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New Driver (17) insurance

CanonMan Plus
16 524 4 England
4 Feb 2007 4:50PM
Anyone had the dubious pleasure of trying to get car insurance for a 17 year old male who has just passed their driving test? My son passed his test last week and was wanting to insure an L-reg Diesel Fiesta that his grandad had been keeping for him. Checked on confused.com - rip-off.com would be a better name - and those quotes they did retrieve were over 3 thousand pounds. They're 'avin' a larf as the locals round here say. Has anyone else had to insure a car for a 17 year old? Care to let me know the car, prices and company, 'cos there's no way we can fork out that sort of cash.

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4 Feb 2007 4:56PM
I remember having the same problems when I first passed my test. Doing a pass plus course can help reduce premiums. Alternatively you just have to ring a lot of companies, some give large qoutes because they don't want the business. There are also a few companies that specialise in new drivers.
da_nige Plus
13 1.2k Scotland
4 Feb 2007 5:01PM
I'm 20 and first had insurance when I was 17. Back then I was with Direct line and it was about 2000 from memory and that was for a Y reg Ford Focus 1.4. I have since switched to Elephant as they were quite a bit cheaper last year. My insurance is up in March so the fun is about to begin again.

Something else to consider is putting an older driver on too. My insurance was 100 cheaper if I added my Mum as a second driver.

Hope this helps

KenTaylor Plus
13 3.1k 2 United Kingdom
4 Feb 2007 5:13PM
Try this excellent advice. It is little wonder that there are so many uninsured drivers around. I have heard of 6000 being asked for a car worth only a few hundred. The fact is that a new driver is right at the top of the risk factor.
skeletor Plus
14 1.7k England
4 Feb 2007 5:31PM

Quote:I have heard of 6000 being asked for a car worth only a few hundred

Unfortunately the car worth only a few hundred squids could cause damage to other vehicles, property or even people that could run into millions. That would be down to your insurance company.

guidoa Plus
16 1.4k United Kingdom
4 Feb 2007 5:36PM
If your wife doesnt own a car, perhaps she could be the registered owner and add your son as named driver. I think that is what my son did and altho the premium was increased it was nowhere as high.
skeletor Plus
14 1.7k England
4 Feb 2007 5:44PM

Quote:If your wife doesnt own a car, perhaps she could be the registered owner and add your son as named driver. I think that is what my son did and altho the premium was increased it was nowhere as high.

Insurance companys are aware of that trick. Any claim would probably be rejected.

CanonMan Plus
16 524 4 England
4 Feb 2007 5:51PM
Thanks. Some useful stuff to be going on with there. My son is already a named driver on my wife's policy, but really wants to a) have his own car and b) start building his own NCB. At the moment, it doesn't look good!
4 Feb 2007 5:58PM
As a (not so very long ago) young female driver, I was a few years as a named driver with Frizzel who were very reasonable. When I got my own car I had a year or two with Endsleigh, then went back to Frizzel as they were the cheapest.
CathyT Plus
11 7.3k 18 United Kingdom
4 Feb 2007 6:49PM
Oh yes...and it cost 1400 for the year....about 400 cheaper for a girl.

I think we went with Norwich Union in the end but try here first.
MikeRC Plus
12 3.6k United Kingdom
4 Feb 2007 7:17PM
It is some 17 years since I first insured my daughter, fully comp. on a 1 litre Focus was I think 400, didn't seem too bad at the time but I suppose it's all relative.

guidoa Plus
16 1.4k United Kingdom
4 Feb 2007 7:19PM
Steve- why should the insurance company reject any claim- they are aware of the young driver and so long as the mother registered the car in her name,and has access to the car there shouldnt be a problem- the position might be different if his mother already owned a car.

Edit- didnt read earlier thread about being named driver
culturedcanvas Plus
12 4.7k 59 United Kingdom
4 Feb 2007 7:26PM
Hi, someone like Hyperformance or Adrian Flux might be a soloution.

They are specialist insurers and I have one of my vehicles insured with Adrain Flux on a limited use policy. Bearing in mind building up no claims isnt necessarily a great idea at the start ... because if you don't insure a car for 2 years you lose your no claims entitlement.

Im afraid that any young driver will be an issue .. I can recall paying through the nose for insurance ... being a young driver in a fast car was hard on the pocket.

So there it is .... shop around, take a bigger voluntary excess, don't try and insure it fully comp, if you do insure his mum as main driver - then make sure she uses the car too - to avoid any claim problems.

starliz Plus
13 1.6k 3 England
4 Feb 2007 7:51PM
Try eCar my son passed his test on Friday,he`s 19 though but they gave us a quote that was nearly half the price the other companies had quoted.
stuwhitt Plus
13 1.4k United Kingdom
4 Feb 2007 8:28PM
Its an unfortunate fact of life that young drivers, especially those who have just passed their test run the highest risk of being involved in an accident, hence the higher premiums which have been steadily rising anyway over the past few years, the main reason behind the rise in premiums is the growing claims culture that exists in this country, those who think that its only the insurance companies that lose out paying out dubious claims are simply wrong as insurance companies simply pass their costs onto the consumer.

Another possible avenue is the Pay as You Drive scheme run by Norwich Union which I believe is targeted at young drivers

Quote:being a young driver in a fast car

Seriously IMHO there should be a law restricting the use of high powered cars to those over 25, that may seem harsh but I have heard of so many accidents involving young people in fast cars who in the main are more interested in showing off than developing safe driving skills, if these boy racers are removed from the road then maybe those young people struggling to insure a sensible car may find it a bit easier

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