New driver Insurance
Discussion
OP you don't state what your car/insurance situation is as this may have some bearing on what you do. If you have a company car not much help as you don't need your own insurance. If you run your own car(s) like we do as a family we cannot fault Admiral multi car. my son is 18 passing his test last December and he was insured via admiral whilst on his provisional license on a Renault clio which is owned by him and he is the main driver My wife and I are named drivers on his policy. when he passed his test the premium was about £1200 which comparing to his friends in similar cars was very good. I found that lowering the mileage made a big difference he did less than 5k miles in his first year so no point in insuring him for 10k.
Hope that helps
Hope that helps
Apparently it's due to the higher risk of an accident because they must assume everyone that drives late has been out drinking or are boy racers or have a car full of friends to distract them. I guess reduced vision may have something to do with it too.
When questioned about this I said surely they can see from the black box that she is clearly driving from our house to her work, they know her occupation, and should therefore put two and two together, but no, driving between 11pm and 6am are dangerous.
I guess even if her driving standards are immaculate that doesn't prevent a drunken chav driving around and crashing into her...
When questioned about this I said surely they can see from the black box that she is clearly driving from our house to her work, they know her occupation, and should therefore put two and two together, but no, driving between 11pm and 6am are dangerous.
I guess even if her driving standards are immaculate that doesn't prevent a drunken chav driving around and crashing into her...
I wouldn't rule out just insuring her as a named driver on your own/your wifes policy.
In the long run it could work out cheaper; She will pay 4 figures for the first 3 years(at least) driving on her own policy, where she could only be £400-600 a year as a named driver. Then, by the time she is 21+, her insurance will take a massive dive, allowing her to start her own policy with reasonable prices due to her age and experience.
It's tough, i'm only 26 and i've been there. Paying 3k a year for an escort RS turbo worth £2k, or £2500 a year on a BMW 323i worth £1500... don't know what i was thinking.
In the long run it could work out cheaper; She will pay 4 figures for the first 3 years(at least) driving on her own policy, where she could only be £400-600 a year as a named driver. Then, by the time she is 21+, her insurance will take a massive dive, allowing her to start her own policy with reasonable prices due to her age and experience.
It's tough, i'm only 26 and i've been there. Paying 3k a year for an escort RS turbo worth £2k, or £2500 a year on a BMW 323i worth £1500... don't know what i was thinking.
richardgcs said:
When my son got his first car Quinn insurance were by far the cheapest.
they were for my son too, however they have been taken over by another company and are no longer as competitive in the new driver market. Its been said already, but new driver insurance is expensive for very valid reasons, you just need to pay whats required in the first couple of years I'm afraid.briang9 said:
richardgcs said:
When my son got his first car Quinn insurance were by far the cheapest.
they were for my son too, however they have been taken over by another company and are no longer as competitive in the new driver market. Its been said already, but new driver insurance is expensive for very valid reasons, you just need to pay whats required in the first couple of years I'm afraid.blueg33 said:
Quinn were a nightmare to claim against!
We actually found them to be very good when my son had an accident, everything went very smoothly.And as has been said above the £6700 we paid for the first two years cover turned out to be a bargain as it was significantly less than the cost of the claim.
Edited by briang9 on Sunday 22 December 22:13
briang9 said:
blueg33 said:
Quinn were a nightmare to claim against!
We actually found them to be very good when my son had an accident, everything went very smoothly.And as has been said above the £6700 we paid for the first two years cover turned out to be a bargain as it was significantly less than the cost of the claim.
Edited by briang9 on Sunday 22 December 22:13
Who me said:
Blue- have you added oldies to his policy .My daughter has 9 years driving and same in NCB, but adding me drops the quotes by at least £100 .
This. I'm 33, been driving since I was 18, in my own home & been on my own policy for years yet I STILL get a discount for putting my parents on, though not anywhere near as much as I used to. It used to be about 1/3rd off, now about £50-100.New drivers (especially their parents) really need to stop b
hing. If you can't afford to drive, don't bloody drive. I passed my test at 17, paid for all my lessons and then my old banger of a Fiat punto, I was getting quotes of £3500-£4000 to insure it TPF+T, I was working as an apprentice on £9k per annum working 40 hours a week. I tried LV Insurance and they did it for £2200 paying monthly meaning a £400 deposit and 10 payments of £200 (I think). The following year it was £1100, then £660, now I drive a 2.0i Sport MX-5 for £800/year with Admiral.
