CHEAP YOUNG DRIVER INSURANCE @ I-KUBE! From £4,500 to £1,800! - HotUKDeals
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Lower your premium from a REDICULOUS £4,500 and get insured for around £1,800. Earning your No Claims Bonus while you are driving.

The only downside is that you cannot drive between 11pm-5am. But for the sake of these unsociable hours, I feel a saving of almost £3,000 is reasonable! Great for people just passed there test like myself!
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Lordy123 Avatar
6y, 2m agoFound 6 years, 2 months ago
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[helper]#1
I really do feel sorry for all you 17/18 year olds that have just passed and are getting ripped off by these insurance companies - then again I am 23 and I am still getting ripped off! :(
#2
I know mate, it really is a JOKE! But this seems like a way out. Your earning your No Claims Bonus too.
The only time im out after 11pm is drinking. So its a good thing im not allowed to drive them hours!

And as for people not giving this heat, they are ignorant in the situation we 17/18 year olds are in.
#3
17 year old we know just got quoted £9,000 for a £500 car !!!!
#4
trying to insure our lad on our insurance whilst he is learning to drive, we had a quote of £4000, wut !!!!!!

thanks OP, I'll have a look.

Edited By: richp on Sep 05, 2010 23:26: .
#5
and they dont understand why so many dont bother with insurance
#6
Have a look at youngmarmalade too.
#7
caslad
and they dont understand why so many dont bother with insurance


it is about time more insurance companies had a look at the way they quote/insure young drivers, I really cant see how they can justify some of the prices they quote !
#8
thegroutch
what I don't get is why a car is such a necessity when you're 17?


why not, you could say the same for any age then, I had a car when i was 17 & that was a fair few years ago.
#9
Has car insurance really rocketed so dramatically in the past 6 years? I'm generally curious, as when I was 17, I got fully comprehensive insurance on a 1999 Fiat Seicento, for £900 (the car was worth around £1800 back then). I'm now 23.
banned#10
thegroutch
what I don't get is why a car is such a necessity when you're 17?


to save getting a bus? Why is a car essential for any age?
#11
You want to drive a car before learning how to spell ridiculous? I'd up the premiums to be honest.
#12
Think this post could be misleading.........where is the quoted saving from ?

Area?

Car?
#13
richp
caslad
and they dont understand why so many dont bother with insurance


it is about time more insurance companies had a look at the way they quote/insure young drivers,
I really cant see how they can justify some of the prices they quote !


Its the young drivers from years ago which has got us into the mess of rediculous quotes for the 17-24 year olds now. For years, they were included on their parents 2nd car but not declaring that they were in fact th main user. Its called FRONTING.

I agree its stupid but we are all paying towards people who dont insure at all (at least £40 per policy), insurance premium tax (currently 5% but increasing in January to 6%).

Its not just young drivers who pay a lot. My wife and I are both over 40 and our last policy went from £550 to £1200. We had had no claims, had maximum bonus. The reason - the ABI had changed the vehicle grouping system from 1 - 20 to 1 - 50.
#14
i-kube doesnt exactly help, i am 21 and i passed my driving 2 years ago, the best quote i got from other companies was £2400 and i-kube quoted me £2900, it doesnt help dont get your hopes up, no wonder its cold ere.
1 Like #15
Quiet now. The real reason is not the above, its down to the mentality of the 17/18 year old in this day and age. Why is insurance so high, becuase most are of child like mentality and behind a wheel is a danger to everyone. I know just nearly ended up arrested because of a kid that shouldnt be allowed on road witha push bike never mind a motor vehicle.

Any person that cuts me up when driving round a roundabout at stupid excessive speed and overtakes along a single lane 30 road with oncoming traffic heading towards them deserves what they got when I eventually caught him up. With my kids in the car he got away lightly but seriusly had something to think about when he got back in his car.

So charge insurance based on risk, which is what they do. If insurance for young kids was only £500 a year, the average life expectancy when out of your front door would be 10 minutes. Would bring too many immature youngsters who can barely wash and dress themselves an extreme hazard on the roads.

Not against young drivers but the idiots amongst them blind side those of the age group who maybe mature and sensible. Those are the ones you need to alienate not our generation from years previous.

Stats show and so does the news that more 17-21 year olds drive now with no insurance than 10 years ago.

What comes around goes around, over last 12 months huge hikes in increased premiums for all but the lower inexperienced out there will be hit the worst, thats life.

