New driver insurance help.

[Athlon]

My daughter has passed her test! This has not been high on her list of things to do (she is 28!)

Now we got her a little Saxo 1.1 to buzz around in while she gains confidence etc, paid a few hundred quid for it etc etc, best quote to date: £1200 !

Now is it just me that thinks that is taking the piss? Does anyone know a good place to try and get a sensible deal? under a grand would be a start...

TIA.

[arfur daley]

because she is a woman

[Athlon]

Because she is my daughter and I want to try and help, is that a bad thing? plus she doesn't use this site where I thought someone would have a company they may have used in mind.

She has only tried fully comp so far.

[8400rpm]

Because she's a new driver in a high risk car.

Well, it's not a high risk car, it's just a car that young people own, and the chances of a Saxo owner stuffing their car is statistically quite high.

When I was 17 just passed my test, best quote I ever got was a 1,000cc original Mini, third party and it was £1,176.

Insurance sucks!

[XG332]

Try bell, tesco and admiral or female only companies. Put an older female on the insurance, try TPFT.

[omgus]

There are masses of insurance threads on here. A quick summary off the top of my head.

Reasons it can be expensive:
New Driver.
Common new driver car = higher risk.
Postcode
Options looked at (parked in garage vs on road, legal protection, voluntary excess)
Insurance companies paying out on average £1.40 for every £1.00 they recieve in premiums so insurance seems to have gone up for lots of people recently.

Suggestions:
Call around, i mean call everybody. My first call got me my cheapest quote last time i renewed, i still called about 25 companies.
Put others on her policy having you, your partner, her gran, and anyone else may make lots of difference. And no matter how rude you feel they will keep re-quoting it for you as you run through all your family members, that is their job. Do NOT insure it yourself i'm sure you have seen what happens if accused of fronting on PH
Try Diamond/Elephant/Admiral they have a very good rep for new drivers, and will offer acclerated NCB schemes.
Up the volutary Excess and get her pass plus'd if possible.


Im sure others with better knowledge will be along to help soon.

Edited by omgus on Monday 21st June 18:23

[ZOLLAR]

omgus said:

There are masses of insurance threads on here. A quick summary off the top of my head.

Reasons it can be expensive:
New Driver.
Common new driver car = higher risk.
Postcode
Options looked at (parked in garage vs on road, legal protection, voluntary excess)
Insurance companies paying out on average £1.40 for every £1.00 they recieve in premiums so insurance seems to have gone up for lots of people recently.

Suggestions:
Call around, i mean call everybody. My first call got me my cheapest quote last time i renewed, i still called about 25 companies.
Put others on her policy having you, your partner, her gran, and anyone else may make lots of difference. And no matter how rude you feel they will keep re-quoting it for you as you run through all your family members, that is their job. Do NOT insure it yourself i'm sure you have seen what happens if accused of fronting on PH
Try Diamond/Elephant/Admiral they have a very good rep for new drivers, and will offer acclerated NCB schemes.
Up the volutary Excess and get her pass plus'd if possible.


Im sure others with better knowledge will be along to help soon.

To be honest i think thats a very helpfull post and the OP should try all of the above

Edited by ZOLLAR on Monday 21st June 18:27

[Athlon]

Thanks all, she is doing all the above, just seems a bit bonkers price wise! the Saxo is only an SX, no VTR kit type stuff on it, just a basic, boring un-arched chugger!

[x type]

Lucky she's not 17

Bought a snotter of a clio 1.2 for daughter ready for her to learn in when she's 17
£850 as a learner £1700 when she passes her test