17yr old daughter -Car and Insurance suggestions
Discussion
Well it's that time of life where I will be laying in bed at night listening for the sound of my daughters car coming home before I can get some sleep.
She is 17(just) and is starting driving lessons. Neither my car nor my wifes (big 4 x 4 diesel) is suitable for her to practise in between lessons. She has been saving a little money and we will help her with the rest to buy her a car upto around £1500. I am thinking of a Clio but am open to other suggestions. I would also like suggestions for insurance companies that won't keep me devoid of cash for the next 3 years.
On another point I look at her and think she is far too young to drive but it will be quite nice not being a taxi service to her for college and her part time job. Do you think 17 is too young to be in control of a car? (she is though pretty good on the Karts)
She is 17(just) and is starting driving lessons. Neither my car nor my wifes (big 4 x 4 diesel) is suitable for her to practise in between lessons. She has been saving a little money and we will help her with the rest to buy her a car upto around £1500. I am thinking of a Clio but am open to other suggestions. I would also like suggestions for insurance companies that won't keep me devoid of cash for the next 3 years.
On another point I look at her and think she is far too young to drive but it will be quite nice not being a taxi service to her for college and her part time job. Do you think 17 is too young to be in control of a car? (she is though pretty good on the Karts)
phase 3 clio is a reasonable starter car, the 1.2 is frugal and perfect for a learner. it as a few airbags and things and the wings are plastic and pop in and out of shape easily. best of all, all round vision is good so there are no real blind spots. there is minimal bodywork in front or behind the wheels too which helps whilst learning about spatial awareness. you should be able to pick up a good 52-54 plate for £1500.
insurance will take up all of the £1500 and more though so you probably are better buying it in your name and running her as a named driver. there is no point paying through the nose just to get some no claims discount which is largely irrelevant for anyone under 21 these days...
insurance will take up all of the £1500 and more though so you probably are better buying it in your name and running her as a named driver. there is no point paying through the nose just to get some no claims discount which is largely irrelevant for anyone under 21 these days...
pablo said:
insurance will take up all of the £1500 and more though so you probably are better buying it in your name and running her as a named driver. there is no point paying through the nose just to get some no claims discount which is largely irrelevant for anyone under 21 these days...
awaits 300 replies from people telling you this is fraud and she'll end up in prison for 15 yearsTip: Find her insurance BEFORE you buy a car to avoid any nasty surprises.
Insurers will tell you on the phone what cars they rate lowest for young drivers and what the first year premium will be. Sometimes you can find quite a decent car which is low rated simply because not many other kids own/crash them. Premium is almost certainly going to be lower if you/your wife are named as drivers on the policy.
Insurers will tell you on the phone what cars they rate lowest for young drivers and what the first year premium will be. Sometimes you can find quite a decent car which is low rated simply because not many other kids own/crash them. Premium is almost certainly going to be lower if you/your wife are named as drivers on the policy.
Ozzie Osmond said:
Tip: Find her insurance BEFORE you buy a car to avoid any nasty surprises.
Insurers will tell you on the phone what cars they rate lowest for young drivers and what the first year premium will be. Sometimes you can find quite a decent car which is low rated simply because not many other kids own/crash them. Premium is almost certainly going to be lower if you/your wife are named as drivers on the policy.
This.Insurers will tell you on the phone what cars they rate lowest for young drivers and what the first year premium will be. Sometimes you can find quite a decent car which is low rated simply because not many other kids own/crash them. Premium is almost certainly going to be lower if you/your wife are named as drivers on the policy.
The normal Clio/Corsa/Saxo type of car is expensive to insure because it is popular with that age group.
Get something a bit more unusual, or bigger and the insurance could be a lot less.
Ok well Ive made a ton of assumptions... But here goes!
Your wife as a main driver, you added on the premium, and your daughter named (daughter held full UK Licence for 1 month) - 7k miles p.a, parked on drive, med risk postcode etc etc
VW Polo (1.4) - £1,400 from Diamond / Elephant
Ford KA (SportKa 1.6) - £1500 from Diamond
Ford KA (NormalKa 1.3) - £1150 from Diamond
Hell a BMW 535i is 'only'£2,200......
My brother is getting £3.5k + quotes on a Corsa! Girls have it easy.
ETA: Looked at your garage and got a quote for the Porsche! - Are you sitting down?
£29k - £36k p.a premium!!
Your wife as a main driver, you added on the premium, and your daughter named (daughter held full UK Licence for 1 month) - 7k miles p.a, parked on drive, med risk postcode etc etc
VW Polo (1.4) - £1,400 from Diamond / Elephant
Ford KA (SportKa 1.6) - £1500 from Diamond
Ford KA (NormalKa 1.3) - £1150 from Diamond
Hell a BMW 535i is 'only'£2,200......
My brother is getting £3.5k + quotes on a Corsa! Girls have it easy.
ETA: Looked at your garage and got a quote for the Porsche! - Are you sitting down?
£29k - £36k p.a premium!!
Edited by OMNIO on Monday 10th October 17:06
OMNIO said:
Ok well Ive made a ton of assumptions... But here goes!
