Young people car insurance advice, how to get it cheap(er)?
Discussion
I no longer use comparison sites for insurance - they are convenient but IME are more expensive. (I insure four vehicles at the moment and not one of them through a comparison site now!)
The main two cars are insured through DirectLine who were approx. 25% cheaper than the comparison sites. The other two are insured through specialists for a little over £100 each.
The main two cars are insured through DirectLine who were approx. 25% cheaper than the comparison sites. The other two are insured through specialists for a little over £100 each.
mike9009 said:
I no longer use comparison sites for insurance - they are convenient but IME are more expensive. (I insure four vehicles at the moment and not one of them through a comparison site now!)
The main two cars are insured through DirectLine who were approx. 25% cheaper than the comparison sites. The other two are insured through specialists for a little over £100 each.
And this is exactly why its important to check various companies and sites. Comparison sites this year were cheaper for me, but a couple of years ago were more expensive than going direct.The main two cars are insured through DirectLine who were approx. 25% cheaper than the comparison sites. The other two are insured through specialists for a little over £100 each.
try a different car. I sometimes find popular young drivers cars attract weirdly expensive insurance. Then when you have a quote from price comparison websites, go direct to the website and enter all the details again. I actually found esure would allow "experience driving other vehicles" as a sort of NCD which comparison websites don't ask, dropped my second car insurance from £650 to £530. Then (and I can thank Martin Lewis for this) put in the cover start date 27 days in the future. Apparently this is the best time. My other half did this and saved £350. She just called up when she bought the car and asked to have that quote start today, the provider were more than happy.
Early (Circa 2003) Mini's are cheap and seem to be reliable enough. then the obvious Aygo, Corsa etc. My other half got an Astra H EasyTronic 1.6 (I think!) and that had cheap insurance too.
Early (Circa 2003) Mini's are cheap and seem to be reliable enough. then the obvious Aygo, Corsa etc. My other half got an Astra H EasyTronic 1.6 (I think!) and that had cheap insurance too.
Daughter passed October last year aged 17 1/2. Paying £900 on a Mini Cooper 1.6 with Tesco black box (no restrictions) mum and dad on policy and 6000 miles a year in Chelmsford. It’s also cheaper to top up the extra miles after finishing the 6k miles rather loading it on at the front. The daughter has managed to do 8,000 miles already
Edited by sjc on Saturday 18th May 15:48
Condi said:
Lindun said:
. In the mid 80s, I was paying £350 to insure a 10 year old Polo and that probably equates to something similar now when adjusted for inflation.
Just over £1k adjusted from 1985 to 2018 figures. Either way Access to justice bill and the creation of No Win No Fee easily accounts for the rest.
I'd recommend the cheapest (likely BlackBox) fully comprehensive Policy with just a few thousand miles and a £700something excess.
I have found it cheaper to buy a low miles Blackbox policy, and the add them later. Rather than simply a policy with say 10k miles and low excess, f
k knows why.
All quotes nowadays are high for new drivers. Bite the bullet and it should go down after a year so long she stays out of trouble.
I went from paying almost £3k to insure a 1.2 Fiesta (first car) third party with a Black box for 8k miles over 10 Months and a years no claims, to a Saab 93 Turbo for £1,006 fully comp for 6k miles for a year! It would cost me about 150 quid to add another 2k miles to the same policy...
I have found it cheaper to buy a low miles Blackbox policy, and the add them later. Rather than simply a policy with say 10k miles and low excess, f
k knows why.All quotes nowadays are high for new drivers. Bite the bullet and it should go down after a year so long she stays out of trouble.
I went from paying almost £3k to insure a 1.2 Fiesta (first car) third party with a Black box for 8k miles over 10 Months and a years no claims, to a Saab 93 Turbo for £1,006 fully comp for 6k miles for a year! It would cost me about 150 quid to add another 2k miles to the same policy...
Edited by JCollins on Saturday 18th May 22:03
Lindun said:
Condi said:
Lindun said:
. In the mid 80s, I was paying £350 to insure a 10 year old Polo and that probably equates to something similar now when adjusted for inflation.
Just over £1k adjusted from 1985 to 2018 figures. My point was more that people look through rose tinted spectacles, and that while people pay more these days, when adjusted for inflation its not that much more than 30 years ago.
Condi said:
What would you like me to have taken from it?
