It's been done before, but insurance for a 17 year old?
Discussion
I'm 17 in September and I seriously can't wait to start to drive (legally 
).. I'd love an affordable 'classic', like a mk1 golf, mgb gt or viva HB, but I'd be happy with something like a 06 fiesta ZETEC,. Basically I need to find some insurance that won't make my dad tear up, but I have no idea on how to go about it?
Cheers,
Zain
).. I'd love an affordable 'classic', like a mk1 golf, mgb gt or viva HB, but I'd be happy with something like a 06 fiesta ZETEC,. Basically I need to find some insurance that won't make my dad tear up, but I have no idea on how to go about it? Cheers,
Zain
Hiya Mate! I was 17 a few years ago, and the insurance was ridiculous for me to be able to afford my own "nice" car. Just go on as a named driver for the time being. (on your parents car- I do not recommend "fronting")
Just so you know I was 22 last year, and had been driving as a named driver for a few years (passed at 17). I paid £1700 on my own 1.2 Corsa. You are probably looking at probably double that!
Good luck anyway!
Just so you know I was 22 last year, and had been driving as a named driver for a few years (passed at 17). I paid £1700 on my own 1.2 Corsa. You are probably looking at probably double that!
Good luck anyway!
The Nur said:
ZainyZainZain said:
Nah the laws out in Pakistan are a bit lax
So what's up with the (legally ) bit?Edited by The Nur on Thursday 3rd April 11:38
My eldest passed last month and I added him to our C1 as a named driver, the insurance for the year is £600 odd which didnt seem too bad considering, I think realistically, unless you have a lot of money it requires parents with a small car available to use, that has full NCD on it.
Before the ineviatable, no it isnt fronting, he is a named driver with occasional access to the car which we all use !
Before the ineviatable, no it isnt fronting, he is a named driver with occasional access to the car which we all use !
Ali_T said:
Any companies that the younger members would recommend as a goo distorting place? Our son is closing in on the time i'm going to have to buy and insure something for him to run around in.
I'd recommend "drive like a girl". Yes they are a black box company, but have no curfews, or any restrictions of any sort. I haven't had to make a claim so cant be sure how they are in that respect, but they were by far the cheapest I could find at the time. J4CKO said:
My eldest passed last month and I added him to our C1 as a named driver, the insurance for the year is £600 odd which didnt seem too bad considering, I think realistically, unless you have a lot of money it requires parents with a small car available to use, that has full NCD on it.
Before the ineviatable, no it isnt fronting, he is a named driver with occasional access to the car which we all use !
Something I've always wondered. What constitutes a main policy holder and what constitutes a named driver? If it's percentage usage and you take it to extremes, could a named driver be using the car 49.9% of the time? Or are there legal definitions?Before the ineviatable, no it isnt fronting, he is a named driver with occasional access to the car which we all use !
Gents,
A few things I learned from when I was your age.
1. More or less the only thing that seems to make a difference to the insurers at that age is CC. It doesn't seem to matter much to them that an old 2l petrol is slower than a modern 1.6l diesel, the diesel will be cheaper to insure. So - find something with the smallest engine you can bear. Yes, it'll be painful. But just put the savings towards buying something nice when you're older! I wouldn't bother buying a "classic" - you don't get proper classic insurance till you're 25 at least.
2. German things will be more expensive to insure - they have a sportier reputation and I see a lot more Golfs get bent than Citroens.
3. Add both your parents (or two sensible 40yo+ people) to your policy - it will normally make a massive difference to the cost.
4. Use several comparison sites - yes, I know, although they compare the same stuff they often give different prices.
5. If someone else in your family already has a car and insurance, and they trust you, consider Admiral's multi-car policy. They let you mirror NCB between two cars. So if your dad has 5 years NCB you can get the benefit of 5 years NCB too. He'll have to have faith in you though because if you bend your car his NCB is gone!
6. PASS PLUS may be worth considering, but check in advance - some insurers it makes a difference, others it doesn't.
Lastly, but most importantly, be 100% totally honest with your insurer. Do not fail to declare anything you've done to the car, sensible mods (eg nice alloys) won't put up your premium that much but believe me, in the event of an accident they can and WILL use anything they can to weasel out of paying.
Oh, and if you can, please don't go with a black box insurance company. They might seem cheaper, but they will use the information they get to bump up your premium after the fact - unless you really do drive like a Micra driver.
Good luck
A few things I learned from when I was your age.
1. More or less the only thing that seems to make a difference to the insurers at that age is CC. It doesn't seem to matter much to them that an old 2l petrol is slower than a modern 1.6l diesel, the diesel will be cheaper to insure. So - find something with the smallest engine you can bear. Yes, it'll be painful. But just put the savings towards buying something nice when you're older! I wouldn't bother buying a "classic" - you don't get proper classic insurance till you're 25 at least.
2. German things will be more expensive to insure - they have a sportier reputation and I see a lot more Golfs get bent than Citroens.
3. Add both your parents (or two sensible 40yo+ people) to your policy - it will normally make a massive difference to the cost.
