Car insurance For Young Drivers?

[FN-GM]

Hi there,

 

Can anyone recommend specific insurance companies who deal with young drivers or charge reasonable rates for young drivers?

 

I have used price comparison sites, just wondering what specific companies people can recommend please?

 

Thanks

 

Z

[Edu-IT]

On your own policy or named driver? For named driver I found Churchill to be cheapest. For your own policy try Quinn.

 

Steer clear of Direct Line and the supermarket insurance (Asda/Sainsburys) as they'll not insure you. Tesco will though.

 

charge reasonable rates for young drivers?

They're all expensive when you first pass.

 

Edit: I've just noticed a pun! Wasn't intentional.

Edited August 31, 2008 by Edu-IT

[powdarrmonkey]

Make sure you insure someone else (preferably an older woman) on the policy as a named driver, and it knocks shedloads off the premium. Or have them registered as the policy holder and you as a named driver.

 

When I learned I had a policy that cost a bit more until I passed, but didn't go up afterwards, so it worked out at about £800 I think - I've a feeling it was Norwich Union. My own car and policy to start with was £530 I think, after a year's no claims it has come down to £350 with breakdown. (Churchill).

[DMcCoy]

If you are the main driver you must be insured AS the main driver. I have seen various young drivers caught out for fronting and get no payout whatsoever.

[powdarrmonkey]

Hmm, ok I didn't know that as I wasn't the main driver at the time. Sorry Zak.

[kmount]

If you are the main driver you must be insured AS the main driver. I have seen various young drivers caught out for fronting and get no payout whatsoever.

 

Can you elaborate a bit here as I thought it was standard practice these days that young people bought cars in their parent's name, registered the insurance in one of their parents names and put themselves on as a named driver.

 

Certainly how it was when I first passed ...

[kylewilliamson]

Can you elaborate a bit here as I thought it was standard practice these days that young people bought cars in their parent's name, registered the insurance in one of their parents names and put themselves on as a named driver.

 

Certainly how it was when I first passed ...

 

Yeessss... it's also making a false declaration. As far as the insurance company would be concerned it's the same as drink driving.

 

Firstly, for fully comp/fire/theft insurance the name listed on the insurance policy must have 'insurable interest' in the car, viz: if i buy a car for £1,000 today, and insure it in another person's name. In the event that the car is then smashed up, that person will have no financial loss - I will have done, and therefore the policy must be in the name of the person who will recieve a financial loss in the event of risks covered by the insurance policy. On a "normal" claim, I'm sure that person would pass the cheque onto me, but it's still not correct.

 

Secondly, as far as third party claims go, you make a declaration that you are the main driver. In the event of you having making a major claim.. I'm talking flying through a house when you've lost it on a bend on a flyover or the Selby Rail Crash.. this is the time when you want your insurance to be top notch.. or even a 10 car pile up. This will be the time when insurance investigators look into the fact that in your house, you have a large saloon car belonging to daddy, a corsa belonging to mummy, and the saxo with a body kit also belonging to "mummy". Oh, and asking your neighbours who drives that 'silver car with the big exhaust' most etc.

 

This is the point at which your insurance company start personally pursuing you for the cost of the third party damage.. for a ten car pile up including injury claims, this could easily be half a million. The Selby Rail Crash, for instance, was well over £5m.

 

Oh, and also, in the event that your insurance company cancel/refuse your insurance, you could be done for driving without insurance too (6pts+fine).

 

For instance, I've got the CTR insured in my name and I'm the main driver - it's also my car. I'm also covered as a named driver on both of my parent's policies - cars I don't own, but drive infrequentley.

 

K

[kmount]

Mm... again, lack of experience here but what if a couple shared a car and drove it equally 50/50 what would they do there?

[ConTheITGuy]

Go through all the comparison sites, there's only about 6 or so - that should pretty much give you the best idea... do Direct Line as well - they don't show up on the comparitors. And agreed, if you are the main driver, you should be listed as such, but get your mum as a named driver - she might need to drive it one day

 

Oh, and as an aside, when I first passed, I did Pass Plus and got my first years NCD straight away. - and this does carry on... at the beginning of my second year, I already had 2 years NCD, etc..

 

 

Andy

[kylewilliamson]

Mm... again, lack of experience here but what if a couple shared a car and drove it equally 50/50 what would they do there?

 

As far as a spouse goes (and this includes common-law spouses too) it's fairly irrelevant - for instance, for some insurance companies you can insure a car legally even if your spouse is the registered owner. You can, as far as your spouse is concerned, move insurance around too to get a betterpremium - like insuring the bigger car in the name of the older wife, for instance. That's all perfectley legally with most (if not all) insurance companines.

