Insurance options for a 17 year old
Discussion
iv heard admiral coop quinn are cheapest
im with nfu and i was paying 2100 on a saxo 1.1
but my dads a big customer n i had a moped for a year before n did pass plus
also try adding parents on as named drivers, and get something not too old not too new ie. 02-54 reg, just think something small light slow and safe, also ring up dont get online quotes and use reg numbers when getting quotes.
just get a citreon c1 (something below group 3)and follow the trend thats almost forced upon us by the government
im with nfu and i was paying 2100 on a saxo 1.1
but my dads a big customer n i had a moped for a year before n did pass plus
also try adding parents on as named drivers, and get something not too old not too new ie. 02-54 reg, just think something small light slow and safe, also ring up dont get online quotes and use reg numbers when getting quotes.
just get a citreon c1 (something below group 3)and follow the trend thats almost forced upon us by the government
Cheap car insurance can be had im 18 and drving a mg zs 1.8 for £1500 the car was my dads but he was made redudent so decided i could have the car as we havent got the room for a fifth car in the family. Shopped around and the cheapest was aviva who my dad was on before i had the car. My father and mother on the policy limited to 7000 miles. Best thing to get is a car that is not crashed by first time drivers thats how i think mine is how cheap it is how many mg zs have been crashed by youngster? Also i think older cars do suffer from the lack of safty feactures which could prevent younger drivers crashes so that puts it up aswel.
Just shop around and phone companies up instead of comparision sites ive always been quoted stupid prices on them.
Just shop around and phone companies up instead of comparision sites ive always been quoted stupid prices on them.
ZOLLAR said:
geeteeaye said:
What a joke - is a 17 year old really that much more of a menace in an old 1.4 than a more modern 1.0/1.2 - many of which will be more powerful anyway.
yes.I fully understand a degree of a price hike on young drivers insurance due to the high risk, but its going too far now. Personally i cant afford to run a car over my summer break from university even if it is necessary for me to due so as i find public transport rather difficult with a tool box and a variety of hedge trimmers and power tools. This means a total re-think of my summer work is in order.
Stop being a typical bigot and come down from your high horse!
ZOLLAR said:
Liquid Knight said:
My nephew having the same problem. Just read the age discrimination act down the phone and tell the brokers to stop taking the urine.
You are joking right?.Kozy said:
£5k sounds about right.
He has two options.
1. Get the anal lube out and pay up.
2. Don't pay up, and get the anal lube out when he gets caught.
You forgetting a option three ...He has two options.
1. Get the anal lube out and pay up.
2. Don't pay up, and get the anal lube out when he gets caught.
Sex change
oh a little tip try increasing the value of the car to £1500 instead of it's 'true' value of say £500.
Or if you are looking at TPFT quotes try Comp quotes with a massive voluntry excess as this can reduce the premium, lower. As you may be considering TPFT the accidental damage excess is irrelevant as if TPFT you would be able to claim anyway!
Except for convicted drivers or drivers who have a history of making claims or claims made against them (who have proven they are a risk) insurance premiums should be capped to stop breaking the law from being the cheaper option.
More likely though IN10 will have a fine of £5,000 to bring it in line.
More likely though IN10 will have a fine of £5,000 to bring it in line.
Can't and didn't believe the insurance quotes I'd heard. Until next door neighbour's daughter, just passed at 17 (18 in 2 months time). Just brought a £2,500 almost 10 year old 1.2 Clio - It's not even got ally wheels. Cheapest quote he could get for his daughter, pretty much £2.5k. They had to pay it. We live in a decent area of Milton Keynes.
Still can't believe it...!
Still can't believe it...!
I've had my '98 SAAB (9-5 2.3 LPT 175BHP) for 2 years. I was 18 when I passed my test, and it cost £1800 to insure TPF&T with Aviva. I know the adverts are annoying, and perhaps more importantly, they're a bit dodgy with some policy small print. However, they were the most reasonable and still are (paying £1500 now with a NCB) relative to other quotes.
I guess it depends on your postcode more so than other details (besides age/gender/experience), but consider how many miles he is needing. Under 10,000 is markedly cheaper.
Put older drivers on the policy. With Aviva I don't even think they have to be family members? I might be mistaken though. I have my mother on (54 and, female... of course) and my sister (28, female and No Claims) it helps that she is a doctor too apparently, by a few quid. I should mention though that adding these people as NAMED drivers means that really they should be using the car. Neither my mother or sister really use my car, and I must confess I don't know the legalities of such a detail?
Anyway, If he is paying up monthly Aviva have a good interest rate, as I'm sure a lot of the bigger companies do. Smaller ones - like Brentacre - would be cheaper if he paid in a lump sum. Just be patient and shop around.
