Car Options Insuring 17 Year old
Discussion
I know there has been many of these topics but i cannot find any recent ones.
My question is this:
with around £2500 what car can i get that doesn't look too awful runs and is insurable for a 17 year old under a parent or individually for under £3000.
Please note that i have good road sense i have been riding motorbikes since I was 12. And i have been on the road for over 14 months on bikes/mopeds with no accidents.
Any suggestions of quotes you have received would really be appreciated.
My question is this:
with around £2500 what car can i get that doesn't look too awful runs and is insurable for a 17 year old under a parent or individually for under £3000.
Please note that i have good road sense i have been riding motorbikes since I was 12. And i have been on the road for over 14 months on bikes/mopeds with no accidents.
Any suggestions of quotes you have received would really be appreciated.
jdmxrider said:
I know there has been many of these topics but i cannot find any recent ones.
My question is this:
with around £2500 what car can i get that doesn't look too awful runs and is insurable for a 17 year old under a parent or individually for under £3000.
Please note that i have good road sense i have been riding motorbikes since I was 12. And i have been on the road for over 14 months on bikes/mopeds with no accidents.
Any suggestions of quotes you have received would really be appreciated.
no offence intended by you appear to have access to the internetMy question is this:
with around £2500 what car can i get that doesn't look too awful runs and is insurable for a 17 year old under a parent or individually for under £3000.
Please note that i have good road sense i have been riding motorbikes since I was 12. And i have been on the road for over 14 months on bikes/mopeds with no accidents.
Any suggestions of quotes you have received would really be appreciated.
Compare some meerkats......
Not sure why anyone would expect anyone else to do it for them
jdmxrider said:
... is insurable for a 17 year old under a parent or individually for under £3000.
...
i have been riding motorbikes since I was 12. And i have been on the road for over 14 months on bikes/mopeds with no accidents.
Any suggestions of quotes you have received would really be appreciated.
Please don't take this the wrong way ...
i have been riding motorbikes since I was 12. And i have been on the road for over 14 months on bikes/mopeds with no accidents.
Any suggestions of quotes you have received would really be appreciated.
, but if you're the main driver of the car then you *must* be the main driver on the insurance policy and not a named driver - being a 'named driver' when actually the main driver is called "fronting" and isn't advised 
, sorry (although it's frowned upon for young drivers, it doesn't seem to be a problem for older people such as married/common law partner couples 
). As such, it's going to be expensive for you .Maybe try a "classic", or something basic/banger but "out of the box" such as a Rover Metro [as mentioned by anotherposter above] or small Skoda etc as opposed to the common herd of Corsa/Saxo/Clio/106? Maestros/Montegos can be pretty cheap to insure from experience, so perhaps look at their equivalents as well from an insurance view? Even oddballs like big recent Saabs can make insurance sense, though admittedly they would probably be out of your budget...
Good call on the moped/motorbike experience on the road (also several years off road I guess); I did 3.5 years and 30,000 miles on mopeds before I got behind the wheel of a car, and it helped in terms of awareness of road surfaces as well as planning ahead and anticipating people doing 'odd' (ahem) things - all things which hurt if one gets it wrong on two wheels
.Good luck
.This sounds mad but we bought a Citroen C1 because they seemed to be the cheapest to insure. The insurance companies didn't even like the Corsa or Fiesta
Must be 1.0 litre or less. Paid £3500 for really clean C1
My son 17, policy holder with me and wife as named drivers, £980 till he passes test then goes up a grand. Insured him with Admiral. That is without a black box and he can drive at any time not restricted at night which some do.
I will tell you, I had some brilliant quotes, highest £8k.
Good luck, be patient.
Must be 1.0 litre or less. Paid £3500 for really clean C1
My son 17, policy holder with me and wife as named drivers, £980 till he passes test then goes up a grand. Insured him with Admiral. That is without a black box and he can drive at any time not restricted at night which some do.
I will tell you, I had some brilliant quotes, highest £8k.
Good luck, be patient.
