Polo insurance for a 17 year old
Discussion
All - reaching out for ideas and suggestions.
My son is about to hit 17 and we are looking at a Polo for him, to share with his sister who is 18 months behind.
Anyone got experience and suggestions when it comes to a new Polo (or Fabia) - engine size, insure in his name or do it in mine?
He's really not an adrenaline addict or speed freak so I've not got any real worries from that perspective, lack of experience is going to be his biggest risk.
The insurance game has moved on a bit from my last experience with this so appreciate any input from parents who have been in the same place!
Thanks,
Phil
My son is about to hit 17 and we are looking at a Polo for him, to share with his sister who is 18 months behind.
Anyone got experience and suggestions when it comes to a new Polo (or Fabia) - engine size, insure in his name or do it in mine?
He's really not an adrenaline addict or speed freak so I've not got any real worries from that perspective, lack of experience is going to be his biggest risk.
The insurance game has moved on a bit from my last experience with this so appreciate any input from parents who have been in the same place!
Thanks,
Phil
Hi. Recently insured a Polo 1.2 Moda, 2010 reg (ins grp 4 I think) for a just passed 17 yr old with a company called Ingenie. They fit a tracker and monthly payments vary dependent on driver performance (speed limits, harsh braking etc). Initial premium was £1300, the company are straightforward to deal with.
My sister passed at 17 4 years ago, She had an Ibiza Toca 1.4 16v and had a box fitted think it was about 14 £1400, she got circa £200 back (one of these where they offer money back)
2nd year it was about £600 but then tried saying her driving had got worse so wanted another £200 half way through. point was argued and box was binned off at end of 2nd year
2nd year it was about £600 but then tried saying her driving had got worse so wanted another £200 half way through. point was argued and box was binned off at end of 2nd year
Our circs are slightly different, but LV were reasonable until he had 3 claims in a year bless him. WE then moved to Admiral multi car and we currently pay just under £1200 pa for a '15 A3, an'08 Fiesta and an '02 Focus all fully comp.
Try all the permutations -adding his mum onto his policy reduced the premium significantly.
In general, I thought all the obscure companies and black box deals were far more expensive than the "big" names.
Try all the permutations -adding his mum onto his policy reduced the premium significantly.
In general, I thought all the obscure companies and black box deals were far more expensive than the "big" names.
OP- whatever car he gets, include dad as named driver. Then look at how much . Son at 34 has just passed, and I looked at various options on an old KA for him. Interestingly enough, with me on, premium was marginally dearer fully comp /substantially cheaper than the 3rd party price with no box. But his excess had dropped from a hefty one to around £150 .Must try adding his sister to it next time.
Out of interest I did a check on him in my Fabia 1.4TDi on ,and got a severe shock.
That was on compare the Meerkats.
Out of interest I did a check on him in my Fabia 1.4TDi on ,and got a severe shock.
That was on compare the Meerkats.
Edited by Who me ? on Sunday 17th September 21:36
My Son recently passed his test (18yrs old) and has a 2004 Polo 1.2. Best quote we got for him as only driver was around £1400 fully comp, 3rd party F&T was the same price but excess for FC is not far off the value of the car so, I suppose that makes the FC 'upgrade' almost worthless...
You don't say if you want your son to learn to drive in polo. Recently our granddaughter was insured for our polo whilst learning. Insurance was from Halfords , approx £70 per month . It was a separate cover , full comp with no reflection on my own insurance should there be an accident. Good value I thought . Was able to pay only for the months she was available to drive. Single exclusion was policy void after passing test. Hope this helps.
Can't offer specific advice, but insurance is all about risk. Young / inexperienced drivers tend to drive small cars - so insurers see a lot of claims.
Insurers don't see so many new drivers driving bigger cars - so you *might* find that it's cheaper to insure something bigger.
Insurance cost after passing test will be MUCH higher than when learning too (because "unsupervised").
Insurers don't see so many new drivers driving bigger cars - so you *might* find that it's cheaper to insure something bigger.
Insurance cost after passing test will be MUCH higher than when learning too (because "unsupervised").
I found from experience of my 3 boys Insurance that biting the bullet and insuring in their own names from the get go made the most sense assuming you can get them to passing their test and then making it to the first renewal loss free !
Admiral sole policy - then multi car - providing you can stand the inevitable i hour phone conversation at renewal time.
I would also suggest using one of the comparison sites and then at least you are armed for dealing with their renewal prices which are inevitably jacked up as an existing customer.
No need for black boxes etc.
Admiral are very post code driven and where the car is kept overnight.
Admiral sole policy - then multi car - providing you can stand the inevitable i hour phone conversation at renewal time.
I would also suggest using one of the comparison sites and then at least you are armed for dealing with their renewal prices which are inevitably jacked up as an existing customer.
No need for black boxes etc.
Admiral are very post code driven and where the car is kept overnight.
I've just been through the same process with my son. Whilst he was learning we added him to our car with DayInsure (cheap because learners are always driving with an adult of 25+). Once he'd passed his test we cancelled the DayInsure policy (pro-rata refund) and insured him on his own policy through Insure The Box (think it's owned or has some link with Tesco). Just over a grand for a Fiat 500 1.2 and the box keeps him on the straight and narrow.
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