 

Theres an insurance principle of 'utmost good faith' too - that unless proved otherwise, you were acting in good faith. It could get complicated if you jointly owned a car with a friend, and drove it both 50/50 of the time... You'd need to get special terms from an insurer and it probablay wouldnt be worth it anyway.

 

Kyle

[jcollings]

If you are the main driver you must be insured AS the main driver. I have seen various young drivers caught out for fronting and get no payout whatsoever.

 

 

I was going to say that

[kmount]

Cheers for the information Kyle·

[Edu-IT]

Go through all the comparison sites, there's only about 6 or so - that should pretty much give you the best idea... do Direct Line as well - they don't show up on the comparitors. And agreed, if you are the main driver, you should be listed as such, but get your mum as a named driver - she might need to drive it one day

From what I've heard from friends and experienced myself Direct Line class pretty much all young drivers as high risk and won't insure them. You could try to insure a smart car with them and they'd probably still refuse. I wouldn't waste your time with them. Edited August 31, 2008 by Edu-IT

[K.C.Leblanc]

Try Bell Direct, Liverpool Victoria and Tesco.

 

Might be worth getting a car mag (dare I say Max Power) and looking through some of the adds at the back. You might stumble across some less well known company who specialise in younger drivers.

[FN-GM]

If you are the main driver you must be insured AS the main driver. I have seen various young drivers caught out for fronting and get no payout whatsoever.

 

I will, i know someone who didn't get a payout because they put there parent on as the main driver. Not to mention that it is illegal

 

Try Bell Direct, Liverpool Victoria and Tesco.

 

Might be worth getting a car mag (dare I say Max Power) and looking through some of the adds at the back. You might stumble across some less well known company who specialise in younger drivers.

 

Thanks mate

 

I am looking for suggestions of companies please so keep them coming.

 

I have done the pass plus and i will be getting full comprehensive cover in my name only.

 

Thanks

 

Z

 

EDIT: just to add i will get my no claims if i am the named driver (providing i dont make one)

Edited August 31, 2008 by FN-GM

[Edu-IT]

I think I should do pass plus soon. Problem is I've picked up bad habits now.

[FN-GM]

Its well worth it. It cost be £132 with BSM, not to mention it being a good day out.

 

Z

[Edu-IT]

Did you do it all in one day?

[FN-GM]

I did yes, there where other options like:

 

2 x 3 Hour Lessons

3 x 2 Hour Lessons

 

Make sure you have a few stops it does get boring

[john]

Okai, firms I have used for car insurance as a young driver:

Frizell (Liverpool Victoria)

Norwich Union a few times

Endsleigh

Direct Line (all be it they are my current insurance firm and I'm no longer classed as a young young driver but a young driver (thats the group you end up in after your over 21 but under I think its 25).

 

Get fully comp ASAP as that builds your NCB up and is great, I've now got protected NCB and fine it adds a few quid to the renewal bill but hey means I keep my NCB to a point if I have a bump (touches wood for no bumps!)

[powdarrmonkey]

@Zak: Yes, provided you're the policy holder you'll start getting your no claims period from the start of the policy. Some insurers (certainly Direct Line, not sure if there are others) will also start accumulating an NCB for you if you're a named driver on someone else's policy.

 

I'm fairly sure my just-passed insurer was Norwich Union, and it was expensive but pretty reasonable in comparison. You're always going to be stung as a new driver, I'm afraid.

[Edu-IT]

What car have you got your eye on?

[DSapseid]

My brother used eCarInsurance when he passed a little over a year ago. They were cheapest by about £300!! With this company its normally cheaper to not add a parent on to it. I spent hours looking at lots of sites and filling them in differently with one parent then the other etc.

 

With regards to doing the pass plus its usefull but most insurance companies dont pay as much attention to it as they used to. When i passed my driving 4 years ago Norwich union were giving 50% off for having done pass plus, but now i think its only about 15/20%. Shop around and use the sites like confused, gocompare etc as you can find all sorts of companys.

[Hightower]

When I passed (about 6 years ago) I was only 17 and insurance was going to be a cruncher until a colleage told me about elephant.co.uk

 

They were the cheapest I could get at the time and because I have been with them for 6 years I now get special (we want you to stay with us) discounts.

[K.C.Leblanc]

I have done the pass plus and i will be getting full comprehensive cover in my name only.

 

Thanks

 

Z

 

How much are you spending on a car? If it's under a grand you might be better off going 3rd party.