Insurance for new, young drivers

proctors_perm

proctors_perm

Active member
Just had a sobering set of quotes for a 1.2 ltr ford fiesta for my 17 year old daughter who has just passed today.

Anyone have any tips on keeping insurance costs down?

it seems like using a provider like ticker (with this black box tech/app) is the only way to get it mildly reasonable.
 
Black box, add yourself and Mrs? as a named driver.

That's about it. We've been going through this for the last 2 years it's absolutely eye watering.

Hasn't helped insurance has rocketed this year too. Daughter had a years no claims under her belt and insurance went up £3-400. 😳😳

Robbing b*stards.
 
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Don’t get a fiesta or corsa… most stolen cars and most that have parts nicked from them

Price will be lower for other cars
 
When I was 17 or 18 and I had my own little car (our mams old car, a 950 fiesta - I think I have had more powerful lawn mowers) my insurance was about £500/year for 3rdP,F&T
That translates as £1000 today, allowing for inflation.
How does that compare to nowadays?
 
Just bought and insured a car for my 19yo daughter.

We started looking at Fiestas and Polos but the insurance was ridiculous. Cheapest was about £3600.

Looked at Hyundai i10 and the like, they were the only ones affordable.

Ended up with a Toyota Aygo, insuring with Admiral. Price was £1890, fully comp, no black box. Put the wife on the policy as a named driver. Got a £300 discount because our house insurance is with Admiral.

Just get a cheap car for the first few years to build up a no claims bonus.
 
MoggasDog said:
When I was 17 or 18 and I had my own little car (our mams old car, a 950 fiesta - I think I have had more powerful lawn mowers) my insurance was about £500/year for 3rdP,F&T
That translates as £1000 today, allowing for inflation.
How does that compare to nowadays?
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Ironically 3rd party, f and t is now more expensive than fully comp.

Best price I can find is £1,900
 
For my 18 yo daughter we bought a Kia Picanto (1.2l), Ticker insurance, me as a second driver and a limit of 5k miles, but no curfews.

This was October, came in at a few quid under £1,100. They reckon a gap of around 3 weeks between getting the quote and the start date helps as well. Suspect our NE26 postcode may have played a part as well mind.
 
Chutney said:
For my 18 yo daughter we bought a Kia Picanto (1.2l), Ticker insurance, me as a second driver and a limit of 5k miles, but no curfews.

This was October, came in at a few quid under £1,100. They reckon a gap of around 3 weeks between getting the quote and the start date helps as well. Suspect our NE26 postcode may have played a part as well mind.
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Agree with this, 21 days out (apparently people who plan in advance are lower risk), lower the miles, and put yourself and any other adult with a clean license as a named driver. Unfortunately, that's about it
 
Lowest we could find for my just passed 17yr old daughter was oddly a non black box policy with Churchill at £1000 fully comp with my partner as policy holder driver and me and daughter named. This is on a VW Up which seemed to be one of the better cars insurance wise based on my research.
 
m3t4tr0n said:
Lowest we could find for my just passed 17yr old daughter was oddly a non black box policy with Churchill at £1000 fully comp with my partner as policy holder driver and me and daughter named. This is on a VW Up which seemed to be one of the better cars insurance wise based on my research.
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Umm. I wouldn't advise doing this. It's called fronting.
 
Another thing you can do to reduce the premium is increase the voluntary excess, but obviously not beyond what you can afford.
 
m3t4tr0n said:
Its fronting if she isn't the main driver of the car. My daughter can use the car, its not HER car.
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That's not what you said though, you said the lowest (insurance) "for my just passed 17yr old daughter". That's not her insurance and it was also a very long explanation for simply stating you added her as a named driver on someone elses car.

What you described, without any additional context, was fronting.
 
Chris_Boro said:
That's not what you said though, you said the lowest (insurance) "for my just passed 17yr old daughter". That's not her insurance and it was also a very long explanation for simply stating you added her as a named driver on someone elses car.

What you described, without any additional context, was fronting.
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It's been going on for years but I seem to remember there was something in the news in the last few years about this and how companies are trying to clamp down on it. At some point, the said driver is going to have to take ownership of a car and the premiums will always start high due to no insurance history.

Adding a parent as a named driver will bring the policy price down.



When you buy car insurance, the insurer will ask who the main driver will be and calculate your premium based on this information. It will also give you the option to add a named driver or additional drivers.

Fronting in car insurance is when someone – often a parent or older driver – falsely claims they are the main driver of a vehicle when in fact it is a younger, or less experienced, driver who will be using the car the most. Having an older driver as the main driver will result in a cheaper premium.

Policies for young motorists can be eye-wateringly expensive, so it’s easy to see why fronting would appeal. However, fronting is illegal, and if an older motorist is falsely naming themselves as the main driver of a car then the insurance policy can be invalidated. In some cases the driver could even find themselves charged with insurance fraud which is a serious criminal offence.
 
Chris_Boro said:
That's not what you said though, you said the lowest (insurance) "for my just passed 17yr old daughter". That's not her insurance and it was also a very long explanation for simply stating you added her as a named driver on someone elses car.

What you described, without any additional context, was fronting.
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okay I understand the interpretation now, however that isn't what I meant. If I were too verbose for you, I apologise, I know its something I have been known to do a little too much generally.
 
m3t4tr0n said:
okay I understand the interpretation now, however that isn't what I meant. If I were too verbose for you, I apologise, I know its something I have been known to do a little too much generally.
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Fair enough. However, being too verbose wasn't really the issue, missing the rather important context of it not being either your daughters car or insurance policy, was.

I've dealt with many claims where people accidentally fell into fronting because it's something they heard or read someone else do, not realising it's illegal with potentially serious criminal consequences.
 
Put the excess to £1000 (as long as you daughter can pay it in the event of a claim or you can on her behalf). Limit her mileage to 5,000 per year. If she goes on a long journey she goes on a train, coach, with your or someone else etc. Often the default is 10,000 miles per year and the default excess is £500.

If she wants breakdown cover buy it seperately, same for legal cover.

Buy 21 to 23 days before.

Park her car in the garage at night if it lowers the premium.

Get out insurance brokers who are not comparison websites, they sometimes have access to Lloyds syndicates that offer cover than comparison websites do not

Signed
Martin Wurzel :)
 
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