I was in the same boat (many years ago!) and i still struggle to insure 'main stream' cars, corsas fiesta, 106 etc.. thats why my next car will be a high powered luxo barge..
anyway, my first car was a 1979 1100 Austin Allegro (no laughing please, im making a point)
Now the car cost me £250 tax and tested. For that, the only thing i had to do was remove the soggy boot carpet and remove the mushrooms..
For a similar sized modern car, the insurance was going to be well north of £2500 (corsa, 106, saxo etc) for the Allegro I paid £1100 fully comp on a classic policy.
OK there were some restrictions, I couldnt do more then 8000 miles a year, and i had to be with a car club related to my car (try finding a cheap Allegro group!). there were a few other things, but i cant remember them (it was 5 years ago)
So i advise you to look something out of the box, something no other 17 year old would been seen dead in, that way you have a better chance of the insurance been cheap and as said by a few others, buy a classic.. but been careful what you buy as some classics are still uninsurable for someone of your age..\
think:
classic mini 998cc (great fun, iv had two!)
Allegro
triumph (maybe, have a look)
Beetle (many many cool points and a lot of owners out there to help if it goes wrong.. which it will)
MG B, MG Midget (these were cheaper then the Allegro for me)
Land rovers (again, loads of owners to help out)
So you see, not all classic cars are horrible little rot boxs, and some are very cool!
Hope this helps
Scott
anyway, my first car was a 1979 1100 Austin Allegro (no laughing please, im making a point)
Now the car cost me £250 tax and tested. For that, the only thing i had to do was remove the soggy boot carpet and remove the mushrooms..
For a similar sized modern car, the insurance was going to be well north of £2500 (corsa, 106, saxo etc) for the Allegro I paid £1100 fully comp on a classic policy.
OK there were some restrictions, I couldnt do more then 8000 miles a year, and i had to be with a car club related to my car (try finding a cheap Allegro group!). there were a few other things, but i cant remember them (it was 5 years ago)
So i advise you to look something out of the box, something no other 17 year old would been seen dead in, that way you have a better chance of the insurance been cheap and as said by a few others, buy a classic.. but been careful what you buy as some classics are still uninsurable for someone of your age..\
think:
classic mini 998cc (great fun, iv had two!)
Allegro
triumph (maybe, have a look)
Beetle (many many cool points and a lot of owners out there to help if it goes wrong.. which it will)
MG B, MG Midget (these were cheaper then the Allegro for me)
Land rovers (again, loads of owners to help out)
So you see, not all classic cars are horrible little rot boxs, and some are very cool!
Hope this helps
Scott
jdmxrider said:
I know there has been many of these topics but i cannot find any recent ones.
From yesterday: http://www.pistonheads.com/gassing/topic.asp?h=0&a...His budget was £2k for the car.
I'm 18, I spent a year trying to get insured on various vehicles! but I eventually had to bite the bullet and get a black box insurance policy. You may be thinking "They're naff, I wanna be cruising at 45 in a 30 with all my mates." get that out of your head right now. Even with previous road experience, you'll have no idea of how to drive a car on proper roads in normal conditions. Even though I'd been driving on private roads in various cars for several years, getting out into the public was a completely different experience and a big eye opener. I soon went from an 18 year old lad who thought he knew the ins and outs of driving to realising that I was indeed a 'new' driver. The company I am with is called insure the box, you can choose from a 6000 or an 8000 miles a year policy, with upto 100 (poss 200) miles rewarded monthly based on your driving. You don't get cash penalties for being out late at night (I drive mostly from around 7pm - anywhere around 3am) though they will take this into account in the monthly summary of your driving. I live in a 'rough' post code and as such quotes for standard Corsa/Fiesta affair was upward of £3k, I was planning to sell the Honda Civic my grandad left to me in his will to put money towards this however the car became known as 'Bob' (my Grandad was Robert) and sentimentality grew so I just couldn't bring myself to sell it. So now I'm insured as a named driver on a 110bhp four door saloon that doesn't feel like it's gonna fall apart on the motorway and returns decent mpg because I haven't gotta rev the plums out of it round town to get anywhere. Yes, I am a named driver with my mother being the Main and registered keeper, however it was understood that the insurance company realises that who is going to drive the car the most can't really be determined at first and we are treated pretty much equally, they didn't mind that allow wheels had been put on the car and upon hearing that it had only done 56000 miles from new upped the value of the vehicle by a couple of hundred quid.
