PCH for 20yo new driver

[57Ford]

I’m sure this has been done but I’ve been Googling round in circles for hours so help would be appreciated please from those in the know.
Insurance on anything for a new driver is just ridiculous atm so I’m looking for a basement PCH deal with insurance included for my 20 year old son who’s due to pass (?) his test in a couple of weeks.
Ideally want 2 or 3 years insurance included but I can cope if it’s just the one because next year he’ll be past the magic 21yo and will obviously have a years ncd so it will be far more sensibly priced.
Is this all achievable?

[mrunderhill]

I've not seen a PCH with free insurance.

Car wow has an article on cars with free insurance via PCP though
https://www.carwow.co.uk/best/cars-with-free-insur...

[57Ford]

Thanks, I’m totally green on this stuff so is the only difference between PCH & PCP that with the latter you can buy it at the end?
I’m just looking for the cheapest way to get him out on the road.
I did webchat with Carwow’s suggestions at local Citroen dealers for a C1 but they haven’t come back yet.
I was just wondering if I’m missing something obvious to our resident experts.
Eta Oops, meant Citroen not Peugeot!

Edited by 57Ford on Wednesday 27th June 13:28

[ZX10R NIN]

The cheapest way to get your son into a car is to get a loan covering the cost of the car & the insurance it'll be cheaper than buying a new car with insurance, so buy something along the lines of the cars below.

Fiat Punto

https://www.autotrader.co.uk/classified/advert/201...

https://www.autotrader.co.uk/classified/advert/201...

Toyota Aygo

https://www.autotrader.co.uk/classified/advert/201...

Yaris

https://www.autotrader.co.uk/classified/advert/201...

https://www.autotrader.co.uk/classified/advert/201...

C1

https://www.autotrader.co.uk/classified/advert/201...

Clio

https://www.autotrader.co.uk/classified/advert/201...

https://www.autotrader.co.uk/classified/advert/201...

[Dimebars]

Peugeot/Citroen do the "just add fuel" scheme - basically a PCP type deal with insurance, VED, breakdown cover in one payment

The problem you'll have with this and most free insurance schemes is that most will be either 21+ or require a minimum period of holding a licence

[Lee540]

Have a look here:

https://www.wearemarmalade.co.uk/cars-for-young-dr...

Says from 17 years old..

Corsa, 500, Fiesta, Ibiza, Polo..

I did an example, living in Guildford, Surrey

Brand new Fiesta 1.1 Style, 3dr - £256/month - 48 months - Final payment £4500 - £500 deposit.

[RSTurboPaul]

Lee540 said:

Have a look here:

https://www.wearemarmalade.co.uk/cars-for-young-dr...

Says from 17 years old..

Corsa, 500, Fiesta, Ibiza, Polo..

I did an example, living in Guildford, Surrey

Brand new Fiesta 1.1 Style, 3dr - £256/month - 48 months - Final payment £4500 - £500 deposit.

Looks like that scheme requires a black box to be fitted at all times:
https://www.wearemarmalade.co.uk/cars-for-young-dr...

But "Don't worry, having a black box fitted doesn't mean we'll be scrutinising every second of your driving."

Except, of course, by its very nature a black box will be...


Not sure about you, but I would greatly resent having my every journey / steering input / pedal press monitored for four whole years.



"The unfortunate, and often tragic, truth is that there is a direct correlation between young drivers and car accidents1. That's why car insurance for young drivers is more expensive.

There are two ways of approaching this. The first is to maintain a high insurance premium, discouraging young drivers from getting onto the road. The second is to enable more young drivers onto the road and help them to become better drivers."


Or, perhaps, there's a third way - actually teach new drivers to operate the vehicle safely and approach driving with a systemic and comprehensive method like that taught in Advanced Driving...

[57Ford]

Ok, thanks all. I was attracted by figures of @£90/m for a new Aygo and thought if they offered free insurance to the rest of us for that price, it maybe wouldn’t attract much more of a young driver premium for him.
Turns out I was wrong so £1k snotter it is then

[RSTurboPaul]

57Ford said:

Ok, thanks all. I was attracted by figures of @£90/m for a new Aygo and thought if they offered free insurance to the rest of us for that price, it maybe wouldn’t attract much more of a young driver premium for him.
Turns out I was wrong so £1k snotter it is then

It's his first car - he'll only crash it anyway lol

Spend the money saved on a proper skidpan session (a proper one, not one with the cradle system), IAM (£149 IIRC) then the High Performance Course!

[Lee540]

My cousin was on a black box for a couple of years.. she could monitor her driving online and what her insurance company thought of her driving.

It isn’t a bad idea for new drivers.

[RSTurboPaul]

Lee540 said:

My cousin was on a black box for a couple of years.. she could monitor her driving online and what her insurance company thought of her driving.

It isn’t a bad idea for new drivers.

I believe there has been some research done that suggests people are too afraid to brake or accelerate or steer firmly and decisively if required, such as during a situation that has developed more quickly than anticipated, seemingly because people are too worried about an 'emergency braking' incident (for example) showing up on their black box record and increasing their premium.

Decent advanced training has no issue with accelerating/braking firmly but progressively if the opportunity/need arises, whereas it seems black boxes and these 'eco shift light' things in vehicles are all about neeeeeever using more than about 1/8th of a pedal's travel, because you are apparently a dangerous maniac if you do

New drivers (and indeed any driver) shouldn't be afraid to explore the envelope of their vehicle's performance when safe to do so, because it better equips them for situations when they really need it - a black box basically gives the message that "you must never do anything other than tickle the accelerator, coast along and then trickle to a stop at all times, in all weathers, in all situations, even if you really do need to use firmer inputs to avoid a situation arising".