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Insurance for new drivers! OMG |
masseur
Joined: Jan 03, 2003
Posts: > 500
From: Sydney, London
PM |
so... my son has applied for his provisional licence, we've booked lessons, he's studying the Highway Guide and can pass the online test everytime. So he's well on his way to getting his driving licence.
I've said I'd sort him a cheap car and we've found quite a few for under £500 that are perfectly suitable with long MOT and tax etc but then I call the insurance companies...
for 1.4 litre M reg Ford escort they want a minimum of £2000+ just for 3rd party insurance, not even fire and theft!... and that was the cheapest car I got a quote for, some, like a 1.8 peugot 306 were quoted at £3095 for third party
so, are there any tips and tricks for what cars attract the lowest insurance and/or the best insurance companies for new drivers?
my wallet will be thankful for any tips!
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fatreg
Joined: Jul 26, 2003
Posts: > 500
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looking at a 1.4/1.6 for a 17 year old kid is always going to end in an empty wallet!
you need to look at 1.0-1.2 litre engines  |
masseur
Joined: Jan 03, 2003
Posts: > 500
From: Sydney, London
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thanks for that, I was sort of coming to that conclusion.
still, its all very scary numbers though, nothing like what I expected (maybe sub £1000)
I'm with directline and what they told me was to let him get his licence now, then don't drive for a year when he can benefit from being 19, not 18, and also the fact that he has had his licence for a year.
I said thats crazy if he gets lower insurance at that time without having driven since getting his licence but they said thats just the way the system works!
anyway, he really needs more freedom of movement and I won't let him have a bike until he's driven a car for 2 or 3 years and has more appreciation for the road.
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number1
Joined: Sep 12, 2007
Posts: > 500
From: UK,kent,Sittingbourne
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the older vaxhall corsa's are cheap to insure i was gonna get the 1.4 SRI. |
max99
Joined: Nov 24, 2004
Posts: > 500
From: Manchester (@ Uni)
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1.2 litre car
3rd party, and named driver is cheapest method to do it really. |
Trev1982
Joined: Mar 07, 2007
Posts: > 500
From: 192.168.0.6
PM |
You are more careful on a Bike than a car, you are more alert because you have so many stupid young people driving cars, i wont even get in a car with some people i no i would rather walk, having him do a cbt test and riding a moped for a year or so will give him the confidence, Sorry for interrupting i dislike cars lol
BB 8120 |
amnesia
Joined: Jan 15, 2004
Posts: > 500
From: Doha, London, Tokyo, Shanghai
PM, WWW
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it was funny because there are ways around this.
I found that Tesco insurance can be cheap if you just max out the premium payout.
My friend added himself and his wife to a plan once with Norwich union and it was MEGA expensive.
So he put his wife as the main driver (despite her having less experience) and himself as the add-on and it was half price!
Try adding your wife as the main and your son as the extra driver 
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pmerryman
Joined: Jun 02, 2004
Posts: > 500
From: Oldham,Uk
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Mine was a 1.0 Talbot Sunbeam, and it cost £234 TPFT, and I though that was expensive when I first starting driving.
Think the thing to do is, a nice small engined car for defo. |
masseur
Joined: Jan 03, 2003
Posts: > 500
From: Sydney, London
PM |
thanks guys. spotted a decent peugeot 205 1.1 and used gocompare to find a price of £950 with some company called quinn-direct while everyone else is still quoting £2000.
may go with that.
@amnesia, I'll give that a try but the companies I called so far say that for any under 21 years old the main driver has to be the main insured person
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pmerryman
Joined: Jun 02, 2004
Posts: > 500
From: Oldham,Uk
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205, that was the Mrs first car. £950 still sounds expensive, but compared to the other quotes, its obviously not. |
leeboy13
Joined: Sep 28, 2005
Posts: > 500
From: Brissle - dodgy accients
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masseur get a mini.....
i pay £180 a year  ok, im over 25 and have 5 years no claims... but its double that for most other things - at least  |
masseur
Joined: Jan 03, 2003
Posts: > 500
From: Sydney, London
PM |
have you seen the price of mini's? even the old style are £800+ for something reliably decent. mind you I suppose if the insurance is that much less then we can spend more on the car but its swings and roundabouts I guess
worth a check out anyway. ta!
on the other hand, the peugeot has electric windows and a sun roof. not sure the old style mini has many comfort features
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number1
Joined: Sep 12, 2007
Posts: > 500
From: UK,kent,Sittingbourne
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i bought a 1988 vw gti for 65quid from the scrap yard 65quid also included some 16" alloy wheels i found there, engine was great apart from having the wrong exhast system and it didn't like going into 5th gear, bodywork was a bit of a mess.
when buying a used car you should check for damage to the round the ingition area & check the all the vin numbers match to make sure it's not stolen also if you can lift up the carpet to check it's not a cut & shunt, check the engine for any signs of leakages and check along the wheel arches for rust. |
procterdc
Joined: Jun 03, 2005
Posts: 334
From: Lytham St.Annes
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Try virgin car insurance. When I asked them why they don't participate in go compare or money supermarket etc, their response was "we don't need to, we know we're the cheapest"
And as it happens my BMW is now £48p/m fully comp. Tesco wanted £1100, Norwich union wanted nearly £1300. Give Virgin a go mate.
It ain't about how hard you hit, its about how hard you can get hit and keep moving forward - Rocky Balboa |
haynesycop
Joined: Mar 10, 2004
Posts: > 500
PM |
Try gocompare and moneysupermarket, i'm 23 and only just getting my first car and i got quoted anything between £500 - £3,000. You really have to shop around to be honest. Also when i passed my test i got given a booklet with various insurance companies that specialize in new and young drivers, maybe they still give those out. The cheapest i found for myself was Admiral, that didn't show up on the comparison sites so i did that independently. I'd definately look at 1.2 engines too and cars that are not too old as that will bump the premium up too.
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Posted: 2008-05-28 13:44
