Insurance for a 17 year old, just passed his test. £4,000+
Discussion
SystemParanoia said:
alfabadass said:
There's only one thing for it.
Insurance should not be required by law.
That'll shake things up a bit!
LOL!Insurance should not be required by law.
That'll shake things up a bit!
every industry where insurance is completely optional.. cycling for instance, the prices are low low low and very competitive
when they have a stranglehold monopoly the prices goto the mental levels they are now
Something similar is done in Australia, SA, et al. and it works quite well.
98elise said:
Young male drivers need to stop crashing so much. Thats whats driving their premiums up. .
Obviously ! I thought the GPS systems would help that, knowing their every move was being recorded would do slow them down, but the premiums don`t reflect this.I`ll get him to ring LV tonight. Thanks for the heads up.
RegMolehusband said:
I feel so sorry for youngsters having to pay these criminal premiums. The industry needs a shake-up.
E.g. Serious extra training for new drivers, including attitude, and lower premiums as a result. Sort out the whiplash claim industry.
Never happen as can be seen by the number of threads even on a site like this extolling the virtues of accident managment companies.E.g. Serious extra training for new drivers, including attitude, and lower premiums as a result. Sort out the whiplash claim industry.
Edited by RegMolehusband on Monday 30th July 08:38
If on an enthusiast site like this people can't see the link between being indignant when a victim of an RTA, and moaning about increased insurance premiums, then there is no hope for the wider society
Have you tried speaking to a specialist broker on the telephone? While the web is very convenient, these days rarely is it the cheapest option, not least because it is dominated by a few big players who know you are unlikely to shop around beyond the web. My first wife had five fault accidents in 18 months and became pretty much uninsurable but a specialist broker sorted us out very reasonably. These days I insure all five of my cars through a broker and they always beat the comparison site prices.
I'm just emerging from my teenage youth 
Realistically the only viable option for my first year was to be a named driver. By the end of that year I was driving the car much more than my mum, so I had a look at renewal time and it was cheaper to have it on my own insurance.
I paid 1800 for the first year and more or less then same for the second.
It hurts.
Realistically the only viable option for my first year was to be a named driver. By the end of that year I was driving the car much more than my mum, so I had a look at renewal time and it was cheaper to have it on my own insurance.
I paid 1800 for the first year and more or less then same for the second.
It hurts.
People in 'a relationship' are better bets to the insurance industry.
add a young lady to the policy as a partner (she doesn't even have to know about it, she will never be driving the car.
as a kid, i always did this, and it dropped the premiums significantly.
also, try co-op, for my first ever year, they were loads cheaper than anyone else, subsequent years however!!!!!
add a young lady to the policy as a partner (she doesn't even have to know about it, she will never be driving the car.
as a kid, i always did this, and it dropped the premiums significantly.
also, try co-op, for my first ever year, they were loads cheaper than anyone else, subsequent years however!!!!!
matthias73 said:
Realistically the only viable option for my first year was to be a named driver. By the end of that year I was driving the car much more than my mum, so I had a look at renewal time and it was cheaper to have it on my own insurance.
Really? When I was 17 (3 years ago) I stupidly insured myself as a named driver on the Astra, no knowing that my Mum's NCD wouldn't be applied to the policy. Once that was amended, it worked out exactly the same as it would have if I had just gone on my own policy. And I didn't get a years NCD
I was declared as the main driver of the car though, so I believe that is not fronting?
SystemParanoia said:
LEI LEI LEI like your life depends on it.
take on the policy claiming he's on provisional.. then claim he's passed a week later, keeping the lower premium.
if i did everything 100% truthful for my mrs, wed be paying over £2000 for insurance on a 1.0 suzuki swift.
lies, truth bending and a little deception gets in down to £900
thieving f
kers
Well done on paying £900 to not be insured.take on the policy claiming he's on provisional.. then claim he's passed a week later, keeping the lower premium.
if i did everything 100% truthful for my mrs, wed be paying over £2000 for insurance on a 1.0 suzuki swift.
lies, truth bending and a little deception gets in down to £900
thieving f
kers
Soovy said:
SystemParanoia said:
LEI LEI LEI like your life depends on it.
take on the policy claiming he's on provisional.. then claim he's passed a week later, keeping the lower premium.
if i did everything 100% truthful for my mrs, wed be paying over £2000 for insurance on a 1.0 suzuki swift.
lies, truth bending and a little deception gets in down to £900
thieving fkers
i pay under £200 to insure my 4x4 .. that is a fair pricetake on the policy claiming he's on provisional.. then claim he's passed a week later, keeping the lower premium.
if i did everything 100% truthful for my mrs, wed be paying over £2000 for insurance on a 1.0 suzuki swift.
lies, truth bending and a little deception gets in down to £900
thieving f
kersroadcars all cost WAY more.. yet have smaller engines and less spec in comparison
Well done on paying £900 to not be insured.
Usually I come on these threads and can find a much cheaper quote than the OP suggests. In this case I can't! The cheapest I've found for a 17yr and 2month old is £3730 for 10months TPF&T on a Pug 106 1.5d 
Wait until he's 18 is my advice. Although buying his car now could be a good idea, insurance tends to be cheaper the longer you've owned the car.
Wait until he's 18 is my advice. Although buying his car now could be a good idea, insurance tends to be cheaper the longer you've owned the car.
CraigyMc said:
# Wait until next year as that's when gender equality in insurance kicks in. http://www.moneysavingexpert.com/news/insurance/20...
C
And do we think young lads insurance will drop £3000 or do we think the girls will go up £3000?C
madbadger said:
And do we think young lads insurance will drop £3000 or do we think the girls will go up £3000?
From what I can gather, insurance for girls is meant to go up a lot, and insurance for young lads is meant to come down a small amount. Whether that will actually happen or not is a totally different question!
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