Car insurance for a 17 year old
Car insurance for a 17 year old
Currently looking for insurance for my son. Hes 17, not passed yet but i expect he will in the next few months.
Looking for advice re; best way to find a good deal( comparison sites etc) and if there are any hacks to bring down the price of his policy (named drivers etc).
I'm clueless when it comes to this as I'm on a company policy and not had to source mine for a good 6 or 7 years
Looking for advice re; best way to find a good deal( comparison sites etc) and if there are any hacks to bring down the price of his policy (named drivers etc).
I'm clueless when it comes to this as I'm on a company policy and not had to source mine for a good 6 or 7 years
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Re: Car insurance for a 17 year old
Take out a mortgage.
Cheap, small engine, car. Get a black box and put yourselves on as named drivers, that was what we found the cheapest.
Everything is against them though, even worse trying to get a young person on a company policy today. Last quote was £1000, per month.
Cheap, small engine, car. Get a black box and put yourselves on as named drivers, that was what we found the cheapest.
Everything is against them though, even worse trying to get a young person on a company policy today. Last quote was £1000, per month.
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Re: Car insurance for a 17 year old
Thanks. Got him a Toyota Aygo. He wont be on a company policy. I'm expecting somewhere between 2 and 2.5 k per yearWadingInDeeper wrote:Take out a mortgage.
Cheap, small engine, car. Get a black box and put yourselves on as named drivers, that was what we found the cheapest.
Everything is against them though, even worse trying to get a young person on a company policy today. Last quote was £1000, per month.
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Re: Car insurance for a 17 year old
My daughter's first policy was about £2400, but she got some back part way through for being a safe driver.
I've got it all to go through again in a few months.
I've got it all to go through again in a few months.
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Re: Car insurance for a 17 year old
If you can bank roll him (as guarantor )one of the best ways to get on the insureds ladder is a small car with insurance. They crucify anyone with an older car, so cheap runarounds really don’t exist anymore.
Black box is insisted on by some and rubbished by other providers so don’t just look at black box as an option.
Black box is insisted on by some and rubbished by other providers so don’t just look at black box as an option.
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Re: Car insurance for a 17 year old
I dont want to get him something brand new. I just think he will have some kind of prang in his first year.elwaclaret wrote:If you can bank roll him (as guarantor )one of the best ways to get on the insureds ladder is a small car with insurance. They crucify anyone with an older car, so cheap runarounds really don’t exist anymore.
Black box is insisted on by some and rubbished by other providers so don’t just look at black box as an option.
I'm happy with the black box. I think it will give me a little piece of mind. He will know hes being monitored and will have to drive accordingly
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Re: Car insurance for a 17 year old
Friend of ours had her son on the insurance tracker with penalties for speeding.
Gets a letter informing them he’s been excessively speeding and penalty. Lad says he’s innocent, whist being bollocked. When they check back it had been in for its MOT and had been on the rolling road. Thankfully proof was accepted and penalty anulled.
Gets a letter informing them he’s been excessively speeding and penalty. Lad says he’s innocent, whist being bollocked. When they check back it had been in for its MOT and had been on the rolling road. Thankfully proof was accepted and penalty anulled.
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Re: Car insurance for a 17 year old
For my daughter I found out what the cheapest cars to insure were rather than get a car then look for insurance. I got her a Seat Mii. Cost £900 insurance for a 17 year old.
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Re: Car insurance for a 17 year old
There certainly is that about it. The all think they’re bulletproof at that age... just like we did.Damo wrote:I dont want to get him something brand new. I just think he will have some kind of prang in his first year.
I'm happy with the black box. I think it will give me a little piece of mind. He will know hes being monitored and will have to drive accordingly
I stopped driving due to illness and so had to re start my insurance, fully comp with full no claims to none. Same car went from £300 a year to over £2,000 when I asked why so extortionate... age of car, kids don’t look after older cars... they wouldn’t move even when l pointed out I was 45 at the time.
