which is the same for any car. I suspect the Mirca would drive similarly, be just as reliable and cheap to run but IMO they are not as good looking as the Yaris. Personally, I'd steer clear of Corsas.
Can't help with insurance, sorry.
Can't help with insurance, sorry.
General consensus from dearly departed insurance expert was that the overwhelming majority of the cost of insurance for inexperienced drivers was the costs associated with the third parties. I never could work out why it would cost more to to repair a third party vehicle hit by, say, a Corsa as opposed to, say, a 206, but there you go.
Cars are rated by groups which take into account a whole range of things (supposedly). Google will find you an insurance group calculator, try searching that.
Anothet very important factor is your postcode. For my circumstances, a quiet part of Devon is around 1/10 the price of Moss Side. Fortunately, the former is where I actually live.
Buying as far in advance as possible saves money too, as does being married, having the 'right' job (MSE has a job calculator, it's only a few quid, but for the sake of typing different letters on your keyboard, you might as well have it) and owning your own home. Stick yourselves on the insurance too, but as additional drivers (no fronting allowed), that'll likely help.
They'll still pluck the prices out of their arse and it'll still be ruinously expensive, so prepare yourself.
Cars are rated by groups which take into account a whole range of things (supposedly). Google will find you an insurance group calculator, try searching that.
Anothet very important factor is your postcode. For my circumstances, a quiet part of Devon is around 1/10 the price of Moss Side. Fortunately, the former is where I actually live.
Buying as far in advance as possible saves money too, as does being married, having the 'right' job (MSE has a job calculator, it's only a few quid, but for the sake of typing different letters on your keyboard, you might as well have it) and owning your own home. Stick yourselves on the insurance too, but as additional drivers (no fronting allowed), that'll likely help.
They'll still pluck the prices out of their arse and it'll still be ruinously expensive, so prepare yourself.
Squishey said:
Out of the 3 I'd recommend the Yaris. My wife has had her 2003 for 4 years without a fault or MOT failure in that time. Routine maintenance and consumables is all that it's cost which is the same for any car. I suspect the Mirca would drive similarly, be just as reliable and cheap to run but IMO they are not as good looking as the Yaris. Personally, I'd steer clear of Corsas.
Can't help with insurance, sorry.
I think I'm leaning toward a Yaris too but I think she may have her heart set on a corsa, God knows why as she knows nothing about carsCan't help with insurance, sorry.
Is there any specific reason against a corsa? Worse on insurance?
I imagine they're a bit gutless, but is there any significant difference in "performance" in these small cars?
ferrariF50lover said:
General consensus from dearly departed insurance expert was that the overwhelming majority of the cost of insurance for inexperienced drivers was the costs associated with the third parties. I never could work out why it would cost more to to repair a third party vehicle hit by, say, a Corsa as opposed to, say, a 206, but there you go.
Cars are rated by groups which take into account a whole range of things (supposedly). Google will find you an insurance group calculator, try searching that.
Anothet very important factor is your postcode. For my circumstances, a quiet part of Devon is around 1/10 the price of Moss Side. Fortunately, the former is where I actually live.
Buying as far in advance as possible saves money too, as does being married, having the 'right' job (MSE has a job calculator, it's only a few quid, but for the sake of typing different letters on your keyboard, you might as well have it) and owning your own home. Stick yourselves on the insurance too, but as additional drivers (no fronting allowed), that'll likely help.
They'll still pluck the prices out of their arse and it'll still be ruinously expensive, so prepare yourself.
Ok thanks for that, I'll check out the insurance groupsCars are rated by groups which take into account a whole range of things (supposedly). Google will find you an insurance group calculator, try searching that.
Anothet very important factor is your postcode. For my circumstances, a quiet part of Devon is around 1/10 the price of Moss Side. Fortunately, the former is where I actually live.
Buying as far in advance as possible saves money too, as does being married, having the 'right' job (MSE has a job calculator, it's only a few quid, but for the sake of typing different letters on your keyboard, you might as well have it) and owning your own home. Stick yourselves on the insurance too, but as additional drivers (no fronting allowed), that'll likely help.
They'll still pluck the prices out of their arse and it'll still be ruinously expensive, so prepare yourself.
Postcode should be ok, village in Kent
She is only seventeen so not married and living at home
Didn't know putting myself on as named driver would help though, thanks
Keep trying different variations and I think you'll find the "cool" cars like Corsas are more expensive to insure as more kids drive them, hence more kids crash them.
I bought my daughter a 206 as of the cars on offer at the time it had decent Ncap rating.
Having driven some of her friends cars the Clios are as far better drive.
I also found that 1ltr or 1.4 made no difference to the quotes.
Adding me, her mum and Grandfather to the policy reduced it massively.
I bought my daughter a 206 as of the cars on offer at the time it had decent Ncap rating.
Having driven some of her friends cars the Clios are as far better drive.
I also found that 1ltr or 1.4 made no difference to the quotes.
Adding me, her mum and Grandfather to the policy reduced it massively.
ferrariF50lover said:
General consensus from dearly departed insurance expert was that the overwhelming majority of the cost of insurance for inexperienced drivers was the costs associated with the third parties. I never could work out why it would cost more to to repair a third party vehicle hit by, say, a Corsa as opposed to, say, a 206, but there you go.