A few 'Black Box' myths that aren't true:
1. You are not expected to be driving around at 29mph in 30 zones, < 35 is acceptable, likewise < 75 is acceptable on motorways and NSL roads.
2. The 'Big Brother' aspect, they don't treat anything you do as 'shady' and the black box also doubles as a tracker, so I don't worry about my car as much.
3. Driving late at night will flag you up on your monthly summary but doesn't mean your premiums will go up, as long as you don't drive like a co*k
4. You can earn a degree of NCB as a named driver and some companies will even give you full NCB rights as a named driver, but only within their policies.
All in all, if you want a better (not faster!) car, it's worth 'putting up' with a black box insurance policy for the first year or so of driving, I've done some potential quotes for this time next year and I can expect to be able to insure a couple of 'fast' cars on a normal insurance policy for a little more than what I'm paying now. As long as insurance companies keep these black box policies for younger drivers and don't try to force them on everybody then they could work!
A few 'Black Box' myths that aren't true:
1. You are not expected to be driving around at 29mph in 30 zones, < 35 is acceptable, likewise < 75 is acceptable on motorways and NSL roads.
2. The 'Big Brother' aspect, they don't treat anything you do as 'shady' and the black box also doubles as a tracker, so I don't worry about my car as much.
3. Driving late at night will flag you up on your monthly summary but doesn't mean your premiums will go up, as long as you don't drive like a co*k
4. You can earn a degree of NCB as a named driver and some companies will even give you full NCB rights as a named driver, but only within their policies.
All in all, if you want a better (not faster!) car, it's worth 'putting up' with a black box insurance policy for the first year or so of driving, I've done some potential quotes for this time next year and I can expect to be able to insure a couple of 'fast' cars on a normal insurance policy for a little more than what I'm paying now. As long as insurance companies keep these black box policies for younger drivers and don't try to force them on everybody then they could work!
Loplop said:
I'm 18, I spent a year trying to get insured on various vehicles! but I eventually had to bite the bullet and get a black box insurance policy. You may be thinking "They're naff, I wanna be cruising at 45 in a 30 with all my mates." get that out of your head right now. Even with previous road experience, you'll have no idea of how to drive a car on proper roads in normal conditions. Even though I'd been driving on private roads in various cars for several years, getting out into the public was a completely different experience and a big eye opener. I soon went from an 18 year old lad who thought he knew the ins and outs of driving to realising that I was indeed a 'new' driver. The company I am with is called insure the box, you can choose from a 6000 or an 8000 miles a year policy, with upto 100 (poss 200) miles rewarded monthly based on your driving. You don't get cash penalties for being out late at night (I drive mostly from around 7pm - anywhere around 3am) though they will take this into account in the monthly summary of your driving. I live in a 'rough' post code and as such quotes for standard Corsa/Fiesta affair was upward of £3k, I was planning to sell the Honda Civic my grandad left to me in his will to put money towards this however the car became known as 'Bob' (my Grandad was Robert) and sentimentality grew so I just couldn't bring myself to sell it. So now I'm insured as a named driver on a 110bhp four door saloon that doesn't feel like it's gonna fall apart on the motorway and returns decent mpg because I haven't gotta rev the plums out of it round town to get anywhere. Yes, I am a named driver with my mother being the Main and registered keeper, however it was understood that the insurance company realises that who is going to drive the car the most can't really be determined at first and we are treated pretty much equally, they didn't mind that allow wheels had been put on the car and upon hearing that it had only done 56000 miles from new upped the value of the vehicle by a couple of hundred quid.
