hi, trying to find insurance for my son 17 just done test wants a car only 1 litre around a grand in value, hes being qouted between 3 and 6 grand to insure a car tryed corsa,saxo,nova,fiesta,etc etc etc insurance seems crazy was bad enough back in my day but bloody hell 6 grand to insure a 1l saxo etc madness ,

can anyone help with a company that might be worth a try.....

 

he wont get cheap insurance

put him on yours thats the only way

 

He is going to get raped for the first couple of years no matter what he does. Best thing he can do is get something in the lowest possible insurance group and look at putting a parent on as a named driver.

Don't be tempted to insure it for him and add him as the named driver as this is insurance fraud (technical term is "Insurance Fronting" I beleive) which if caught out can land you in the brown smelly stuff.

 

Cars such as that will always be expensive to insure, as that's the sort of cars that are always driven by 17 year old yobbos.

My first car was a 1.6 rover. Very little street cred, but was cheaper to insure than a nova, and felt bloody quick when I was 17 too

 

Corsa 1.0 12v Club model. Group 2 insurance.
Try these people http://www.quinn-direct.co.uk/
Use this reg if you like, its for said car above X518GCR

Let us know how you get on.

 

i've got trade policy but they wont touch no one under 25.....

 

tryed allsorts inc skodas and saabs lol still 2-3 grand even on the misses policy it puts hers up by 3700 pounds to add him!!!!!

 

Pick a different car... the cars you listed are boy racer cars... which is why the price is high.

 

im 28 been drivin since i was 18 an they still wanted 1400 on my old escort gti, got my st24 2 weeks ago an its nearly halved my insurance, go figure! As others have said its alot to do with the cars, and how many claims ect that people of a certain age make in them

 

small commercial vehicle is the only option if a teenager, i reckon £1000-£1200 i could cover him

 

+1 i used quinn for my first year, they were pritty cheap a couple years back.......

 

what saabs volvos etc etc not seen many boy racers in these lol

 

just tryed em 6k for a corsa or saxo lol

 

Worst advice ever!

 

im 17 and the cheapest insurence i could get was 2.8k for a 1.2 fiesta but cheapest insurence is on the shittyest new ka but tbh your getting assraped for the first few years, get him to do pass pluss takes the insurence down abit aswell and oly costs you £17 or something with the government incentives (but thats just my area bung of rich kids in RS4's and the like ketting killed so they pay for £145 of the course )

 

if he's the main driver (driving more than anyone else) its gonna have to be his policy so he's gonna get bum raped i'm afraid.

if your misses has full no claims then add her on as a named driver, should bring it down a bit. i'm 22 and my mum saves me over £180 just be being a named driver, she hardly ever drives my car...only in emergencies.

also try something like a focus or modeo, family cars (even with bigger engines and higher insurance groups!!) are cheaper to insure because they are crashed less by young yobs.

also admiral is good 8)

 

I was with you until the last bit, Admiral and their group (Bell, Elephant, Diamond) are a total shower of shit! Dealt with them in a number of claims and they have never failed to perform even lower than my already very low expectations of them.

 

The ones that are to blame are these little fuck-heads I keep seeing who drive whilst texting/facebooking because they can't possibly go for 30 seconds without telling their mates that they've just had a shit or how great the new N-Dubz single is. I saw a chavvy kid on a scooter a few weeks ago texting whilst trying to negotiate a country lane.

Obviously this situation is MUCH worse now than it was 10/15/20 years ago as technology has brought the internet into mobile form.

 

really?! it is gettign beyond a joke really..... admiral are pritty good for me at the mo on my FRS only being 20, but completly different boat to your son really.... maybe try a fiat chinqychento????? not the best car, but should be good insurance lol

try any of these:
http://www.carpages.co.uk/car-insura...-group-1-1.asp

all group 1 insurance lol

 

try a quote on my astra and let us know how much it is.

Also as stated above, add his mum on there as it will bring the quote down

 

REALLY? Are you postcode fucked or not telling us something?...Like he borrowed your car when he was pissed up at 11 or something>

If not then i'm glad I bred females!

