Insurance for 17 yr - way round ?
Discussion
My son will be 17 in a few months and is desperate to start driving. We're not keen on him having a scooter (although I've always fancied one 
) as we'd like him to see his 18th birthday.
A colleague suggested buying a shed of a scooter and insuring it for a couple of years under my sons name, thereby building up a NCB for him, in advance of me buying him his first car.
Anyone know if this would be worth the effort ?
) as we'd like him to see his 18th birthday.A colleague suggested buying a shed of a scooter and insuring it for a couple of years under my sons name, thereby building up a NCB for him, in advance of me buying him his first car.
Anyone know if this would be worth the effort ?
Edited by shipley on Saturday 8th October 16:37
Shaw Tarse said:
There was a similar thread, I think there was some question as to whether NCB can be transferred from a motorcycle to a car?
My brother did 6 years or so ago with 2yrs NCB from his scooter, but I don't know if they accept it now best to check if NCB is a general thing or separate for vehicle classes!!Just let him have a scooter, as well as possibly earning NCB, your son may also learn some valuable road sense.
Yes I know he may lose a leg/arm/die. delete as necessary, but that can just as easily happen in a car.
Sits back and waits for daily mail readers to start the "bikes kill riders and their pets" comments
Yes I know he may lose a leg/arm/die. delete as necessary, but that can just as easily happen in a car.
Sits back and waits for daily mail readers to start the "bikes kill riders and their pets" comments
snuffle said:
Just let him have a scooter, as well as possibly earning NCB, your son may also learn some valuable road sense.
Yes I know he may lose a leg/arm/die. delete as necessary, but that can just as easily happen in a car.
Sits back and waits for daily mail readers to start the "bikes kill riders and their pets" comments
Agreed. Learning to read traffic is more important than the insurance saving.Yes I know he may lose a leg/arm/die. delete as necessary, but that can just as easily happen in a car.
Sits back and waits for daily mail readers to start the "bikes kill riders and their pets" comments
snuffle said:
Just let him have a scooter, as well as possibly earning NCB, your son may also learn some valuable road sense.
Yes I know he may lose a leg/arm/die. delete as necessary, but that can just as easily happen in a car.
Sits back and waits for daily mail readers to start the "bikes kill riders and their pets" comments
Not sure I agree with that..... Yes I know he may lose a leg/arm/die. delete as necessary, but that can just as easily happen in a car.
Sits back and waits for daily mail readers to start the "bikes kill riders and their pets" comments
18 here, on the co op young driver insurance scheme (GPS box installed) and it reduces the preimum down by a lot (£1000's)for me and it isn't so bad as long as you aren't driving a lot at unsociable hours and going over the speed limit or taking corners too quickly.
It works on a points system and if your score is high enough after 90 months they refund you 11% of your premium.
It works on a points system and if your score is high enough after 90 months they refund you 11% of your premium.
Try the co-op insurance who will fit a tracking device which reduces the insurance by a vast amount,
My 17yr old son has saved over £3000 pound on fully comp insurance and recieves cash back sums quarterly so long as he drives responsibly, basically doesnt speed, so I can also get piece of mind from this and hes building his NCB rather than being a named driver on someone elses policy.
My 17yr old son has saved over £3000 pound on fully comp insurance and recieves cash back sums quarterly so long as he drives responsibly, basically doesnt speed, so I can also get piece of mind from this and hes building his NCB rather than being a named driver on someone elses policy.
PimpmyHotwheels said:
It works on a points system and if your score is high enough after 90 months they refund you 11% of your premium.
Are you sure its 90 months? 7.5 years is a long time to wait for a refund.OP, check out Collingwood Insurance services, my lad is 17 on Monday and I've spent the morning looking at quotes, they have come out the cheapest so far, by a long way.
Edited by DHE on Saturday 8th October 18:59
shipley said:
Thanks all - some great advice and pointers.
Looks like its a clapped out Micra for him...I'll also buy him a false beard and glasses so no one recognises him !!
I wouldn't even count on that being affordable, expect to pay somewhere north of £2.5k for that. If you relly want him to be driving and can afford insurance then look at even older hatches like Mk1/2 Fiestas or breadvan Polos etc... They seem to be the only cars that a 17 year old can insure for less than £2k. Looks like its a clapped out Micra for him...I'll also buy him a false beard and glasses so no one recognises him !!
PimpmyHotwheels said:
18 here, on the co op young driver insurance scheme (GPS box installed) and it reduces the preimum down by a lot (£1000's)for me and it isn't so bad as long as you aren't driving a lot at unsociable hours and going over the speed limit or taking corners too quickly.
It works on a points system and if your score is high enough after 90 months they refund you 11% of your premium.
Blimey, I just ran a quote through their system, and despite their best deal being £1200 more expensive than what Admiral charge me at the moment (19 year old, 1.8 Ford Focus) I can alter the premium by over £300 by changing my answer to the (ludicrous) question 'What time do you usually arrive for meetings' from '10 minutes early' to 'Late'. It works on a points system and if your score is high enough after 90 months they refund you 11% of your premium.
Oh, and one of the ways it measures your safe driving is through cornering force. So don't bother fitting some Michelins, just go with Ling Longs and drive everywhere at 11/10ths in the rain and you'll be fine. And even think about driving on all those empty roads after 11pm. Admitting that I drove after their curfew 'weekly' added £200 to my premium.
I think I'll stick with the man-what-commands-navies, thanks!
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