Young Driver insurance

[Red C220]

Darling stepdaughter is 17 next February and we're at the "can I have a car" stage. Which is fine as I've offered to match whatever she saves from her waitress job to buy the car.

So the car isn't the issue really, insurance is and I can't seem to find anything south of £4000 a year which seems excessive.

How are you insuring your teenager learner drivers?

 

[flango]

Admiral multicar policy was how we started our daughter 17 in a fiat Punto was £1200 with me and SWMBO also on policy

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[neilrr]

The only answer to this is each individual case is different depending on many factors. Yyou should shop around all the price comparison sites, all the biggies not on the sites & several brokers who fish for trade on car forums for your best deal.

 

[Red C220]

The only answer to this is each individual case is different depending on many factors. Yyou should shop around all the price comparison sites, all the biggies not on the sites & several brokers who fish for trade on car forums for your best deal.

I figured as much, any pointers for young driver friendly companies?

 

[John]

We had a young bloke at work a while back who got a lot cheaper quote having agreed to have a black box fitted.

Something like 'Drive like a girl' advertise it although I think he was with Admiral?

 

[Giantvanman]

+1 for Admiral; helps my son out no end. He has a multi policy with my wife bringing his fully comp on a brand new A200 (in March) down to £1600. The previous car, his first, was a seven month old VW Polo 1.4 which was £1800 FC. Incredibly, the 1.4 was less to insure than the 1.0 he was going to buy because that is the one the young buy/are bought because it is cheaper by about £3-4k than the 1.4 in the same trim.

Believe me, with our post code, these insurance policies are keenly priced for him.

The trick of it is the car; no Corsas, small Citroens, small Renaults etc. Anything that the yoof find a bit cool or are always adorning Halfords products with. Anything staid or boring and completely standard will help the premium along with every adult in the house being named driver too.

 

[Red C220]

I've just run a quote through go compare for a Fiat 500 1.2 POP with me as the named driver and DD as the main user with a provisional licence and got 5 quotes under £500 for the year. That was a surprise.

I guess that's because she can't drive without an adult next to her and the premium goes up once she passes her test?

 

[Giantvanman]

I guess that's because she can't drive without an adult next to her and the premium goes up once she passes her test?

Exactly so. It will increase somewhat when test passed and she can drive unsupervised. Definitely………we found the same thing when my son started out.

 

[flango]

Yep was about a 20% hike for us too when she passed

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[Red C220]

Thanks people.

The Fiat 500 looks like a viable option, at least insurance seems to be sensible.

 

[John]

You could alter the quote to then see what the car would be once she is unsupervised - which you can then compare with other likely car possibilities.

Knowing how odd insurance is - you might find the cheapest car supervised is the most expensive unsupervised...

 

[wongl]

I switched my Audi A2 insurance policy to Admiral and added my DD onto the policy because named drivers earn their own NCB discount at Admiral. The insurance premium on the A2 jumped from circa £250 fully comp for wife and myself to circa £1000.

After two years, I started DD on her own policy on the A2 having gained 2-years NCB - her first policy being circa £850 fully comp with wife and myself as named drivers.

Repeated this process with second DD...

 

[Skhan]

If it's just a provisional she holds at the minute try provisionalmarmelade.com

 

[Red C220]

Thanks for all the replies. This isn't as expensive as we first thought.

It all revolves around what she can save. We're trying to teach her money management at the moment and battling with a grandma that gives her everything she asks for.

So the car she gets will be determined by what she saves. I've said I'd match whatever she can save from her earnings.

 

[flango]

Thanks for all the replies. This isn't as expensive as we first thought. It all revolves around what she can save. We're trying to teach her money management at the moment and battling with a grandma that gives her everything she asks for. So the car she gets will be determined by what she saves. I've said I'd match whatever she can save from her earnings.

Totally agree with you money management is so important too many people know the price of everything but the value of nothing

I did the same with mine 50:50 based on whatever she saved and we ended up with a Punto

The the next step was if she got a 2:1 degree I would buy her her dream car and yes it cost me a VW beetle but worth every penny when she was offered the first 3 jobs she applied for

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[Red C220]

You could alter the quote to then see what the car would be once she is unsupervised - which you can then compare with other likely car possibilities.

Knowing how odd insurance is - you might find the cheapest car supervised is the most expensive unsupervised...

I logged back in to try this and found we were getting quotes in the region of £2000 on a Fiat 500 POP 1.2

All things considered that's still less than I thought it would be.

 

[KennyN]

We told our daughter that if she paid for the insurance then we would match the price with a car of similar value . we knew she had some monies coming to her for her 18th she didn`t.

Her best quotes with a full licence were from Driect Line at £1300 fully comp without the black box installed or £1100 with the box, this was for an `06 Clio 1.2 Campus.

On the Driect Line site it allows you to change the car details and update the quote for different cars this helped us narrow down the search criteria as some of the other options (Corsas / Fiesta etc.) were much more expensive than the Clio for similar displacement / age cars.

We arranged for a lesson on her 17th birthday and weekly thereafter until she passed her test which she managed around August to coincide with her 18th birthday.

The only time i went out with her was in a dual control rental car just to give her some road time , i left the driving details to the instructor as what i was taught 30 years ago is no longer what is expected from new drivers like texting whilst driving , applying makeup with both hands (female only) , how to light a fag with a large diet coke in one hand and a mobile in the other , how not to use the mirrors , how to ignore the speed limits , how to always expect others are waiting for you to make a mistake , how to use as many lanes as possible at a roundabout with no indicators and finally how to have a conversation with 500w of pure distortion blasting away in the background

We figured it was better to abuse the driving instructors car than her own car and by the time she passed she would be 18 which brings the premium down also.

Kenny