Seriously, young drivers need to commit huge amounts of their salaries towards being able to drive and so they bloody should. Have you not seen that programme on BBC3? Barely legal drivers or something? It might all be for show but I genuinely believe 90% of the young driver population are retards and don't belong on the road. If they get it all paid for them, half of them don't even appreciate the value of motoring. All my mates who have paid for it themselves have clean licenses and great cars after 3 years, those that let the bank of mum and dad pay because they didn't want to commit so much money to driving have normally ended up in a ditch at least once.
hing. If you can't afford to drive, don't bloody drive. I passed my test at 17, paid for all my lessons and then my old banger of a Fiat punto, I was getting quotes of £3500-£4000 to insure it TPF+T, I was working as an apprentice on £9k per annum working 40 hours a week. I tried LV Insurance and they did it for £2200 paying monthly meaning a £400 deposit and 10 payments of £200 (I think). The following year it was £1100, then £660, now I drive a 2.0i Sport MX-5 for £800/year with Admiral. Seriously, young drivers need to commit huge amounts of their salaries towards being able to drive and so they bloody should. Have you not seen that programme on BBC3? Barely legal drivers or something? It might all be for show but I genuinely believe 90% of the young driver population are retards and don't belong on the road. If they get it all paid for them, half of them don't even appreciate the value of motoring. All my mates who have paid for it themselves have clean licenses and great cars after 3 years, those that let the bank of mum and dad pay because they didn't want to commit so much money to driving have normally ended up in a ditch at least once.
'Barely Legal Drivers' chooses drivers who are pretty bad as it is a TV show, hence they want it to be dramatised and to get peoples attention/be entertaining/shocking. There are plenty of stupid young drivers around (though they are still a minority), but that TV show is not representative of how most young drivers behave behind the wheel.
jimbobsimmonds said:
Quick question. Might sound daft but why is it worse to drive at night. When I was working 6 til 2am for a few months it was excellent. Stress free commute!
Either because statistics on crashes, are showing a mathematical co-relation between age, time and number of crashesor
because they want to make it difficult for you to use the car when and where ever you want, thus reducing the total number of miles you will be able to drive and thus reducing the risk, without turning off the majority of potential customers who need to car for work, but could make alternative arrangements of an evening. Less miles = less risk
Grimezy93 said:
New drivers (especially their parents) really need to stop bhing. If you can't afford to drive, don't bloody drive. I passed my test at 17, paid for all my lessons and then my old banger of a Fiat punto, I was getting quotes of £3500-£4000 to insure it TPF+T, I was working as an apprentice on £9k per annum working 40 hours a week. I tried LV Insurance and they did it for £2200 paying monthly meaning a £400 deposit and 10 payments of £200 (I think). The following year it was £1100, then £660, now I drive a 2.0i Sport MX-5 for £800/year with Admiral.
Seriously, young drivers need to commit huge amounts of their salaries towards being able to drive and so they bloody should. Have you not seen that programme on BBC3? Barely legal drivers or something? It might all be for show but I genuinely believe 90% of the young driver population are retards and don't belong on the road. If they get it all paid for them, half of them don't even appreciate the value of motoring. All my mates who have paid for it themselves have clean licenses and great cars after 3 years, those that let the bank of mum and dad pay because they didn't want to commit so much money to driving have normally ended up in a ditch at least once.
Sorry I cant agree with your opening statement. It only works if you live in a sizable town or city. Unless you expect young people in rural areas to be supported by the state. Plus the ability to drive can be a fundamental skill required for many jobs.hing. If you can't afford to drive, don't bloody drive. I passed my test at 17, paid for all my lessons and then my old banger of a Fiat punto, I was getting quotes of £3500-£4000 to insure it TPF+T, I was working as an apprentice on £9k per annum working 40 hours a week. I tried LV Insurance and they did it for £2200 paying monthly meaning a £400 deposit and 10 payments of £200 (I think). The following year it was £1100, then £660, now I drive a 2.0i Sport MX-5 for £800/year with Admiral. Seriously, young drivers need to commit huge amounts of their salaries towards being able to drive and so they bloody should. Have you not seen that programme on BBC3? Barely legal drivers or something? It might all be for show but I genuinely believe 90% of the young driver population are retards and don't belong on the road. If they get it all paid for them, half of them don't even appreciate the value of motoring. All my mates who have paid for it themselves have clean licenses and great cars after 3 years, those that let the bank of mum and dad pay because they didn't want to commit so much money to driving have normally ended up in a ditch at least once.
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