Teenage Car Insurance

[Guest]

Can anyone help.

 

My son is 17 years old and holds a provisional driving licence, he has passed this theory test and WAS having driving lessons, but has now decided its not worth him going in for his test as he wont be able to afford to buy, run and insure a car.

 

Does anyone know of a good insurance company that doesn't charge a fortune for his age. So far we are getting quotes for £2 - 3 thousand pounds I can truely understand why some kids don't bother to get insured.

 

I really want him to go for his test so that it's out of the way, but can appreciate what he is saying.

[AnonyMouse_1999]

Can anyone help.

 

My son is 17 years old and holds a provisional driving licence, he has passed this theory test and WAS having driving lessons, but has now decided its not worth him going in for his test as he wont be able to afford to buy, run and insure a car.

 

Does anyone know of a good insurance company that doesn't charge a fortune for his age. So far we are getting quotes for £2 - 3 thousand pounds I can truely understand why some kids don't bother to get insured.

 

I really want him to go for his test so that it's out of the way, but can appreciate what he is saying.

 

Sadly I don't think you wil get a 'reasonable' quote anywhere. My partner's business collegue has just paid £1,500 for insurance for her 18yr old son. He bought a car for less than that!!

 

When mine were younger we had them as named drivers on our policy and none of them had their own car as teenagers due to insurance costs.

 

Sorry I hope someone else has something more positive to offer

[Guest]

It's a nightmare is it not! We have had the same 'chat' this week - put him off for now!

 

I recently read of a scheme run by some/all??? insurers, whereby IF the teenager agreed to only drive the car during certain hours then the cost of insurance was drastically reduced! Not sure of all details but it did involve having a recorder type device in the car to ensure the hours were adhered to!

 

Think I will be googling it myself very soon - if I can think of the term to google!

 

Good luck!

 

Jenni

[Guest]

We also had to do the same as Geraldine with our two sons. They are both on our insurance as named drivers and can only drive at certain times ie they are not able to drive either car to or from work. also when my youngest son was learning to drive, we had him on our insurance. As soon as he passed his test, the insurance company refused to cover him, saying he was now too high a risk. This meant changing the insurance for all the family.

If you find any company offering good deals for teenagers, please let me know.

cathb

[Guest]

my 17 year old nephew was quoted £3,500 to drive his mum's car. He doesn't drive at all since passing his test because of the cost of insurance. He wishes he had just stayed a learner and that way he could afford to drive, albeit with mum in the passenger seat! mrsW.x

[Guest]

It's a nightmare isn't it?

 

We tried everywhere - the best deal we could get was Direct Line, as mentioned before as a named driver for our cars.

 

My daughter (age 22) has just bought her first own car, as she has just got herself a teaching job and will be working over 200 miles away from us.

Tesco were the cheapest but the telephone manner left a lot to be desired!

Direct line were the most helpful.

[Guest]

Hi

 

I remember when I first passed my test it was cheaper for me if I had my Dad added to my insurance, no idea why as he wasn't ever going to drive the car but it did bring it down a fair bit. Also there is a pass plus course that you can do I never bothered but some companies will give better prices for young people who have completed the pass plus course, not even sure if this course still exsists though

 

Rapunzel

[AnonyMouse_30128]

i've just had this question on another forum i'm part of! i'll go and get the info and get back to you.It is very expensive but there are a few better deals out there ( thanks goodness i've got girls who aren't nearly as expensive!)

[AnonyMouse_30128]

yes pass plus does exist and still helps

[AnonyMouse_3735]

a while since our son went through this... but for what its worth

 

he did his pass plus.. this definitely reduced his insurance costs..

 

for the first few years he was named driver on my car and only drove that..

 

when he got his own car his dad was added as a named driver, we initially did this as we needed to drive the car occasionally, buit turned out it reduced the insurance

 

Tesco and direct line were the cheapest...

 

he had 3rd Party F&F for the first 3 years.. not fully comp.. even then it was a huge amount..

 

I really can see why some don't bother with it.. any fines for driving without insurance are a lot less than the insurance costs..

