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Post by stennyman on Mar 22, 2012 19:54:00 GMT
My son is 17 in a fortnight and will be taking lessons,he has saved a sum of money to buy a car.He has seen a 2003 1.1 Citroen Saxo that he can afford.But to my shock the insurance is terrible,talking £2'500 at least.I'm with Direct Line and got a quote for him,they don't even do a deposit and terms for 17 year olds.It has to be all the money upfront.Obviously he can't afford this.
I've been told by a few people about named drivers but after some research i've found it's illegal.
My question is has anybody on here got any advice,tips or nominate a insurer to use.Ideally he wants a company that will let him pay his premiums over 10-12 months.Also the smartbox,heard about this,any good?
All advice gratefully recieved.
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Post by mistersausage on Mar 22, 2012 20:02:06 GMT
It's the hatchback thing. Get him an old escort van, it'll be cheaper.
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Post by lawrieleslie on Mar 22, 2012 20:05:22 GMT
Go on compare the market or some other comparison website. My friend got a cheaper deal by putting himself on his lads insurance as a named driver. Good luck its shit out there for younsters starting out on driving journey he may just have to bite the bullet for 1st year or 2. Also consider a cheaper older car like a Peugeot 106 diesel
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Post by stennyman on Mar 22, 2012 20:09:18 GMT
Tried to tell him that hatchbacks will be more expensive to insure but i never expected £2'500.With the CO-OP it was £3'800.Spent hours researching but can't find anything.I really don't know how young lads insure cars nowadays.Feel a bit sad for him as he has had a part time job to save money for a car,studied his theory for hours on end and booked his driving lessons.I understand the reason why premiums are higher but shocked at by how much higher.
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Post by casper113 on Mar 22, 2012 20:16:17 GMT
buy some walking shoes it be must cheaper, and wait till hes 25 before getting behind the wheel. insurance for under 21s is just unreal, my son 17 this yr hope he dont want to take driving up
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Post by Bojan Mackey on Mar 22, 2012 21:48:18 GMT
When I passed it was £1762.69, when I got my renewal last year it was....
£1762.69, they didn't even drop a penny off the bastards! although at least it didn't go up.
Don't have that smartbox thing, for the love of god the lad won't be able to enjoy his car without fear of his insurance being voided for being out after 12am, what if he has to work nights somewhere or there's an emergency?
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Post by rosco on Mar 22, 2012 22:37:08 GMT
When I first passed I think it was £1700 (in 2008/9ish)
It has halved every year until this year when it will probably stay at around £400
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Post by pittshillplotter on Mar 23, 2012 0:32:54 GMT
You need to look at 1.0 litre vehicles only ...nothing else. I doubt if it would make much of a difference but some...
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Post by davel on Mar 23, 2012 0:41:11 GMT
Get a quote for an old mini.....you may be surprised......Saxo = boy racer car!!
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Post by chopandmash on Mar 23, 2012 0:45:53 GMT
avoid the saxo,cheapest car to insure is ford ka,have yourself or spouse as named driver,try bell insurance,my daughter has been with them for last 12 months .
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Post by shiny nosehair on Mar 23, 2012 0:49:34 GMT
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Post by englandstokie on Mar 23, 2012 8:10:28 GMT
As a driving instructor i come across this problem all the time! Having said that the quote for the saxo is really good. Can e upto six grand for that hot hatch. Millage can be a key,most preset to 12,000 per year. If he only does six thousand then its less risk and would reflect in the price. Also try these NFU , Adrian flux , Quinn direct Admiral and the AA can sometimes throw up a good quote. Go onto parkers website and you can search cars due to insurance groups which is a very good way to keep cost down. Good luck with the lessons. ;D
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Post by Northy on Mar 23, 2012 8:18:32 GMT
get him to do a pass plus course after passing his test, some insurance companies knock 5% off for that.
Like most people have said, insure it an adults name with him as a named driver, (you don't get pass plus knocked off for that) and build up no claims like that, I know Churchill do it.
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Post by Deleted on Mar 23, 2012 9:27:00 GMT
There are two optionally really, the named driver thing which is illegal if he is actually the main driver. I know a lot of people that have done this.
Or, lump it, this is what I had to do. My first insurance was 2200 and that was at 19.
Just a thought, maybe he could do his test, put him as second driver on your car for the no claims, then he could do his cbt and ride a 125 bike for a few years, hell of a lot cheaper.
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Post by figo85 on Mar 23, 2012 10:46:27 GMT
It doesnt help for 26 year olds. I was a late comer to driving and passed last October, got myself a little 106 only to find the insurance was more than double the value of the car.
