Carlos-Titx

Going to get the Mrs driving next year but what car to get her for her first? Seems that the older the car the worse the quote.
She is 25 so ran quotes for her as having a licence and see what we got.

My ST £1800 with me as 2nd driver
Mondeo ST Tdci £2800
Focus Estate £2500
Fiesta £3000
C-max, S-Max £2000
Focus MKI £3000

For a laugh, parked on street day and night 10k miles a year
Aston Martin Vanquish £2500
Ford GT40 £2650

WTF??????

Is there a science behind it? Where should we be looking for a first motor?
I want the Titanium X Mondy Estate so it could possibly be a case of Mrs insures the ST and I insure the Mondy if I got one.

How does it work? Is there a certain type or group of car we should look at as quotes are a bit hit or miss?

Typical first cars like small Fiestas and the such are the most expensive, is this because that is the sort of car people start driving and crash?

Thanks in advance.

KregRS

Honestly couln't say, but a friends son, just turned 18 and passed his test, mk1 Fiesta 1100, minor mods, pays just under a grand, don't know if its fully comp or tpft though. I know he got a quote for a mk2 Fiesta and it was more than a mk1, seemed to work out that the older the car, the cheaper the quote, think he had a quote on his dads 60's Rover and it was cheaper than the Fiesta!

Carlos-Titx

Want something modern and safe as she will have the little in the car.

Its a nightmare!

My first car was £1800 to insure an XR2i. Miss that motor.

Tony @ Greenlight

Hi Carlos,

Modern and safe is the way to go.

The perception is that when you're starting out buy a £500-£1000 old car, which was the way that most of us started out.

Brakes, suspension, regular maintenance and passenger safety rating of the vehicle are all factors now. Which with an older low value model will usually not compare well to newer models.

These days, with the rise in personal injury claims being the main factor driving the cost of cover skywards Insurers look at the safety of the vehicle.

It's not so much the cost of replacing or repairing your vehicle that concerns Insurers, as this is a known quantity. It's the potential for an injury claim (or claims) that will be influencing the price new drivers pay.

Has your partner just passed her test, or has she been driving for a while under a full licence (but been named on other people's policies)?

Kind regards

Tony