A few 'Black Box' myths that aren't true:
1. You are not expected to be driving around at 29mph in 30 zones, < 35 is acceptable, likewise < 75 is acceptable on motorways and NSL roads.
2. The 'Big Brother' aspect, they don't treat anything you do as 'shady' and the black box also doubles as a tracker, so I don't worry about my car as much.
3. Driving late at night will flag you up on your monthly summary but doesn't mean your premiums will go up, as long as you don't drive like a co*k
4. You can earn a degree of NCB as a named driver and some companies will even give you full NCB rights as a named driver, but only within their policies.
All in all, if you want a better (not faster!) car, it's worth 'putting up' with a black box insurance policy for the first year or so of driving, I've done some potential quotes for this time next year and I can expect to be able to insure a couple of 'fast' cars on a normal insurance policy for a little more than what I'm paying now. As long as insurance companies keep these black box policies for younger drivers and don't try to force them on everybody then they could work!
Your on commission arent you?A few 'Black Box' myths that aren't true:
1. You are not expected to be driving around at 29mph in 30 zones, < 35 is acceptable, likewise < 75 is acceptable on motorways and NSL roads.
2. The 'Big Brother' aspect, they don't treat anything you do as 'shady' and the black box also doubles as a tracker, so I don't worry about my car as much.
3. Driving late at night will flag you up on your monthly summary but doesn't mean your premiums will go up, as long as you don't drive like a co*k
4. You can earn a degree of NCB as a named driver and some companies will even give you full NCB rights as a named driver, but only within their policies.
All in all, if you want a better (not faster!) car, it's worth 'putting up' with a black box insurance policy for the first year or so of driving, I've done some potential quotes for this time next year and I can expect to be able to insure a couple of 'fast' cars on a normal insurance policy for a little more than what I'm paying now. As long as insurance companies keep these black box policies for younger drivers and don't try to force them on everybody then they could work!
Rochellc01 said:
Your on commission arent you?
I wish haha, I've been telling everyone about them! Me and my best mate are made up, loads of people we know are stuck in shopping trolley's whereas we've got decent sized cars (he has a 52 plate Bora TDredI) it just makes sense if you ask me! Might not matter as much to people who live in areas where insurance isn't that expensive, but round here it costs a bomb because car theft is so high. I can leave my car in a street round the corner from work and know that it's got a tracker on it so it's not *too* bad.Rochellc01 said:
2000-2003 Volkswagen Golf 1.4 S
3000 or therabouts to insure
Its a Golf
(Street cred)
Not too slow
Cheap to run
Experience: Im 18 myself
With those years that would be a mk4 right?3000 or therabouts to insure
Its a Golf
(Street cred)Not too slow
Cheap to run
Experience: Im 18 myself
The 1.4 is horribly slow and would struggle to out accelerate a barge due to the chunky nature of the mk4 Golf
Expreience: Best mate had one for his first car
On the topic of classic cars my Dad bought me an early Morris 1100 for my 18th birthday with the intention of getting it insured for me as well, it's a classic, it's got a bloody 1.1 A series lump and it's quite small, must be cheap to insure right? No! £4k they wanted! Got one quote at £2300, but that was with me as a named driver, limited to 3000 miles a year and when we actually phoned them up with the intention of taking the policy, they asked for my age (which they had already been given several times!) and said unfortunately they can't insure me because I'm too young! I've got a Triumph 2000 - no luck. A Triumph 2500S estate which my Dad would've given me had I been able to get insured on it - no luck! No one wants to know until I'm atleast 21 and in some cases 25!
However, as previously stated it varies massively, a lad less than 20 minutes down the road from me, who is my age as well is insured on a 2.0S Capri, as his own daily driver, fully comp for less than £1500. Where's the sense in that?!
However, as previously stated it varies massively, a lad less than 20 minutes down the road from me, who is my age as well is insured on a 2.0S Capri, as his own daily driver, fully comp for less than £1500. Where's the sense in that?!
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