My house insurance was over £1500 a year but can I compain no, my circumstances and policy details dictate my premium size so have to live with it.
#16
Take the Swedish approach, lax laws on driving ages, but immediate and almost overly-harsh punishments for indiscretions
#17
james02
17 year old we know just got quoted £9,000 for a £500 car !!!!


They don't care that the car only costs £500 as the insurance company is thinking about the £200,000 Bentley that the 17 year old could crash into which they are statistically more likely than a 40 year old with 20 years of incident free driving under their belt.
#18
thegroutch
what I don't get is why a car is such a necessity when you're 17?


In my case its simple. I'm 19, I'm a KFC addict, my nearest KFC is 6 mile away :p
#19
caslad
and they dont understand why so many dont bother with insurance

Simple, cant afford insurance, then cant drive, so dont drive or breaking the law. But drive anyway, crash, kill a family of 4 get slapped wrist and hey carry on as normal. British Justice for you.

If young drivers look elsewhere they are plenty of deals on Group 1-3 cars out there with special insurance deals, problem is these kids dont wanna drive them cars, would rather put a death trap shed on the road and put a skirt on it, drill hole in exhaust and make it sound like a clapped out 1970's transit van

Our Quote for new car is extortionate compared to quotes from older drivers, believe may need to shop around.

Car - Audi A5 2.0T FSI Quattro S-LINE S Tronic 2010 Plate for 2 of us aged 30 & 31 for £729 fully comp with car at time worth £35000.

Our other car 54 Reg Renault Clio 1.5DCI was £480 up until i changed insurance company 2 months ago, with 6 months left. Now only pay £210 a year

scousemanblue you really ought to give you insurance company a ring unless you are driving Group 20 porsche or ferrari.



Edited By: stefone on Sep 06, 2010 00:33: !
[helper]#20
stefone
I know just nearly ended up arrested because of a kid that shouldnt be allowed on road witha push bike never mind a motor vehicle. Any person that cuts me up when driving round a roundabout at stupid excessive speed and overtakes along a single lane 30 road with oncoming traffic heading towards them deserves what they got when I eventually caught him up. With my kids in the car he got away lightly but seriusly had something to think about when he got back in his car.
You did that with your kids in the car and you have the nerve to talk about young drivers like that? You sound worse than them tbh - hope I am nowhere near you any time soon! You want to take the law into your own hands and "teach them a lesson"....what a joker.

Oh and hate to break it to you but no one cares how much your house or car is worth....

Edited By: JPS on Sep 06, 2010 00:37: blllaahhh
#21
remember those days.....when i had a golf gti at 90's and the real hot hatch days, then with all the thefts and street racing insurers clamped down and insurance went through the roof....26 with a 4 year old midly modded golf gti in approx 1990 and my insurance went up from £800 to £2600 as had a no fault minor knock so temp lost no claims and premium went.....even when ncd reinstated and hunting around cheapest quote was £1200
#22
Get a car about 20 years old (or older) and a classic insurance policy with limited miles. Thats what I did and got fully comp on a VW 1600cc campervan for £500.

I do resent how I have a spotless record since I was 17 and still had to pay more for insucance when I was as carefull a driver then as I am now. They should offer some sort of rebate scheme where you get some money back if you dont claim at the end of the year. Dont get me started on the sexist elements within insurance, thats even more of a joke.
[helper]#23
scousemanblue
My wife and I are both over 40 and our last policy went from £550 to £1200. We had had no claims, had maximum bonus. The reason - the ABI had changed the vehicle grouping system from 1 - 20 to 1 - 50.
That's just stupid. Did you even look at changing policy providers? If you willingly paid double the amount with no claims and max NCB, something is wrong! Yes insurance has crept up recently but not by that much!

Edited By: JPS on Sep 06, 2010 00:36: blah
#24
stefone
Quiet now. The real reason is not the above, its down to the mentality of the 17/18 year old in this day and age. Why is insurance so high, becuase most are of child like mentality and behind a wheel is a danger to everyone. I know just nearly ended up arrested because of a kid that shouldnt be allowed on road witha push bike never mind a motor vehicle. Any person that cuts me up when driving round a roundabout at stupid excessive speed and overtakes along a single lane 30 road with oncoming traffic heading towards them deserves what they got when I eventually caught him up. With my kids in the car he got away lightly but seriusly had something to think about when he got back in his car.So charge insurance based on risk, which is what they do. If insurance for young kids was only £500 a year, the average life expectancy when out of your front door would be 10 minutes. Would bring too many immature youngsters who can barely wash and dress themselves an extreme hazard on the roads.Not against young drivers but the idiots amongst them blind side those of the age group who maybe mature and sensible. Those are the ones you need to alienate not our generation from years previous.Stats show and so does the news that more 17-21 year olds drive now with no insurance than 10 years ago.What comes around goes around, over last 12 months huge hikes in increased premiums for all but the lower inexperienced out there will be hit the worst, thats life.My house insurance was over £1500 a year but can I compain no, my circumstances and policy details dictate my premium size so have to live with it.

