Young Driver Insurance...

[MattMF1]

I'm sure there have been a heap of topics about this, but cant really find an answer so i will give it a go. Turning 17 (soon-ish) and have been searching far and wide, as i'm sure many others have, for a good quote on someone with 0 NCB and is 17. Cant find any insurance company that will get me any lower than £3000! Unbelivable really when i live in a catagory B area and tested with relitivly slow cars. Even as an additional driver on my mums insurance (Cough). Anyone know any companies that aren't really well known that I could try that could offer really low premiums, or at least something that will get it lower?

Thanks for any help given!

Matt.

[P I Staker]

I am 17 and am currently learning.

I can get insurance (As a full licence holder) on a Fiesta Mk2 1.1 for £1600, the only thing cheaper is a Classic Mini at about £1500 but more expensive to buy.

I live in a lowest risk area.

[R300will]

what car are you trying to get insured on? First Central insurance? cut my OH's premium in half

[MattMF1]

Not sure what car would be good, i've heard that obscure cars are better as they arnt associated with boy racers.

[C2james]

its been said millions of times but getting a classic car could save you a lot of money in terms of buying it and getting it insured.

[MattMF1]

C2james said:

its been said millions of times but getting a classic car could save you a lot of money in terms of buying it and getting it insured.

I have heard that as well, but im not sure what ones are reliable...

[wackojacko]

MattMF1 said:

C2james said:

its been said millions of times but getting a classic car could save you a lot of money in terms of buying it and getting it insured.

I have heard that as well, but im not sure what ones are reliable...

But will cost you the money (or more) that you have saved from not getting a modern car just keeping it on the road (within reason). Nothing is "the best option" just a compromise in which you have ot choose.

[Pcot]

I can feel your pain my friend!

Have you tried Quinn? Or Elephant?

[Garvin]

If you are looking to get into the usual Corsa, Saxo brigade with an eye to a bean can exhaust etc. then you will just have to suffer crippling insurance premiums. If you aren't too worried about what you drive and just want to get from A to B then get into Bangernomics. Cheap, large, comfy machines can be cheap to buy, cheap to insure but a bit thirsty on the juice - however the additional costs of fuel and maybe road tax can be more than offset by the reduction in insurance premiums.

You will be amazed what sorts of cars you can insure cheaply and it seems to make no sense but the ability to get on-line quotes enables you to test out with some vehicles you just wouldn't credit.

[MattMF1]

I haven't actually, I'll have a look now. If only they knew i wasn't going to be a boy-racer type. They ruin it for everyone.

[MattMF1]

Garvin said:

If you are looking to get into the usual Corsa, Saxo brigade with an eye to a bean can exhaust etc. then you will just have to suffer crippling insurance premiums. If you aren't too worried about what you drive and just want to get from A to B then get into Bangernomics. Cheap, large, comfy machines can be cheap to buy, cheap to insure but a bit thirsty on the juice - however the additional costs of fuel and maybe road tax can be more than offset by the reduction in insurance premiums.

You will be amazed what sorts of cars you can insure cheaply and it seems to make no sense but the ability to get on-line quotes enables you to test out with some vehicles you just wouldn't credit.

Would you mind suggesting a car that could work well for this sort of application? and thank you for you help.

[Garvin]

MattMF1 said:

Garvin said:

If you are looking to get into the usual Corsa, Saxo brigade with an eye to a bean can exhaust etc. then you will just have to suffer crippling insurance premiums. If you aren't too worried about what you drive and just want to get from A to B then get into Bangernomics. Cheap, large, comfy machines can be cheap to buy, cheap to insure but a bit thirsty on the juice - however the additional costs of fuel and maybe road tax can be more than offset by the reduction in insurance premiums.

You will be amazed what sorts of cars you can insure cheaply and it seems to make no sense but the ability to get on-line quotes enables you to test out with some vehicles you just wouldn't credit.

Would you mind suggesting a car that could work well for this sort of application? and thank you for you help.

It depends a lot on the insurance company and the 'risk' area you live in but try cars like old Rover 820's and the like - you know the sort of car young people normally won't be seen dead in. Good luck.

[saleen836]

A friends son (17) is learning and got a quote of just over £1000 for a Suzuki Iginis after I pointed out to him that something like a Corsa/Saxo etc will be expensive, as has been said, you have to think outside of the box

[5paul5]

C2james said:

its been said millions of times but getting a classic car could save you a lot of money in terms of buying it and getting it insured.

Would a young driver get classic insurance though ?

[Baryonyx]

It seems like a bus pass or a bicycle is the best bet for young drivers.

[MattMF1]

Possibly instead of a rover 800, maybe a BMW 316i, get them very cheap and not something you usually see young drivers in - could be a reason for this . However, just because its a BMW does that mean it will automatically go up or is it the model that counts. Being a young petrolhead, i would prefer a BMW to a Rover, but it is easy to understand why that might not be alright.

[P I Staker]

I have tried barges, tiny Fiats, average hatch backs...

The cheapest vehicles i can insure are the ones i mentioned.


ETA: I havent found a classic insurance company that will cover young drivers.

[GB123]

Quinn is quite good, they specialise in young and learner drivers, I think their quotes also come up on the price comparison websites.

[MattMF1]

Its such a bore comparing insurance companies because i complete all of the online forms and what have you, then it says it can't give me the quote and I have to start all over again.

[robsco]

I would suggest that you try Admiral/Bell/Elephant (all part of the same company) and increase your voluntary excess as high as you dare. For example:

Voluntary excess £1000 - insurance premium £1600.

Voluntary excess £250 - insurance premium £2350.

Obviously these two aren't related to your situation and I'm grossly simplifying here, but increasing your VE like so can have a dramatic effect on your premium, and bear in mind you'll be £750 better off if you don't have an accident.