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Re: Car insurance for a 17 year old
Was going to suggest this too. Needs to be a good combination of old enough to not be too valuable but young enough to not be deemed unreliable. 5-8 years on a One litre likely the best idea.TheOriginalLongsider wrote:For my daughter I found out what the cheapest cars to insure were rather than get a car then look for insurance. I got her a Seat Mii. Cost £900 insurance for a 17 year old.
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Re: Car insurance for a 17 year old
Be mindful of blackboxes because, in my experience, the speeding information is manually verified when a speed alert is made.
What I mean by this is, data is sent over via GPS and the accelerometers in the box, suggesting that X speed was done on X Road.
Once this is sent over it is compiled into a big document which then gets manually checked to make sure it is correct, with staff going on to Google Earth to make sure that road is what the GPS data says it is and that the speed information is correct.
This is certainly true for Aviva boxes via Vodafone and would cause a lot of issues as if there were three instances of speeding in a short time that hadn't been manually checked, a customer would have their insurance cancelled without any actual warning.
It may be different now but this was true last year as I was working there over summer.
What I mean by this is, data is sent over via GPS and the accelerometers in the box, suggesting that X speed was done on X Road.
Once this is sent over it is compiled into a big document which then gets manually checked to make sure it is correct, with staff going on to Google Earth to make sure that road is what the GPS data says it is and that the speed information is correct.
This is certainly true for Aviva boxes via Vodafone and would cause a lot of issues as if there were three instances of speeding in a short time that hadn't been manually checked, a customer would have their insurance cancelled without any actual warning.
It may be different now but this was true last year as I was working there over summer.
Re: Car insurance for a 17 year old
The motor insurance industry is completely corrupt.elwaclaret wrote:There certainly is that about it. The all think they’re bulletproof at that age... just like we did.
I stopped driving due to illness and so had to re start my insurance, fully comp with full no claims to none. Same car went from £300 a year to over £2,000 when I asked why so extortionate... age of car, kids don’t look after older cars... they wouldn’t move even when l pointed out I was 45 at the time.
You hear so many stories about what they get up to.
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Re: Car insurance for a 17 year old
Something to consider with a black box is if he works and finishes late.
Somebody I know had one, who got penalised for driving home from work when he finished at 10pm
Somebody I know had one, who got penalised for driving home from work when he finished at 10pm
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Re: Car insurance for a 17 year old
Depend g on which one you use it can completely take the joy of driving away. I was with admiral smart box and I was graded 100/100 for driving within the hours (7am-11pm I think)
Then, after 30hrs of driving within these limits I had to get to the airport at 1am.
When I checked the app after, the one hour out of hours v the 30 in hours mean tmy rating dropped from 100 to 13.
I cancelled the insurance there and then and went elsewhere. Absolute con.
Then, after 30hrs of driving within these limits I had to get to the airport at 1am.
When I checked the app after, the one hour out of hours v the 30 in hours mean tmy rating dropped from 100 to 13.
I cancelled the insurance there and then and went elsewhere. Absolute con.
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Re: Car insurance for a 17 year old
Collingwood do Learner Driver Insurance and it costs about £30 a month, We've bought a Corsa and it'll cost about £800 to insure when he passes his test.
Re: Car insurance for a 17 year old
I hadn't thought of that. He works into the early hours at the weekendwilks_bfc wrote:Something to consider with a black box is if he works and finishes late.
Somebody I know had one, who got penalised for driving home from work when he finished at 10pm
Re: Car insurance for a 17 year old
I contemplated insuring him on the car while he's learning, but then I heard some stories of the price jumping up to 3 or 4 thousand pound after passing, and the only way to avoid paying an extortionate rate was to cancel and start a new policy.Guich wrote:Collingwood do Learner Driver Insurance and it costs about £30 a month, We've bought a Corsa and it'll cost about £800 to insure when he passes his test.
