Young driver insurance

[Zippyworld]

Hi

My 17 year old has just passed his test.
2008 Seat Ibiza, where are the cheapest places to
buy insurance guys ?

Tgankyou

[Geffg]

A tip to lower insurance is to add either parent as a named driver to their insurance. Usually saves a few quid.

[georgeyboy12345]

There are these websites, I don’t know if you’ve heard of them, they are called “price comparison sites”, they have been around a while now.

To get to them, you need to go on a search engine like google.com and type in something like “car insurance” into the search bar and press “enter”. The links it returns should take you to these price comparison websites.

If you enter the driver’s details into them, they will generate a list of insurers, which you can sort from lowest to highest price. They are really useful.

HTH

[Mr.Chips]

Adding a parent as a named driver will bring the cost down to some extent. However, some friends of ours did this and, when their son had an accident, they refused to pay out, suggesting that they were, “fronting” the policy for their son. When asked to explain this, the insurance company suggested that they had in fact listed their son as a named driver, when actually he was the main driver. Be very careful when completing the forms.

[lost in espace]

Ticker was the best for my daughter. Used confused.com £1100 for a Mini Cooper a week after she had passed at 18.

[Zippyworld]

Geffg said:

A tip to lower insurance is to add either parent as a named driver to their insurance. Usually saves a few quid.

Thankyou, this is helpful

[Zippyworld]

lost in espace said:

Ticker was the best for my daughter. Used confused.com £1100 for a Mini Cooper a week after she had passed at 18.

Thsnkyou, this is helpful

[Zippyworld]

Mr.Chips said:

Adding a parent as a named driver will bring the cost down to some extent. However, some friends of ours did this and, when their son had an accident, they refused to pay out, suggesting that they were, “fronting” the policy for their son. When asked to explain this, the insurance company suggested that they had in fact listed their son as a named driver, when actually he was the main driver. Be very careful when completing the forms.

Noted, thsnkyou, helpful

[SteveR1979]

Mr.Chips said:

Adding a parent as a named driver will bring the cost down to some extent. However, some friends of ours did this and, when their son had an accident, they refused to pay out, suggesting that they were, “fronting” the policy for their son. When asked to explain this, the insurance company suggested that they had in fact listed their son as a named driver, when actually he was the main driver. Be very careful when completing the forms.

You're confused

Adding a parent to a policy where the child is the policy holder is not fronting.

The parent being the policy holder and adding the child as a driver when the child is the main driver can be considered fronting.

They are NOT the same.

[Fas1975]

lost in espace said:

Ticker was the best for my daughter. Used confused.com £1100 for a Mini Cooper a week after she had passed at 18.

Also have ticker for my son’s car. £1100 for 6k miles on a 1.2 polo. Very fair, I thought

[Zippyworld]

Thankyou guys

[daqinggregg]

Don’t just focus on insurance, a lot of low cost insurance cars are expensive to purchase. Think of the types of cars young people don’t drive. For example, you could pick up a Volvo C30 (not a lot more to insure ) for less than a Polo/Fiesta/Corsa.

[dontlookdown]

SteveR1979 said:

You're confused

Adding a parent to a policy where the child is the policy holder is not fronting.

The parent being the policy holder and adding the child as a driver when the child is the main driver can be considered fronting.

They are NOT the same.

This. A v important distinction. Fronting is illegal and will invalidate your insurance if discovered,whereas adding a parent as a named driver is not. It is a good way of keeping insurance costs down for young drivers.

Telematics black box policies are usually a couple of hundred quid cheaper, but quite a lot of faff and restrictions about use. Many require that you have a phone app running at all times when driving for example, or require no night driving or rush hour use.

Too much faff for the saving in my view but others may disagree.

[dontlookdown]

daqinggregg said:

Don’t just focus on insurance, a lot of low cost insurance cars are expensive to purchase. Think of the types of cars young people don’t drive. For example, you could pick up a Volvo C30 (not a lot more to insure ) for less than a Polo/Fiesta/Corsa.

This is a good call too, although OP says he already has the car. Some unexpected cars are not that pricey to insure for a kid.

[Ziplobb]

as others have adding named drivers to the childs policy makes reductions. My son at 20yo made a 10% difference to my daughters policy when she passed at 17. Her Fiat 500 was £570 for the first year. A friend has just insured a Fiat Panda 100 for his 17yo son. the premium is cheaper than an ordinary 1.2 Panda. Go figure.

[RicksAlfas]

Hastings with a black box was cheapest for my son. The black box has actually been very good. It links to an app on his phone and rates each drive out of 100. Rather than it being onerous it actually becomes a challenge to keep the score up. When he went away (and left his car at home) they contacted him as their was no movement recorded for 30 days and they just said "fine, we'll mark it as not driven until Christmas". I was quite pleased as I don't think Hastings have a good customer service reputation but they were cheapest by quite a way. (£800 fully comp including commuting on a 100bhp Clio).

[Road2Ruin]

dontlookdown said:

This. A v important distinction. Fronting is illegal and will invalidate your insurance if discovered,whereas adding a parent as a named driver is not. It is a good way of keeping insurance costs down for young drivers.

Telematics black box policies are usually a couple of hundred quid cheaper, but quite a lot of faff and restrictions about use. Many require that you have a phone app running at all times when driving for example, or require no night driving or rush hour use.

Too much faff for the saving in my view but others may disagree.

The black box worked very well for our daughter. No phone needed, just plugged the box in to a 12v socket in the car and velcroed it to the floor. Got weekly reports, which kept her conscious of her driving. For a young lad I would say it's a must, especially with a seat ibiza!

[ds666]

I used Hastings with a black box for older daughter - £500 ish for her Fiat 500 .

[jeremy996]

There is no substitute for shopping around. Try the comparison sites and add some of the direct insurers like Direct Line and Aviva.

Talk to your local broker, if there is one and ask about specialist student and young driver schemes, Endsleigh, Mustard, Marmalade, Hastings etc.

Think about a black box and read the fine print.

Add an older driver as a named driver.

Consider a larger excess - young driver excesses are often loaded anyway, so read it carefully.

If you have any choices over the car, think about one out of the mainstream; cars usually driven by Grandparents can be cheaper, like small Volvos, Jazz, Agila, KIAs and similar. No street cred helps as the accident history of the cars will be less than the usual suspects.

[andyhawes]

It's worth trying insurance companies with multi-car policies - we got both our kids on the insurance with Admiral, and even though it's still expensive it's nothing like what friends have been paying for their kids.

My son passed last year and drives a ford ka, and he's paying £800 and my daughter is just learning, insured on a vw polo and it's £125 (which will go up when she passes of course).

https://www.admiral.com/multicar-insurance-quotes-...

Of course price comparison sites are worth checking, but you don't necessarily get the multi car option on those. Your own insurance company may already offer this so worth a chat with them.