Car insurance for my 17 year old ????
Discussion
not sure what the total cost of insurance wwould be though!Avoid getting him anything that tends to be driven by young people as these tend to have a higher insurance loading. When I was younger, I had a Ford Focus mk1 1.8 Ghia saloon. The saloon bit is important as it meant I paid a little over half of what the premium would have been on a focus 1.8 ghia hatch of the same value and spec. A volvo s40 1.6 might also be a good bet.
Raw Cerb said:
I dont really want him on mine, as he needs his own transport, plus needs to build up some NCB (I hope).
I recently calculated that i was far better off financially staying on my parents policy until i was in my mid 20's. (My Dad had a multicar policy, with 5 cars on it). The increased premiums i paid later in life were are nothing compared to the additional cost i would have forked out if i had my own policy at 17. (Plus a couple of theft claims would have meant i lost them anyway, allthough i couldn;t have foreseen that 
)look to be a bit orignal. pick something that young [men] don't normally drive. the little group 1 cars can be cheap, though you may get just as good a quote with a family hatch or saloon. If you really feeling adventurous a '69 volvo amazon was the cheapest quote I got, but I don't know if this would work in practice so well. Mum on the insurance is better than a father generally.
If he needs his own car than he needs his own insurance.
Get him something with a small engine that's very uncool. That should limit the insurance premium. Also the less cool the car is the less likely he is to end up ferrying loads of mates around which is when young lads show off and end up killing themselves.
Chevy Matiz.
Get him something with a small engine that's very uncool. That should limit the insurance premium. Also the less cool the car is the less likely he is to end up ferrying loads of mates around which is when young lads show off and end up killing themselves.
Chevy Matiz.
Aviz said:
The increased premiums i paid later in life were are nothing compared to the additional cost i would have forked out if i had my own policy at 17. )
Quite true. It surely cannot be worth driving if you're paying 2k - 3k to insure a banger. That's 35+ a week on insurance alone - most kids would be better off getting buses or even taxis. Hitch78 said:
Aviz said:
The increased premiums i paid later in life were are nothing compared to the additional cost i would have forked out if i had my own policy at 17. )
Quite true. It surely cannot be worth driving if you're paying 2k - 3k to insure a banger. That's 35+ a week on insurance alone - most kids would be better off getting buses or even taxis. Aviz said:
Raw Cerb said:
I dont really want him on mine, as he needs his own transport, plus needs to build up some NCB (I hope).
I recently calculated that i was far better off financially staying on my parents policy until i was in my mid 20's. (My Dad had a multicar policy, with 5 cars on it). The increased premiums i paid later in life were are nothing compared to the additional cost i would have forked out if i had my own policy at 17. (Plus a couple of theft claims would have meant i lost them anyway, allthough i couldn;t have foreseen that )Devil2575 said:
Aviz said:
Raw Cerb said:
I dont really want him on mine, as he needs his own transport, plus needs to build up some NCB (I hope).
I recently calculated that i was far better off financially staying on my parents policy until i was in my mid 20's. (My Dad had a multicar policy, with 5 cars on it). The increased premiums i paid later in life were are nothing compared to the additional cost i would have forked out if i had my own policy at 17. (Plus a couple of theft claims would have meant i lost them anyway, allthough i couldn;t have foreseen that )
Aviz said:
Actually my Dad wasn't even insured to drive my car (It specifically stated on the policy that the policyholder was not inusred to drive the car), but the policy was in his name. With me as a main driver, and my Mum as a secondary driver
So then the insurance would surely have been as expensive as simply insuring it in your name?strange that as i found i was considerably better off by taking the hit and paying some hihg premiums in the first few years so by the time i was 21 my insurance was over half of what some of my mates were paying who had been on mummy/daddy policies and dont have any NCB of their own.
I also think it is vital that young people have their own policy and can begin building up their own NCB. If there was one thing that kept me from acting like a t
t when i was young it was the thought of having no NCB or a claim against me which would result in me paying £000s and would stop me getting a better car.
DAVE
I also think it is vital that young people have their own policy and can begin building up their own NCB. If there was one thing that kept me from acting like a t
t when i was young it was the thought of having no NCB or a claim against me which would result in me paying £000s and would stop me getting a better car.DAVE
saying get something uncool is not whats going to happen is it. are some of you here that old you cant remember school. 1 wrong thing said or done and your not "cool"
play arround with the online quotes you can go back and forward changing details until your hearts content.
get his own policy in his name.
but then add yourself his mum anyone even if they are not living at the same house that has age and alot of ncb
change arround between driveway and garage for overnight location it makes a difference. driveway was cheaper than garage for me (dont ask why)
go third party fire and theft. legal to drive on the road but itl make him think twice about the risk of a his fault crash.
play about with the millage limitations. my price didnt move at 3000 miles 4000 miles or 5000 miles but then moved at 6000 miles. depends on the millage he'l be doing.
play arround with the online quotes you can go back and forward changing details until your hearts content.
get his own policy in his name.
but then add yourself his mum anyone even if they are not living at the same house that has age and alot of ncb
change arround between driveway and garage for overnight location it makes a difference. driveway was cheaper than garage for me (dont ask why)
go third party fire and theft. legal to drive on the road but itl make him think twice about the risk of a his fault crash.
play about with the millage limitations. my price didnt move at 3000 miles 4000 miles or 5000 miles but then moved at 6000 miles. depends on the millage he'l be doing.
aka_kerrly said:
strange that as i found i was considerably better off by taking the hit and paying some hihg premiums in the first few years so by the time i was 21 my insurance was over half of what some of my mates were paying who had been on mummy/daddy policies and dont have any NCB of their own.
I also think it is vital that young people have their own policy and can begin building up their own NCB. If there was one thing that kept me from acting like a tt when i was young it was the thought of having no NCB or a claim against me which would result in me paying £000s and would stop me getting a better car.
DAVE
Agreed! I also think it is vital that young people have their own policy and can begin building up their own NCB. If there was one thing that kept me from acting like a t
t when i was young it was the thought of having no NCB or a claim against me which would result in me paying £000s and would stop me getting a better car.DAVE
I was insured when I was 17 on my own policy and had to pay £1800 for TPFT on a bloody 1.1 106 independence but I’m so glad I did as I’m now paying about £500ish for the same car fully comp (which is still pricy but not as bad as it would be if I didn’t have my 3 years no claims).
And thanks to all these no claims, I can get insured on a 1.8 Eunos for under a grand woo!
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