It seems they know they can quote you whatever they like once you have committed to the policy before they pass
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Re: Car insurance for a 17 year old
I thought the black box was a speed thing, didn't realise they had a curfew as well, jeez.
Re: Car insurance for a 17 year old
Our Collingwood policy is just for learners and stops a soon as he's passed.Damo wrote:I contemplated insuring him on the car while he's learning, but then I heard some stories of the price jumping up to 3 or 4 thousand pound after passing, and the only way to avoid paying an extortionate rate was to cancel and start a new policy.
It seems they know they can quote you whatever they like once you have committed to the policy before they pass
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Re: Car insurance for a 17 year old
Some of them can even sense how efficient you are driving too, how often you brake too quickly and other "safe driving" things.dougcollins wrote:I thought the black box was a speed thing, didn't realise they had a curfew as well, jeez.
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Re: Car insurance for a 17 year old
WadingInDeeper wrote:My daughter's first policy was about £2400, but she got some back part way through for being a safe driver.
I've got it all to go through again in a few months.
£2400 for Insurance? Good grief I only paid £40 for my first car
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Re: Car insurance for a 17 year old
My insurance company refused point blank to put my 18 year old daughter on mine when she’d passed. Did some research Toyota aygo came up as one of the cheapest in missus name (£500 for her policy) with a bolt on marmalade policy (£1000 ish)in daughters name.
Marmalade are a bit of a pain to deal with but their box seems hassle free once fitted - plus daughter gets no claims - just come down to £860 for 2nd year
Marmalade are a bit of a pain to deal with but their box seems hassle free once fitted - plus daughter gets no claims - just come down to £860 for 2nd year
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Re: Car insurance for a 17 year old
Get em a bus pass
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Re: Car insurance for a 17 year old
A lot have that for younger drivers as we know but wouldn’t say it’s a curfew more of a monitor of your driving habits.dougcollins wrote:I thought the black box was a speed thing, didn't realise they had a curfew as well, jeez.
I have one through my policy which measures duration distance speed of journey along with breaking habits ie heavy/late breaking.
It’s reduced my policy by £100 over 2 years and I’m in my 40s
Re: Car insurance for a 17 year old
They are justifiably expensive for a reason. There are many sensible drivers but there are also some very stupid individuals in Chavved up Corsas and young girls in financed A1s and A Class cars who think they have mastered the art of driving. Cars used to be harder to drive, you had no multi media distractions and would start with an old banger.
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Re: Car insurance for a 17 year old
An MOT test wouldn't result in excessive speeding, the only rolling road is the brake tester and they don't build up much speed.Tricky Trevor wrote:Friend of ours had her son on the insurance tracker with penalties for speeding.
Gets a letter informing them he’s been excessively speeding and penalty. Lad says he’s innocent, whist being bollocked. When they check back it had been in for its MOT and had been on the rolling road. Thankfully proof was accepted and penalty anulled.
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Re: Car insurance for a 17 year old
Doubt that would have happened on a rolling road.GodIsADeeJay81 wrote:An MOT test wouldn't result in excessive speeding, the only rolling road is the brake tester and they don't build up much speed.
More likely is that somebody has been out for “test drive” whilst in for MOT and used that as an excuse to cover their backs once found out
Re: Car insurance for a 17 year old
They also get the speed from the GPS in the black box, they aren't connected to the ECU so the black box would think the car is stationery even if the Speedo was reading 100mph while on a rolling road.GodIsADeeJay81 wrote:An MOT test wouldn't result in excessive speeding, the only rolling road is the brake tester and they don't build up much speed.
Think the young lad pulled a blinder here
Re: Car insurance for a 17 year old
Be careful making you or your partner the car owner and main driver to get it cheaper for a son/daughter, I did it but was advised that if they have a bump and it is proven that they are the main driver your insurance is null and void. That could cost.
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Re: Car insurance for a 17 year old
An expensive way to reduce your yearly bill is to move.
I saved 50% one year when I spent some time working down south before i moved out here compared to the year previous by just changing the postcode.