My point was more that people look through rose tinted spectacles, and that while people pay more these days, when adjusted for inflation its not that much more than 30 years ago.
Anything at all about the reasons it’s so high and explaining why FC is cheaper than TPF&TMy point was more that people look through rose tinted spectacles, and that while people pay more these days, when adjusted for inflation its not that much more than 30 years ago.
I passed my test in 2008 and paid £3600 for a 1.6 Rover. I was 17, lived in the worst part of Bristol, car parked on the street, 20,000 miles a year etc.
Two years later I had a 300bhp Impreza at age 19 and insurance was £2800. Slightly nicer area but same mileage.
Experience and NCB goes a long way, whatever you get quoted will be in the thousands for the first year of insurance so best to grin and bear it, and reinforce the importance to the offspring why it's best not to crash.
Two years later I had a 300bhp Impreza at age 19 and insurance was £2800. Slightly nicer area but same mileage.
Experience and NCB goes a long way, whatever you get quoted will be in the thousands for the first year of insurance so best to grin and bear it, and reinforce the importance to the offspring why it's best not to crash.
Lindun said:
Condi said:
What would you like me to have taken from it?
My point was more that people look through rose tinted spectacles, and that while people pay more these days, when adjusted for inflation its not that much more than 30 years ago.
Anything at all about the reasons it’s so high and explaining why FC is cheaper than TPF&TMy point was more that people look through rose tinted spectacles, and that while people pay more these days, when adjusted for inflation its not that much more than 30 years ago.
Young people should insure in their own name to get NCB as soon as possible and name a parent with the best driving record on the policy. My daughter got a comp £450 policy on a 1.0 VW Up! When she was 19. It’s now down to <£350. That is on my multicar policy with Aviva (who are also not on comparison sites) it allows her to have cover in her name, build her own NCB, Her car has its own certificate in her name with me named, she now has 3 years NCB. This only works if they still live at home - don’t try saying they do when they don’t.
Edited by elanfan on Sunday 19th May 06:24
Edited by elanfan on Sunday 19th May 07:00
When I was 18 in 2005 I got quoted £3000 by one company to insure an 11 year old Fiesta 1.3, I understand young drivers are a high risk etc but think sometimes insurers are saying they don't want the business when they quote lots of money. This year the insurer I was with quoted me £1600 to insure my Focus with them again! No claims or anything in the previous year but they obviously didn't want me to renew with them.
The car you've chosen is 19 years old. No wonder insurance is high. At this age it's all about the tp liability and a 19 y/0 car has far fewer passenger safety features, no air bags etc. A Micra is a great choice, unpopular with young drivers which helps, but get a quote of a far newer one. No more that 5 years old.
Get quotes for comp, mum and dad as additional drivers, don't worry about excess as she'll have a high compulsory excess anyway. Black box will save lots of money.
Get quotes for comp, mum and dad as additional drivers, don't worry about excess as she'll have a high compulsory excess anyway. Black box will save lots of money.
Newer cars = cheaper prices
Insurance groups don’t mean everything. My son was quoted £350 cheaper (sub £1k on a comparison site which is excellent, obviously cheaper through the phone) on a 105bhp Mini with JCW bits (cosmetic) than a 49bhp Up
Mini is group 14 and Up is group 1 IIRC
Also generally the cheapest quotes he got were cars costing £5k+
The most expensive cars to insure where the sttest (pre 2005) . And also the most desirable/commonly purchased Hence corsa , fiesta etc were all more expensive to insure than a Ford mondeo
Anything german (bar a Volkswagen) is a no no to insurers.
He did get a really good (£1400) quote on a BMW 218i
Insurance groups don’t mean everything. My son was quoted £350 cheaper (sub £1k on a comparison site which is excellent, obviously cheaper through the phone) on a 105bhp Mini with JCW bits (cosmetic) than a 49bhp Up
Mini is group 14 and Up is group 1 IIRC
Also generally the cheapest quotes he got were cars costing £5k+
The most expensive cars to insure where the s
ttest (pre 2005) . And also the most desirable/commonly purchased Hence corsa , fiesta etc were all more expensive to insure than a Ford mondeoAnything german (bar a Volkswagen) is a no no to insurers.
