Car insurance for teen

[NikChillin]

Hi,

 

We have a 18 year old who has just passed his test and is itching to get on the road, does anyone have any experience insurance wize, we have had a quote for £4000!

[witch]

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: http://www.money.co.uk/car-insurance/car-insurance-for-teenagers.htm

Edited March 7, 2013 by witch

[bwestlake]

i used insurethebox, it brought it down for me drasticaly, they put a black box in your car, and you have a limit of 6000 miles per year, but can add more and also gain some on how you drive

[Disaster]

Get an extra job!

[tech_guy]

Buy him / her a car that doesn't fit in to the boy-racer category. I bought my daughter a Peugeot 107.

 

Get yourself and your partner / spouse named on the policy. Shop around and haggle. I did with Admiral and they knocked £100 off when I started whining.

 

We paid £650 which was amazing but tbh my daughter was not named as the main driver as she wasn't. Don't be tempted to lie to the insurance companies over this.

Edited March 7, 2013 by tech_guy

[Ad93]

This is probably no use to you but I was looking recently at the insurance prices for cars fro myself, being 19, I found that if I bought an older car for around the £1000 mark I was being charged around £4000 for insurance which is not on. However I found an offer with Mazda for a new Mazda 2 for £169 per month and when I looked at insurance the prices were around the £900 mark which although still expensive is more reasonable than the previous efforts.

 

Toyota are also doing an offer on the Yaris Edition for £159 per month, I know these are brand new cars and probably not the kind of information you were looking for but I just though I would share my recent experience. Other than that I feel for you as I passed my driving test a year and a half ago and just haven't been able to afford the insurance.

 

A:)

[mdench]

Im 19 years working for the school full time with both my parents on my insurance works out about £1300 for a 1.4 polo with elephant. When i first started that was the sort of price I was looking at for 1.2 corsa etc but it dropped massively after the first year of having my license even though I never drove a car within that year.

[elsiegee40]

We insured with Coop Young Driver. It means I had to have a black box put in my Fiesta, but it reduced our premium by near enough 50%. And we got a refund on premium thanks to exemplary driving.

 

I loathe having to drive so carefullly with the black box, but it's a cross I'll have to bear with a 19 year old driver and a 17 year old learner.

[DeltaBravo]

I had a fiat punto when I was 17 and 18, my insurance was £2600 as the main driver and this was the cheapest I could get, after a year no claims this dropped to £1200... It’s expensive but worth doing.

[twin--turbo]

Do some quotres on more than just little hatches. When my brother in law was 18 he insured a 1.8GL sierra for less than his freind and "SHE" was driving a 1.4 Escort.

 

Rob

[NikChillin]

Thanks peeps,

Some ideas I hadn't thought of too.

[Edu-IT]

For my first year I was a named driver on a policy. I think they're more strict on that now though...

[Cache]

If you are insuring a vehicle in their name, get them to do the Pass Plus course as well. Not all insurers accept it, but when I did it Aviva accepted it and it instantly gave me a year's no claims bonus. (truthfully, longer ago then I keep thinking in my head)

 

Not sure on the pass plus details still, but it used to be 6 extra driving lessons.

[elsiegee40]

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.

Edited March 7, 2013 by elsiegee40

[MatthewL]

When I passed 8 years ago prices were not as high but were till around the £1200 mark. I've always had my own policy but had parents on as named drivers which helped bring it down. I still have my Dad as a named driver then he is fully comp on my car is he does drive it and it still knocks a few hundred quid off each year.

[john]

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.

Edited March 11, 2013 by john

[glennda]

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.

[bushby]

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 ) and the tax is only 20 for the year

[FN-GM]

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.

[JakG]

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.

[Danp]

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.

[Dom_]

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!

[Andrew_C]

(hit a ton on the motorway the other day

 

Well blow me; I wonder why kids have to pay the earth for insurance?

[elsiegee40]

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.

[Dom_]

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!