 

Inge

[AnonyMouse_30128]

ok i'm back

tesco/direct line came out well also www.2getherinsurance.com(they deal with kit cars mainly but were suggested by a forum member who deals with them)

don't be tempted to add them as a driver on your insurance (for their car) as companies are very twitchy about this.

If your buying a car keep the cc's down to the minimum - look into 3rd party rather than fully comp. and maybe try admiral multicar policy. Be careful about info on the web as many companies do not list themselves on comparison sites for car insurance and you may get a better deal when you ring them

oh - and tell your son to start saving

[AnonyMouse_1027]

my sons the same - passed his test in June and cannot afford to insure him - so hes not driving - we looked into driving plus but course cost £200 + and only took £100 off the insurance!!!!

[Guest]

Hi Brenda, when my son passed his test 5 years ago he had insurance with Quinns, which insures young drivers, might be worth a look (is an Irish company). He changed after 2 years and went with Tesco's which worked out cheaper as we also used them. Sarah

[AnonyMouse_19782]

Co-op Insurance (CIS) was very good when we were looking earlier this year, you can pay monthly as with most schemes these days to ease some of the burden perhaps, and there is a dedicated young driver insurance company called Quinn Direct, one of ours has used them in the past. We also googled for teenage insurance and that came up with a lot of different companies. In the end we settled for him going on his dad's policy - the car is the one he uses for the station and a run around and son gets to use it as and when.

 

It is an expensive business but there is so much evidence suggesting that young males under 21 are involved in a huge number of accidents, when my son was learning to drive Sheila's Wheels would not even insure him to drive mine to learn, I had to switch insurers, we used the Co-op and we could insure him for a month at a time, up to 3 times which was about £80 per month, but at least it meant he got some practice in, then afterwards we chose them again when he went on my husband's policy after he got the runaround car.

[Guest]

Mr PPP - a little older than 17 but applying for his first insurance as he's been named driver on mine and had company cars. His quote was sky high but me added as a named driver brought it down £300 - it's nice being a lady with lots of years no claims. You may want to try the admiral group as they offer 10 months and still you gain 1 year no claims.

[AnonyMouse_8282]

We found tescos best, and at the time they were also doing a short 20% off promotion- lucky timing for us!!!, plus we got points + plus used a tesco credit card and got extra points.

It was a few years ago so I suppose maybe now you can't get loads of points anymore...

[Guest]

not sure for young drivers cos i'm a little older but Bell have been very good. They are a sub company of Admiral and interestingly I have to swap each year between the two because neither is the consistent cheap one nor will they match each others quote - go figure!

[AnonyMouse_1999]

I really can see why some don't bother with it.. any fines for driving without insurance are a lot less than the insurance costs..

 

Inge

 

VERY true!

Hit head on by an uninsured idiot on the wrong side of the road - my partner's life saved by the air bag,(off work for 9 months) son minor injuries and £11,000 worth of damage to my car and the driver.....

 

broken ankle, fined £440 and 9 points on licence - gee whizz

[AnonyMouse_1195]

What injustice!!! Horrendous for victims!

[AnonyMouse_1326]

My husband is a driving instructor and the pass plus course does bring the ocst doen, not all intructors do this as it does cost the instructor for the paper work extra I hope that you are able to get the cost down.

[AnonyMouse_9650]

Have also dealt with the horror that is trying to insure a teenage boy - we found admiral and endsleigh (they do good student insurance deals too) to be the best for us - can't remember which one it was but with one you paid for 10 months and got 1 years no claims discount - I thinks son's insurance first time was about £1700 when he was 19 - its still £600+ now that he is 21 with 2 years no claims! I use the internet sites gocompare - compare the market as well as checking out lv, aviva and direct line as they don't appear on the comparison sites. It can be mildly amusing to scroll down to the bottom of the quote list though - the most expensive was £24000 (that's the right number of 0s)!!!!!!!!!!!!! Obviously we chose that one

 

Insurance is also now not much better for the girls daughter 18 also paid £1500 this year for first year's insurance

 

Will have to send them down the mines at this rate.

