Young driver Insurance

[Swim Jim]

Im trying to find insurance for my son who has just passed his driving test.

We have been given Peugeot 206 2002 1.4L 12 months MOT

Ive checked the difference between a 1.4L and 1L car and its under £200.

The cheapest online quote is from MoreThan @ £1988 fully comp black boxed

Has anybody any experience and could offer advice

 

[JayD]

When my daughter got her first car, she went with 'Hastings' having heard that they 'specialised' in new drivers. I also added myself as a second driver, and the premiums dropped dramatically.

John.

 

[Me and my lad]

I also added myself as a second driver

 

[lp1886]

Can you take out the policy in your name, and put him down as a named driver?

 

[genesis]

Im trying to find insurance for my son who has just passed his driving test.

We have been given Peugeot 206 2002 1.4L 12 months MOT

Ive checked the difference between a 1.4L and 1L car and its under £200.

The cheapest online quote is from MoreThan @ £1988 fully comp black boxed

Has anybody any experience and could offer advice

Welcome t the problem of new drivers.

You will do well to find anything under £2000 that hasn't got lots of excess added on. The black box is a must for cheaper insurance and most will quote you on the mileage your son expects to do over 12 months. If you go over it they can charge you extra per mile or sell you another block of 1000 miles. The best thing is to not go bigger than an 1.1l as it makes a hell of a difference. And of course your postcode will play a big part. It can work out cheaper if you put yourself down as a named driver but I would avoid insuring in your name and putting your son down as second driver as that can ruin your own no claims in the event he has a bump. Best of luck.

 

[NoCarpPlease]

well the stats show that new drivers have a lot more accidents ... the cost is less for the value (repair) of the vehicle in question - more for third party reparation and physical injuries.
So there's not a lot that you can do to mitigate those risks, even voluntary excess doesn't help much there as the costs can be really high.

 

[Swim Jim]

Thanks for the reply’s

£1988 is the cheapest I think we are just going to have to bite the bullet. Next year it should drop if he’s accident free. My wife and I are down as additional driverS which did bring the price down considerably, but my son is the named driver.
We did look at the root of me being named driver and my son being named on it As an additional driver..Obviously it was cheap as chips. It also stipulated that my son could not use it for commuting. A couple of our friends have insured their kids this way. I’m sure if their kids have an accident driving to 6th form college the insurance company’s would blatantly refuse to pay. I’m not willing to take the chance. It also gets his insurance history up and running.

 

[me]

my daughter passed her test 6 months ago and we were surprised at some strange things that bought her insurance down . She got fully comp for £1900 with excess at £250 for a 1.6 mini cooper

We thought the lower cc the cheaper her insurance would be - Wrong
for a 1 liter, 1.2, 1. 4 they were all well over 2 grand the 1.6 cooper was way cheaper

We thought a black box would bring the cost down - Wrong
it was dearer with the black box than it was with out , plus the black box came with loads of clauses ie only drive between certain hours , milage, ect

she looked on compare the market and go compare . At the time go compare were offing £250 excess on all polices so she opted for £500 excess on her policy so she only as to pay £250.
Also add as many people OVER 25 on the policy as named drivers
When it asks for start date for policy set it 22 days from the date you look for your quote . The shorter the time after 22 days the more the price goes up

 

[Ken the Pacman]

I had a multi car policy with direct line already and added my daughters car a fiat 500 3 years old with my wife as a named driver plus the black box for just over £1000 which was cheaper than anywhere else by a fair amount.

 

[genesis]

she looked on compare the market and go compare . At the time go compare were offing £250 excess on all polices so she opted for £500 excess on her policy so she only as to pay £250.

Not sure if its the way you have typed it but the £250 Excess is what you have to contribute to any repair. The fact she opted for a £500 excess means she will have to contribute all that amount to any claim repair. So that is not a good deal. You can have even cheaper insurance if you have a £1000 excess.

 

[J W]

When did he pass his test?
We took out insurance with More Than as they were the cheapest but by changing the start date until a week after passing his test made a difference of around £250. It was still £2k though!

As has been said, adding named drivers with no recent claims can also make a difference.

Whatever you do though, it still feels like extortion.

 

[Swim Jim]

When did he pass his test?
We took out insurance with More Than as they were the cheapest but by changing the start date until a week after passing his test made a difference of around £250. It was still £2k though!

As has been said, adding named drivers with no recent claims can also make a difference.

Whatever you do though, it still feels like extortion.

To be honest JW I may of come unstuck here. His test is on 9th Oct. we were just gaining quotes based on if he had a full licence. We can get him insured provisionally but they won’t give us a quote for when he’s passed his test. The date we put down was when he got his (provisional) licence it doesn’t actually ask you when you got your full licence.
How old JW was your daughter when she passed her test?

