How to reduce insurance premium for young drivers? [help]

[UUilliam]

I actually got here from one of the threads a 17 year old trying to get insurance on a sport car where people told him it was a death trap basically.

Here is the thing:

- Not driving fancy car
- getting my grandads Rover 25
- have been looking at insurance for cars (Tried out insurance for a corsa as it is supposedly cheapest.)
- cheapest price was ~£5000 which I doubt.
- someone told me to try get insurance as a provisional driver, then transfer it to full license as it is cheaper?

- 17, glasgow
- still taking lessons (currently on the 11th)
- passed theory so far.
- planning to take pass plus scheme

I wouldn't say I am yet ready to go out on the road myself, but I am just planning a head to be prepared once I do pass my driving test.

A few people I know got theirs for about £500 - £2000.

I wouldn't mind £2000, but £5000 for a corsa?


I am not really interested in cars if I am honest, I am into photography, so would just be using it to carry my gear, go to college and take my mum shopping, that would be about it.
I would only use it if I need to / cant get to the place by walking or get there in time via walking.


I am sorry to ask for advice via my first post, but as I say, I am not interested in cars, just trying to find how to push my insurance premium down as much as possible.

[missy-a-k]

Wow that is ching ching! I had a 1.4 astra as my first car and even on a provisional licence it cost me 700 to insure initially and then 750 when I passed my test.

[Tango13]

Try Shelias wheels then putting your mum on the policy as a named driver, also does the pass plus thing help lower the premium?

[anonymous-user]

Stick your mum on as a named driver. Providing she has no points it'll knock a few hundred quid off it.

£5k is insanity, what insurance companies have you tried?

Edited by MSTRBKR on Thursday 15th July 17:25

[UUilliam]

Thanks for the quick replies!

My mum doesn't drive (thus myself Driving her to shops.)
MY aunt saidshe would try putting her name as a named driver.

I have looked at endseigh which is supposed to be cheapest for students...
The cheapest I have been quoted was Quinn Direct (£992) but that is Third part and fire and theft (I dont mind too much, I would take that just to be on the right side of the law, if anything goes wrong with my car, assuming it doesn't cost a lot, I would pay for it myself.)

which Is only £80 odd a month
I tried putting it in as I passed pass plus which took £100 off too making it about £70 a month for 10 months (I am assuming you get 2 months free from them.)

Anyways, I am off to work just now, will check back when I come back in.

[Kitch88]

Just find two women over 40 to put on the policy as named drivers, that should knock a fair bit off even if they never drive the car.

Check the price for parking on the street/driveway/garage, my policy with admiral is bizarrely £100 cheaper by parking on the street rather than in a garage.

Third party fire & theft is worth it if too it saves a lot in my experience, especially as you'll probably want to avoid claiming the insurance for anything other than a write-off when fully comp as you'll have to pay the excess and will have had a claim!

And definitely do your pass plus, unlikely you'll make much more of a saving off your insurance than it costs to do it, but you'll get taught some more advanced stuff than normal driving lessons: motorway, night driving etc and hopefully have a reduced chance of a crash!

[visual123]

Try Churchill and Direct Line. When I passed at 17 (2.5 years ago) Churchill were cheapest for my car, and pretty much any other small hatch I got a quote on. Try them with and without parents/auntie on, as strangely they were cheaper with just me on my own. Also try Elephant/Admiral/Bell, as they were cheapest for my 3rd year of insurance (with parents as named drivers).

[BMR]

Agreed with the comments about putting your mum (or in your case another female relative) on your policy.

Even at 25 adding my mum as a named driver is still making a difference.

Back when I first owned a car I had it insured TPFT and the insurance was £1000 (or £1300 without my mum) - the car was worth £1500 so all I'll advise if you go TPFT take care!

[OwenK]

If a TPFT policy is cheaper, I would most certainly take it. Bear in mind that if you ever do have an accident, if you were fully comp and wanted your car repaired by your insurance, you would pay the voluntary excess (probably £500), the compulsory excess (might be another £200) and after that you'd STILL have your premiums hiked for the next 3 ish years by several hundred quid, because people who've had an accident are statistically more likely to have another.

Unless we're talking about a brand spanking new Rover 25, which I doubt, I wouldn't bother. Fully comp is only worth it to people with cheap cars if the policy price is cheaper.

[maniac0796]

The insurance on my Primera GT was £500 cheaper when fully comp then when I did it as TPFT. Makes no sense to me, but meh. Still too much to be paying really, but I'm not going to get it cheaper, and the fact is, I'm amazed I was insurable on it.

[R60EST]

Be aware that most companies see a provisional driver as a lesser risk than someone who has passed their test. A learner must be accompanied at all times.
Once they pass they are considered a greater risk and the premium is increased to reflect this.

My daughter was insured for £800 for a 1.4 polo with Quinn as a provisional licence holder , once she informed them she had passed her test 3 months later they wanted an additional £1200

[UUilliam]

When adding my aunt as a named driver (38 years old.)
it puts the price up :s

[Mr.Jimbo]

Pass Plus only helps for the first year of insurance.

It is good for inclement conditions, and motorway tuition, however

[XG332]

UUilliam said:

I would only use it if I need to / cant get to the place by walking or get there in time via walking.

That will soon change.

[anonymous-user]

UUilliam said:

When adding my aunt as a named driver (38 years old.)
it puts the price up :s

Hmm methinks she has a few points she's not telling you about Try some other companies though. Bell gave the best discount for putting a woman on as named driver when I was looking, I think I got £400 off.

Also Direct Line do you discount for having home insurance or other types of insurance with them if you are in the same household as the policy holder of those. Any chance your mum has the house insurance with Direct Line? I can't remember how much you get off, but every little helps.

Edited by MSTRBKR on Friday 16th July 07:53

[omgus]

I seem to remember that there was a very good thread about young driver insurance in General Gassing a number of months ago, i can't find it but i'm hoping some else will be able to, i think it was started by one of our young MGB driving PH'ers but don't know which one.

my brief sum up from number of other threads about this that i roll out whenever i can't be arsed to use the search function 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 your policy having you, your partner, your 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 front it (insure in someone elses name with you as a named driver) 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 pass plus'd if possible.


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

[Carfiend]

Find some kind of cryogenic booth and take a nap for about 13 years so when you come out you are legally 30 and your insurance will be less.