Insurance options for a 17 year old

[Landlord]

Hey,

My nephew passed his test today (hooray for him).

I've given him my old car (a 1.4 Astra - M reg '94) value is pretty much nothing but it's road worthy with an MOT etc.

However, it seems his best quote is circa £5,000.

Anyone have any suggestions as to how/who to contact to see if he can get a more affordable quote?

Thanks!
Phil.

[soad]

£5k to insure a cheap snotter? Madness.
Still, statistically he's a high risk i suppose.

Good luck!

[60]

Admiral/bell/elephant were (are) the cheapest since I started driving.

[MarJay]

I think you may have to sell the 1.4 Astra and buy something that isn't stratospheric to insure...

Isn't it obvious that anything that has a bigger engine than 1.1l and that is a hatch will be shocking to insure? Or am I missing something?

[OMNIO]

Add parents to the policy

Play around on comparison sites adjusting the excess + and - to see how it affects the premium

play around with milage but don't lie

[vescaegg]

1.4l is HUGE (for a 17 year old to get insured reasonably on)

[Soovy]

Sorry mate but a 1.4 Astra will be seen as a deathrap in the hands of a 178 year old on his own (and not just for him either).

I reckon you might have to get rid and get something smaller.

[OMNIO]

OMNIO said:

Add parents to the policy

Play around on comparison sites adjusting the excess + and - to see how it affects the premium

play around with milage but don't lie

[Kozy]

£5k sounds about right.

He has two options.

1. Get the anal lube out and pay up.
2. Don't pay up, and get the anal lube out when he gets caught.

[Mr Trophy]

soad said:

£5k to insure a cheap snotter? Madness.
Still, statistically he's a high risk i suppose.

Good luck!

I was £2,500 when I was 17 on my Fiat Punto 1.2

[Liquid Knight]

My nephew having the same problem. Just read the age discrimination act down the phone and tell the brokers to stop taking the urine.

[Donatello]

Just shop around. I got a Saxo VTR as my first car (mad 17 year old who thought it would be 'cool').

£1,600 for the year, 8,000 miles (I did about 5k...), £500 voluntary and £250 compulsory excess and a car worth £2.5k...

It can be done, I just put my old man on as a named driver and shopped around! It may not be possible to sell the Astra and buy a 1.0ltr so just shop around...

[itz_baseline]

Soovy said:

Sorry mate but a 1.4 Astra will be seen as a deathrap in the hands of a 178 year old

I think anything driven by a 178 year old would be a deathtrap

[Andrew_M]

My 19 year old brother [about to take his test] is looking at £2k minimum for a cinquecento or similar. Not willing to part with cash he is getting a 125cc bike for a year which is <£200 TPF+T for a Honda CG125. A bit more manageable, but is slightly more dangerous in the hands of some teenagers. Once he has finished as a student and gets a job he will look at 4 wheels again...

[OllieC]

itz_baseline said:

I think anything driven by a 178 year old would be a deathtrap

Compulsary road tests for the over 170s needed now !

I had a 2 litre capri as my first car at 18 (10 years ago), The insurance was about £2,000.

I didnt die, nor did any other humans, but I callously massacred a pheasant.

[Landlord]

MarJay said:

I think you may have to sell the 1.4 Astra and buy something that isn't stratospheric to insure...

Isn't it obvious that anything that has a bigger engine than 1.1l and that is a hatch will be shocking to insure? Or am I missing something?

Yeah. You're missing the fact that I didn't have a 1.1l car to give away and that the Astra is worth fk all.

[Landlord]

Thanks everyone - some options to present to him.

I think his parents already are on his siblings policies. What about me? Could I be on his policy?

[ZOLLAR]

Liquid Knight said:

My nephew having the same problem. Just read the age discrimination act down the phone and tell the brokers to stop taking the urine.

You are joking right?.

[geeteeaye]

What a joke - is a 17 year old really that much more of a menace in an old 1.4 than a more modern 1.0/1.2 - many of which will be more powerful anyway.

[jpa3108]

I had the same problem just after I passes my test
If the car is worth very little go for third party f&t. I did this on my 1.2 corsa.
First year was 1800 but the first is always the worst
I'm with bell on a bonus accelerator at the moment - although they are only 10month policies the prices seem pretty decent and give you a full years no claims
Hope this helps a bit