17 Year old car insurance!!!!! How do you do it?
Discussion
Morning all,
My lad will approach driving age soon, and as he's completely car mad will no doubt be the uppermost thing on his mind.
Now, I've looked into insurance, and to insure him on my car is bonkers, minimum £4500, max £12000
How have other ph parents dealt with this phenomenon.
I've told him he can wait till he insures it himself
My lad will approach driving age soon, and as he's completely car mad will no doubt be the uppermost thing on his mind.
Now, I've looked into insurance, and to insure him on my car is bonkers, minimum £4500, max £12000
How have other ph parents dealt with this phenomenon.
I've told him he can wait till he insures it himself
£4500 isn't that bad, depending on where you live. What cars are you looking at?
Key thing for young drivers are that adding both parents, or any adults 30-65 who have clean licences and accident records, will reduce the premiums dramatically. Two named drivers is generally the ideal. And of course the fewer miles they're doing the better.
Key thing for young drivers are that adding both parents, or any adults 30-65 who have clean licences and accident records, will reduce the premiums dramatically. Two named drivers is generally the ideal. And of course the fewer miles they're doing the better.
silverback mike said:
Morning all,
My lad will approach driving age soon, and as he's completely car mad will no doubt be the uppermost thing on his mind.
Now, I've looked into insurance, and to insure him on my car is bonkers, minimum £4500, max £12000
How have other ph parents dealt with this phenomenon.
I've told him he can wait till he insures it himself
I live in a crap area.My lad will approach driving age soon, and as he's completely car mad will no doubt be the uppermost thing on his mind.
Now, I've looked into insurance, and to insure him on my car is bonkers, minimum £4500, max £12000
How have other ph parents dealt with this phenomenon.
I've told him he can wait till he insures it himself
Have a 115bhp 1.5 Honda Civic and I pay £1400 a year.
Insurethebox.
Say what you will about black boxes but it means I can buy a Peugeot 205GTi in May sans big brother.
What car have you got?
My sister pays about £600 extra for 6 months to insure my 18 year old niece when she first passed her test.
This is on a 58 reg 1.2 Corsa.
Maybe cheaper to buy a £1000 snotter and insure him on that.
I just did a quote for a £2k C1, me 40 years old living in nice (ish) area, 10 years NCD on another car and my 17 year old son with provisional licence less than 1 year as a named driver, 500 miles per year and the cheapest quote I got was about a grand.
My sister pays about £600 extra for 6 months to insure my 18 year old niece when she first passed her test.
This is on a 58 reg 1.2 Corsa.
Maybe cheaper to buy a £1000 snotter and insure him on that.
I just did a quote for a £2k C1, me 40 years old living in nice (ish) area, 10 years NCD on another car and my 17 year old son with provisional licence less than 1 year as a named driver, 500 miles per year and the cheapest quote I got was about a grand.
Strange, its about £1k for me to insure an Aygo or something similar at 17..
About £2.5k to insure a Mondeo weirdly too.
ETA - Tracker reduces it quite nicely, as well as adding my dad. Possibly IAMs too, but I will post up the actual details when I get home.
(They were test quotes)
About £2.5k to insure a Mondeo weirdly too.
ETA - Tracker reduces it quite nicely, as well as adding my dad. Possibly IAMs too, but I will post up the actual details when I get home.
(They were test quotes)
Edited by 430T on Tuesday 26th February 10:53
When I was 17 back in 1991, my first car was a 1981 Ford Capri 1.6GL. If I can remember correctly, I think I paid 1100 for 3rd party F&F insurance then (3rd pty was par for the course then).
I paid for it by 'having a job!'
Does he have one of those? If he does....save.....if he doesn't...thats the solution.
I paid for it by 'having a job!'
Does he have one of those? If he does....save.....if he doesn't...thats the solution.
430T said:
Strange, its about £1k for me to insure an Aygo or something similar at 17..
About £2.5k to insure a Mondeo weirdly too.
ETA - Tracker reduces it quite nicely, as well as adding my dad. Possibly IAMs too, but I will post up the actual details when I get home.
(They were test quotes)
Didn't think of tracker, good shout...About £2.5k to insure a Mondeo weirdly too.
ETA - Tracker reduces it quite nicely, as well as adding my dad. Possibly IAMs too, but I will post up the actual details when I get home.
(They were test quotes)
Edited by 430T on Tuesday 26th February 10:53
McSam said:
£4500 isn't that bad, depending on where you live. What cars are you looking at?
Key thing for young drivers are that adding both parents, or any adults 30-65 who have clean licences and accident records, will reduce the premiums dramatically. Two named drivers is generally the ideal. And of course the fewer miles they're doing the better.
Not always the case. My daughters insurance when she was 17 and learning cost more to put me on as a named driver. We got a bloody good deal anyway - £500 quid as a learner on a 1.2 Punto. Went up to 650 when I wanted me and a mate on the insurance. Went up again to 1300 when she passed her test.Key thing for young drivers are that adding both parents, or any adults 30-65 who have clean licences and accident records, will reduce the premiums dramatically. Two named drivers is generally the ideal. And of course the fewer miles they're doing the better.
Buy a Land rover, Series only with a 2.25 engine. Looks good for a 17 year old though you may need to spanner if he is not up to it. Last year for me was £1200 for the year on a classic policy for my 17 year old. Once he goes in the RAF either keep it for yourself or sell without losing much money at all.
