Son Passed Test - Car Suggestions - Insurance Related
Discussion
I am just about to buy my soon to be 17 year old a car. I looked at loads of different cars and checked insurance and came to the following conclusions:
1. Nothing is cheaper than a Skoda fabia 1.2 for insurance. And its basically a VW under the shell
2. Insurers will ask you to pull down your pants and lube up if you choose a Saxo/Corsa/Fiesta or similar
3. VW's of any kind are almost double the cost to insure vs the Skoda equivalent
4. Some classics are cheap to insure e.g. Classic Mini
5. 'So when can I borrow the Jag/TVR dad' gives me a coughing fit - and then I hide the keys.
1. Nothing is cheaper than a Skoda fabia 1.2 for insurance. And its basically a VW under the shell
2. Insurers will ask you to pull down your pants and lube up if you choose a Saxo/Corsa/Fiesta or similar
3. VW's of any kind are almost double the cost to insure vs the Skoda equivalent
4. Some classics are cheap to insure e.g. Classic Mini
5. 'So when can I borrow the Jag/TVR dad' gives me a coughing fit - and then I hide the keys.
Bubble shaped Micra or Punto, both very reliable and both very cheap to insure.
If you're not paranoid about Big Brother look at one of the monitored insurance companies like iKube, my lad has just completed 2 years with them and is now down to £600 a year fully comp and the driving tracker has just been switched off. Started at £1700 which was half what we were quoted by the conventional insurers at the time.
If you're not paranoid about Big Brother look at one of the monitored insurance companies like iKube, my lad has just completed 2 years with them and is now down to £600 a year fully comp and the driving tracker has just been switched off. Started at £1700 which was half what we were quoted by the conventional insurers at the time.
£1700 quid a year for insurance, with interest thats over £140 quid a month, then there's the purchase price, maintenance, MOT etc.
It might be worth his while to look at some of the new car deals with free insurance such as below. It's a new Corsa for a small deposit, £159 per month and includes insurance
http://www.lookers.co.uk/vauxhall/offers/new-car-o...
It might be worth his while to look at some of the new car deals with free insurance such as below. It's a new Corsa for a small deposit, £159 per month and includes insurance
http://www.lookers.co.uk/vauxhall/offers/new-car-o...
Pick a car thats not likely to be driven by todays 17-20 year old - I had a MG ZR105 and paid £1200 at 19/20 - this was in 2008.
Best bet it to wait until you are 21 in all honesty, few of the lads i know who are younger drive defenders / disco's but they are farmers so probably get some sort of discount.
Also ensure you put both yourself and wife/gf/his mum on the insurance as i put my mum and dad on which reduced it by a few hundred pound, you will probably find comprehensive is cheaper than TPF&T too.
Best bet it to wait until you are 21 in all honesty, few of the lads i know who are younger drive defenders / disco's but they are farmers so probably get some sort of discount.
Also ensure you put both yourself and wife/gf/his mum on the insurance as i put my mum and dad on which reduced it by a few hundred pound, you will probably find comprehensive is cheaper than TPF&T too.
Edited by Trexthedinosaur on Wednesday 24th September 12:50
Terzo123 said:
£1700 quid a year for insurance, with interest thats over £140 quid a month, then there's the purchase price, maintenance, MOT etc.
It might be worth his while to look at some of the new car deals with free insurance such as below. It's a new Corsa for a small deposit, £159 per month and includes insurance
http://www.lookers.co.uk/vauxhall/offers/new-car-o...
Normal rules for these are to be 21 and over I believe?It might be worth his while to look at some of the new car deals with free insurance such as below. It's a new Corsa for a small deposit, £159 per month and includes insurance
http://www.lookers.co.uk/vauxhall/offers/new-car-o...
bobfett said:
Nope, £99 insurance and telematics box for 18-20.
Good spot!Website said:
Insurance offer terms and conditions
‡Participating retailers only. First year insurance offer available on new Corsa Excite and Limited Edition models only. All drivers must have held a valid full UK licence for a minimum of 1 year . All policies are underwritten by Ageas Insurance Ltd. Other insurance specific terms and conditions apply.
^Drivers aged 18-20 will make a contribution of £99 to their premium and must agree to the fitting of a telematics box to the car: every 3 months your policy will be reviewed and if you drive well, we will return part of this to you. The policy may be cancelled for consistently poor driving. Only available through ingenie.
But he has only just passed test according to OP so this offer is a no go for him.‡Participating retailers only. First year insurance offer available on new Corsa Excite and Limited Edition models only. All drivers must have held a valid full UK licence for a minimum of 1 year . All policies are underwritten by Ageas Insurance Ltd. Other insurance specific terms and conditions apply.
^Drivers aged 18-20 will make a contribution of £99 to their premium and must agree to the fitting of a telematics box to the car: every 3 months your policy will be reviewed and if you drive well, we will return part of this to you. The policy may be cancelled for consistently poor driving. Only available through ingenie.
- The offer will cover the full premium for drivers aged between 21-75 (motor policy only). Only available through Vauxhall Insurance. This offer is valid for orders or registrations between 2 July and 1 October 2014.
Edited by mikeyr on Wednesday 24th September 15:53
Impasse said:
I'll just trot out my usual response to these threads, too. Toyota Yaris 1.0 VVTi. (Winter tyres are cheap for them) It's not a catch-all panacea for inexpensive insurance costs for young people, but it's a good start.
I would second this. My daughter's first year insurance was £1500 with a tracker box fitted. It dropped down to £600 in year 2.cheapest insurance quotes my brother has been getting is for a fiat panda. can pick them up at a sensible price and theyre not a bad little motor.
some of the bigger bike insurance companies do a "6 wheel policy". may also be worth asking insurance wether they accept bike no claims, in my eyes ncd is ncd regardless.
some of the bigger bike insurance companies do a "6 wheel policy". may also be worth asking insurance wether they accept bike no claims, in my eyes ncd is ncd regardless.
mikeyr said:
bobfett said:
Nope, £99 insurance and telematics box for 18-20.
Good spot!Website said:
Insurance offer terms and conditions
‡Participating retailers only. First year insurance offer available on new Corsa Excite and Limited Edition models only. All drivers must have held a valid full UK licence for a minimum of 1 year . All policies are underwritten by Ageas Insurance Ltd. Other insurance specific terms and conditions apply.
^Drivers aged 18-20 will make a contribution of £99 to their premium and must agree to the fitting of a telematics box to the car: every 3 months your policy will be reviewed and if you drive well, we will return part of this to you. The policy may be cancelled for consistently poor driving. Only available through ingenie.
But he has only just passed test according to OP so this offer is a no go for him.‡Participating retailers only. First year insurance offer available on new Corsa Excite and Limited Edition models only. All drivers must have held a valid full UK licence for a minimum of 1 year . All policies are underwritten by Ageas Insurance Ltd. Other insurance specific terms and conditions apply.
^Drivers aged 18-20 will make a contribution of £99 to their premium and must agree to the fitting of a telematics box to the car: every 3 months your policy will be reviewed and if you drive well, we will return part of this to you. The policy may be cancelled for consistently poor driving. Only available through ingenie.
- The offer will cover the full premium for drivers aged between 21-75 (motor policy only). Only available through Vauxhall Insurance. This offer is valid for orders or registrations between 2 July and 1 October 2014.
Edited by mikeyr on Wednesday 24th September 15:53
I still think you'll struggle to beat an utterly base spec panda; loads about, dead simple to work on, galvanised body, plenty of space, very low insurance group, cheap etc etc.
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