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Post by shiny nosehair on Mar 23, 2012 11:13:17 GMT
As has been stated by quite a few peeps, add an older relative, preferably a female as a named driver, knocks quite a bit off
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Post by brownedgestokie on Mar 23, 2012 13:34:54 GMT
And we wonder why there are so many people riding round without any Insurance, Tax, MOT etc, Happy in the knowledge that if they are caught the fine will be fuck all, and to top it off they gain points on a licence they don't have. You could'nt make it up
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Post by nicethrow on Mar 23, 2012 13:55:04 GMT
Go on money moneysupermarket and put you down as a named driver on his policy which will knock the price down. IF Admiral Elephant or diamond are up there as 1 of the cheapest click on their link and you can choose a 10 month policy which works out good BUT they then stick a % on top for pay monthly. Also Third Party Cover ONLY costs more than Third Party Fire & Theft so it’s either this or fully comp with a high excess. Diesel cars are also cheaper for insurance but I have no idea why (it cost the exact same price for me to insure my 1.2 Petrel Corsa as it does for my 2.0 Diesel Vectra)
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Post by mistersausage on Mar 23, 2012 13:57:54 GMT
Citroen Saxo ..... Hot hatch ;D ;D ;D The naivety of youth  |
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Post by salopstick on Mar 23, 2012 13:58:30 GMT
And we wonder why there are so many people riding round without any Insurance, Tax, MOT etc, Happy in the knowledge that if they are caught the fine will be fuck all, and to top it off they gain points on a licence they don't have. You could'nt make it up Exactly ho wyou get around this I dont know I would love car tax to include insurance run by the govt on a default sliding scale governed by age, car and experience that way there would be a set price and the profit would go back into the system |
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Post by mistersausage on Mar 23, 2012 14:12:56 GMT
A simple solution would be to include all road taxes and very basic emergency insurance on the price of petrol. Nobody would be able to avoid paying for road tax OR basic insurance then. But that would be too simple and would cost the wealthy in their Rollers more than they currently have to pay |
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Post by stennyman on Mar 23, 2012 23:06:35 GMT
Many thanks to all for advice,much appreciated.Spent hours on the phone this evening getting quotes for him,in the end after searching the internet comparasion sites i've found him him a 3rd party,fire and theft deal for £1402.It's with a company called E insurance,he will have to pay a deposit of £316 followed by 11 months at £122.Little bit of interest added to allow him the credit on the 11 months.All in all not bad....i think unless anybody knows anything about E insurance and have bad reviews about them.They are keeping the quote open for a month,he does not need it until 3rd April.
To anyone interested Asda do a good deal also but they required all the money upfront.
Anybody used this E insurance company?
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Post by stennyman on Mar 23, 2012 23:44:41 GMT
Citroen Saxo ..... Hot hatch ;D ;D ;D The naivety of youth I tried my hardest to steer him away from a hatchback but being 17(in 2 weeks) he would not listen and think's he knows best.I suppose we've all been there.All the insurance companies said exactly the same thing,hatch's are looked upon by insurance companies as boyracer cars,rightly or wrongly.They are also more liable to be stolen. But i've seen the car he is going to buy,let's put it this way if he left the key in the ignition and a big sign above it saying take me,nobody would.It's a basic model(Spree),wheel covers and more than a few rust spots.But hopefully he will learn to drive in it and respect the road and other road users. Let's put it this way i hope he respects speed limits more tha Mr Pulis does. |
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Post by StokieMatt on Mar 24, 2012 0:49:38 GMT
mine was 2000 2 years ago, went 3rd party no break down n prayed i didnt hit anything ;D just so i could get a years no claims. down to 800 now so its quite good  |
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Post by andrewguk on Mar 24, 2012 7:12:41 GMT
avoid the saxo,cheapest car to insure is ford ka 100% correct. Take chop's advice |
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Post by Deleted on Mar 24, 2012 8:30:03 GMT
All of this named driver is ille[tr][/tr]gal needs to be clarified. If you were insuring a car owned by someone else but professing it to be your own and putting the actual owner on as a named driver then yes that it is fraud and more importantly would invalidate the insurance.
However, I am in the process of purchasing a car for my missus. I will be the legal owner and hence responsible for insuring the car. Im insuring the car in my name with my partner as a named driver but also the main driver of the vehicle. There is therefore no fraud and the insurance company are well aware of the facts of the insurance. She is 21 and passed her test 2 yrs ago but has yet to drive....quotes are around 80 per month with 170 deposit.
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Post by jayneeindarwen on Mar 24, 2012 9:14:40 GMT
Get on co op young driver insurance, it's a smart box system which monitors all Aspects of driving including speed cornering etc and has a web based desktop so you can monitor how you are doing , my lad has a fiat punto , £1230 for his first year but every 90 days they review this and as long as you drive well you are rewarded , he got £65 back after first review, but if you drive like a knob you get penalised, the best thing for me is that he is only being judged for his own driving style and not for all the fessie park boy racers.
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Post by Dutchpeter on Mar 24, 2012 15:00:16 GMT
A reliable classic car may well be a lot cheaper. Teach you how to use a tool kit too lol.
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Post by stokiefromhaslo on Mar 26, 2012 14:12:41 GMT
I'm 18 and i passed my test on 20th Feb, unfortunately I lost my job at B&Q (long story, they're c***s), therefore I cannot afford to drive.
Anyway, an insurance quote on my own is costing me well in excess of 2.5k but if I go on a parents you can get it down to about 1.7k.
The cheapest cars to get insurance on are 1.0L Corsa's and Punto's imo, but still, its a stupid amount of money.
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Post by Meggsy on Mar 27, 2012 5:30:52 GMT
Stenny sounds like a good deal to me.
When you call back up, tell them that you want breakdown and legal putting in and then tell them to knock the maximum discount on ( around 6-10 percent if they are not a broker)
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