Car insurance and car for 17 yr old
Discussion
JakeT said:
Insurers won't allow a new driver as a named driver typically. This is also called Fronting, is insurance fraud and is illegal.
Aviva have given me goood prices in recent years, mind you.
Maybe its changed since 2008 but thats what i did when i first passed my test. Never known of any insurance companies who dont allow it to be honestAviva have given me goood prices in recent years, mind you.
My 17 year old daughter should pass her test soon, she's been learning for 8 or 9 months and is currently insured on her own car on a learner policy. I've just got a quote for her assuming a full licence, with my wife and I as named drivers, and the cheapest quote is £1115 (for a 3 door 2015 Ford Fiesta Zetec with 100bhp Ecoboost engine). The downside is that all the cheap quotes specify a black box, which I don't really want, but the cheapest non-black box policy is £1760. If she gets a black box fitted I won't be driving the car...
One thing I was wondering is whether it's worth delaying things until the learner policy is 1 year old, does anyone know if she will get a year's NCB from such a policy?
One thing I was wondering is whether it's worth delaying things until the learner policy is 1 year old, does anyone know if she will get a year's NCB from such a policy?
Rammon said:
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 difference
Just been on money supermarket and its come up at £1000
All the above based on a yaris
£1000 insurance seems like a good price for a 17 year oldJust been on money supermarket and its come up at £1000
All the above based on a yaris
Edited by maverickdrives on Sunday 7th February 19:07
RYH64E said:
One thing I was wondering is whether it's worth delaying things until the learner policy is 1 year old, does anyone know if she will get a year's NCB from such a policy?
As far as I know an insurance policy is an insurance policy - if she's had it for a year and hasn't made a claim then surely she should be entitled to a year's NCB?I only used to have problems when I had a scooter - they never liked counting your time when you were 16.
jayemm89 said:
RYH64E said:
One thing I was wondering is whether it's worth delaying things until the learner policy is 1 year old, does anyone know if she will get a year's NCB from such a policy?
As far as I know an insurance policy is an insurance policy - if she's had it for a year and hasn't made a claim then surely she should be entitled to a year's NCB?I only used to have problems when I had a scooter - they never liked counting your time when you were 16.
Impasse said:
Another vote for the Yaris.
Having seen an OAP driving a Yaris overtake in a stupid place and consequently have a head on collision with a massive tipper truck I would also recommend a Yaris. The passenger compartment was totally intact when all I expected to see was squished people.wibblebrain said:
Having seen an OAP driving a Yaris overtake in a stupid place and consequently have a head on collision with a massive tipper truck I would also recommend a Yaris. The passenger compartment was totally intact when all I expected to see was squished people.
That's good to knowMarvib said:
Try getting a quote for an uncool car, one of my neighbours kids has a Honda jazz, he said it was much cheaper than a corsa or the like.
Ps for the jazz owners out there, I mean uncool to a 17 year old not calling out your car
wut are you talking about.. the 2009+ jazz is cool as fuk!Ps for the jazz owners out there, I mean uncool to a 17 year old not calling out your car
+ a much better car than any of the french crap or fords or vauxhalls.
ferrariF50lover said:
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.
Rammon said:
Returning to the car choice, am I right in thinking a 1.0 litre car with over 100,000 miles is going to be, how shall I say " past its best?"
It might or might not be. Depends on the specific car.I've seen 1.0 litre Corsa Cs manage more than 300,000 with little maintenance.
Jimmy Recard said:
It might or might not be. Depends on the specific car.
I've seen 1.0 litre Corsa Cs manage more than 300,000 with little maintenance.
Down to how it's maintained and driven I suppose, so is there no truth in the adage that size matters?I've seen 1.0 litre Corsa Cs manage more than 300,000 with little maintenance.
i.e. A 6.0l has a longer life expectancy than a 1.0l given equal amounts of care and maintenance?
Same situation just over a year ago looking for a car for daughter between £2-3k, wasn't happy with what I was seeing cars getting on for 10year old with not much history. So this might sound extravagant but I ended up going for a new Ford KA on a PCP, £1000 down and just over £110 a month over 2yrs. So coming in around the 3k mark but least I know she's got a safe and hopefully reliable car with breakdown warranty and cheap tax. Guess downside is in 2years still don't own the car but least it get her on the road and cross that bridge when we get there. Anyway might give food for thought.
Insurance wise as someone else posted, I put it on the Admiral multi-car. First year she was just a named driver but just renewed the with her as the policy holder, they gave her 1years no claims for £800.
Insurance wise as someone else posted, I put it on the Admiral multi-car. First year she was just a named driver but just renewed the with her as the policy holder, they gave her 1years no claims for £800.
Rammon said:
V8RX7 said:
Keep trying different variations and I think you'll find the "cool" cars like Corsas are more expensive to insure as more kids drive them, hence more kids crash them.
I bought my daughter a 206 as of the cars on offer at the time it had decent Ncap rating.
Having driven some of her friends cars the Clios are as far better drive.
I also found that 1ltr or 1.4 made no difference to the quotes.
Adding me, her mum and Grandfather to the policy reduced it massively.
Thought that may be the case with corsasI bought my daughter a 206 as of the cars on offer at the time it had decent Ncap rating.
Having driven some of her friends cars the Clios are as far better drive.
I also found that 1ltr or 1.4 made no difference to the quotes.
Adding me, her mum and Grandfather to the policy reduced it massively.
That's surprising re. the engine size
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