Insurance for 17 Year Old
Discussion
I have been looking at the costs of insuring Bluejunior when he is a student aged 18 (currently 16)
Costs are huge, but I wondered if i could mitigate the costs by buying an old motorbike and insuring it in his name. He will then build up a history of no claims which I thought may be taken into account when he insures his first car.
(He won't be using the bike as it isn't working)
I am interested to know whether this is doable, and legal. What do people think?
Costs are huge, but I wondered if i could mitigate the costs by buying an old motorbike and insuring it in his name. He will then build up a history of no claims which I thought may be taken into account when he insures his first car.
(He won't be using the bike as it isn't working)
I am interested to know whether this is doable, and legal. What do people think?
paulrussell said:
Just buy a old car so it can be made roadworthy. It'll be cheap to insure plus it'll give your son the opportunity to learn how cars work.
I would except I have no where to store one and I wouldn't be able to insure him from the age of 16.The cost of car insurance for young people is madness! No wonder so many don't bother.
^ Really does depend on the insurer too.
I had my old A3 (2.0 FSI) with Aviva for £599 (12 weeks free) - went to change the car to my new 1.8T and they wouldn't insurer me because you need to be 21 to be insured on it. I wasn't 21 when i took out the policy originally (even though i'm 21 now?!) - i just cancelled it.
Ran a comparison and the quotes for my 1.8T, with 4 years NCB and GF and mum named drivers came in around £600 again, with the Admiral group of companies (Admiral, Bell, Elephant etc.) Next best was near on £1,000...
It's really hard for new drivers, sure you can be a named driver but you also need to build up your own NCD. (Not the direct line scam of 'named driver discount' which counts for nothing!)
I had my old A3 (2.0 FSI) with Aviva for £599 (12 weeks free) - went to change the car to my new 1.8T and they wouldn't insurer me because you need to be 21 to be insured on it. I wasn't 21 when i took out the policy originally (even though i'm 21 now?!) - i just cancelled it.
Ran a comparison and the quotes for my 1.8T, with 4 years NCB and GF and mum named drivers came in around £600 again, with the Admiral group of companies (Admiral, Bell, Elephant etc.) Next best was near on £1,000...
It's really hard for new drivers, sure you can be a named driver but you also need to build up your own NCD. (Not the direct line scam of 'named driver discount' which counts for nothing!)
duffman said:
This is pretty shocking I'm 24 now and I dont remember it being this bad when I was 17, can't you just add him on as a named driver for a the time til hes older?
He will be the main driver though. He will be named on our other car policies but he will need to learn in a manual and its not going to be the Tuscan! So if I buy him a car it may as well be insurance in his name.blueg33 said:
He will be the main driver though. He will be named on our other car policies but he will need to learn in a manual and its not going to be the Tuscan! So if I buy him a car it may as well be insurance in his name.
You don't buy a car to learn in. Learning is done through lessons. For the price of provisional insurance on any you can get hundreds of lessons.Raize said:
You don't buy a car to learn in. Learning is done through lessons. For the price of provisional insurance on any you can get hundreds of lessons.
That is true, but I want him to have access to a manual car so that he can get extra practice with me. When I learnt to drive, I drove 1000's of miles going to the South Coast from the Midlands every weekend. That mileage builds up great experience that lessons cannot.Raize said:
You don't buy a car to learn in. Learning is done through lessons. For the price of provisional insurance on any you can get hundreds of lessons.
I've paid £240 for 10 hours of lessons.Under £650 buys 6 months insurance on my corsa,which easily allows you enough time to practice for a test.Both of my parents have been driving for 30 years so driving with them is useful in between lessons.Doing it yourself makes financial sense and you can get lessons to tidy up any faults you pick up.
otolith said:
Teaching is done in lessons. Learning is done over a much longer period. The more practice you can get, the better.
You only need to be taught to pass your test, you can learn after. Otherwise you fail because you learnt some bad habits. Also driving lessons are quite cheap. Mine were about £18 an hour 7 years ago which when you consider the running costs, fuel and instructors time is quite good. I do wonder sometimes how difficult it must be to make a living doing that.Gassing Station | General Gassing | Top of Page | What's New | My Stuff