[AnonyMouse_3735]

took until my son was 25 for it to drop to a 'reasonable' level, and that was with 4 yrs no claims..

 

 

problem with not driving after the test was we found some companies asking about how much driving experience after taking the test, and if none or little the insurance was still sky high..

 

must agree with Endsleigh for students .. and rented property insurance as well.. very good, jsut check the cost each year on renewal and new insurance. we often cancelled and started a new policy with them while he was a student.. it was a lot cheaper.

 

asked son who he is with now... he says Markerstudy Insurance are worth looking at. They are a brokers who deal with a group of specialised companies..

 

He runs a van now and they gave the best quote, and when he had a claim made against him were very good sorting it out. He was in out of the country for work when he was supposed to have been in an accident 300 miles form his home address... his comment was 300 miles and the rest... (he was in Brazil!) English speaking and he was able to speak to the same person every time.. and they dealt with his girlfriend about it when he was out of the country..and the claim was dropped!

 

Inge

[AnonyMouse_3735]

Just ben reading my Which and they suggest trying i-kube

 

and also insurethebox which has restrictions like maximum mileage

 

 

may be worth looking at..

[AnonyMouse_5664]

Have 2 teenage boys. We used Liverpool Victoria with the first one and then Quinn with the second. the boys are a bit older now, in early twenties. But those 2 companies were the cheapest when I was spending hours on the tinternet trying to find the cheapest. We bit the bullet and had insurance in their own names to build up no claims bonus. only 3rd party F and T. That was costly enough. Anything below £1500 would be a result. madness, isn't it. got to go through it all again with my daughter!

[Guest]

I did pass plus after passing my test - not necessarily to reduce costs though it did a bit I think, but more for the added experience/training. Course, for anyone who wants to know, was 6 modules (no test at end) but some modules were combined, such as country driving and night driving. Other modules were city driving, which my instructor didn't do with me as I had learnt in a city, motorway driving, and a couple of others....! I was more confident on the road (in a previously rather pathetic girly way, as opposed to a well i can do anything boy-racer type confidence!).

 

Anyway, to begin with I was with morethan, but last year I swapped to tesco who are so much cheaper.

[AnonyMouse_20748]

My son passed his driving test this june aged 18, hes still at college with no job, the insurance quotes were horrendus So currently has passed but is not driving he has the money for a car a a years insurance but what happens after that year?. We have said that once he gets a car and can insure it he will need to go back to driving instructor for a couple of extra lessons, hes not keen but feel you learn to drive after your test on real roads with no dual controls!

We have several friends with boys in the same situation

 

Its really sad because not all young drivers drive badley and we all had to start somewhere.

[Guest]

My ither half has just come out of being on a company car insurance after 11 years and we are also looking at him paying £1500-£2000 a year! I nearly fell off my seat! I feel really sorry for younger people as how will they prove they can drive safely in the future if they can't afford to insure themselves to drive in the first place. Think I'll encourage my three to stick to public transport.

[AnonyMouse_21228]

We used farmers union for our son.They have always been very competive for new drivers. Good luck!

[Guest]

my son whos 19 has just bought his first car, we managed to find a quote for him through Elephant, it was originally £1800 but because the lady on the phone was so helpful, she suggested by putting my name and hubbys name down as named drivers that it would reduce it quite a bit. So his insurance fully comp is now £1200, with a saving of £600 paid in instalements.

[AnonyMouse_19733]

Hi Aussie

 

...so you get three people insured for less than the price of one! would you believe it?

 

What a result for you and your family When I saw your user name I thought you were going to recommend "Sheila's Wheels" hehehe

 

I've just remembered I think I heard a radio advert recently for "marmalade.com" doing cheap insurance for young people; must go and have a look as I have a "soon to be 17 year old" who wants to start driving as soon as she can, I'll let you all know if it turns out to be any good.

 

BMG

 

Found it, its "provisionalmarmalade" and does cover from £2.99 per day depending on postcode ours came out as £3.11 to drive any car up to group 16 and they do 1,2 or 3 months so plenty of time to practice driving in parents car.

Edited August 23, 2010 by BMG