 

[Swim Jim]

We thought a black box would bring the cost down - Wrong
it was dearer with the black box than it was with out , plus the black box came with loads of clauses ie only drive between certain hours , milage, ect

Ive just re applied for a quote with Money Supermarket not going through young drivers. After you put in his age every quote came back with a black box fitted. Your were not Even given the option to remove it.

 

[stephenk]

My daughter has just passed hers (age 18)
Best we could get on a 1 litre fiesta is £1400 with marmalade.

I'm starting the conversation now....if she has the fiesta....can I have a fishing van ?

 

[J W]

To be honest JW I may of come unstuck here. His test is on 9th Oct. we were just just gaining quotes based on if he had a full licence. We can get him insured provisionally but they won’t give us a quote for when he’s passed his test. The date we put down was when he got his (provisional) licence it doesn’t actually ask you when you got your full licence.
How old JW was your daughter when she passed her test?

It was my son and he was 17.

To be honest, looking at sample quotes now is not a good indication of what will be in October. As I found out, there is no rhyme or reason to young driver insurance. On the day he passed his test, I got an online quote from More Than of £2400 to commence the following day. I decided not to book and to shop around. Having found nothing cheaper I did another online quote with More Than the following day and got quoted £2150 based on exactly the same parameters. When I rang to check that was correct, the girl explained that the prices change constantly. She then checked to see the difference if we started the insurance a couple of days later, rather than the next day, and that brought the quote down to £1900!! Fully comp. So by requoting the day after and delaying the policy start date we saved £500.

If you are looking for learner driver insurance whilst you lad is learning, I would definitely recommend Collingwood Insurance. They are really good. Insured my lad fully comp in his own car with one named driver for just over £300 and then we got a pro rata refund for the outstanding term when he passed his test.

Hope this helps mate?

 

[me]

Ive just re applied for a quote with Money Supermarket not going through young drivers. After you put in his age every quote came back with a black box fitted. Your were not Even given the option to remove it.

My daughters out at the mo. When she gets in I will ask her how she did it and post here. I know she's with Churchill through go compare
I know she showed me her quotes and some were coming out cheaper with compsnies with out the black box than with , some other companies were slightly cheaper with the black box but when you look at the restrictions of having the box , time restrictions, milage restrictions, fines for speeding over reving, sharpe breaking ect it wasn't worth the hassle of the black box .

 

[J W]

I would add that the black box is brilliant. I have a copy of the app as well as my son and I can see the driving reports and make sure he's behaving himself. They also get rewards for keeping within the speed limit and smooth driving. I'm convinced it forms good driving habits and my son sees it as a challenge to keep his scores high. So much so he says he'd be happy to keep the black box another year if it keeps the cost down.

 

[me]

It was my son and he was 17.

To be honest, looking at sample quotes now is not a good indication of what will be in October. As I found out, there is no rhyme or reason to young driver insurance. On the day he passed his test, I got an online quote from More Than of £2400 to commence the following day. I decided not to book and to shop around. Having found nothing cheaper I did another online quote with More Than the following day and got quoted £2150 based on exactly the same parameters. When I rang to check that was correct, the girl explained that the prices change constantly. She then checked to see the difference if we started the insurance a couple of days later, rather than the next day, and that brought the quote down to £1900!! Fully comp. So by requoting the day after and delaying the policy start date we saved £500.

Like i said either the best time to take out a new policy or renew an existing policy is 22 days before its due .
I worked in a large motor insurance office a few years ago and will i was working I was talking to the staff about insurance and how it works and best way to get best prices ect ect.
They admitted it was a mine feild and its made up as it goes along but the all mentioned the 22 day rule .
Each day less than 22 days the price increase as they now you are running out of time and the closer you are to your date am desperate to take the price

 

[me]

Not sure if its the way you have typed it but the £250 Excess is what you have to contribute to any repair. The fact she opted for a £500 excess means she will have to contribute all that amount to any claim repair. So that is not a good deal. You can have even cheaper insurance if you have a £1000 excess.

The deal was go compare would give you £250 free excess.

Yes her insurance may have been cheaper if had choose compulsory £1000 but if any thing happens she would have to pay £750 and go compare pay £250.
The policy my daughter as got her compulsory is £500 voluntary zero, so if any thing happens she pays £250 and go compare £250

 

[Swim Jim]

My daughter has just passed hers (age 18)
Best we could get on a 1 litre fiesta is £1400 with marmalade.

I'm starting the conversation now....if she has the fiesta....can I have a fishing van ?

That seems remarkably cheap.