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General Chat Thread, Car insurance for teen in General; Originally Posted by elsiegee40 Some insurers give benefits for pass plus, some don't. It's still worth doing for the motorway ...
  1. #16

    john's Avatar
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    Quote Originally Posted by elsiegee40 View Post
    Some insurers give benefits for pass plus, some don't. It's still worth doing for the motorway training alone.

    If insuring a teenager's own car, it's worth putting a parent on the policy too as it helps reduce the premium, I'm told.
    It certainly did with me, the car was in my own name and I was the main driver but my mum and dad were on the policy and it brought it down, and ironically it had that positive until I was about 23 and then it makes no difference so I put them on then they are fully covered rather than reliant on 3rd party coverage from there own insurance policy.
    Last edited by john; 11th March 2013 at 07:04 PM.

  2. #17

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    Quote Originally Posted by Edu-IT View Post
    For my first year I was a named driver on a policy. I think they're more strict on that now though...
    now illegal - I would make sure you put it in your sons name as it then reduces massivly. My first year i was paying £160 a month and then the second year it dropped a lot.

    Also look at Admira/Elephant (they are the same company) they do 10 month policys which although you pay a little premium you build NCB quicker.

  3. #18
    bushby's Avatar
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    for myself im 21 a learner own my own car Nissan pixo and my insurance is 65 a month with me as named driver mum and dad on aswell but as its a small car that's only a 1lt engine (hit a ton on the motorway the other day :P) and the tax is only 20 for the year

  4. #19

    FN-GM's Avatar
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    As others have said cheap slow car doesn't mean cheap insurance. I used to have a 1.2 Corsa SXI. I have since changed that for a new VW 2.0 GT TDI Golf for 6 times the value of the Corsa and my insurance are down a good amount.

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    I am 19 and drive a 2010 2.0 Scirocco. I pay £2000 for 10 months. I paid even more with my previous car which was a MINI Cooper S. Gotta ... stop .... buying ... fast ... cars.

  6. #21

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    I passed 11 years ago and have never paid more than £850 a year. I took the Pass Plus test within a month of getting my full licence, at the time it cost me £125 but knocked £350 off the cost of my first years insurance.

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    Quote Originally Posted by Danp View Post
    I passed 11 years ago and have never paid more than £850 a year. I took the Pass Plus test within a month of getting my full licence, at the time it cost me £125 but knocked £350 off the cost of my first years insurance.
    When I passed, 7 years ago I did pass plus, it knocked £12 off a £2000 quote (which was the cheapest offer I got)... Not worth it nowadays!

  8. #23

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    Quote Originally Posted by bushby View Post
    (hit a ton on the motorway the other day
    Well blow me; I wonder why kids have to pay the earth for insurance?

  9. 2 Thanks to Andrew_C:

    mats (8th March 2013), Tech1 (12th March 2013)

  10. #24

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    Quote Originally Posted by Dom_ View Post
    When I passed, 7 years ago I did pass plus, it knocked £12 off a £2000 quote (which was the cheapest offer I got)... Not worth it nowadays!
    Like I said, Pass Plus is worth it for the motorway training alone. It's valuable post-test experience. You don't do it straight after your test, the instructor should do it about 3 months after passing so the new driver has had chance to drive independently first.

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    Dom_'s Avatar
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    Quote Originally Posted by elsiegee40 View Post
    Like I said, Pass Plus is worth it for the motorway training alone. It's valuable post-test experience. You don't do it straight after your test, the instructor should do it about 3 months after passing so the new driver has had chance to drive independently first.
    Missed your comment - I didn't mean it wasn't worth doing, I just meant if you're doing it to knock a lump off your insurance it isn't worth it. The motorway training was handy!

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    Unless you go for the blackbox option, 'cheap insurance' doesn't exist for us teenies

    Try out of the ordinary cars as well as small tortoise-engine cars, you'll find that some bigger/less common cars can sometimes be cheaper to insure. It's just a case of having a lonnnng shop around have you tried LV? They've always been the best deal for my insurance quotes.
    Last edited by Fleetwood; 8th March 2013 at 09:30 AM.

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    I sold my 2000 1ltr Corsa to buy a 1997 Citroen Xantia 1.9 Turbo Diesel when I was 18, I bought the Xantia for less than I sold the Corsa for and had extra luxuries such as air con, electric windows, ABS, hydraulic suspension, heated electric mirrors, better crash protection, towbar, 5 doors, big boot...the list goes on and it was a bit cheaper than the Corsa to insure!
    It wasn't long after than I discovered I could insure a the daddy executive Citroen of the 90s for an extra £100/year so I bought a Citroen XM too!

  14. #28

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    Quote Originally Posted by samba_man View Post
    I sold my 2000 1ltr Corsa to buy a 1997 Citroen Xantia 1.9 Turbo Diesel when I was 18, I bought the Xantia for less than I sold the Corsa for and had extra luxuries such as air con, electric windows, ABS, hydraulic suspension, heated electric mirrors, better crash protection, towbar, 5 doors, big boot...the list goes on and it was a bit cheaper than the Corsa to insure!
    It wasn't long after than I discovered I could insure a the daddy executive Citroen of the 90s for an extra £100/year so I bought a Citroen XM too!
    You then discovered a whole in your wallet from the repair bills



    Rob

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    Interesting, I didn't realize you could reduce it by having a parent as a named driver. We were thinking of putting him through the pass plus too for several reasons but it would seem only some insurers give lower premiums for that.

  16. #30
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    Quote Originally Posted by witch View Post
    Firstly, make sure you and your partner are added, that will help reduce the cost
    We found the company we were already with - Admiral - the most helpful and the cheapest but things have changed in the insurance industry, I know.

    *Found this: Top 10 Car Insurance for Teenagers UK - Cheap Teenage & First Time Quotes
    +1 for Admiral, especially with the multi-car policy, if you have him/her as only named driver and either yourself or the other half as main driver, it will reduce it massively

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