Your wife as a main driver, you added on the premium, and your daughter named (daughter held full UK Licence for 1 month) - 7k miles p.a, parked on drive, med risk postcode etc etc
VW Polo (1.4) - £1,400 from Diamond / Elephant
Ford KA (SportKa 1.6) - £1500 from Diamond
Ford KA (NormalKa 1.3) - £1150 from Diamond
Hell a BMW 535i is 'only'£2,200......
My brother is getting £3.5k + quotes on a Corsa! Girls have it easy.
But.. thats fraud.. Ring admiral, they seem best for under 21s.Your wife as a main driver, you added on the premium, and your daughter named (daughter held full UK Licence for 1 month) - 7k miles p.a, parked on drive, med risk postcode etc etc
VW Polo (1.4) - £1,400 from Diamond / Elephant
Ford KA (SportKa 1.6) - £1500 from Diamond
Ford KA (NormalKa 1.3) - £1150 from Diamond
Hell a BMW 535i is 'only'£2,200......
My brother is getting £3.5k + quotes on a Corsa! Girls have it easy.
As i have said on other posts, cheap quotes are to be had.
Im 19, ive been quoted £900 to insure a noble m12 (the 2.5 liter version, granted, the 3.0 was £1500)
Just make sure you have your daughter as the named driver!
Benbay001 said:
But.. thats fraud..
You need to look at how much it is once she has passed and the 'responsible adult' is removed from the passenger seat. The prices above are probably going to be much cheaper if i switched the license to 'provisional' rather than 'full UK'In fact as the window was open...
1.3 Ka - Provisional Licence - £957.
My cars have always been in my name however I've always had at least 1 parent as a named driver. I passed my test when I was 18 and the first car I had in my own name was a 1.4l Grande Punto Active sport. Insurance was well over a grand but just adding a parent as a named driver (my mum wanted to share my car) actually reduced my premium quite a bit to a tad under £800 (considering I am a male from essex I thought that was quite good!). It also meant as it was my own policy that I earned my own NCB. Might be worth checking prices of getting a car for your daughter in her own name but adding you and your mrs as a named driver? Cheers, Ant.
Spantney said:
My cars have always been in my name however I've always had at least 1 parent as a named driver. I passed my test when I was 18 and the first car I had in my own name was a 1.4l Grande Punto Active sport. Insurance was well over a grand but just adding a parent as a named driver (my mum wanted to share my car) actually reduced my premium quite a bit to a tad under £800 (considering I am a male from essex I thought that was quite good!). It also meant as it was my own policy that I earned my own NCB. Might be worth checking prices of getting a car for your daughter in her own name but adding you and your mrs as a named driver? Cheers, Ant.
Definitely do this. I'm 25 and even now putting my mum on there brought my premium down loads, even though if i ever let her behind the wheel it's more likely to end up in a claim than if i didn't. 
you might not want to read this then
http://www.autoblog.com/2011/10/10/image-needed-yo...
We are utterly utterly ripped off in this country
http://www.autoblog.com/2011/10/10/image-needed-yo...
We are utterly utterly ripped off in this country
ludicrous speed said:
Spantney said:
My cars have always been in my name however I've always had at least 1 parent as a named driver. I passed my test when I was 18 and the first car I had in my own name was a 1.4l Grande Punto Active sport. Insurance was well over a grand but just adding a parent as a named driver (my mum wanted to share my car) actually reduced my premium quite a bit to a tad under £800 (considering I am a male from essex I thought that was quite good!). It also meant as it was my own policy that I earned my own NCB. Might be worth checking prices of getting a car for your daughter in her own name but adding you and your mrs as a named driver? Cheers, Ant.
Definitely do this. I'm 25 and even now putting my mum on there brought my premium down loads, even though if i ever let her behind the wheel it's more likely to end up in a claim than if i didn't. 
jbi said:
you might not want to read this then
http://www.autoblog.com/2011/10/10/image-needed-yo...
We are utterly utterly ripped off in this country
What a shttp://www.autoblog.com/2011/10/10/image-needed-yo...
We are utterly utterly ripped off in this country
tey article. Can't imagine there are many idiots who are willing to pay/can afford SEVEN THOUSANDS POUNDS a year to insure a Picanto. Just because they've got a quote for 7k, doesn't mean anyone pays it.I've spent the last week biffing around Mallorca in a Kia Picanto 1.0 and it's actually not that bad a car, although the steering is pretty horrid and it's a bit slow.
My choice would be a Fiat Panda. They're pretty safe, reliable and nice to drive as well and £1,500 should get an 04 plate one. We had a 1.2 Dynamic from new in 2004 for 4 years and 45k miles before replacing it with a new 500 in 2008 and I actually preferred the Panda, although Mrs JBAE likes her 500 better as it is pretty!
The Ka is the default option though, insurance group 2 and great fun, just look out for rust.
My choice would be a Fiat Panda. They're pretty safe, reliable and nice to drive as well and £1,500 should get an 04 plate one. We had a 1.2 Dynamic from new in 2004 for 4 years and 45k miles before replacing it with a new 500 in 2008 and I actually preferred the Panda, although Mrs JBAE likes her 500 better as it is pretty!
The Ka is the default option though, insurance group 2 and great fun, just look out for rust.
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