Insurance for a 17 year old, just passed his test. £4,000+
Discussion
Apologies if this has been discussed already, I couldn`t find a thread.
Before we start, I KNOW teennage boys are the highest risk group out there, thats why he`s struggling for insurance and why I`m asking for help here
My son recently passed his test and is looking for his first car... we tried the usual `low group` cars first.
Low Miles, Adding me as a driver puts the premium UP. This is using a comparison site.
£4,546
£4,662
£4,314
£4,366
We then tried something a little different..
£6964.
£6,846
Ah, but what about Swinton, they run a young drivers policy. £12,000 for a Group 1 car. Maybe not..
I then rang some Classic insurance Brokers, they only insure drivers over 21.
The only choice seemed to be one of the Black Box GPS systems, as a parent that actually appealed, having something keeping an eye on him didn`t seem like a bad thing. He rang whilst learning and they quoted £1,600 as a provisional driver. He rang the day he passed his test and the cheapest premium was £5,100.
The issue (which is NOT clear on their website or in dealing with them) is that your provisional quote doesn`t increase once you have passed your test. This is the crucial part, you MUST be insured with them as a provisional driver, then, once you pass your premium will not increase. If you ring up after passing to try and get insurance, as we did, you`ll find premiums difficulty getting a quote, or if you do, they come in at over £5,000 as we found. Very disappointing and something that was NOT clearly explained in the conversations whilst he was a provisional driver. If it had been, we`d have insured him with them from the start and he would now be enjoying driving for the same premium, instead of being unable to find any affordable insurance, which is where we find ourselves now.
On the comparison site, I changed his sex from M to F, NOTHING else and the premium dropped from £4,300 to £1,200. As a sex change is something he`d rather not do, that doesn`t help, but it confirmed it isn`t the postcode thats the issue (I thought not as my own premiums are very competitive).
We can`t be the only ones in this situation ! Has anyone found a solution, something to bring insurance down to a `sensible` sub £2k level for new, 17 year old drivers ?
Before we start, I KNOW teennage boys are the highest risk group out there, thats why he`s struggling for insurance and why I`m asking for help here
My son recently passed his test and is looking for his first car... we tried the usual `low group` cars first.
Low Miles, Adding me as a driver puts the premium UP. This is using a comparison site.
£4,546
£4,662
£4,314
£4,366
We then tried something a little different..
£6964.
£6,846
Ah, but what about Swinton, they run a young drivers policy. £12,000 for a Group 1 car. Maybe not..
I then rang some Classic insurance Brokers, they only insure drivers over 21.
The only choice seemed to be one of the Black Box GPS systems, as a parent that actually appealed, having something keeping an eye on him didn`t seem like a bad thing. He rang whilst learning and they quoted £1,600 as a provisional driver. He rang the day he passed his test and the cheapest premium was £5,100.
The issue (which is NOT clear on their website or in dealing with them) is that your provisional quote doesn`t increase once you have passed your test. This is the crucial part, you MUST be insured with them as a provisional driver, then, once you pass your premium will not increase. If you ring up after passing to try and get insurance, as we did, you`ll find premiums difficulty getting a quote, or if you do, they come in at over £5,000 as we found. Very disappointing and something that was NOT clearly explained in the conversations whilst he was a provisional driver. If it had been, we`d have insured him with them from the start and he would now be enjoying driving for the same premium, instead of being unable to find any affordable insurance, which is where we find ourselves now. On the comparison site, I changed his sex from M to F, NOTHING else and the premium dropped from £4,300 to £1,200. As a sex change is something he`d rather not do, that doesn`t help, but it confirmed it isn`t the postcode thats the issue (I thought not as my own premiums are very competitive).
We can`t be the only ones in this situation ! Has anyone found a solution, something to bring insurance down to a `sensible` sub £2k level for new, 17 year old drivers ?
- Which Insurance band is your postcode? Bad areas=high policies. http://www.motorcarinsuranceuk.co.uk/post-code-rat...
- Which "comparison" website are you using? Are you aware that mostly they offer policies from only the insurers that own them? http://www.adrianflux.co.uk/blog/2007/08/who-owns-...
