View Full Version : insurance for 17 yr old, any recommended ?
Suprasteve
16-02-07, 11:25
a little fella at work has passed his test and also has pass plus too.
bought himself a £2k 1.1 saxo but cheapest insurance quote so far £2k from directline.
thats just rediculous money !!! something like a 1/4 of his yearly income, no wonder theres so many people out there driving about with no insurance - which inturn makes it even more expensive no doubt.
are there any specialist insurance companies for youngsters out there ? its not like hes trying to get insured on a 3 litre twin turbo or anything..
I presume he's done the confused.com thing already?
All you can do is keep ringing and ringing until you find someone sympathetic to his risk level, sometimes it's the small obscure companies that are cheapest.
Has he looked at the insurers in the back of grot mags like Max Power to see if any specialise in younger people?
Sadly it's not always about what the person drives, they have to cover the possibility that he might crash into something more expensive too.
Tesco... quote for the mrs to learn in her own 998cc mini £650 with confused £330 with tesco...
m.
GeordieSteve
16-02-07, 11:58
Get his mother to insure it through Direct Line with him as second driver. Direct Line will give him a years NCB at the end of it :)
SUPRASUZUKI
16-02-07, 12:00
Not sure if he'll do much better TBH.
My mate's lad had the same issue. He moaned like a drain how unfair it was, saying he was no more risk than older drivers.
Then a few weeks later rear ended a Merc while he ws f*cking about with his radio.:rolleyes:
My first 'big' bike cost me £500 to insure in 1980. That was 25% of my net income at the time!!!
silvershark44
16-02-07, 12:17
Get his mother to insure it through Direct Line with him as second driver. Direct Line will give him a years NCB at the end of it :)
Thats not a bad idea, i did that with my first car at 17, a corsa 1.4 SRI. Payed about £600 third party.
Another thing to try is Admiral / Elephant. He can be the main driver and then add two oldies (doesnt matter who, parents are best as long as they have no recent claims or convictions) then just watch your initial quote drop by half!
Pulled this trick off for years, hence why I pay £950 FC on a Jap Spec TT at 21.
My mate is paying £1500 on a 1995 swift GTi he is 18 with no no claims.
nowich union are normal quite good for your first year but after that keep clear!
Insurance for young drivers does take the piss as the most i've have ever paid for insurance was on my first car which was a 1.3 nova back in 93 when i was 18. Every car policy since has been less.
Now though young drivers are getting insure as named drivers rather than main drives.
I paid £1100 on a 1.3 Astra when i was 18. Was just over the value of the car at the time. Silly money.
Insurance for young drivers does take the piss as the most i've have ever paid for insurance was on my first car which was a 1.3 nova back in 93 when i was 18. Every car policy since has been less.
Now though young drivers are getting insure as named drivers rather than main drives.
Point to remember is that if the named driver is actually the "main" driver the policy is invalid.
Get his mother to insure it through Direct Line with him as second driver. Direct Line will give him a years NCB at the end of it :)The trouble is that the main person insured (his mum) is supposed to be the person who drives the car most of the time. I believe the insurance companies are trying to clamp down on this particular "fiddle", and there's a risk that he could find himself uninsured.
Suprasteve
16-02-07, 12:33
theres some great replies thanks all.
once again the site is a powerful source of info...
I paid £3,200 for my first year, then £2,800, then I got the Supra and it went down to £600 :D lucky git eh ;)
go to http://www.moneysupermarket.co.uk
and bell will probably be the cheapest as he has no ncb,there really good but the car has to be standard.
6 years ago when i past my test, i was 17 and had a pass plus and insurance for a crap £500 nova merit (basic model) was £1200 then.
Theres just to many young twats on the road that spoil it for youngsters that just want a car to get about.
richardstock1
16-02-07, 12:52
Direct line was good for me, when i was that age.
