Tips For Insuring A Young Driver Please

[developer]

My youngest is close to getting his full licence and close to being 18.

Aviva quote on a ten year old, value less than £5K Ford Fiesta 1.25 = c£3K .

TPFT only made a couple of hundred difference.

From your experience, how do you get your youngsters out on the road, and who with?

Thanks .

 

[acej]

My youngest is close to getting his full licence and close to being 18. Aviva quote on a ten year old, value less than £5K Ford Fiesta 1.25 = c£3K . TPFT only made a couple of hundred difference. From your experience, how do you get your youngsters out on the road, and who with? Thanks .

Sadly J I found you have to through money at it! The only other thing is to try and find a car not usually used by used drivers. A derv Skoda newer was a lot cheaper as its not been crashed by you drivers. The less cool less common option is usually cheaper.

J

 

[Deleted member 6183]

Black box?

 

[GP801]

Adding parents to the policy makes a big difference. Going for third party makes little if any difference. Its the damage caused to others that costs the money. Not the damage to an old city car/supermini. Direct line were by far the most reasonable when ours were under 20. Some manufacturers were offering free insurance to over 18s on new superminis. Might be worth checking out. I think Fiat had a pretty good deal on the 500 but might have stopped now the new model is out.

 

[Deleted member 37751]

The newer the car, the lower the premium I've found.

I can only assume the thinking behind it is that they're more inclined to take care of a newer car and not rally it etc.

 

[zipdip]

Well in the spirit of all of us being Mercedes owners I will tell you how to get cheaper car insurance for young drivers,but you have to promise to tell nobody,I bet you are all thinking he is going to say make out you or your wife are the main drivers but that is dishonest,no what you have to do is buy a old moped and insure it in the kids name when they are 16 and re-insure it and hey they have no claims and of course you do not let them anywhere near the thing let alone ride it.

 

[Rayny]

Well in the spirit of all of us being Mercedes owners I will tell you how to get cheaper car insurance for young drivers,but you have to promise to tell nobody,I bet you are all thinking he is going to say make out you or your wife are the main drivers but that is dishonest,no what you have to do is buy a old moped and insure it in the kids name when they are 16 and re-insure it and hey they have no claims and of course you do not let them anywhere near the thing let alone ride it.

All very good, except that no claims bonus from a moped/motorbike policy is not usually transferable to a car policy

Developer - Newer non-cool cars are a possibility, so is something like an old C180 saloon (W202).
You just have to get the quotes, trying them with either yourself and/or your wife as additional named drivers. - If you have a local high street broker (there are still some around) they will usually know the best option at any given time ( such as when he is 18 and has obtained his full licence).

 

[zipdip]

All very good, except that no claims bonus from a moped/motorbike policy is not usually transferable to a car policy

Developer - Newer non-cool cars are a possibility, so is something like an old C180 saloon (W202).
You just have to get the quotes, trying them with either yourself and/or your wife as additional named drivers. - If you have a local high street broker (there are still some around) they will usually know the best option at any given time ( such as when he is 18 and has obtained his full licence).

Well Ecar Tesco,Direct Line and Churchill allow it to name 4 I am sure if you looked around there are others:bannana:

 

[ringway]

Young Ringway 21 and myself to drive:

Mercedes S210 E430.
Mercedes S211 E320 CDI.
VW Golf 1,6CL
Range Rover 4.2 Supercharged.

Fully comp, £450 excess for Les, £250 for me.
He builds up his own NCD and if he has a claim my NCD stays intact.

Premium £2,900 per year and was the same even when he was 18, but the excess was £500.

He's in his final year at university, and works for me as and when he can.
Nothing dodgy, fully legit traders insurance that even allows for his commute. It doesn't make much difference if we buy or sell a car, either.


Insurance companies do score/profile young drivers. For example, a 17yo male in a Fiat Punto 1.1 sets alarm bells ringing. So many of that combination have had claims. I should think that a quote for the same driver on an old 1.8 Mondeo would work out less expensive.

 

[Red C220]

I insured our 17 year old daughter on a 2007 Renault Clio Dynamique 1.4 with Tesco Bank Box Insurance.

Fully comp - myself and her grandfather as named drivers, we're living in Surrey just outside the M25 for £1,250 a year 6,000 miles limit.

