17 Year old's car insurance HELP

[RVVUNM]

This has probably been done to death before but the search facility is down at the mo.

My 17 year old son has passed his test (first time) and I want him off his moped and into a car. So, I've found a 998cc VW Lupo,we live in a nice area of Bristol and the car would be parked on the driveway over night. Best I can get at the moment is £2500 for TPFT, even icube (11pm-5am on the drive) is £2900. I am not willing to put him on my insurance or his mum's so where do we go next.

There must be a company out there somewhere that insures for a reasonable rate?

[aka_kerrly]

The co-op used to be really good for young kids on TPFT basis or if your son is a student try Endsleigh.

Also suggest doing Pass-Plus or other advanced driving courses as these often help, doing PP cost me under £100 and saved me more than that in my first 2 years of driving.

dave

[TheArchitect]

RVVUNM said:

This has probably been done to death before but the search facility is down at the mo.

My 17 year old son has passed his test (first time) and I want him off his moped and into a car. So, I've found a 998cc VW Lupo,we live in a nice area of Bristol and the car would be parked on the driveway over night. Best I can get at the moment is £2500 for TPFT, even icube (11pm-5am on the drive) is £2900. I am not willing to put him on my insurance or his mum's so where do we go next.

There must be a company out there somewhere that insures for a reasonable rate?

shop around a lot, try specialists, etc but from speaking to a few younger friends thats about right these days.

[Chapppers]

Do fronting.

[turbolucy]

One small thing, have you got a quote for parking on the street? Was cheaper for me (and quite a few people on here). Odd but true.

[Matt106]

When I was 17 I went on a policy under my dads name for the first year. After this is paid £1200 with elephant on a 1.4 peugeot 106.

Out of interest have you tried a quote with you as the main driver and him as the 2nd driver?

[CampDavid]

Put his mum on as a second driver.The implication that she will use it occasionally/take an interest in the car will reduce it by a fair amount.

[aka_kerrly]

Matt106 said:

Out of interest have you tried a quote with you as the main driver and him as the 2nd driver?

Nothing like a bit of insurance fronting for a short term gain.....

[TXWRX]

you could try putting his mum on the insurance as a named driver, i don't know why but this tends to reduce the cost but whatever you do the first few years are painful

Lupo 1 litre is a good choice, i had one and a fair few people i know did similar, one of the cars had a spectacular end but stood up well!

[Steve-O56]

when I passed my test (you are talking 10 years ago mind) Tesco insurance used to be the one to go with. Like the others have said shop around

[nicklondon]

Check which insurance companies still give a discount for Pass plus as a lot don't.

[Daaaveee]

CampDavid said:

Put his mum on as a second driver.The implication that she will use it occasionally/take an interest in the car will reduce it by a fair amount.

This. So long as your son is the main driver. Putting my dad as a second driver on mine reduced the premium a good few hundred quid and was also convenient at the time if my dad wanted to use my car.

[clarkmagpie]

Try looking at classic cars instead of modern ones.
Quite a lot cheaper by all accounts.

[IanMorewood]

CampDavid said:

Put his mum on as a second driver.The implication that she will use it occasionally/take an interest in the car will reduce it by a fair amount.

What he said.

[Tonberry]

£2500 is pretty good for a 17yr old child.

If possible try and get that £2500 fully comp.

[Variel]

Daaaveee said:

CampDavid said:

Put his mum on as a second driver.The implication that she will use it occasionally/take an interest in the car will reduce it by a fair amount.

This. So long as your son is the main driver. Putting my dad as a second driver on mine reduced the premium a good few hundred quid and was also convenient at the time if my dad wanted to use my car.

Put as many family members on there as you can, then remove individual members and keep re-quoting. I discovered for my old 1.4 Corolla that both my Mum and Dad on the policy as named drivers gave me the lowest quote.

This might not work very well if family members have SP30's or accidents to their name though.

[Snails]

Ignore what Matt106 said, do not put anybody other than your son down as the main driver as that would be insurance fronting.

CampDavid said:

Put his mum on as a second driver.The implication that she will use it occasionally/take an interest in the car will reduce it by a fair amount.

You can however do what CampDavid has suggested and put either yourself or his mum down as a named driver of the car, with your son as the main driver.

Edited by Snails on Thursday 19th August 14:50

[Dick_Phallus]

aka_kerrly said:

Matt106 said:

Out of interest have you tried a quote with you as the main driver and him as the 2nd driver?

Nothing like a bit of insurance fronting for a short term gain.....

Whilst I agree it's wrong, financially you'll be better off. All this 'build up some no claims!!!!' is bks when you're looking at £2500 quotes when you're 17 in your own name, and £1000 with you as a named driver. Do that for 2 years and you're likely to have £2,500 saved. So illegal? Yes. Short termist - not really.

As for the OP - when is your son 18? Insurance at 17 is an absolute joke, if he'll be 18 in 2 months I'd wait, even though that's not what he'll want to do. Also I'd consider a different car (if you haven't already bought it). Insurance for young people is a funny game where engine size and performance aren't as powerful indicators of premium as they are with older drivers- I'd be the popularity of VW with certain types of young people wont do his quotes any good.

[Soovy]

Dick_Phallus said:

Whilst I agree it's wrong, financially you'll be better off.

Erm, nothing more stupid than paying to not be insured.

[Dick_Phallus]

Soovy said:

Dick_Phallus said:

Whilst I agree it's wrong, financially you'll be better off.

Erm, nothing more stupid than paying to not be insured.

Oh I agree, if you're in an accident it's suddenly not so clever. Just pointing out that if you DON'T have an accident, the 'you'll have built up a years more NCB' doesn't really count for much when you're 17.