rule one, never get out of a car to confront someone......you have crossed the line and you or they could end up worse for it, no one wins

some guy did that to me when THEY cut me up and i hooted them.....he was an idiot....woman and kid in car, maybe his dunno...but whilst he was having a go at me, she drove off....lol!!!

all caught on cctv, made sure of that and loads of witnesses including security guards....i got out of the car and he squared up to me.....i got my phone and called the police.....he ran after the woman in car, but we got his number plate....anyway he got a police caution...moron...police were happy to pursue further but im not into destroying people.....i think for most people a visit from the police is enough and im sure the woman will remind him assuming it was his wife/other half!!

i wasnt scared of him, he was bigger, im 14.5st...he was maybe 20st.....but lucky for him....im ok at martial arts - judo/karate/kungfu/judo (green belt @11 years old)...i would have flattened him if i could be bothered....as he looked too fat and slow lol, but it would have proved nothing and im just as bad as him, plus he had a kid in the car but it wasnt worth it over a traffic incident


Edited By: royals on Sep 06, 2010 00:51: f
1 Like #25
stefone

If young drivers look elsewhere they are plenty of deals on Group 1-3 cars out there with special insurance deals, problem is these kids dont wanna drive them cars, would rather put a death trap shed on the road and put a skirt on it, drill hole in exhaust and make it sound like a clapped out 1970's transit van


this is very true, maybe they should be limited to a certain cc or perhaps a manufacture should produce a certain vehicle that new drivers have to drive for a year to get experience, nothing spectacular, 4 wheels, 2 doors & a steering wheel, you cant pass your cbt test on a moped & instantly go out & buy a top of the range motorbike, unlike a car, as soon as you pass your test you can drive what you like !
#26
forgot to mention - not many people realise that get out and confronting someone in a threatening manner is assault...a criminal offence
#27
thegroutch
what I don't get is why a car is such a necessity when you're 17?

people are more mobile these days so we are more reliant on cars.....hopefully with technology this will reverse a bit....already has a little with people able to work from home
#28
caslad
and they dont understand why so many dont bother with insurance

especially with the pathetic fines.....they should fine uninsured drivers for the cheapest years insurance PLUS the fine...if they cant afford the fine, tough!!
#29
Guess im lucky, mine was £500 at 17 in a convertible 1.6 ltr car.
Its now £130 (im 21) in a 2 liter turbo convertible.
1 Like #30
i'm 21 and pay a hell of a lot for my insurance. I hate how insurance works in this country... The insurance firms just make millions off young drivers and there's nothing we can do about it. In other countries such as america and the middle east, you insure the car and not the person, so anyone can drive the car no matter how old they are. Having said that, there is nothing that can be done, so you just have to bite the bullet and pay up or use public transport.

And a note to any moaning oldies...not all young drivers are idiots who want to race in chavvy cars with loud exhausts! :p
#31
Fowlet
Take the Swedish approach, lax laws on driving ages, but immediate and almost overly-harsh punishments for indiscretions

my bro in law lives in zurich, so just dont get caught speeding in switzerland....world record fines there.....latest recently was about £700K
#32
ut745

And a note to any moaning oldies...not all young drivers are idiots who want to race in chavvy cars with loud exhausts! :p


Indeed, but sadly it is you that has to pay for the damage that they do.
#33
JPS
stefone
I know just nearly ended up arrested because of a kid that shouldnt be allowed on road witha push bike never mind a motor vehicle. Any person that cuts me up when driving round a roundabout at stupid excessive speed and overtakes along a single lane 30 road with oncoming traffic heading towards them deserves what they got when I eventually caught him up. With my kids in the car he got away lightly but seriusly had something to think about when he got back in his car.
You did that with your kids in the car and you have the nerve to talk about young drivers like that? You sound worse than them tbh - hope I am nowhere near you any time soon! You want to take the law into your own hands and "teach them a lesson"....what a joker.Oh and hate to break it to you but no one cares how much your house or car is worth....