I had a Modded xr2 (lol dont laugh) and that was £1600 fully comp :)
I have grown up since lol
I went with Liverpool Victoria
Paid £980 fully comp on a 1995 1.3i Mini
Not sure if it will help, but...
when looking through the car mags there is always loads of ad for specific types of car insurance..
is it not worth getting a max power or fast car and sifting through some of the companies?
or see if there is a owners club.. he may not use it the way we do on here but they may have a club insurance or something?
as i said not sure if helps but may be worth a try!
Thinking about it through why bother at 17 to get insurance at all. All that'll happen is you'll get a £500 fine and baned from driving for 6 months or so (if caught). If you didn't have insurance then driving without a license wont bother you either.
What a shit system we have in place!
Suprasteve
16-02-07, 16:51
go to http://www.moneysupermarket.co.uk
and bell will probably be the cheapest as he has no ncb,there really good but the car has to be standard.
he just tried both confused.com & moneysupermarket.com and Quinn direct came at best with £1,300 & £1,500 respectively. - why the same company has 2 different amounts is strange, probably commission sacrafice ???..
no discount for adding his mum to it though.
still its saved him £700 so far so can't complain. - he owes you lot big time, what do you think? a small donation payable to MKIVsupra.net ?
Is he going fully comp or 3PF&T?
It's not just age that counts against him actually - they just don't like "first" car insurance and no NCD.
Until 2001, I had never had a car insured in my name - I had been riding bikes and although I'd bought cars, they had always been insured in the current g/f's name (they had NCD) and they used them far more than me anyway.
When I found myself single I stuck with just a bike for a year (well, 3 bikes actually) but eventually decided that there was some practical benefit to owning a car. However - even for 1.0L Fiesta's I was getting quotes of around £1K (no NCD, no other car in household), even though I was 32!
However - there was an upside. After getting these ridiculous quotes I thought : Bollocks to it - if I'm going to pay that much insurance, I'm going to buy a decent car. So I bought the 911.
The really strange thing was that - apart from some very silly quotes (£4.5K) and one insurance broker who couldn't stop laughing when I said I wanted to insure a 911 with no NCD - I did get insurance for it that wasn't that much more than the 1.0L fiesta quotes!
shimmydude
16-02-07, 18:08
Quinn-Direct are worth a lookup for ur friend. They like younger drivers & those who havent yet worked up any ncb. The girl that bought my old car needed insurance for it and i told her to try them (she was about 17)
Within a few hours she was insured (through Quinn).
Worth a try, http://www.quinn-direct.com/
Another name in the bag at least :)
2k is similar to what i was quoted on my 1st saxo (sorry its pants i know:) )
um, try bell.co.uk
elephant.co.uk
norwich union
BUT NOT DIRECT LINE, there expensive and NEVER pay out. loads of trouble with them.
id say put a parent on the policy, lowers it loads:)
Elephant's been good to me, and my license is more decorated than an american's Xmas tree...
The co-op were the cheapest for me at 18. :)
It's not just age that counts against him actually - they just don't like "first" car insurance and no NCD.
Until 2001, I had never had a car insured in my name - I had been riding bikes and although I'd bought cars, they had always been insured in the current g/f's name (they had NCD) and they used them far more than me anyway.
When I found myself single I stuck with just a bike for a year (well, 3 bikes actually) but eventually decided that there was some practical benefit to owning a car. However - even for 1.0L Fiesta's I was getting quotes of around £1K (no NCD, no other car in household), even though I was 32!
However - there was an upside. After getting these ridiculous quotes I thought : Bollocks to it - if I'm going to pay that much insurance, I'm going to buy a decent car. So I bought the 911.
The really strange thing was that - apart from some very silly quotes (£4.5K) and one insurance broker who couldn't stop laughing when I said I wanted to insure a 911 with no NCD - I did get insurance for it that wasn't that much more than the 1.0L fiesta quotes!
Exactly what I did. Your getting fleeced whatever car you choose. May as well make it fast.
Suprasteve
17-02-07, 09:21
Is he going fully comp or 3PF&T?
only 3pf&t
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