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Car insurance - 17 year old

spobby Avatar
6y, 9m agoPosted 6 years, 9 months ago
Looking for car insurance for a 17 year old on a provisional, everywhere seems so expensive, its for a nissan micra, any advice/ places to look?

thanks
spobby Avatar
6y, 9m agoPosted 6 years, 9 months ago
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#1
If you're a boy, forget it. It could be a Sinclair C5 and you'd still be talking £2k minimum.
#2
17 on a provisional? You're just going to have to grit your teeth and pay because it'll be pricy everywhere you look!

Maybe you could insure in under your name and add his/her name as an additional driver? It'll probably be cheaper but her/she won't be saving no claims points...
[mod] 1 Like #3
Try [url]www.gocompare.co.uk[/url] as they seem to pick the cheapest in comparison to the other sites.
1 Like #4
ei8hty5ive
17 on a provisional? You're just going to have to grit your teeth and pay because it'll be pricy everywhere you look!

Maybe you could insure in under your name and add his/her name as an additional driver? It'll probably be cheaper but her/she won't be saving no claims points...


^ This.

To insure myself (22, been driving 4 years and on a micra) the lowest quote I get is just shy of £800.

Not bad compared to the £2000+ I was quoted before, but still pretty pricy for a poor student :(
#5
Yeah being male doesn't help... Would I be better off waiting till I past my test?
[mod]#6
spobby
Yeah being male doesn't help... Would I be better off waiting till I past my test?


You would be better off having someone else as main driver over 25 and preferably them having had their license longer than 3 years...
#7
youngmarmalade
1 Like #8
Quinn... Your lookin at £600 for insurance on a provision, and thats the cheapest price your gonna get, from quinn. Everywhere else will be 2K plus..

Just wait until you actually pass... Your in for a nice price to pay ;)

Mines £2600, 17 year old, first year driving haha
#9
deek72
If you're a boy, forget it. It could be a Sinclair C5 and you'd still be talking £2k minimum.


Useless, uninformed comment.

Try and get a parent as a main driver and have you as an additional driver?
#10
spobby
Yeah being male doesn't help... Would I be better off waiting till I past my test?


The insurance rates will rise after you pass your test.
#11
Snailman
Useless, uninformed comment.

Try and get a parent as a main driver and have you as an additional driver?


That is illegal, known as fronting, it could leave the OP uninsured.

Not advised.:x
[mod]#12
spikeyjacko
youngmarmalade


That is a very expensive site still...
#13
Snailman
Useless, uninformed comment.

Try and get a parent as a main driver and have you as an additional driver?


Useless, uninformed comment.?

Go and do some research sonny.

What you are suggesting now even has its own term. It's call 'fronting'.

If he did as you suggested, when he is not an additional driver but the MAIN driver, and had an accident, not only would the insurance be void, it would also be illegal. Fraud.

Read and weep. This lie could cost you thousands
#14
I might go for additional driver option, but then have to watch out for fronting?
#15
Yeah probably best to wait; my parents insured my 17yr old brother on their car on a month by month basis, and did it a couple of months before the test. That way he could get a much practice as possible with my dad. That wasn't too expenive either, I think about £40 per month, as he was only an additional driver. It could be a good plan in the run up to your test so you can get out on the road as much as possible.
Also, doing a pass plus when you pass will really help reduce your premiums. Aside from that, when I did mine I found it really useful for motorway driving so I would recommend it anyway.
[mod]#16
Inactive
That is illegal, known as fronting, it could leave the OP uninsured.

Not advised.:x


On what grounds would it be illegal!?
#17
deek72
Useless, uninformed comment.?


Better than "forget it".
#18
magicjay1986
On what grounds would it be illegal!?


It is fraudulent if the main driver is not in reality the main driver.

Known in the trade as fronting.
[mod]#19
Inactive
It is fraudulent if the main driver is not in reality the main driver.

Known in the trade as fronting.


...but you can also add whether the second driver or additional driver is casual or frequent. That would therefore make it not illegal.
#20
How often could I use the car, being an additional driver?
[mod]#21
spobby
How often could I use the car, being an additional driver?


You would need to make sure that you note on the policy as the additional driver you will use the car "frequently".
#22
magicjay1986
You would need to make sure that you note on the policy as the additional driver you will use the car "frequently".


I'm guessing that would cost more?
#23
Snailman
Better than "forget it".


Was that all I said?

