Car insurance and car for 17 yr old
Discussion
Rammon said:
Rammon said:
Have tried putting both myself and her mother on as named drivers and it's made no difference ffs
Just to clarify, both been driving 30 plus years with no claims at all, I have three points 2 years ago and I drive a monaro!Because it knocked over 20% off my daughter's and we only insured her a couple of weeks ago.
Rammon said:
V8RX7 said:
To clarify we are talking about insurance for after she's passed her test and insurance in her own name ?
Because it knocked over 20% off my daughter's and we only insured her a couple of weeks ago.
Yes that's right, have got quotes based on her having full licenceBecause it knocked over 20% off my daughter's and we only insured her a couple of weeks ago.
Have you tried all 3 of the larger compare sites ?
Money...
Confused...
Compare...
I had the same dilemma a few years ago with my daughter. She wanted a mini but I told her to sod off as the insurance was over £2000.
So we went down the Fiat 500 route. Brilliant little car and she loves it to bits. The plus is that it was cheap to insure.
We also have a multi car policy with Admiral. I added her to it with her own policy with myself and her mum on it as named drivers. This brought it down to about £600. Not bad for a 17 year old.
What's more we added her to the multi car policy in the September and the policy needed renewing in the Jan. So thats 5 months.
When it was renewed she then had 1year NCB automatically.
So we went down the Fiat 500 route. Brilliant little car and she loves it to bits. The plus is that it was cheap to insure.
We also have a multi car policy with Admiral. I added her to it with her own policy with myself and her mum on it as named drivers. This brought it down to about £600. Not bad for a 17 year old.
What's more we added her to the multi car policy in the September and the policy needed renewing in the Jan. So thats 5 months.
When it was renewed she then had 1year NCB automatically.
mblade123 said:
I had the same dilemma a few years ago with my daughter. She wanted a mini but I told her to sod off as the insurance was over £2000.
So we went down the Fiat 500 route. Brilliant little car and she loves it to bits. The plus is that it was cheap to insure.
We also have a multi car policy with Admiral. I added her to it with her own policy with myself and her mum on it as named drivers. This brought it down to about £600. Not bad for a 17 year old.
What's more we added her to the multi car policy in the September and the policy needed renewing in the Jan. So thats 5 months.
When it was renewed she then had 1year NCB automatically.
That's bloody good!So we went down the Fiat 500 route. Brilliant little car and she loves it to bits. The plus is that it was cheap to insure.
We also have a multi car policy with Admiral. I added her to it with her own policy with myself and her mum on it as named drivers. This brought it down to about £600. Not bad for a 17 year old.
What's more we added her to the multi car policy in the September and the policy needed renewing in the Jan. So thats 5 months.
When it was renewed she then had 1year NCB automatically.
I'm with admiral myself so that may well be worth a look
Won't affect my policy though will it, especially if she has a little shunt?
Rammon said:
That's bloody good!
I'm with admiral myself so that may well be worth a look
Won't affect my policy though will it, especially if she has a little shunt?
Nope. If it's a multi car policy she is completely independent..I'm with admiral myself so that may well be worth a look
Won't affect my policy though will it, especially if she has a little shunt?
What I would say is when it comes for renual. Do a price comparison on each individually. Then ring them if the renual is dearer than what you find. I did it this year and got £400 knocked off the total price.
mblade123 said:
Nope. If it's a multi car policy she is completely independent..
What I would say is when it comes for renual. Do a price comparison on each individually. Then ring them if the renual is dearer than what you find. I did it this year and got £400 knocked off the total price.
Absolutely, I always shop around then use that as ammunition to go back to current insurer What I would say is when it comes for renual. Do a price comparison on each individually. Then ring them if the renual is dearer than what you find. I did it this year and got £400 knocked off the total price.
EazyDuz said:
With regards to lower insurance, you can:
Have her as a named driver. You risk her ruining your NCB though
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
Insurers won't allow a new driver as a named driver typically. This is also called Fronting, is insurance fraud and is illegal.Have her as a named driver. You risk her ruining your NCB though
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 have given me goood prices in recent years, mind you.
As others have said:
Try ALL of the insurance comparison sites. You'd be surprised at the difference. I sometimes see a three-figure difference for the same insurer, just going through different comparison sites.
Don't forget the companies who don't go through comparison sites - direct line, co-op, Aviva, etc
Add mum & dad on as named drivers - usually makes a healthy discount
Think long and hard about how many miles she is really doing - reduce those will save money but don't if you think you'll exceed them!
Make sure you get quotes for TPFT, TPO and fully comp. Sometimes fully comp is cheaper.
Mix things up - sometimes weird things make a difference. EG> I've had quotes where it is more expensive to park a car in a garage than on my drive!
Try ALL of the insurance comparison sites. You'd be surprised at the difference. I sometimes see a three-figure difference for the same insurer, just going through different comparison sites.
Don't forget the companies who don't go through comparison sites - direct line, co-op, Aviva, etc
Add mum & dad on as named drivers - usually makes a healthy discount
Think long and hard about how many miles she is really doing - reduce those will save money but don't if you think you'll exceed them!
Make sure you get quotes for TPFT, TPO and fully comp. Sometimes fully comp is cheaper.
Mix things up - sometimes weird things make a difference. EG> I've had quotes where it is more expensive to park a car in a garage than on my drive!
98elise said:
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.
It's that old fight. You and I both know that insurance is pure abuse of statistics. No one has ever crashed a Corsa purely because they weren't driving a 206. Correlation attributed the false weight of causation.Insurance is pure statistics.
jayemm89 said:
As others have said:
Try ALL of the insurance comparison sites. You'd be surprised at the difference. I sometimes see a three-figure difference for the same insurer, just going through different comparison sites.
going through these nowTry ALL of the insurance comparison sites. You'd be surprised at the difference. I sometimes see a three-figure difference for the same insurer, just going through different comparison sites.
jayemm89 said:
Don't forget the companies who don't go through comparison sites - direct line, co-op, Aviva,
These nextjayemm89 said:
Make sure you get quotes for TPFT, TPO and fully comp. Sometimes fully comp is cheaper.
Mix things up - sometimes weird things make a difference. EG> I've had quotes where it is more expensive to park a car in a garage than on my drive!
Surprising!!Mix things up - sometimes weird things make a difference. EG> I've had quotes where it is more expensive to park a car in a garage than on my drive!
I found that for my first car british and french cars were cheaper to insure than japs which might not be the case for you since you're getting £1500 for all of them. If she is okay with a telematics box then co-op blackbox insurance is cheaper however I don't know what they're like to deal with as I have never used them just got a quote from them. Also 1.0L or 1.4L engine does not make too much of a difference.
Edited by maverickdrives on Sunday 7th February 18:35
maverickdrives said:
I found that for my first car british and french cars were cheaper to insure than japs which might not be the case for you since you're getting £1500 for all of them. If she is okay with a telematics box then co-op blackbox insurance is cheaper however I don't know what they're like to deal with as I have never used them just got a quote from them. Also 1.0L or 1.4L engine does not make too much of a difference.
Ok been on confused, compare and Aviva all broadly the same at £1500, putting myself and her mother on did not make a lot of differenceEdited by maverickdrives on Sunday 7th February 18:35
Just been on money supermarket and its come up at £1000
All the above based on a yaris
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