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Insurance for new drivers! OMG |
Kastrula
Joined: May 25, 2008
Posts: 3
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We use Geico, it took us and we didn't have great anything. I have noticed the age out here went up for license so the son will be waiting a while longer. I'm happy and not at the same time. |
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masseur
Joined: Jan 03, 2003
Posts: > 500
From: Sydney, London
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following a suggestion here this morning, I've halved the cost now by making me the owner of the car and policy and putting my son on as named driver (and declared him as the main driver too!), so now down to £485!
its crazy that its double that if he is the owner of the vehicle and policy and I am just a named driver!
I'll never understand how these insurance companies work out policy prices 
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haynesycop
Joined: Mar 10, 2004
Posts: > 500
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Nice one, i've got mine down to £436 by putting my mum as a named driver with me still be the owner and proposer, crazy stuff!
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arien617
Joined: Feb 01, 2006
Posts: > 500
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Don't mind me asking how old your son is, mass?
It's nearly the time for me as well, though I really don't know what to expect!
I was quoted £6500 on a £1500 alfa 147!
EDIT: I did what you guys said, just pushed that down to £4200. Well, it's a start.
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[ This Message was edited by: arien617 on 2008-05-29 10:16 ] |
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Joined: Feb 03, 2005
Posts: 281
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On 2008-05-29 10:52:31, masseur wrote:
following a suggestion here this morning, I've halved the cost now by making me the owner of the car and policy and putting my son on as named driver (and declared him as the main driver too!), so now down to £485!
its crazy that its double that if he is the owner of the vehicle and policy and I am just a named driver!
I'll never understand how these insurance companies work out policy prices
Mass, I believe if you go with direct line, and you have say 2-3 people on the insurance, all of you get a no claims discount, not just the main driver, might pay a bit more now but may be better in the long run if you can afford it.
Also, if you wife has the same NCD years as you, put her as the main driver...always cheaper for women, nice and sexist eh.
Woman moaned about not being able to vote, don't see them complaining or doing anything about the unfair sexist insurance policys.
For the 1.6i saxo, it was £900 for sister...and £1600 for me, joke.
AND...she has set a speed camera off, and gone too fast down a road by mistake (lmao she thought the limit was 70 on a 40)....i've not done a thing wrong....yet!
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Muhammad-Oli
Joined: Jun 13, 2004
Posts: > 500
From: The NZ of L
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On 2008-05-29 10:52:31, masseur wrote:
following a suggestion here this morning, I've halved the cost now by making me the owner of the car and policy and putting my son on as named driver (and declared him as the main driver too!), so now down to £485!
its crazy that its double that if he is the owner of the vehicle and policy and I am just a named driver!
I'll never understand how these insurance companies work out policy prices
Yeah thats what my parents have done for me with my car. Though it doesn't work out to be quite THAT much, and my car is 1.5L... I guess thats because the UK is so much more expensive than here. I believe my insurance was about $500NZ
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Daedalus85
Joined: Apr 23, 2007
Posts: > 500
From: Suffolk, UK
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It's because younger drivers are several times more likely to have an accident than older drivers, hence why it's cheaper to have you on the insurance as his Dad because it shows it won't just be some 17 year old hooligan driving around crashing into things  (in their eyes anyway, not saying he is, but alot of 17 year olds are, and that pushes the prices up).
At that age, and to learn in, a 1.2 is the absolute most you'll need really. A 1.6 is just excessive at that age, for both insurance, petrol and power.
My opinions on this forum are that of my own and not of the company I work for. |
Rookwise
Joined: Mar 22, 2004
Posts: > 500
From: UK. Phone:Samsung Galaxy A54 5
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When I started off I took my motorbike first. Started on a H reg Honda MT50 to start and through to Suzuki GSX's after passing.Because I'd already got a full motorbike licence. I was exempt from doing the Theory test for a car. My first car was an old 1982 Mini City E 1.0 which I bought for £75. Nothing up with the bodywork and it had a goldseal engine in. Only thing it needed was a complete exhaust.
I learned to drive in the Mini and also took my test in it. I took my insurance out with Direct Line as a learner which was £525 third party fire and theft.
As Tazz mentioned earlier on in this thread. It does help by having a motorbike first as it does make you more aware of whats happening on the road and more cautious when you start to drive a car..
A car I would suggest you look at would be either a 2000 model VW Lupo or a SEAT Arosa 1.0 S/SE. Very economical and very low insurance.
I was paying £200 fully comp on an X reg (2000) 1.0 Lupo SE with a few mods and 6 points on my licence.
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jcwhite_uk
Joined: Feb 18, 2004
Posts: > 500
From: Dorset, UK Phone:Xperia Z1
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I am 29 with 11 years no claims and it knocks a few quid off my insurance if I put my dad on my insurance as a named driver. |
faultymonkey
Joined: Sep 17, 2005
Posts: 29
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You don't even need a motorbike, a normal (pedal) bike will help just as much. I'm learning to drive now, but before I cycled around. Yes its true a lot of people take no notice of you and cut you up a lot, but it all helps when you get in a real car. Oh, and learning to swear with one hand and steer with the other is a useful skill
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Joined: Feb 03, 2005
Posts: 281
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On 2008-05-29 12:54:37, Daedalus85 wrote:
It's because younger drivers are several times more likely to have an accident than older drivers, hence why it's cheaper to have you on the insurance as his Dad because it shows it won't just be some 17 year old hooligan driving around crashing into things (in their eyes anyway, not saying he is, but alot of 17 year olds are, and that pushes the prices up).
At that age, and to learn in, a 1.2 is the absolute most you'll need really. A 1.6 is just excessive at that age, for both insurance, petrol and power.
I agree mate, I only have a 1.6 because my mum gave it to me for a birthday present, i'd like to save up, sell it and downgrade, but need some more cash 1st.
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Yoruichi
Joined: May 10, 2007
Posts: 82
From: Many Places
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most insurance companies will also give a discount on premiums to people who attend defensive driving courses. though you have to inquire with them as they wont tell you about it.
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Daedalus85
Joined: Apr 23, 2007
Posts: > 500
From: Suffolk, UK
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Lol, rather than defensive driving courses (ummm, I think their meant for the police and armed forces only), I think you mean things like the 'Pass Plus' scheme where you have 6 advanced 1-hour lessons and you get a certificate at the end to show the security companies you're a safer driver.
My opinions on this forum are that of my own and not of the company I work for. |
Aware
Joined: Jun 24, 2006
Posts: > 500
From: Oxon, UK
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Actually James, you can do the defensive courses(there are quite a few available to consumers), but they do cost(well, doesn't everything fun - but worth it to learn J-turns! )......
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dude_se
Joined: Dec 16, 2004
Posts: > 500
From: Evesham, UK
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im 18 in a few days, have passed my test months ago, and have been researching cars. cheapest i can find is like £1200 insurance and thats for your bog standard 1.0-1.1
ford Ka's seemed pretty good but i dont really want one.
its just so damn expensive 
dude_se
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Posted: 2008-05-29 00:55
p990i(r6d), n82-1(20.0.062)