£4500 a year = £375 per month.
Tell him to go out and get a job to pay for it, bearing in mind I'm guessing he still lives at home with no rent to pay etc. If he wants a car then surely he should pay for it. £375 per month, living at home is perfectly doable on minimum wage.
I'm not on a great deal more and whilst my insurance is only £33 a month, I have rent, council tax and various other bills and subscritions to pay, as well as petrol, tax, maintenance etc.
Not wanting to have a major rant or anything but all these kids passing at 17 expecting to have freedom handed to them on a plate is a joke. If you cant afford to run a car, dont run one. Wait until you are a bit order, then insure a car.
Tell him to go out and get a job to pay for it, bearing in mind I'm guessing he still lives at home with no rent to pay etc. If he wants a car then surely he should pay for it. £375 per month, living at home is perfectly doable on minimum wage.
I'm not on a great deal more and whilst my insurance is only £33 a month, I have rent, council tax and various other bills and subscritions to pay, as well as petrol, tax, maintenance etc.
Not wanting to have a major rant or anything but all these kids passing at 17 expecting to have freedom handed to them on a plate is a joke. If you cant afford to run a car, dont run one. Wait until you are a bit order, then insure a car.
Fartgalen said:
McSam said:
£4500 isn't that bad, depending on where you live. What cars are you looking at?
Key thing for young drivers are that adding both parents, or any adults 30-65 who have clean licences and accident records, will reduce the premiums dramatically. Two named drivers is generally the ideal. And of course the fewer miles they're doing the better.
Not always the case. My daughters insurance when she was 17 and learning cost more to put me on as a named driver. We got a bloody good deal anyway - £500 quid as a learner on a 1.2 Punto. Went up to 650 when I wanted me and a mate on the insurance. Went up again to 1300 when she passed her test.Key thing for young drivers are that adding both parents, or any adults 30-65 who have clean licences and accident records, will reduce the premiums dramatically. Two named drivers is generally the ideal. And of course the fewer miles they're doing the better.
It does help once you have passed your test though.
Ex77
Kudos on the RAF, A-levels and part-time a good call too... Classic is a good way to go and providing it's not something girly like a Triumph Herald, that might be an option. When I was around 20, I had a Rover 820 si and an Eagle SS Kitcar. As a play thing I got my '71 Mk3 Cortina 2litre and paid half the premium than that of my Rover, and the kitcar.
....
(Yes I know, I had a Rover! Sorry...)
What about the advance driving course? Do they still do those? They lower your premium.
Failing that...a sex change? 2 bricks and a dodgy doctors certificate, job done.
....
(Yes I know, I had a Rover! Sorry...)
What about the advance driving course? Do they still do those? They lower your premium.
Failing that...a sex change? 2 bricks and a dodgy doctors certificate, job done.
Edited by stormy22 on Tuesday 26th February 11:19
silverback mike said:
Even a snotter costs loads to insure.
Luckily, bus passes seem pretty reasonable compared to insurance. I agree that insurance prices for kids these days are outrageous, but you don't sound as though you are wanting to hand him everything on a plate. So treat this as a good introduction to the real world; ie 'what you think you are owed or deserve is not the case. You can't afford it, and until you can, you can't have it'.Just remember to check the price of insurance when he passes his test, my 17 year old son's insurance is £790 as a provisional driver but when he passes his test the insurance company have quoted £2999 for the same cover. Fortunately he passed his motorcycle test at the end of last year and can ride his motorcycle for a few years until the insurance on a car goes down due to age i.e 21, but by passing his car licence now he is building up "years held a driving licence" as some insurance companies don't even quote if you have not held your licence for x amount of years. So once he has passed his car test he will be comming of the car insurance because I cannot justify paying £2999 a year insurance compared to £500 for the motorcycle. This is my own experience of trying to insure a 17 year old.
Some of these answers are just stoopid. A 17yo on minimum wage (£3.68!) would have to work nigh on 50hours a week to afford the insurance quoted. All whilst doing his A levels. I dont think suggesting a classic is particularly practical, tho admittedly is a good way to get someone inducted on how to look after a car. I personally wouldn't really want my son ragging around in a 2.5ltr landy. Not at that at that age anyway.
I'd second the advice of getting a semi-snotter. Something thats insurance group 1 - (Aygo, 107, C1, Mii, Micra etc) Get him insured on that with you and someone else as a named driver. Its going to pricey no matter what but I think thats the only way to do it unless you move to some middle-of-nowhere 'safe' postcode.
I'd second the advice of getting a semi-snotter. Something thats insurance group 1 - (Aygo, 107, C1, Mii, Micra etc) Get him insured on that with you and someone else as a named driver. Its going to pricey no matter what but I think thats the only way to do it unless you move to some middle-of-nowhere 'safe' postcode.
stormy22 said:
Failing that...a sex change? 2 bricks and a dodgy doctors certificate, job done.
Edited by stormy22 on Tuesday 26th February 11:19
Thanks for the advice folks, and yes I'm certainly not handing everything to him on a plate, he's paying for the car and saving like mad, but as stated, he's not on the best wages but trying hard.
Saying that I don't want him to have a shed just in case....
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