If it's any consolation, car insurance here is also expensive but a little more straight forward in that they just look at your age, the car age and value and apply 10% discount for each year of no claim capped at 50%. So I'm paying around 700 quid a year.
This video is of a crash yesterday but is typical of the types of crashes that occur on a daily basis and posted on the internet as everyone has dash cams. Only on Saturday I was almost t boned on a t junction turning onto the one way carriageway as a car decided the red light was not mandatory, fortunately I had the sense to give way.
https://youtu.be/Rxsr5bPiMIE" onclick="window.open(this.href);return false;
I saved 50% one year when I spent some time working down south before i moved out here compared to the year previous by just changing the postcode.
If it's any consolation, car insurance here is also expensive but a little more straight forward in that they just look at your age, the car age and value and apply 10% discount for each year of no claim capped at 50%. So I'm paying around 700 quid a year.
This video is of a crash yesterday but is typical of the types of crashes that occur on a daily basis and posted on the internet as everyone has dash cams. Only on Saturday I was almost t boned on a t junction turning onto the one way carriageway as a car decided the red light was not mandatory, fortunately I had the sense to give way.
https://youtu.be/Rxsr5bPiMIE" onclick="window.open(this.href);return false;
Re: Car insurance for a 17 year old
Completely agree. With the levels of insurance premiums being quoted on here, surely it would firstly be common sense to ask if car ownership for a 17 year old really was essential. Is it not possible to walk? get a bus? get a taxi? (£2500 would offer quite a number of taxi rides).theroyaldyche wrote:Get em a bus pass
Re: Car insurance for a 17 year old
You can't put the parents down as main driver as stated above, but even putting yourselves down as named drivers can save quite a bit. My nephew's first insurance was when he was 22, and yet £2,000 was the cheapest. Adding his parents as named drivers brought it down to £1,000, even though they live 150 miles away. There's no misdeclaration - all you are saying is that the parents might drive it, not that they will.
Of course, they may have blocked that loophole now.
Of course, they may have blocked that loophole now.
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Re: Car insurance for a 17 year old
Billyblah wrote:Completely agree. With the levels of insurance premiums being quoted on here, surely it would firstly be common sense to ask if car ownership for a 17 year old really was essential. Is it not possible to walk? get a bus? get a taxi? (£2500 would offer quite a number of taxi rides).
Its all. I want. I need
Havent got a clue about costs or money
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Re: Car insurance for a 17 year old
And I'm guessing neither of you had a car when you were in that age bracket?
Re: Car insurance for a 17 year old
That probably depends on whether they could afford one. "Bank of Mum and Dad" doesn't necessarily run to buying and running a car for the grown-up son.Claretmatt4 wrote:And I'm guessing neither of you had a car when you were in that age bracket?
Re: Car insurance for a 17 year old
Was on my ex wifes insurance and then parents for a number of years due to costs etc.
Just got my own at 35, needs to be done sometime. Even that came in at £1,500.
What I would say is use a recognized firm, I went cheaper at £1150 with a company called RCI (no indication on comparison site that they were brokers) then after the 14 day cooling off period they contacted me for a further £800 in total saying I had given false information, I hadn't and double checked this. Luckily I have a bit about me and was able to 'bully' them into a refund but I had to fight for it.
Just got my own at 35, needs to be done sometime. Even that came in at £1,500.
What I would say is use a recognized firm, I went cheaper at £1150 with a company called RCI (no indication on comparison site that they were brokers) then after the 14 day cooling off period they contacted me for a further £800 in total saying I had given false information, I hadn't and double checked this. Luckily I have a bit about me and was able to 'bully' them into a refund but I had to fight for it.
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Re: Car insurance for a 17 year old
I put my husband down as name driver (i was 23 at the time) now 24.. hubby is older and been driving years it was around £1,200 approx.. no black box or anything and a brand new car. I was on his insurance as a provisional learner when I passed I updated it cost a few hundred, then bought my own car
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