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Help on a 17 year old male car insurance

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my son (17) past his test on October this year, but insurance is a HECTIC twice the price of the car especially in OL area, got a 1.4 car and still expensive as a second driver anyone know a insurance… Read More
delboy007 Avatar
2y, 5m agoPosted 2 years, 5 months ago
my son (17) past his test on October this year, but insurance is a HECTIC twice the price of the car especially in OL area, got a 1.4 car and still expensive as a second driver anyone know a insurance company who will do slightly cheap, by the way he's turning 18 in January
delboy007 Avatar
2y, 5m agoPosted 2 years, 5 months ago
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#1
Here's a little information on black box insurance, which explains what it is etc. it's designed for new drivers so may help lower the insurance for you son click me
#2
Dont put him on the insurance as a second driver if he is in fact the main driver, or your insurance could be invalid. Its a pain we all have to go through.
#3
don't put him as a second driver but try adding you as a named driver on his policy. adding my mum to mine brought mine down a lot.
#4
Its a cross to bear ,first years insurance . To be honest young drivers are nowhere near as good as they think they are . The black box is an option , Get the first years NCB , be a year older and it gets reasonable - sadly a fact of life these days . Putting him (fraudulently ) on your insurance will lead to claims being rejected and he has to start getting a NCB sometime .
#5
yup, my first year was 1117 for tpft (13 years ago now) for a 1.1 1988 ford fiesta. 2nd year was 620.

you just have to suck it up.
#6
delboy007

my son (17) past his test on October this year, but insurance is a HECTIC twice the price of the car especially in OL area, got a 1.4 car and still expensive as a second driver anyone know a insurance company who will do slightly cheap, by the way he's turning 18 in January

Have you tried all the different comparison websites? Also, at the end when you do find the insurance which suits you go through Quidco for cash back

You have my deepest sympathies. Its that time of the year for us too where we renew insurance and its a headache. We have been driving for 4 years and our insurance still comes to £990 this year :(
#7
get two older and experienced drivers with big no claims discount as named drivers, that brought my 18 year old granddaughters insurance down from £1600 to about £600. ( the two named drivers were her mum and her grandmother)
I will try to get the insurance company that they used tomorrow and let you know. best of luck ...jean-pierre
#8
I paid £1336 for my first year at 17 on a 2002 corsa 1.2. That's with me as main driver and my mum as named driver. 1 year later I renewed at £620 so after the first year things do get better! I've now got a Bmw 318ci 2.0 at 19 and I'm paying £1100 :p
#9
All on multi car policy with Aviva.
My son 19 v.w. polo 12.oo c.c. who traveled 20,000
Miles last year till sat 6 Dec £1670.oo
. My daughter, 6000 miles estimated. 17 corsa 998 c.c. £2660.00
Wife astra 1.6 elite £270.
Me golf 1.9 tdi £300.
Just paid today, came to £4700 ish! Maths maybe a bit out. Joy! Kids pay me back monthly to avoid a.p.r. now scent but saving :(
#10
Skint!
#11
Insurance companies, Masked men. (Lowlifes) comes to mind. Try all options as above. Very Painful and time consuming and try brookers as well good luck. Expensive living in a city also.
#12
meltedchocolatelover
don't put him as a second driver but try adding you as a named driver on his policy. adding my mum to mine brought mine down a lot.

Thanks very useful for my daughter :)
#13
All 4 of my girls went through this.
But putting me down on insurance did save some money.
As others have said though I was a named driver and they were the main driver.
My youngest daughter(21yrs) was paying in the region of £1700 but after 1 years no claims this has come down to £700.
This was driving a 1.2 Clio.
Black boxes can bring insurance down but not straight away as it needs time to monitor the person driving and it can also have a negative effect.
#14
It may be an idea to try an buy a new car with free insurance included. There will be age restrictions but if you can find one this will definitely help and you will have 1 years NCB which will dramatically lower the insurance costs in the second year. Also, Pass Plus will definitely help. Good Luck.
#15
Things that helped me were adding my mum as the second driver, had a black box (with bell who are part of admiral) the last two years also and despite driving badly according to their readings its still being the cheapest. My insurance has just renewed and I've went with Endsleigh for students and it was 340, 4 years ago when I was 19 I paid 1400 for the year on a 1.2 micra. Same car now so it does get better!
#16
My son passed his test 2 months before his 18th birthday. Waiting 2 months saved him about £400 after we put myself and my wife on the policy when he was 18. Always having parents on who have clean driving licence and no accidents will save £50+.

For both of my kids with their first year we found Churchill the cheapest for my son and Diamond I think it was for my daughter. The Diamond policy was only for 10 months but after 10 months you get 1 years no claims providing no claims are made.
#17
i would wait until he reaches 18 as that hurdle may help to reduce the price.

try the comparison websites for comparative quotes. get him on as a 2nd named driver to your policy will help.
#18
Ingenie :)
#19
Nad_84
yup, my first year was 1117 for tpft (13 years ago now) for a 1.1 1988 ford fiesta. 2nd year was 620.

you just have to suck it up.

Fully comp is often far cheaper that 3rd party.. having to pay an excess with fully comp makes a massive difference.

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