4. Use several comparison sites - yes, I know, although they compare the same stuff they often give different prices.
5. If someone else in your family already has a car and insurance, and they trust you, consider Admiral's multi-car policy. They let you mirror NCB between two cars. So if your dad has 5 years NCB you can get the benefit of 5 years NCB too. He'll have to have faith in you though because if you bend your car his NCB is gone!
6. PASS PLUS may be worth considering, but check in advance - some insurers it makes a difference, others it doesn't.
Lastly, but most importantly, be 100% totally honest with your insurer. Do not fail to declare anything you've done to the car, sensible mods (eg nice alloys) won't put up your premium that much but believe me, in the event of an accident they can and WILL use anything they can to weasel out of paying.
Oh, and if you can, please don't go with a black box insurance company. They might seem cheaper, but they will use the information they get to bump up your premium after the fact - unless you really do drive like a Micra driver.
Good luck
Edited by jayemm89 on Thursday 3rd April 11:56
jayemm89 said:
Gents,
A few things I learned from when I was your age.
1. More or less the only thing that seems to make a difference to the insurers at that age is CC. It doesn't seem to matter much to them that an old 2l petrol is slower than a modern 1.6l diesel, the diesel will be cheaper to insure. So - find something with the smallest engine you can bear. Yes, it'll be painful. But just put the savings towards buying something nice when you're older! I wouldn't bother buying a "classic" - you don't get proper classic insurance till you're 25 at least.
2. German things will be more expensive to insure - they have a sportier reputation and I see a lot more Golfs get bent than Citroens.
3. Add both your parents (or two sensible 40yo+ people) to your policy - it will normally make a massive difference to the cost.
4. Use several comparison sites - yes, I know, although they compare the same stuff they often give different prices.
5. If someone else in your family already has a car and insurance, and they trust you, consider Admiral's multi-car policy. They let you mirror NCB between two cars. So if your dad has 5 years NCB you can get the benefit of 5 years NCB too. He'll have to have faith in you though because if you bend your car his NCB is gone!
6. PASS PLUS may be worth considering, but check in advance - some insurers it makes a difference, others it doesn't.
Lastly, but most importantly, be 100% totally honest with your insurer. Do not fail to declare anything you've done to the car, sensible mods (eg nice alloys) won't put up your premium that much but believe me, in the event of an accident they can and WILL use anything they can to weasel out of paying.
Oh, and if you can, please don't go with a black box insurance company. They might seem cheaper, but they will use the information they get to bump up your premium after the fact - unless you really do drive like a Micra driver.
Good luck
YES! This guy is right on the money!A few things I learned from when I was your age.
1. More or less the only thing that seems to make a difference to the insurers at that age is CC. It doesn't seem to matter much to them that an old 2l petrol is slower than a modern 1.6l diesel, the diesel will be cheaper to insure. So - find something with the smallest engine you can bear. Yes, it'll be painful. But just put the savings towards buying something nice when you're older! I wouldn't bother buying a "classic" - you don't get proper classic insurance till you're 25 at least.
2. German things will be more expensive to insure - they have a sportier reputation and I see a lot more Golfs get bent than Citroens.
3. Add both your parents (or two sensible 40yo+ people) to your policy - it will normally make a massive difference to the cost.
4. Use several comparison sites - yes, I know, although they compare the same stuff they often give different prices.
5. If someone else in your family already has a car and insurance, and they trust you, consider Admiral's multi-car policy. They let you mirror NCB between two cars. So if your dad has 5 years NCB you can get the benefit of 5 years NCB too. He'll have to have faith in you though because if you bend your car his NCB is gone!
6. PASS PLUS may be worth considering, but check in advance - some insurers it makes a difference, others it doesn't.
Lastly, but most importantly, be 100% totally honest with your insurer. Do not fail to declare anything you've done to the car, sensible mods (eg nice alloys) won't put up your premium that much but believe me, in the event of an accident they can and WILL use anything they can to weasel out of paying.
Oh, and if you can, please don't go with a black box insurance company. They might seem cheaper, but they will use the information they get to bump up your premium after the fact - unless you really do drive like a Micra driver.
Good luck
Edited by jayemm89 on Thursday 3rd April 11:56
Ali_T said:
J4CKO said:
My eldest passed last month and I added him to our C1 as a named driver, the insurance for the year is £600 odd which didnt seem too bad considering, I think realistically, unless you have a lot of money it requires parents with a small car available to use, that has full NCD on it.
Before the ineviatable, no it isnt fronting, he is a named driver with occasional access to the car which we all use !
Something I've always wondered. What constitutes a main policy holder and what constitutes a named driver? If it's percentage usage and you take it to extremes, could a named driver be using the car 49.9% of the time? Or are there legal definitions?Before the ineviatable, no it isnt fronting, he is a named driver with occasional access to the car which we all use !
I pay it, wife is main driver and he and I are named on it from what I remember.
She is definitely the main driver, I use it occasionally round town and he uses it a couple or three times a week so far, thankfully he hasnt got the bug to go everywhere in it.
I suppose you have to have a "main driver", I guess its only an issue when the highest risk one is a named driver when they are actually the main driver, but they base the premium on the highest risk anyway.
I like to be above board with insurance, sometimes I think people just buy something they can show to the Police when they get a producer rather than actual cover.
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