Car insurance for 21yo on a GT-R?
Discussion
Not sure where to post this so thought I'd try here 
I've had no joy with Flux or insurance comparison sites.
Thought somebody here might hopefully be able to help, here's the problem...
I want to add a 21 year old to my insurance, he has 4 years experience/no claims bonus and will just drive the car occasionaly on trips out, with me sat in the passenger seat.
The car is a 2016 Nissan GT-R, only modification is exhaust, standard power.
My insurance for the car is around £550 which is due to having 30 years NCB.
Nobody I have tried will even entertain offering me a quote. Obviously I expect the premium to increase substantially, but they don't even quote.
Does anybody know of a specialist company that would take it on?
Thanks
I've had no joy with Flux or insurance comparison sites.
Thought somebody here might hopefully be able to help, here's the problem...
I want to add a 21 year old to my insurance, he has 4 years experience/no claims bonus and will just drive the car occasionaly on trips out, with me sat in the passenger seat.
The car is a 2016 Nissan GT-R, only modification is exhaust, standard power.
My insurance for the car is around £550 which is due to having 30 years NCB.
Nobody I have tried will even entertain offering me a quote. Obviously I expect the premium to increase substantially, but they don't even quote.
Does anybody know of a specialist company that would take it on?
Thanks
Unbusy said:
Lucky lad, but i think you need to rethink it.
It can only end badly. Too much power for his experience.
Cheers, Unbusy, Chief of the wet blanket tribe!
Bit harsh considering you don't know anything about the 21 year old in question, could be a racing driver for all we know!It can only end badly. Too much power for his experience.
Cheers, Unbusy, Chief of the wet blanket tribe!
Sorry OP can't help, you'd think someone out there would be willing to take the risk on. I'm sure you'd be looking at an enormous hike in premium though, many multiples of what you are paying now. So i'd be thinking more about the value for money than anything else. But that's just because I'm tight.
When I was that age my father use to let me drive his Ferrari, I was added each day I drove it which worked fine as there weren't that many days in the year where he'd let me - I think it was something like £17 per day with a maximum of 30 days in the year. Obviously £17x365 is over £6k but it certainly dealt with the problem. Not sure if that route could help?
Might be worth speaking to an insurance broker, but actually phoning them.
I've found that talking to them on the phone and fully explaining the circumstances, they tend to be a little more receptive.
It really comes down to how much you want to pay. I have absolutely no doubt that he can get insured on it, but the premiums are likely to be vomit inducing (unless you're a footballer/movie star/London banker).
I've found that talking to them on the phone and fully explaining the circumstances, they tend to be a little more receptive.
It really comes down to how much you want to pay. I have absolutely no doubt that he can get insured on it, but the premiums are likely to be vomit inducing (unless you're a footballer/movie star/London banker).
The Beaver King said:
Might be worth speaking to an insurance broker, but actually phoning them.
I've found that talking to them on the phone and fully explaining the circumstances, they tend to be a little more receptive.
Agree - comparison websites just aren't built for this kind of situation.I've found that talking to them on the phone and fully explaining the circumstances, they tend to be a little more receptive.
OP - try Saffron, quite a helpful broker in my experience.
Vaud said:
It could be put better as "it will probably end badly" which is reflected in the premiums/companies declining to quote.
With the owner in the passenger seat? I don't think it will, it will probably be driven a hell of a lot better than some 40 year old wide boy showing off to his mates....Tuvra said:
With the owner in the passenger seat? I don't think it will, it will probably be driven a hell of a lot better than some 40 year old wide boy showing off to his mates....
But I'm pretty sure you can't get an insurance policy that states it's only to be driven when accompanied by the owner so they'll be assuming he drives it on his own.Tuvra said:
Vaud said:
It could be put better as "it will probably end badly" which is reflected in the premiums/companies declining to quote.
With the owner in the passenger seat? I don't think it will, it will probably be driven a hell of a lot better than some 40 year old wide boy showing off to his mates....Will take a very special broker and underwriter to write that up...
Vaud said:
I don't disagree, but the mass insurance market does.
Will take a very special broker and underwriter to write that up...
I don't disagree with that.....Will take a very special broker and underwriter to write that up...
Still harsh to assume he's going to drive like a bell end and wrap it up purely based on his age though. We, or should I say Unbusy, also have no idea of this lads experience, therefore his initial comment of:
Unbusy said:
Lucky lad, but i think you need to rethink it. It can only end badly. Too much power for his experience.
Is unsubstantiated b
ks Edited by Tuvra on Wednesday 25th May 08:58
The main and only issue here is that I think you'll struggle to find an insurer that would competitively insure a 21 year old on a GTR.
Most simply wont want the business so rather than quote they will just blanket say they don't insure anyone below 25 on a performance car.
I've been having the same struggles insuring my cars for the last few years since I was 21. Adrian flux are the absolute worst for this by the way so keep trying.
Most simply wont want the business so rather than quote they will just blanket say they don't insure anyone below 25 on a performance car.
I've been having the same struggles insuring my cars for the last few years since I was 21. Adrian flux are the absolute worst for this by the way so keep trying.
The comment above is rubbish. Bespoke insurers & brokers will, if you speak to the right ones, offer you an accompanied driving warranty dependant on the young drivers experience.
You can get cover, without question, however, standard market and call centres pretending to be brokers are not going to help you.
I quoted recently, on a 4 vehicle fleet, a 22 year old on a 911 GT2 (accompanied driver), whole policy was £3990 for the 4 (included him named on a RS4)
I also quoted recently on a 3 car risk, a 21 y.o on a 599, Gallardo spider & gran turismo, whilst they were doing limited mileage in this case, I could get cover. You need a proper broker. Not a comparison rubbish policy.
You can get cover, without question, however, standard market and call centres pretending to be brokers are not going to help you.
I quoted recently, on a 4 vehicle fleet, a 22 year old on a 911 GT2 (accompanied driver), whole policy was £3990 for the 4 (included him named on a RS4)
I also quoted recently on a 3 car risk, a 21 y.o on a 599, Gallardo spider & gran turismo, whilst they were doing limited mileage in this case, I could get cover. You need a proper broker. Not a comparison rubbish policy.
I've never had any sense out of Flux and I'm 49.....
No insurance company is going to come up with a "designated passenger" policy as it don't make any difference to skills who's in the LHS (attitude a different matter). That's including fitting dual controls
Try Mannings, they customise their own policies and everyone I've spoken to there is clued up on performance cars. Don't even bother with online, they just run algorithms.
No insurance company is going to come up with a "designated passenger" policy as it don't make any difference to skills who's in the LHS (attitude a different matter). That's including fitting dual controls
Try Mannings, they customise their own policies and everyone I've spoken to there is clued up on performance cars. Don't even bother with online, they just run algorithms.
Edited by Speed 3 on Wednesday 25th May 09:03
FredClogs said:
Wouldn't it be cheaper and easier to get him his own run around and get fully comp insurance on that - then he could drive any car 3rd party with the owners permission? Isn't that how it works?
Unless he's related to the owner - when there's usually an exclusion - and as long as the owner or the driver can pay for any damage to the car.Gassing Station | General Gassing | Top of Page | What's New | My Stuff