Young Driver's Insurance - Cheap Quote Shocker!

[98elise]

TheFinners said:

That is incredibly good! I paid £1300 on a 2004 1.4 Fiesta as a male student with no ncb, b rated area, both parents as named drivers etc and with a box as it was £1800 without one.

I'm getting similar quotes for our 1.4 fiesta which will be passed to our son as his first car. I thought that was very reasonable given what a lot of people pay.

[98elise]

Grumpy old git said:

A

towser44 said:

Makes no sense at all to me. For only £50 more than I pay for my insurance (33 years old, full licence for 16 years, 8 years no claims (didn't have a car for a few years as just had a motorbike, but again claim free), no convictions, you can insure someone who has no driving experience whatsoever, has held a provisional for an entire month and to be honest from the vast number of journeys with her a passenger has no concept of driving at all and admits it would purely be to make life easier. Don't forget, it's £330 on a provisional licence, so she'll be supervised when driving until she passes. How much less would it have been if she had just passed the test and got the licence, but still lacking experience, any no claims bonus etc etc.

I think you'll find it'll be more expensive when she has a full licence, what's making it cheap now is the fact she'll be supervised.

Agreed. The learner is at the wheel, but you have an experienced driver sitting beside them. The biggest risk is when they go out a lone fully "qualified".

[DaveH23]

Is it actually garaged? For the past 5 or 6 years I have found street parking to be between £50 - £100 cheaper.

Makes sense really as gone are the days where cars are jump started during thefts, they take the keys.
(Unless its a BMW then they make their own)

If the car is on the road and not on the drive/garage then what house are the keys in?

Would definately run the quote through OP.

[GreatGranny]

DaveH23 said:

Is it actually garaged? For the past 5 or 6 years I have found street parking to be between £50 - £100 cheaper.

Makes sense really as gone are the days where cars are jump started during thefts, they take the keys.
(Unless its a BMW then they make their own)

If the car is on the road and not on the drive/garage then what house are the keys in?

Would definately run the quote through OP.

We have a garage so have stipulated garaged at night.

Just to clarify, my daughter is more than a year away from getting behind the wheel but as any teenager she is getting excited already and I was just curious on the possibility and if it was financially viable.
I was pleasantly surprised by the quotes I got.

[cat with a hat]

That's mind shatteringly cheap. I would expect 1.5k

edit:

... Although its a female driver, so I retract that comment.

[GreatGranny]

But EU rules have come in and no where on the form did it ask what sex the driver was.

:-)

[CallorFold]

One thing to be aware of, and I dont think it was mentioned after a quick flick through - the excess

In my experience, insurance companies in the small print, add £250 excess on for drivers under age 21. So offering a £500 voluntary excess on a comparison site, if you actually had to make a claim, it might be £750 - just something to double check and make sure you're happy with.

[GreatGranny]

Good point.

The cheapest shows Voluntary as £0 and Compulsory as £250.

Right, clicked on 'Learn More' and its now £400 excess. Still not bad considering most of the others are £800+

[RossP]

I bought a Panda 100HP for our daughter to learn to drive. £360 p.a.

Will go up by about £1k when she passes though...

[GreatGranny]

Had a spare 10 mins so decided to try a few other cars.

Micra 1.0 Y reg - £475

Fiesta 1.25LX 53 reg - £425

Polo 1.0 X reg - £424

Mini One 52 reg - £397!

Surprised by the last one.
Can be bought for less than a grand now and still look good IMO.
Reg I used was red with white roof and really good condition.
Nearly double the 206 I used in my first post but a far better car.