Insurance for a 17 year old, just passed his test. £4,000+
Discussion
Okay... found a Fiat Panda 750.
Managed to get a quote of £3,600.
Still at 17 years old, but with a test pass 6 months old, that comes down to £3,100.
If the car was bought in 2011, the quote comes down to £2,600 - still with the same date of birth.
Adding a grandmother to the quote was cheaper than adding a father, but maybe that's down to age.
So I'd get this bought now ... and keep it for six months on SORN before recommissioning and getting insurance in January. When will he be 18?
http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&am...
ETA: £2,000 for the same details - six month old test, car bought in 2011, for someone the day after his 18th birthday.
Managed to get a quote of £3,600.
Still at 17 years old, but with a test pass 6 months old, that comes down to £3,100.
If the car was bought in 2011, the quote comes down to £2,600 - still with the same date of birth.
Adding a grandmother to the quote was cheaper than adding a father, but maybe that's down to age.
So I'd get this bought now ... and keep it for six months on SORN before recommissioning and getting insurance in January. When will he be 18?
http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&am...
ETA: £2,000 for the same details - six month old test, car bought in 2011, for someone the day after his 18th birthday.
Edited by CYMR0 on Monday 30th July 11:05
My insurance when I passed (Dec '11) was £2300 on my Rover in a category A postcode. I just ran a quote again, saying I'd just passed etc, and it was £1700 on the website this time, without phoning (£2300 was after a lengthy discussion on the phone) from the same company (Admiral). My tips are:
Use the Auto Trader comparison site - every time I used it it was noticeably cheaper than the other websites, even from the same insurers.
You and your wife on as named drivers (my mum in particular dropped mine).
Limited mileage (I didn't, because it didn't make it that much cheaper, but it might for you/your son).
Buy a Rover
Use the Auto Trader comparison site - every time I used it it was noticeably cheaper than the other websites, even from the same insurers.
You and your wife on as named drivers (my mum in particular dropped mine).
Limited mileage (I didn't, because it didn't make it that much cheaper, but it might for you/your son).
Buy a Rover
Pints said:
Third-party covered by road licence tax (or whatever the hell it's called these days) and you can get fire, theft or comprehensive cover if you want.
Something similar is done in Australia, SA, et al. and it works quite well.
Honestly it doesn't work well.Something similar is done in Australia, SA, et al. and it works quite well.
There's a chap in biker banter who sat down and basically lectured me on why I was an idiot for thinking that as well as justifying my other insurance related gripes.
It really is just ridiculous claims that have led us where we are. If the government would take a line against "whiplash claims", as the insurance industry have been asking them to for years, we'd all be quids in. Insurance companies make a loss and are simply trying to catch up using the data at their disposal.
My alternative is to treat insurance as a form of taxation and dissolve it as a commercial enterprise... But that carries its own significant risks, and you'd have to trust the government to manage another aspect of what would effectively be taxation.
Jesus. Every avenue that used to get cheaper insurance really seems to have closed up. When I was 18 I chopped in my bottom of the range 1.0 Corsa for a 2.2 DTi Vectra C SRi and the insurance dropped by about £500 to £1200. Couldn't work out for the life of me why but wasn't going to complain.
ETA that was only 2 years ago!
ETA that was only 2 years ago!
BorkFactor said:
matthias73 said:
Realistically the only viable option for my first year was to be a named driver. By the end of that year I was driving the car much more than my mum, so I had a look at renewal time and it was cheaper to have it on my own insurance.
Really? When I was 17 (3 years ago) I stupidly insured myself as a named driver on the Astra, no knowing that my Mum's NCD wouldn't be applied to the policy. Once that was amended, it worked out exactly the same as it would have if I had just gone on my own policy. And I didn't get a years NCD
I was declared as the main driver of the car though, so I believe that is not fronting?
But however you do it, the first year is going to be a hit, especially if 17-18.
I know of a few who have land rovers insured for next to nothing of farmers policies, mind.
Prof Prolapse said:
It really is just ridiculous claims that have led us where we are. If the government would take a line against "whiplash claims", as the insurance industry have been asking them to for years, we'd all be quids in. Insurance companies make a loss and are simply trying to catch up using the data at their disposal.