Why am I even............:x
#24
Directline
not on the comparison sites so go direct.
The 17 year old will get no claims bonus as a named
driver as well. Had a 17 year old added to my policy ( also on a micra!! )
and it was an extra two hundred and something pounds......
Good luck
banned#25
magicjay1986;7768398
...but you can also add whether the second driver or additional driver is casual or frequent. That would therefore make it not illegal.

but the 17 year old would still be the 'MAIN' driver therefore still illegal

http://www.moneyhighstreet.com/finance-news/car-insurance-fronting-is-illegal/
[mod]#26
spobby
I'm guessing that would cost more?


Yes, potentially. Not as much as being main driver.
#27
magicjay1986
...but you can also add whether the second driver or additional driver is casual or frequent. That would therefore make it not illegal.


It's illegal to say he's an additional driver when he is the main driver, no matter how frequently he drives it. There is plenty of information readily available, you should read it instead of trying to re-write the law.
#28
Quinn are normally reasonable; however truthfully, it's never going to be cheap. When I was 17 - and it wasn't that long ago - a MK2 Golf 1.3 cost me £1250/yr TPFT. And that was with a full licence.

Would strongly not advise using your parent/s as the main driver. Insurance companies have wised up so much to it now. Also, if you do crash, you'll muck up your parents' claim-free history (presuming, of course, your parents are claim-free as is stands).

I would imagine you'd be looking at between £1000 - £1500. Would that be about right?
[mod]#29
csiman
but the 17 year old would still be the 'MAIN' driver therefore still illegal

http://www.moneyhighstreet.com/finance-news/car-insurance-fronting-is-illegal/


I guess the only way that the OP could get away with this is if the actual main driver also used the car.

Thank you for the link. It is useful.
#30
magicjay1986
...but you can also add whether the second driver or additional driver is casual or frequent. That would therefore make it not illegal.


Not on insurance you cannot, they are just additional drivers, and as such cannot be the main driver.

Insurers have some sophisticated methods of determining who is the main driver these days.
#31
I'm probably old compared to many here (in my 40's!) and we still get stung if a car has a hint of a spolier or a racing stripe down the side. I have a professional job etc. and perfet driving history but I'm still put off buying anything outright sporty. However I am amazed to see so many young drivers (around 18-28) in sporty cars - or people that look like they haven't been here 5 minutes - the sort that don't look very clever, no job or can't be much of a job, tea cosy woollen hats, no seatbelt, racing round. There must be either a very large percentage of uninsured drivers (either outright or would be illegal because of false information to the insurance company) or else there must be some scam (loads of people on 'trade' insurance) etc.

Fronting is illegal, also doesn't help 'jumior' build up no claims for later but there can't be many 17-18 year olds on wages that can afford proper insurance surely?
#32
magicjay1986
...but you can also add whether the second driver or additional driver is casual or frequent. That would therefore make it not illegal.


That's what I thought... :?
#33
It's only so i can get some practice in , and perhaps do a couple of journeys into town/ sixthform, will get parents on the phone to insurance company and get some quotes, thanks.
[mod]#34
Inactive
Not on insurance you cannot, they are just additional drivers, and as such cannot be the main driver.

Insurers have some sophisticated methods of determining who is the main driver these days.


So the OP could use this method though if he actually had the main driver using his car as well?
[mod]#35
ei8hty5ive
That's what I thought... :?


Have a look at the link that was posted. The OP can do this method though if the noted main driver did actually use the car.
[mod]#36
deek72
It's illegal to say he's an additional driver when he is the main driver, no matter how frequently he drives it. There is plenty of information readily available, you should read it instead of trying to re-write the law.


Yawn...again.
#37
BlackCloud
There must be either a very large percentage of uninsured drivers (either outright or would be illegal because of false information to the insurance company) or else there must be some scam (loads of people on 'trade' insurance) etc.
?


I expect you'll find that lots of modified cars are insured as standard cars - a common and rather illegal practice. On paper the car looks insured OK, but in reality it won't be.
#38
magicjay1986
Yawn...again.


No point in saying " yawn again " that was correct information, you are only trying to give very bad advice to people seeking genuine help.
banned#39
spobby;7768509
It's only so i can get some practice in , and perhaps do a couple of journeys into town/ sixthform, will get parents on the phone to insurance company and get some quotes, thanks.

it really isnt worth it then for such casual use. You may take a year to pass so will have paid £2K for a few hours driving. Better spent with an instructor.
#40
Inactive
No point in saying " yawn again " that was correct information, you are only trying to give very bad advice to people seeking genuine help.


Don'y worry about it. They're just clueless. :thumbsup:

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