 

sorry i meant they are cheap...well cheaper than most for young drivers.

i have heard a lot of bad press about them on hear recently though

 

As said it's much cheaper if you go on as a main driver, some companys like Direct Line used to offer "Named driver NCD" this means your son can earn his NCD as well which he can then use to take his own policy BUT this is exclusive with Direct Line meaning he can only use on a policy with them.

Although do be careful with this as otherwise it is fraud if your not actually the main driver.

TBH I passed my test just after turning 17 and insurance was bad then but no where near like the quotes your getting I never quoted any of the said cars you mention but if I did it would have been circa £600.

TBH it is the typical bad apple scenario, there are a few idiots out there which spoil it for the rest and it's not just young drivers!

Martin

 

straight up 6k madness we are ub3 !!!

 

i used quinn for my first insurnace when i passed, was all good untill i tried to canncel!

 

lets keep this on subject please!!!

its the un insured who cause the problem but its crazy now i remember paying 1000 for my 1981 1.3 escort back when i passed 20 years ago but quotes from 3 --6k is madness

 

It was on subject, as it's the cunts that have distracted themselves that crash all the fucking time.

 

Moneysupermarket quoted me £3100 on my boy for a 1.3 2004 Ka that they valued at £1500,not that I've seen one of these collection models in mint condition for that!!!


Madly it was cheaper fully comp than tpft or tpo??

Made no difference putting the missus on and the worst thing is this was only a trial run as he's 15 so fuck knows how much it will be in 2 years time!!!

I know the press are making a big thing of this fronting but I remember when I passed my test I think I was the only person I knew insured in my own name not my parents!!!

It did pay dividends though as I was driving a fiat UNO turbo when I was 19 for about £450 a year,was 1995 though!!!

I used Eaglestar for years as they had a policy that you could insure your own car tpft and drive any other car tpo!!!whether it was insured or not,just couldn't be in your name.you could tax cars off it to,but they stopped it after about 3 years so I fucked them off then!

 

£1000 back in 1981 was around £2000 in todays money give or take ,

I paid £1850 fc for a 2 litre sierra estate when i was 17 in 2003.


the recent 30% insurance hike over the year hasn't been great either.
As people have suggested you want to try quoting strange and odd cars.
You should be expecting to pay around 2k to 2.5k.

Sod paying that though, another alternative is buying a classic car and getting insured on that,, but you gotta factor in repairs/parts limited mileage

 

just had an awsome idea...perfectly legal.

why don't you have a look at any driver policies. for my first 2 years on the road there was my mum, big bro and i all sharing my mums car. she got an any driver policy for £700 on a mk 1 1.8 focus. even covered my little bro when he was a learner too.

Downside is he wont build up any no claims but you will save a shit load of cash.

also as not being named drivers anyone who wants to use the car only needs verbal permision off the car owner/policy holder or written permission if the driver in question has points on their liscence.

i think it would be VERY hard to prove any fronting aswell but that is the only gray area.

 

And what was the excess on the policy for a 17 year old?

 

the best way to do it. My mate is driving around a 106(?) van and its 650 a year, for the same model but car version it was 4k.

 

That's interesting,I always thought it was higher to insure vans at a young age.

Ka van it is then!!!

 

seconded!

anyway heres a few stas ive found-

 

landrovers meant to be cheap to insure but who the fuck wants one of them

 

Agreed - i'm with them for this year.... only! going back to direct line the customer service was worth the £50 difference in quotes

 

Anything with 'land rover' on the front is very expensive to insure actually. And you'll find a hell of a lot of people want them!

 

Just keep looking around. I know they'll have gone up a little bit more, and possibly a bit of inflation, but when I started driving in 2004 I had a 1.2 clio (value £600) and it cost me £1250 to insure - third party, fire and theft. Not much point insuring it fully comp anyway... at least there wasn't in my case, but definitely try to avoid just putting it on your insurance. It's expensive for his own insurance now, but I'm reaping the rewards with all my no claims at the age of 23. Can easily insure all sorts of cars, like scoobies, evos, etc. Even my ST170 is quite expensive for a lot of young people, but for me it's around £500 fully comp.

 

my bro in law's just got a v8 disco and it was cheaper to insure then his 1.4 corsa. He's 26, 1 year ncd been driving 9 years.

 

that's what i thought mate tbh untill he got his, food for thought mate