He did get a really good (£1400) quote on a BMW 218i
sleepera6 said:
Newer cars = cheaper prices
Insurance groups don’t mean everything. My son was quoted £350 cheaper (sub £1k on a comparison site which is excellent, obviously cheaper through the phone) on a 105bhp Mini with JCW bits (cosmetic) than a 49bhp Up
Mini is group 14 and Up is group 1 IIRC
Also generally the cheapest quotes he got were cars costing £5k+
The most expensive cars to insure where the sttest (pre 2005) . And also the most desirable/commonly purchased Hence corsa , fiesta etc were all more expensive to insure than a Ford mondeo
Anything german (bar a Volkswagen) is a no no to insurers.
He did get a really good (£1400) quote on a BMW 218i
Insurance groups relate primarily to the cost to repair a vehicle. It has little to nothing to do with the risk a car presents from a third party perspective. As a result a low group car can give a higher price than a higher group car. Insurance groups don’t mean everything. My son was quoted £350 cheaper (sub £1k on a comparison site which is excellent, obviously cheaper through the phone) on a 105bhp Mini with JCW bits (cosmetic) than a 49bhp Up
Mini is group 14 and Up is group 1 IIRC
Also generally the cheapest quotes he got were cars costing £5k+
The most expensive cars to insure where the s
ttest (pre 2005) . And also the most desirable/commonly purchased Hence corsa , fiesta etc were all more expensive to insure than a Ford mondeoAnything german (bar a Volkswagen) is a no no to insurers.
He did get a really good (£1400) quote on a BMW 218i
There is no one simple driving factor behind insurance pricing. That’s why people claim it’s so unfair, when in reality the multiple different factors do provide a quote that’s more tailored than people would like to admit, although it’s still far from bespoke.
bigandclever said:
Change to a comprehensive policy, not TPO.
Increase excess to a grand (I know, but try it...).
Add yourself as a second driver to her policy.
Personally I’d avoid a black box policy, but having one will probably reduce the premium.
What parent wouldn't want their child to drive as safely as possible?Increase excess to a grand (I know, but try it...).
Add yourself as a second driver to her policy.
Personally I’d avoid a black box policy, but having one will probably reduce the premium.
Black boxes aren't perfect, but they do help stop errant behaviour in cars, and I'd say that would be a good thing for parents, even if they wouldn't tolerate the things themselves.
Do as I say not as I do, etc.
5 years ago when I had the same dilemma and having carried out similar research, I bought a 'family' car (which I still own) and then took out an Admiral Multicar policy:
https://www.admiral.com/magazine/guides/car-insura...
Daughter was 17 and learning to drive and her brother 2 years her senior had already passed but wasn't in a hurry to own a vehicle. So car is registered to me and kids (and wife) are down as named drivers however they do also accrue individual NCB (though not sure how flexible this is in terms of insuring a separate car with a completely different insurance company). I can't remember the exact premium but probably in the £500 ballpark, though this did mean using all the years of NCB from my main (big engined) car and having to start from zero there which bumps that premium up slightly.
Rather than bargain bucket, I went for something that I would be happy to drive and be in and settled for a then 6 year old 1.4 Ford Fiesta with a host of features. I wasn't about to be sitting in a car with no aircon doling out driving instructions in the middle of a blazing summer! Also, once test is passed and they become reasonably accomplished which happens quickly if they are sensible, there is then the immediate need for options such as bluetooth for calls and being able to listen to music off their phone and car had that covered. Thats said, is easy enough to retrofit this into any car nowadays.
Worked out OK as well as being cost effective in insurance terms
https://www.admiral.com/magazine/guides/car-insura...
Daughter was 17 and learning to drive and her brother 2 years her senior had already passed but wasn't in a hurry to own a vehicle. So car is registered to me and kids (and wife) are down as named drivers however they do also accrue individual NCB (though not sure how flexible this is in terms of insuring a separate car with a completely different insurance company). I can't remember the exact premium but probably in the £500 ballpark, though this did mean using all the years of NCB from my main (big engined) car and having to start from zero there which bumps that premium up slightly.
Rather than bargain bucket, I went for something that I would be happy to drive and be in and settled for a then 6 year old 1.4 Ford Fiesta with a host of features. I wasn't about to be sitting in a car with no aircon doling out driving instructions in the middle of a blazing summer! Also, once test is passed and they become reasonably accomplished which happens quickly if they are sensible, there is then the immediate need for options such as bluetooth for calls and being able to listen to music off their phone and car had that covered. Thats said, is easy enough to retrofit this into any car nowadays.
Worked out OK as well as being cost effective in insurance terms
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