I guess it depends on your postcode more so than other details (besides age/gender/experience), but consider how many miles he is needing. Under 10,000 is markedly cheaper.
Put older drivers on the policy. With Aviva I don't even think they have to be family members? I might be mistaken though. I have my mother on (54 and, female... of course) and my sister (28, female and No Claims) it helps that she is a doctor too apparently, by a few quid. I should mention though that adding these people as NAMED drivers means that really they should be using the car. Neither my mother or sister really use my car, and I must confess I don't know the legalities of such a detail?
Anyway, If he is paying up monthly Aviva have a good interest rate, as I'm sure a lot of the bigger companies do. Smaller ones - like Brentacre - would be cheaper if he paid in a lump sum. Just be patient and shop around.
megatron said:
Innocent until proven guilty!
I fully understand a degree of a price hike on young drivers insurance due to the high risk, but its going too far now. Personally i cant afford to run a car over my summer break from university even if it is necessary for me to due so as i find public transport rather difficult with a tool box and a variety of hedge trimmers and power tools. This means a total re-think of my summer work is in order.
Stop being a typical bigot and come down from your high horse!
So what do you suggest is done?, insurance companies can't force prices to stay low otherwise they wouldn't have the money to pay claims that policyholders are responsible for, the fact is young drivers are high risk and thus have to pay the premium associated with a high risk driver.I fully understand a degree of a price hike on young drivers insurance due to the high risk, but its going too far now. Personally i cant afford to run a car over my summer break from university even if it is necessary for me to due so as i find public transport rather difficult with a tool box and a variety of hedge trimmers and power tools. This means a total re-think of my summer work is in order.
Stop being a typical bigot and come down from your high horse!
Also i'm not a bigot as i'm not intolerant to peoples opinion if it differs from mine, i'm stating a fact so lets keep the conversation on a respectable level rather than allowing it to descend into name calling.
Tell him to drop his pants and bend over!
Maby have to change the car, but play around on comparisson sites. 1.4 may seem huge for a 17 year old, but its what ive got and im 17, cost me £1300 with Flux Direct.
Add perants as named drivers, reduce millage as much as possible, increase the excess etc.
Maby have to change the car, but play around on comparisson sites. 1.4 may seem huge for a 17 year old, but its what ive got and im 17, cost me £1300 with Flux Direct.
Add perants as named drivers, reduce millage as much as possible, increase the excess etc.
ZOLLAR said:
Unfortunately I think that the law change will only result in higher premiums for women rather than reduce mens prices.
Prices for men will come down a bit, prices for women will go up a lot. The biggest difference will be for young (under 20) men, where even a 10% drop is going to be hundreds off for most cars.I was thinking about this today. Imagine if the drivers were monitored by a GPS system with G force sensor. Connected to Internet. Pay the policy monthly with next month premium linked to how they have driven so far. With ultimate sanction of policy cancellation. Option of volutary curfews The sensor could be just an iPhone!? They could plug it into the car to charge and to unlock the ignition. Yes I know, tricky to make failsafe.
There must be a way to separate the idiots from the sane sensible types. It seems to me that a lot of money awaits anyone who can get it right.
There must be a way to separate the idiots from the sane sensible types. It seems to me that a lot of money awaits anyone who can get it right.
davepoth said:
Prices for men will come down a bit, prices for women will go up a lot. The biggest difference will be for young (under 20) men, where even a 10% drop is going to be hundreds off for most cars.
There could be reductions at the start but insurers may just increase the costs of certain models of car for people under a certain age, so yes there could be a 10% immediate drop but to offset the potential increase in risk they may increase cost on certain models by over 10%.technogogo said:
I was thinking about this today. Imagine if the drivers were monitored by a GPS system with G force sensor. Connected to Internet. Pay the policy monthly with next month premium linked to how they have driven so far. With ultimate sanction of policy cancellation. Option of volutary curfews The sensor could be just an iPhone!? They could plug it into the car to charge and to unlock the ignition. Yes I know, tricky to make failsafe.
There must be a way to separate the idiots from the sane sensible types. It seems to me that a lot of money awaits anyone who can get it right.
Seem to recall there was a pay as you drive type pilot of this a few years ago with a box in the car logging activity? Norwich Union rings a bell?There must be a way to separate the idiots from the sane sensible types. It seems to me that a lot of money awaits anyone who can get it right.
Don't think it caught on. Presumably because if you're a teenager you're invincible and want to stay out all night... and having an electronic device snooping on you might cramp one's style. Especially because (I suspect) the log would be used to avoid paying if speeding etc.
Doesn't help the OP, but I always ran classics when young. Buttons compared to what mates were paying. Oh, and largest excess they'd accept.
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