Shame he had to stop at the junction 300 yards away as lights were red. And for one I wouldnt speed off after him he had no option but to stop, RED LIGHT, after all I had my kids in the back. And fair does teaches eldest one somethin to think about, how do you think he sees it when kids are tearing round roads like maniacs, doesnt set a good example does it. Then again some parents dont give a flying rats ass about their kids. Hence todays society. Made him see sense, well at least for 100 yards or so from pulling away from lights. Probably put his foot down again after he couldnt see me. Didnt stop him feeling like **** after though, but then again I'm the criminal thought aren't I, yet if he had caused a crash and serious injuries, no that would be £75 fine and 2 hours community service, would that have been okay.

And my point about insurance and house is to show you have to pay what is required upon circumstances and details. My insurance is sky high due to flood risk not size and car insurance cheap because of occupation and age.

17 year old are too young to drive, simple fact. And I agree with posts above, they do need to cap the engine capacity that are able to drive. Lets see how many want to drive when they can only have 1L or 1.1L for first year.
#34
At this moment is doesnt matter what ca you drive in reality, it is the potential damage cost if they were in an accident. The policys are generated against the individual and they are so high because of the stats surrounding young drivers 17-25 year old. Until this changes insurance will always be high. You may see it as insurance companies ripping young drivers off but running an insurance company with high risk drives on it isnt could for business, not if all have accidents. They have to ensure they are covered for every eventuality and it will always be the young, no experienced drivers that pay the price.

I worked for 12 monthssetting up and installing ANPR system in Police Force and spent many a day out on operations and some of what I saw was shocking and really opened your eyes to what happens out on the road. The things I have seen have also been horrific and distressing and sights I wouldnt wanna wish on anyone viewing first hand.

Pass Plus should also be made a compulsory exam as still cant believe you can go on motorway without taking it and getting any experience, same with night time driving and hazardous condition, i.e the 17 year old favourite - Snow

Edited By: stefone on Sep 06, 2010 01:40: !
#35
If you are just learning to drive and getting your first car, you don't start by going for what car you want, then checking the insurance, you start with what insurance you can afford, and pick a car based on that.

If you are 17 then you won't be able to afford anything much above category 1-3 cars. Yes they will be slow, small engined, old model cars of little value, but if you want to drive, then that's what your choice is.

It is cheaper to get yourself added to a parents policy, or have the car insured in their name with you as named drive. Nevermind no claims bonus - having it in your parents name will save you so much more than any NCB is worth, and the cost of your premiums will come down rapidly if you can get a few years driving under your belt without accidents and a clean licence.
#36
Getting insured as a named driver on your parents policy (when you are infact driving the car more than they are) is known as FRONTING, if you get caught your policy is void, therefore uninsured. Its better off to just get a smaller engine car and be the main driver. I totally agree that the engine size should be capped, just like motorbikes. You can only ride a 50cc bike in your first year or something like that.

Then again, the penalties for the first 2 years of driving are reasonably tough... if you get six points, thats it you are banned for a year and have to take an extended test.
#37
1.4million uninsured drivers, most
Avenger1324
If you are just learning to drive and getting your first car, you don't start by going for what car you want, then checking the insurance, you start with what insurance you can afford, and pick a car based on that.

If you are 17 then you won't be able to afford anything much above category 1-3 cars. Yes they will be slow, small engined, old model cars of little value, but if you want to drive, then that's what your choice is.

It is cheaper to get yourself added to a parents policy, or have the car insured in their name with you as named drive. Nevermind no claims bonus - having it in your parents name will save you so much more than any NCB is worth, and the cost of your premiums will come down rapidly if you can get a few years driving under your belt without accidents and a clean licence.


Sound advice,
To those having to spend thousands on insurance, get a smaller lower powered car and lose that insecurity, a car is to get you from a to b, nothing else.

Also 1.4million drivers and rising, majority are young and male, when ANPR gets attached to more and more cameras, that million plus will get a harsh reality check.

Alot of young men with cars need to do alot of growing up much faster.
#38
Insurance Group 1 cars that under25 males should be driving to a) save money b) more likely build up No Claims Bonus On c) Should be cheaper to repair for some models:
http://www.carpages.co.uk/car-insurance/car-insurance-group-1-1.asp
#39
the insurance system is really odd, right now im 21 and drive a group insurance 6 fiat punto. I pay £1200 a year for insurance. I just did a quote on a toyota aygo 1 litre which is group insurance 1 and i got quoted £1000. I would have thought it would be much cheaper than £1000.
#40
CHEEPSTUFFRULES!
...They should offer some sort of rebate scheme where you get some money back if you dont claim at the end of the year.......


What - a sort of "no claims bonus" type of thing? Nah - it would never catch on...............

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