Car insurance for 17 year olds...any suggestions?

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Car insurance for 17 year olds...any suggestions?
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Treacodactyl
Downsizer Moderator

Joined: 28 Oct 2004
Posts: 25795
Location: Jumping on the bandwagon of opportunism

Posted: Thu Mar 22, 12 9:06 pm Post subject:
It depends on the company, I know some do allow named drivers to build up NCD although I expect you'd have to take out the new policy with them at least to start with. Also don't forget that if the policy has the parent the main driver and the child is just a named driver the parent must to most of the driving, otherwise the insurance may not pay out which is understandable.

john of wessex

Joined: 18 Jun 2007
Posts: 2130

Posted: Thu Mar 22, 12 9:07 pm Post subject:
Having seen how the numties in Saxo's drive round our way, I dont understand how many of them get cover. Theproblem as far as I understand it is that there are fewer young drivers as a % of the under 21 age group BUT their accident rate is getting worse. (Or Terminal Stupidity rate is much higher)

oldish chris

Joined: 14 Jun 2006
Posts: 4148
Location: Comfortably Wet Southport

Posted: Thu Mar 22, 12 9:12 pm Post subject:
Is it worth noting that the reason insurance is so expensive is the very high probability that a youngster will be in an accident (and may get hurt).

Mary-Jane

Joined: 13 Jan 2005
Posts: 18397
Location: The Fishing Strumpet is from Ceredigion in West Wales

Posted: Fri Mar 23, 12 9:17 am Post subject:

Hairyloon wrote:

Alternatively, I did read (somewhere reasonably convincing) that it is not actually compulsory to have motor insurance, provided that you have �1/2million on deposit, ring-fenced in case of an accident.

You cannot get a tax disc without car insurance.

Rob R

Joined: 28 Oct 2004
Posts: 31902
Location: York

Posted: Fri Mar 23, 12 9:27 am Post subject:

Mary-Jane wrote:

Hairyloon wrote:

You cannot get a tax disc without car insurance.

Tax discs last for up to a year though, you can get car insurance for just a day.

Mary-Jane

Joined: 13 Jan 2005
Posts: 18397
Location: The Fishing Strumpet is from Ceredigion in West Wales

Posted: Fri Mar 23, 12 9:28 am Post subject:

Rob R wrote:

Mary-Jane wrote:

Hairyloon wrote:

You cannot get a tax disc without car insurance.

Tax discs last for up to a year though, you can get car insurance for just a day.

True. I hadn't thought of that.

Rob R

Joined: 28 Oct 2004
Posts: 31902
Location: York

Posted: Fri Mar 23, 12 9:29 am Post subject:
Obviously not got a criminal mind...

wipka84

Joined: 07 Feb 2009
Posts: 221
Location: Essex, UK

Posted: Fri Mar 23, 12 9:40 am Post subject:

If you're looking to buy the car, pick one in a lower insurance group. Autotrader also list the insurance group in the vehicle spec/performance tab/extra info area where they supply stock information about a particular make/model/year.

The car they're driving could make a huge difference.

Car Insurance Group Cars 1 - 4

The following cars are in the lower insurance groups and you should get cheap online car insurance as a result:

Fiat Panda, Punto
Citroen C1,C2
Ford KA, Fiesta
Peugeot 107, 206, 207
Vauxhall Meriva, Corsa
Toyota Aygo, Yaris
Renault Clio
VW Fox, Polo
Skoda Fabia, Felicia

Car Insurance Group Cars 4 - 7

The following cars are in the small family car bracket:

Nissan Almera
Citroen C3,C4
Ford Focus
Peugeot 307
Vauxhall Astra
Toyota Corolla
Renault Meganne
VW Golf

Car Insurance Group Cars 8 - 12

The following cars are in the small family car bracket:

Nissan Primera
Citroen C5
Ford Mondeo
Peugeot 407
Vauxhall Vectra
Toyota Avensis
Renault Laguna
VW Passat

The Highest group cars (groups 16-20), fall into the prestige car category and include all the usual names:

Audi, BMW, Mercedes, Lexus, Volvo, Jaguar, Porche, Ferrari etc.

Hairyloon

Joined: 20 Nov 2008
Posts: 15425
Location: Today I are mostly being in Yorkshire.

Posted: Fri Mar 23, 12 9:55 am Post subject:

Mary-Jane wrote:

Hairyloon wrote:

You cannot get a tax disc without car insurance.

Is what I thought, but I also thought insurance was obligatory as did everybody I know.
If we were wrong about one, then we may be wrong about the other.

Rob R

Joined: 28 Oct 2004
Posts: 31902
Location: York

Posted: Fri Mar 23, 12 9:59 am Post subject:
It is illegal for a car to be on the public highway without a valid tax disc, though.

Mary-Jane

Joined: 13 Jan 2005
Posts: 18397
Location: The Fishing Strumpet is from Ceredigion in West Wales

Posted: Fri Mar 23, 12 10:30 am Post subject:

wipka84 wrote:

The Highest group cars (groups 16-20), fall into the prestige car category and include all the usual names:

Audi, BMW, Mercedes, Lexus, Volvo, Jaguar, Porche, Ferrari etc.

Dammit - and there was I thinking that I might buy one of those for Jack (aged 17)

Thanks for the rest of the info about the car insurance groups though - that was very helpful

joanne

Joined: 28 Oct 2004
Posts: 7100
Location: Morecambe, Lancashire

Posted: Fri Mar 23, 12 12:34 pm Post subject:
That was helpful about the insurance groups - I may be in a better position to buy Sam a car next year, so knowing what is a cheaper insurance risk is handy

Hairyloon

Joined: 20 Nov 2008
Posts: 15425
Location: Today I are mostly being in Yorkshire.

Posted: Fri Mar 23, 12 12:37 pm Post subject:
The vehicle of choice when I was at skool was one of these. I expect the insurance on them is still relatively cheap...

dpack

Joined: 02 Jul 2005
Posts: 46239
Location: yes

Posted: Fri Mar 23, 12 1:06 pm Post subject:
and minors can drive em iirc

AnneL

Joined: 28 Jun 2010
Posts: 42
Location: East Yorkshire

Posted: Mon Apr 02, 12 11:20 am Post subject:

Try Collingwood for insurance for Learners. You can insure with them as an add-on for your car or for juniors own vehicle. We paid �240 for 84 days on sons car. You have to cancel when they pass and it doesn't count towards no claims.

After passing try comparison sites Sabre came out cheapest for our son, we had loads of quotes from the most expensive of �5950 from Aviva , CoverBox was �4070 and the best I could find was just over �3000. I spent a whole afternoon trying to get insurance sorted. We were advised to add both parents onto policy to bring price down a bit.

I tried to add other son to my Fiesta 5 years ago and was quoted an extra �2000 so it made �3000 for his own car seem reasonable.

I guess it depends if Jack really needs to drive now, it might be worth waiting till he's older and judged to be less of a risk .
Also some companys won't quote for a 17 year old e.g.Tesco which is meant to be good for young drivers

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