.
Its more likely that a third part will be hit by someone driving a corsa than the 206 in your example..
Insurance is pure statistics.
V8RX7 said:
Keep trying different variations and I think you'll find the "cool" cars like Corsas are more expensive to insure as more kids drive them, hence more kids crash them.
I bought my daughter a 206 as of the cars on offer at the time it had decent Ncap rating.
Having driven some of her friends cars the Clios are as far better drive.
I also found that 1ltr or 1.4 made no difference to the quotes.
Adding me, her mum and Grandfather to the policy reduced it massively.
Thought that may be the case with corsasI bought my daughter a 206 as of the cars on offer at the time it had decent Ncap rating.
Having driven some of her friends cars the Clios are as far better drive.
I also found that 1ltr or 1.4 made no difference to the quotes.
Adding me, her mum and Grandfather to the policy reduced it massively.
That's surprising re. the engine size
OP, has your daughter passed her driving test yet? We got mine (also 17) a cracking 'learners' deal from Adrian Flux for around £500 ish, obviously will increase when she passes her test but does take the sting out a bit !
She has an 02 Corsa 1.0 (ebay £160 with a blown engine, put in a used one £120 + £50 new timing chain kit - job done, very smart little car). Couple of things if you go down the Corsa route - the 1.0 does have timing chain / seizure issues but this is mostly due to the small oil capacity (about 3 litres) & failure to keep it topped up ! Re insurance again, I did find there's a difference between the various Corsa 1.0 models (GLS, Life, Expression etc) - check before you buy.
Hope this helps
She has an 02 Corsa 1.0 (ebay £160 with a blown engine, put in a used one £120 + £50 new timing chain kit - job done, very smart little car). Couple of things if you go down the Corsa route - the 1.0 does have timing chain / seizure issues but this is mostly due to the small oil capacity (about 3 litres) & failure to keep it topped up ! Re insurance again, I did find there's a difference between the various Corsa 1.0 models (GLS, Life, Expression etc) - check before you buy.
Hope this helps
bomma220 said:
OP, has your daughter passed her driving test yet? We got mine (also 17) a cracking 'learners' deal from Adrian Flux for around £500 ish, obviously will increase when she passes her test but does take the sting out a bit !
She has an 02 Corsa 1.0 (ebay £160 with a blown engine, put in a used one £120 + £50 new timing chain kit - job done, very smart little car). Couple of things if you go down the Corsa route - the 1.0 does have timing chain / seizure issues but this is mostly due to the small oil capacity (about 3 litres) & failure to keep it topped up ! Re insurance again, I did find there's a difference between the various Corsa 1.0 models (GLS, Life, Expression etc) - check before you buy.
Hope this helps
She has her 2nd test tomorrow lol only just failed first time roundShe has an 02 Corsa 1.0 (ebay £160 with a blown engine, put in a used one £120 + £50 new timing chain kit - job done, very smart little car). Couple of things if you go down the Corsa route - the 1.0 does have timing chain / seizure issues but this is mostly due to the small oil capacity (about 3 litres) & failure to keep it topped up ! Re insurance again, I did find there's a difference between the various Corsa 1.0 models (GLS, Life, Expression etc) - check before you buy.
Hope this helps
But is very keen to get a car very soon as soon as she's passed as she's got some money saved and its burning a hole in her pocket
Thanks on info on corsas
Another vote for the Yaris. My daughter spent her first few years of driving trundling around in one. For their age they have a reasonable NCAP rating and there's always the comfort that you'll know it will start in the morning. A plus point compared with its contemporaries came from rear seat passengers. They were always complimentary of its legroom when compared with the usual Corsa/Clio etc.
We are in a respectable postcode and she stuck her mother down as a named driver. Once she had passed her test it was about £1200 FC for the first year's insurance.
We are in a respectable postcode and she stuck her mother down as a named driver. Once she had passed her test it was about £1200 FC for the first year's insurance.
Impasse said:
Another vote for the Yaris. My daughter spent her first few years of driving trundling around in one. For their age they have a reasonable NCAP rating and there's always the comfort that you'll know it will start in the morning. A plus point compared with its contemporaries came from rear seat passengers. They were always complimentary of its legroom when compared with the usual Corsa/Clio etc.
We are in a respectable postcode and she stuck her mother down as a named driver. Once she had passed her test it was about £1200 FC for the first year's insurance.
Good points on the Yaris, but she's still coming up at £1500 with both myself and her mother on as named drivers (it didn't change much putting us on) on a 1.0 litre corsa or Yaris, I suppose that's going to be the going rate, guess we'll just have to suck it up, extortion!We are in a respectable postcode and she stuck her mother down as a named driver. Once she had passed her test it was about £1200 FC for the first year's insurance.
EazyDuz said:
With regards to lower insurance, you can:
Have her as a named driver. You risk her ruining your NCB though
This is not an option lol
Have her as the policy holder with you as a named driver, this can drop £100 or so
Check Aviva, by far the cheapest for me compared to any on comparison sites
Aviva? I'll have a lookHave her as a named driver. You risk her ruining your NCB though
This is not an option lol
Have her as the policy holder with you as a named driver, this can drop £100 or so
Check Aviva, by far the cheapest for me compared to any on comparison sites
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