I don't think it's that - insurance was a (relatively) huge amount when I got my first car 30 years ago.Yound lads just do seem to have stupid amounts of crashes. Good as gold son of some friends ours has writen off two of his Mums cars in a few months, both times on roundabouts while only doing 15MPH =- "it was the rain".
With 'free' 3rd party insurance these invincible young lads would be charging around everywhere and I honestly think there would be utter carnage, made even worse if they were able to equip themselves with larger sized vehicles.
Pints said:
SystemParanoia said:
alfabadass said:
There's only one thing for it.
Insurance should not be required by law.
That'll shake things up a bit!
LOL!Insurance should not be required by law.
That'll shake things up a bit!
every industry where insurance is completely optional.. cycling for instance, the prices are low low low and very competitive
when they have a stranglehold monopoly the prices goto the mental levels they are now
Something similar is done in Australia, SA, et al. and it works quite well.
Tony Starks said:
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.
Some parts of Canada have risk-priced insurance (like ours). Others have blanket state insurance. The risk priced areas have safer roads.Hammy13 said:
Mike Oxbig said:
People who have just passed their test, don't deserve cheap insurance.... Statistics back me up on this point of view
I appreciate that, but 4000 on a 900 quid car? Taking advantage a little bit don't you think?
k the young people" its purely statistically calculated. It has to be otherwise its prejudice.Or are you suggesting we all split the bill?
truly shocking premiums
Insurers should get together with the DSA and work out a test they would be happy with..
so what if you need a year to learn how to drive, at least you will be safer, less of a risk and legal.
sorry to anyone under 25 trying to get insured.
I didnt pass my test until i was 26, first car was a 205 1.9GTi - premium was £900 a year, that was in 1998
Sorry to anyone under 25 trying to get insured.
Insurers should get together with the DSA and work out a test they would be happy with..
so what if you need a year to learn how to drive, at least you will be safer, less of a risk and legal.
sorry to anyone under 25 trying to get insured.
I didnt pass my test until i was 26, first car was a 205 1.9GTi - premium was £900 a year, that was in 1998
Sorry to anyone under 25 trying to get insured.
Hammy13 said:
Mike Oxbig said:
People who have just passed their test, don't deserve cheap insurance.... Statistics back me up on this point of view
I appreciate that, but 4000 on a 900 quid car? Taking advantage a little bit don't you think?otolith said:
Pints said:
SystemParanoia said:
alfabadass said:
There's only one thing for it.
Insurance should not be required by law.
That'll shake things up a bit!
LOL!Insurance should not be required by law.
That'll shake things up a bit!
every industry where insurance is completely optional.. cycling for instance, the prices are low low low and very competitive
when they have a stranglehold monopoly the prices goto the mental levels they are now
Something similar is done in Australia, SA, et al. and it works quite well.
Tony Starks said:
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.
Some parts of Canada have risk-priced insurance (like ours). Others have blanket state insurance. The risk priced areas have safer roads.Wh00sher said:
A motorbike / scooter is not an option.
Just out of interest, why are two wheels not an option?I can honestly understand why 17/18 year olds are returning back to scooters and 50cc bikes these days as the cost difference between two wheels and four is massive.
50cc machines these days are extremely reliable and will do the thick end of 100mpg, combine that with cheap insurance and next to nothing road tax and repair bills.
The weather is of course an issue though.
FarQue said:
But you're insuring against what sort of damage a youngster in a £900 car can do. My step son is now 20 and drives a '55 plate Corsa. Had two fault accidents in his first two years of driving. Now pays £2000 in BB1 post code area.
Compared to the sort of prices being bandied around, that's surprisingly cheap with his record and postcode.otolith said:
SystemParanoia said:
of course the roads are going to be safe if nobody can afford to drive their car.. the streets are all bloody empty!
Yes, that is part of the explanation - the highest risk drivers get priced off the roads. Is that a bad thing?
only the financially challenged poor drivers get priced off the road..
the ones that act like a
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