Advice on Insurance for a 17 year old male

[RacinRob]

My son is about to sit his test.
I have been looking at a car for him - a little 02 plate Polo.
Best insurance quote I can find is £2800!!!!!
Anyone have any advice?
I want the insurance in his name.
Cheers
Rob

[Alec]

Do a search on here, there has been a few threads like this. For a started put yourself and your other half on the policy as named drivers (assuming you dont have bad records), and look for slightly off the walk cars things that a 17 year old might not normally buy.

[Somnophore]

That's about right for a new driver at 17 I'd be surprised if you find any cheaper, pass plus would be a good idea, can make you a better driver but many insurers offer a discount Off the first two years premium with it which can be useful. Other than that it's just one of those things.

[SS2.]

Insurance for young 'uns is expensive, full stop.

Mate of mine was looking at a Skoda Fabia for his nipper - he reckoned they were about as cheap to insure as just about anything else on the market.

Also worth looking to get yourself and / or your partner named as drivers on your son's policy - this can often bring about a reduction in premiums.

[Alec]

Do any manufacturers give free insurance on new cars any more?

[Exoticaholic]

Alec said:

Do any manufacturers give free insurance on new cars any more?

At times yes, and also they stipuate a minimum age as well.

[BriC175]

Alec said:

Do a search on here, there has been a few threads like this. For a started put yourself and your other half on the policy as named drivers (assuming you dont have bad records), and look for slightly off the walk cars things that a 17 year old might not normally buy.

This ^^

Adding my parents to the policy made mine go down quite a lot. Even adding my Dad who has an SP30 and a claim made it cheaper!

And on the note of what car.. Ignore insurance groups. Get quotes on a whole load of cars. It's all bases on stats, so you should find the less common / less desirable cars cheaper to insure.

Edit: forgot to say, whilst you shouldn't pay much attention to insurance groups, obviously engine size matters too. I would think you can forget anything over a 1.4, which is what I had to do when I was 17 (4 years ago).

Edited by BriC175 on Tuesday 5th October 08:54

[cmackay81]

Exoticaholic said:

Alec said:

Do any manufacturers give free insurance on new cars any more?

At times yes, and also they stipuate a minimum age as well.

and the cost of the car will be increased to cover this. in reality it doesn't work out that well.

There's a reason you see students driving complete random sheds, and this is it.

Try looking down the route of older skodas or cars that aren't typically associated with young drivers. the premiums may have been loaded less with these.

[oOTomOo]

BriC175 said:

Adding my parents to the policy made mine go down quite a lot. Even adding my Dad who has an SP30 and a claim made it cheaper!

This ^^, To this day my Mum is still on my policy... Brought it down by £100 last renewal.

I used to put my Grandma on too but she's gettin on a bit now so actually brings it back up!

ETA: If it's his car obv the policy 'needs' to be in his name, but you can add named drivers who 'may' never drive it.

Edited by oOTomOo on Tuesday 5th October 08:57

[C2james]

I'm 18 and when I passed my test I was insured with sabre and got a quote of just over £2000 which is very expensive but hundreds of pounds cheaper than your best quote, my car is a 1.1 citroen C2.

[Gun]

As said, either put yourself or his Mum on the policy too as named drivers which will reduce the premium a bit but it's still going to be expensive. For the first couple of years I was insured to drive my Mums car which proved to be far cheaper.

[Denis O]

RacinRob said:

My son is about to sit his test.
I have been looking at a car for him - a little 02 plate Polo.
Best insurance quote I can find is £2800!!!!!
Anyone have any advice?
I want the insurance in his name.
Cheers
Rob

Have been through this process with my grandson in the last couple of months and £2800 is the going rate. His was closer to £3k on an 03 plate Peugeot 206 1.4 LX. That's with all the adding older drivers etc etc that have been mentioned by other posters. A 1.1 would have been a little cheaper.

Bottom line is a 17 year old male who has juct passed his test is about the biggest risk that you can have and insurance companies charge accordingly.

[Celt]

Suck it up. I genuinely wouldn't bother insuring a 17 year old. It gets slightly better at 18. Not cheap, slightly easier to stomach. Not the ph answer but I wouldn't think its with it at all. I was 1300 to insure a focus second year of driving ay 20. If he is determined to drive, good on him I would be the same, but look at 9 or 10 month policies. You get a years ncb in less time. Worked out the same for me to insure if you averaged it out per month.

[Ben Hughes]

http://pistonheads.com/gassing/topic.asp?h=0&f...

[RacinRob]

Cheers for the advice and link.
Looks I'm going to need to dig deep.

[Animal]

How about some form of advanced driving qualification? IAM / Pass Plus etc?

[cmackay81]

RacinRob said:

Cheers for the advice and link.
Looks I'm going to need to dig deep.

Woah. My general rule of thumb is,if the driver can't afford it then they shouldn't get it.

If he can't afford it himself, then tbh he prob won't respect. Not wanting to wish badly, but he's far more likely to be in an accident. Kids that work bloody hard to afford the insurance etc will be far more careful drivers imo

Also you should be getting him to research into cars, costs and insurance. He will appreciate it much more and may have more drive to search for cheap car/ insurance combinations than just posting a question on the net, not listening to the answers, etc...

[anonymous-user]

As said, try to find something that's not a common "young persons" car. E.g. instead of a Polo try a VW Bora/Jetta, might be cheaper because it's a saloon and I doubt many teenagers buy them. Try anything that's a bit quirky, you might be suprised.

[x type]

peugeot 206 1.4 lx is group 4 insurance
find a lower group car e.g 206 1.1 = group 2 ,lower insurance

or try admiral multicar

going through it now with 17 yr old daughter
tried all comparison sites etc.
some wanted £950 as a learner and double if she passed her test

admiral = £773 on a clio 1.2 as a learner and £300 extra if she passes test

she's female = cheaper
he's male = more money

bend over and prepare to get shafted good and proper

[Ricky_M]

Avoid VAG, they demand higher premiums for some reason.

I had a MK2 Golf project when I was 16, it would have cost me £2200 to insure it, it had a 1.3 engine.

Instead I bought a 306 TD and insured it for £1500, much quicker car and it cost £800 the next year with 1 yrs NCB.

Try Quinn Direct for a quote.