insuring 17 year old male
Discussion
Got 2 sons,one 19 ..bought him a vw polo 1.2 e when he passed his test,cost me £3500 first year to insure (insane I know) ,my youngest is now due to take his test..so I ring up to get a quote fro a similar type car...current insurers wont insure him until he is 18,aside from them 2 quotes..£11000 and £9000
so can anyone point me to insurers who will cover a 17 yea rold male for less than 2-3 times th price of the car they are driving ?
so can anyone point me to insurers who will cover a 17 yea rold male for less than 2-3 times th price of the car they are driving ?
Good luck...
Add 2 additional drivers who 40+ with clean licences, this still halves my premiums even though I'm at the ripe old age of 22 now.
I'd just run quotes on all the usuals, comparethemarket, confused, then go directly to the cheapest quotes site and get another quote to see if it comes out cheaper.
Expect to pay lots, or better yet, make them get jobs and pay their own damn insurance if they want to drive!
Add 2 additional drivers who 40+ with clean licences, this still halves my premiums even though I'm at the ripe old age of 22 now.
I'd just run quotes on all the usuals, comparethemarket, confused, then go directly to the cheapest quotes site and get another quote to see if it comes out cheaper.
Expect to pay lots, or better yet, make them get jobs and pay their own damn insurance if they want to drive!
SWE6SPEED said:
I am 20 and have been driving cleanly since 17.
I got insured under admiral bell for my own insurance for a decent price.
make sure to have a few older named drivers.
That was a few years ago now... My first year (2007) was £1,350 on a 1.2 clio TPF&T. Don't underestimate how much the new drivers premiums have gone up in the last few years!I got insured under admiral bell for my own insurance for a decent price.
make sure to have a few older named drivers.
I found that building my son into our Admiral Multicar was by far the cheapest way.
Befor anyone shouts fronting, he has his own car, he is the main driver and my wife and I are named drivers. We have 4 cars in total and the discount makes his Ins sub £2k, Which is still laughable but better than what your getting.
Also try going down the BOX route of coop etc which is where his mates seem to have found the best route.
Befor anyone shouts fronting, he has his own car, he is the main driver and my wife and I are named drivers. We have 4 cars in total and the discount makes his Ins sub £2k, Which is still laughable but better than what your getting.
Also try going down the BOX route of coop etc which is where his mates seem to have found the best route.
When a simple single vehicle accident with three mates in his car can come in at £20000 and a more complex fault claim run into the millions. Then you'll see why insurance is so high for kids.
They do crash a lot to say the least.
The value of the car is almost irrelevant when assessing risk. It's the damage you can do with it to others that's the key element of pricing and a Polo can do just as much damage at 30 mph as any car.
They do crash a lot to say the least.
The value of the car is almost irrelevant when assessing risk. It's the damage you can do with it to others that's the key element of pricing and a Polo can do just as much damage at 30 mph as any car.
Insurance group is not the be-all and end-all. Insurance premiums are loosely based on the reputation of that particular car and that particular type of policy holder. Try a number of other cars, particularly slightly older models (approx. 10 years) and bigger cars which appeal to the young driver less.
LoonR1 said:
When a simple single vehicle accident with three mates in his car can come in at £20000 and a more complex fault claim run into the millions. Then you'll see why insurance is so high for kids.
They do crash a lot to say the least.
The value of the car is almost irrelevant when assessing risk. It's the damage you can do with it to others that's the key element of pricing and a Polo can do just as much damage at 30 mph as any car.
I understand the argument why,but that hasn always been the case since cars were invented,just the premiums have multiplied 100 fold in the last 10 years,all I can see is this leading to more uninsured drivers on the roads.They do crash a lot to say the least.
The value of the car is almost irrelevant when assessing risk. It's the damage you can do with it to others that's the key element of pricing and a Polo can do just as much damage at 30 mph as any car.
When i was 17 (20 now) i had a 1.0 Corsa which was group 1, did some shopping about and went with Adrian Flux on TPFT, Dad as named driver (i was the main)with full NCB etc. Came in at £2250 for the year. I would say give them a try, im not sure how things have progressed for new drivers at 17 in the last 3 years, but im guessing things should not have changed that much!
Earlier this year I got my daughter insured on a provisional license, with a Fiat 1.2 Punto. Would have cost itro 500 quid, but went up to 650 with me and a mate as named drivers (both over 40, full NCB, etc).
She passed her test the other day, so with the extra fee after passing, I've paid about 1300 quid.
(Postcode - edge of Sheffield). All in her name, will be all her own NCB from the start. She just has to make sure she builds some NCB now ! Insured with Premium Choice - obtained thru one of the comparison sites.
ETA - she was 17 in May when car purchased, passed last week a month or so after 18.
She passed her test the other day, so with the extra fee after passing, I've paid about 1300 quid.
(Postcode - edge of Sheffield). All in her name, will be all her own NCB from the start. She just has to make sure she builds some NCB now ! Insured with Premium Choice - obtained thru one of the comparison sites.
ETA - she was 17 in May when car purchased, passed last week a month or so after 18.
Edited by Fartgalen on Tuesday 23 October 14:57
franki68 said:
I understand the argument why,but that hasn always been the case since cars were invented,just the premiums have multiplied 100 fold in the last 10 years,all I can see is this leading to more uninsured drivers on the roads.
Back I'm the good old days we didn't have No Win No Fee solicitors adding £1000s to the cost of every claim, or frequency of injury claims at ridiculous levels, or Credit Hire / AMCs either. The premiums are sadly an effect of the parasitical industries driving ever increasing costs into simple claims.
It's crap, but unavoidable currently.
Uninsured driving is a risk but no business would take on a bad risk without adequate compensation.
Would a bookie give you odds of 1000-1 on Manchester United winning the league this year? The concept isn't quite so simple but does illustrate the idea. The chances of a claim from a young driver are ridiculously high so many won't even offer cover.
LoonR1 said:
Back I'm the good old days we didn't have No Win No Fee solicitors adding £1000s to the cost of every claim, or frequency of injury claims at ridiculous levels, or Credit Hire / AMCs either.
The premiums are sadly an effect of the parasitical industries driving ever increasing costs into simple claims.
It's crap, but unavoidable currently.
Uninsured driving is a risk but no business would take on a bad risk without adequate compensation.
Would a bookie give you odds of 1000-1 on Manchester United winning the league this year? The concept isn't quite so simple but does illustrate the idea. The chances of a claim from a young driver are ridiculously high so many won't even offer cover.
no win no fee solicitors..whiplash claims etc all contribute,ok no problem with that but 2 identical aged drivers ,same postcode ,same car one cost me £3500 18 months ago now its £11000 ??? The premiums are sadly an effect of the parasitical industries driving ever increasing costs into simple claims.
It's crap, but unavoidable currently.
Uninsured driving is a risk but no business would take on a bad risk without adequate compensation.
Would a bookie give you odds of 1000-1 on Manchester United winning the league this year? The concept isn't quite so simple but does illustrate the idea. The chances of a claim from a young driver are ridiculously high so many won't even offer cover.
I got my son his own policy whilst he was learning, much, much cheaper when he's on a provisional licence. 53 plate 1.2 polo S £950 fully comp with Adrian Flux. Then when a year later he passed his test he had built up 1 years NCD. His first policy as a qualified driver a little over a year ago was £1400.
He's since had an accident and lost his NCB but still only £2500 fully comp at 19 (with Endsleigh). I tried different named drivers on the policy as this has a massive effect on the price.
He's since had an accident and lost his NCB but still only £2500 fully comp at 19 (with Endsleigh). I tried different named drivers on the policy as this has a massive effect on the price.
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