17 Year old Sons First Car (Whats Cheapest)

[S2Mike]

My son, just 17 wants a car, but finding insurance absolutely hoorrendous.
1987 Fiesta 1.25 £1000 per year while learning, then when passed test £3500pa
1983 Mini 998 £995pa on Provisional licence £3250 when on full licence
With the car only costing £400-£600 this is getting very expensive.
Anyone sorted this problem recently, any advice welcome.
We have been down the road of: add onto my insurance or his Mums as named driver but this only delays the problem until when he wants a Subaru Impreza in 5 years time and gets his own insurance, or not as the case will be!!!
Destined to ride his push bike for life.!

[23rdian]

I wouldn't even bother unless you can get some reasonable quotes < £1500

[Silver940]

Try classic cars, or at least something you can issue on a classic policy? Old mini's cortina's Beetles etc. Seen a few youngsters our way driving them. I know there are safety issues in them driving old bangers but you have to start somewhere.

[Cupramax]

S2Mike said:

We have been down the road of: add onto my insurance or his Mums as named driver

Thats fraud unless he is genuinely the second driver.

Interesting to see how this has changed over time. I had my first car in 1984. A Hillman Imp It cost me £320 to insure at 17 which equates to £800 today when using the retail price index.

[Jamie VTS]

Like it or Lump it, there is no cheap way. My insurance so far has been £1700, £1100 and £900 (corsa, astra & C2) things like adding yourself or partner onto his insurance will drop the premium. Unfortunately insruance is only going to get more expensive. I know nothing about it, but black box type polocies may be worth looking in to?

[djfaulkner]

S2Mike said:

We have been down the road of: add onto my insurance or his Mums as named driver but this only delays the problem until when he wants a Subaru Impreza in 5 years time and gets his own insurance, or not as the case will be!!!

What about if he adds you and the Mrs to his policy?

He can still earn his no-claims and insurance history and you are fully covered if you drive his car.

[vit4]

S2Mike said:

My son, just 17 wants a car, but finding insurance absolutely hoorrendous.
1987 Fiesta 1.25 £1000 per year while learning, then when passed test £3500pa
1983 Mini 998 £995pa on Provisional licence £3250 when on full licence
With the car only costing £400-£600 this is getting very expensive.
Anyone sorted this problem recently, any advice welcome.
We have been down the road of: add onto my insurance or his Mums as named driver but this only delays the problem until when he wants a Subaru Impreza in 5 years time and gets his own insurance, or not as the case will be!!!
Destined to ride his push bike for life.!

Do you mean '97 1.25 Fiesta? 1.25 was only introduced in the mk4 I think, and they are NOT cheap to insure; for me to have the gf's one in my name would cost around £3500 as opposed to the £2k I pay on my Astra.


Try classic insurance on the Mini (or anything over 15 years old), and it should be a LOT cheaper. If you search for 'classic insurance under 21' a Confused link will be the third one down. My mate got around £1500 off doing this, on an old Micra. Still £2500, but a damn site better than nearly £4000! If you can get anything less than that bite their arm off.

[DaveZX]

Silver940 said:

Try classic cars, or at least something you can issue on a classic policy? Old mini's cortina's Beetles etc. Seen a few youngsters our way driving them. I know there are safety issues in them driving old bangers but you have to start somewhere.

^^^This

Get him a Morris Minor, join the owners club and see insurance for less than 1k

[Silver940]

DaveZX said:

Silver940 said:

Try classic cars, or at least something you can issue on a classic policy? Old mini's cortina's Beetles etc. Seen a few youngsters our way driving them. I know there are safety issues in them driving old bangers but you have to start somewhere.

^^^This

Get him a Morris Minor, join the owners club and see insurance for less than 1k

So crap it's nearly cool:

http://www.pistonheads.com/sales/3491377.htm

[sparkyhx]

[zaphod42]

Silver940 said:

So crap it's nearly cool:
http://www.pistonheads.com/sales/3491377.htm

That's also one of the most honest adverts I have ever seen...

[Silver940]

Classic with the safety aspect covered?

http://www.carandclassic.co.uk/car/C269414

[5charlie46]

panda 1.1 active was cheap for my sister and Seat Arosas (which she got) but the lupo was dear :S

1.0 corsa C's are another good one, although horrid to drive (quite like the 1.0 engine though)

[Shaw Tarse]

Silver940 said:

So crap it's nearly cool:

http://www.pistonheads.com/sales/3491377.htm

I like that

Do "classic" policies allow someone to build up NCB?

[StottyZr]

Add his grandparents as additional drivers.

HTH

[wackojacko]

Highly recommend an Admiral Multi Car policy.

[pscl227]

Get him a moped?

[tim-b]

Shaw Tarse said:

Silver940 said:

So crap it's nearly cool:

http://www.pistonheads.com/sales/3491377.htm

I like that

Do "classic" policies allow someone to build up NCB?

In some (most?) cases no....as I found out the hard way after loosing 8yrs crash/claim free.

But I suppose it would at least allow OP's son to be able to drive something until he's old enough that premiums become more sensible.

[KeyR1]

Shaw Tarse said:

I like that

Do "classic" policies allow someone to build up NCB?

No they don't unforutunately.

However a classic Mini from 1960 - 1970 or a beetle would do.

Best bet is to look at a 1 lite Corsa or a Saxo 1.1. make sure they are from 1999 - 2003 as for some reason over 13 year old cars for my brother made the quotes go up even if the value of them was slightly more.

[DannyScene]

OP I'm looking to get my first car very soon and the quotes have really suprised me

1.2 Clio 2000 £2200
1.4 Corsa 2001 £2500
2.0 N/A Tbar MR2 1994/5 £1900

Be rude not to really wouldn't it