A box was fitted within 14 days of us taking up the insurance.

If the mileage is exceeded she has the ability to buy more miles, from memory this is about £200 for a further 2,000 miles. Of course you can elect for 8,000 miles from the word go at a higher premium.

She has the ability to "earn" up to an extra 100 bonus miles a month by driving safely, outside of rush hour, not late at night and driving on motorways.

Three months in so far so good. I'd recommend it.

 

[def90cars]

I insured our 17 year old daughter on a 2007 Renault Clio Dynamique 1.4 with Tesco Bank Box Insurance.

Fully comp - myself and her grandfather as named drivers, we're living in Surrey just outside the M25 for £1,250 a year 6,000 miles limit.

A box was fitted within 14 days of us taking up the insurance.

If the mileage is exceeded she has the ability to buy more miles, from memory this is about £200 for a further 2,000 miles. Of course you can elect for 8,000 miles from the word go at a higher premium.

She has the ability to "earn" up to an extra 100 bonus miles a month by driving safely, outside of rush hour, not late at night and driving on motorways.

Three months in so far so good. I'd recommend it.

Great advice

 

[Giantvanman]

Echoing what others have said, the newer the car the better in many respects. Also, stay away from the usual cars that are sought after by learner drivers…Corsa, Fiesta et al. It sounds daft but it was cheaper to insure my son on a six month old VW Polo 1.4 than an old Fiesta/Corsa etc or even a 1.0 Polo...adding you/your wife on a multi car policy works well (he wasn't insured to drive our cars but we were his). His first premium was £1700 FC on 10,000 miles for SDP & commuting for his first year in a high premium rate area. I think the trick in selecting the car is to not go for the obvious learner cars; someone on here recently insured his seventeen year old on his first car for a ridiculously small amount; I think it was an older E350 CDI, if memory serves.
Good luck.

EDIT: No black box policies were used.

 

[Porteo]

Have a look at Admitals multi car policy, mate of mine saved £20 on his own policy but nearly £1500 on his daughters!! You can add cars at a later date so don't have to cancel your policy to open a new one out. Me and the wife have a policy with them and unfortunately I had to test out how good their claims dept were after I went into the back of a Nissan Juke when I had my Scirocco, they were first class and I was in a courtesy car and my car was with the body shop I wanted it repaired at (VW one) in about an hour!

 

[flango]

Have a look at Admitals multi car policy, mate of mine saved £20 on his own policy but nearly £1500 on his daughters!! You can add cars at a later date so don't have to cancel your policy to open a new one out. Me and the wife have a policy with them and unfortunately I had to test out how good their claims dept were after I went into the back of a Nissan Juke when I had my Scirocco, they were first class and I was in a courtesy car and my car was with the body shop I wanted it repaired at (VW one) in about an hour!

This I also saved over £1500 when my daughter was 17, put her Punto, the 2 Volvo and the MB on a multicar policy and saved a fortune. Been with them ever since as they always better any quote I find. We also had to get them involved in a non fault accident my daughter was involved in, car was written off and they paid in 4 weeks a very fair value no hassle which is why i am still with them

 

[moonloops]

The newer the car, the lower the premium I've found.

I can only assume the thinking behind it is that they're more inclined to take care of a newer car and not rally it etc.

Correct, plus the fact that newer cars have better safety features.

 

[Primo]

Newer car is better.
Include parents as additional drivers.
Keep mileage as low as possible.
Don't insure at age 17 - wait for their birthday - every year counts.
Wait until they have their full licence.
Use 2 or 3 comparison sites as rates do vary.
(I really wouldn't expect Aviva to be competitive on a young driver policy)

 

[stevehg]

The Autocar Start programme with Mercedes (no longer running I think) and the Fiat 500 scheme are both backed by Carrot insurance, so maybe worth trying them for a quote...

Carrot Car Insurance | Home

cheers, Steve

 

[Bonecho]

Follow the advice here Car Insurance for Young Drivers: Tips & discounts - MSE.

Last year we insured our daughter on her 18th birthday for a new limited edition "go faster" Corsa. She had her license for 2 months and with both my wife and myself on her comprehensive insurance with Aviva it came to around £1400 on a multi car policy.