- Wait until next year as that's when gender equality in insurance kicks in. http://www.moneysavingexpert.com/news/insurance/20...
They are fully comp, 3rd party was usually more. All his mates have been added onto their parents insurance, something I am very reluctant to do. Admiral offer a policy where he can supposedly earn NCD on my policy, but the premium wasn`t competitive enough to even consider it.
I`ve tried every comparison site going, as I mentioned, it isn`t the postcode thats the issue, I tried with an `A` band and it was only a few hundred pounds less.
I know he can wait until next year, but he doesn`t want to. He has been saving for his first car for years and was really looking forward to getting one. Like most on PH, he`s a car enthusiast and watching from the passenger seat isn`t his first choice.
I`ve tried every comparison site going, as I mentioned, it isn`t the postcode thats the issue, I tried with an `A` band and it was only a few hundred pounds less.
I know he can wait until next year, but he doesn`t want to. He has been saving for his first car for years and was really looking forward to getting one. Like most on PH, he`s a car enthusiast and watching from the passenger seat isn`t his first choice.
I feel so sorry for youngsters having to pay these criminal premiums. The industry needs a shake-up.
E.g. Serious extra training for new drivers, including attitude, and lower premiums as a result. Sort out the whiplash claim industry.
E.g. Serious extra training for new drivers, including attitude, and lower premiums as a result. Sort out the whiplash claim industry.
Edited by RegMolehusband on Monday 30th July 08:38
LEI LEI LEI like your life depends on it.
take on the policy claiming he's on provisional.. then claim he's passed a week later, keeping the lower premium.
if i did everything 100% truthful for my mrs, wed be paying over £2000 for insurance on a 1.0 suzuki swift.
lies, truth bending and a little deception gets in down to £900
thieving f
kers
take on the policy claiming he's on provisional.. then claim he's passed a week later, keeping the lower premium.
if i did everything 100% truthful for my mrs, wed be paying over £2000 for insurance on a 1.0 suzuki swift.
lies, truth bending and a little deception gets in down to £900
thieving f
kersSystemParanoia said:
LEI LEI LEI like your life depends on it.
take on the policy claiming he's on provisional.. then claim he's passed a week later, keeping the lower premium.
if i did everything 100% truthful for my mrs, wed be paying over £2000 for insurance on a 1.0 suzuki swift.
lies, truth bending and a little deception gets in down to £900
thieving fkers
take on the policy claiming he's on provisional.. then claim he's passed a week later, keeping the lower premium.
if i did everything 100% truthful for my mrs, wed be paying over £2000 for insurance on a 1.0 suzuki swift.
lies, truth bending and a little deception gets in down to £900
thieving f
kers
Get back under your bridge, quickly before Soovy appears 
try elephant website, and admiral. Put your wife as additional driver. That may be your best bet.
Don't lie to your insurance company. The above posted was either pissed, or joking, or stupid. Assume you are on board with this as you don't want to put him as a named driver on a policy in your name for his car.
Don't lie to your insurance company. The above posted was either pissed, or joking, or stupid. Assume you are on board with this as you don't want to put him as a named driver on a policy in your name for his car.
and I thought 700 quid 3rd party when I passed my test for a 1.3 Mk 3 Escort was bad, though that was 16 years ago lol.
I do feel sorry for youngsters trying to drive in the UK, at least though he has to by law have insurance.
Here in New zealand insurance is voluntary and the amount of young kids (they can drive at 15 here) driving Skylines, Cefiros or any Jap car with a turbo is is terrible and half of them dont bother to get NZ equivilant MOTs and Road tax and quite often end up in ditches or lampposts as they've tried to run from the police.
Compulsory Insurance is one thing I do miss from back home.
I do feel sorry for youngsters trying to drive in the UK, at least though he has to by law have insurance.
Here in New zealand insurance is voluntary and the amount of young kids (they can drive at 15 here) driving Skylines, Cefiros or any Jap car with a turbo is is terrible and half of them dont bother to get NZ equivilant MOTs and Road tax and quite often end up in ditches or lampposts as they've tried to run from the police.
Compulsory Insurance is one thing I do miss from back home.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff