Car Insurance. 17 Years Old Lad. Help Please :) - HotUKDeals
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Car Insurance. 17 Years Old Lad. Help Please :)

corshy Avatar
7y, 2m agoPosted 7 years, 2 months ago
Hi there,
I've got my driving test on the 11th November and I was looking into car insurance. The cheapest quote I can find is for £1800 on quinn direct.com (3rd party fire and theft). I've got a 1998 Ford Fiesta 1299cc 3 door. Are there any website's people could recommend apart from the usual price comparison ones that could do a cheaper quote than I got?
Thanks,
Corshy
corshy Avatar
7y, 2m agoPosted 7 years, 2 months ago
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#1
Hi i've heard tesco can sometimes be good for young drivers, but when my husband was 17 prudential were by far the cheapest for us....Good luck with the driving test too :)
#2
ajd1986
Hi i've heard tesco can sometimes be good for young drivers, but when my husband was 17 prudential were by far the cheapest for us....Good luck with the driving test too :)


Thanks :D. I got one quote that was £7316 (3rd Party) it's just a joke, but I guess that the statistics are there to back it up, but not to that extent. I tried getting a quote from tesco, but they wouldan't insure me unless I ring up, will try if I pass my test.
#3
You adding a parent as a named driver??
That will bring it down a lot.
#4
Get an established, older, longtime driver (like a parent) on the quote and pust yourself on as a named driver. Cheaper that way and sumone els can drive it too! :thumbsup:
#5
deathtrap3000
You adding a parent as a named driver??
That will bring it down a lot.


+1
the post office is very cheap for young drivers too...although they may only do fully comp insurance...certainly the cheapest for lots of people i know and it beat my quinn direct quote (the 2nd cheapest) by a whopping £250!:thumbsup:
needless to say i went with the post office:whistling:
#6
start phoning around as many places as you can; with each new place tell them the last quote you got - but knock a hundred quid off, e.g. you phone churchill and they offer you insurance for £1000, then phone Direct line but tell them Churchill offered you insurance for £900 and so on, see if they'll price match - and let thet be the end of the shennanigans (no fibbing on the actual paperwork).
#7
get one of your parents on the policy with you as a named driver, thats what ive got much much cheaper :thumbsup:
#8
amzmalhotra
Get an established, older, longtime driver (like a parent) on the quote and pust yourself on as a named driver. Cheaper that way and sumone els can drive it too! :thumbsup:


He's never gonna build his own NCB up that way. Also, if the ins. company find out that the named driver is in fact the main driver then the policy will be voided.

micoo
get one of your parents on the policy [COLOR="Red"]with you as the main and them as a named driver[/COLOR], thats what ive got much much cheaper :thumbsup:

This way is better.
#9
deek72
He's never gonna build his own NCB up that way. Also, if the ins. company find out that the named driver is in fact the main driver then the will be voided.


Direct line m8, me n my sis are on my parents DL policy and we are building up NCB :thumbsup:
#10
redjay1
start phoning around as many places as you can; with each new place tell them the last quote you got - but knock a hundred quid off, e.g. you phone churchill and they offer you insurance for £1000, then phone Direct line but tell them Churchill offered you insurance for £900 and so on, see if they'll price match - and let thet be the end of the shennanigans (no fibbing on the actual paperwork).



We always use this trick and it works every time!:-D
#11
i feel sorry for the youngsters trying to get a reasonably priced insurance, not all of them drive round like lewis hamilton !

trouble with being on your parents policy is you dont build up any no claims which then helps with a cheaper renewal for next time.
#12
micoo
Direct line m8, me n my sis are on my parents DL policy and we are building up NCB :thumbsup:


interesting i didnt know that you could build up NCB on that type of insurance
#13
micoo
Direct line m8, me n my sis are on my parents DL policy and we are building up NCB :thumbsup:


I think you mean you and sis are named drivers on your parents car? And you don't have your own car?

My son is 24 and I tried to go that route with DL but they would'nt have it as he was going to be the main driver. A named driver is supposed to be an occasional driver. If it's OPs own car and he's gonna be the main driver they won't allow him do that.
#14
coop insurance used to good for young drivers and u got 25% introductory bonus
#15
de ja vu

when i was a first time driver also in november 3 years ago, i was in a 97 1.3 ford fiesta and took out third party fire and theft with quinns. mine was 1600

few tips for you:
Direct line gave me an almost equal quote and offered a much better loyalty bonus the next year round

The next isnt really a tip, its a your-foolish-not-too:
find a female, older sister, mother, cousin. Add them as a named driver. it only means they have the option to drive the car, they never have too. its totally legit. It will bring your quote down substantially.

Let me know how you get on, and im just about to start my third year with admiral who are worth a try

good luck Corshy, had pleasant dealings with you before on here
#16
micoo
get one of your parents on the policy with you as a named driver, thats what ive got much much cheaper :thumbsup:


Do not go down this root. It is insurance fraud, called fencing. You are going out of your way to lie to the insurance company to get yourself a lower premium. If you are involved in a crash and the insure company cotton on to it then they will refuse to pay out and you will get done for having no insurance. Just pay the extra and start getting your own no claims bonus.
#17
amzmalhotra
Get an established, older, longtime driver (like a parent) on the quote and pust yourself on as a named driver. Cheaper that way and sumone els can drive it too! :thumbsup:


Illegal - do not do this 'Fronting' ( google it) as it will invalidate your insurance if you are found out.

You need to shell out now to get your own no-claims.
#18
Tatey
Do not go down this root. It is insurance fraud, called fencing. You are going out of your way to lie to the insurance company to get yourself a lower premium. If you are involved in a crash and the insure company cotton on to it then they will refuse to pay out and you will get done for having no insurance. Just pay the extra and start getting your own no claims bonus.


+1
#19
You may be able to find a classic car insurer that will class it as a classic, some of them start at anything over 10 years old. My first car (van) was a 1972 VW camper and I managed to get fully comp for £450 when I was 19, this was about £500 cheeper than any of my mates could find at the time. You will need to state limited mileage to get it cheeper but you can extend this if you need to.
#20
Is that just on your own policy with quinn? I rang them up and got a quote for £6000!! thats for my 98 1.25L fiesta! i was shocked haha... Cheapest for me so far is £2400 from direct line..
#21
Im sure insurance companies just make up their prices from day to day. I always do my brothers insurance for him - like 19

First year was with Quinn quite good price - renewal was something stupid the next year.

Last year my brother went with mymotorquote.com and got a good price with a claim . Could try them.

Best thing is to do is just ring and ring. Never fill in your real phone number on compairsons sites though as you get bombarded with calls.
#22
amyjbeckett

Best thing is to do is just ring and ring. Never fill in your real phone number on compairsons sites though as you get bombarded with calls.


Also get a new email address just for the quotes.
#23
A pass plus might pay for itself in savings in the premium, try a quote with a full license and a pass plus.
#24
amyjbeckett
Best thing is to do is just ring and ring. Never fill in your real phone number on compairsons sites though as you get bombarded with calls.


:thumbsup: i made that mistake & within 10 mins of checking prices i was recieving phone calls :x why do they feel the need to ring, they should have a "please dont contact me box" if i want to clarify anything i'd ring them !
#25
micoo
Direct line m8, me n my sis are on my parents DL policy and we are building up NCB :thumbsup:


My boyfriend found those to be the cheapest by far.

They are not on price comparison sites either so try those for a quote.

:thumbsup:
#26
Tatey
Do not go down this root. It is insurance fraud, called fencing. You are going out of your way to lie to the insurance company to get yourself a lower premium. If you are involved in a crash and the insure company cotton on to it then they will refuse to pay out and you will get done for having no insurance. Just pay the extra and start getting your own no claims bonus.


I agree.

It may be a lot cheaper initially.

But, eventually it will work out cheaper if you built up no claims on your own.
#27
richp
:thumbsup: i made that mistake & within 10 mins of checking prices i was recieving phone calls :x why do they feel the need to ring, they should have a "please dont contact me box" if i want to clarify anything i'd ring them !


Before ive had like an insurance broker transfer to me a company - thne i put the phone down - but they still had me on their line - so i couldnt use the phone.
#28
I went with Direct Line when I first started driving - but I was 18. It cost £1,500 or there abouts for insurance on my 1.2 Fiat Punto. It went down to just about £800 in my second year! The biggest tip I can give you is don't settle for their renewal price - they offered me £2 off per month on my first year, so I told them I was leaving. They cut my monthly payments by £20 or so - which when coupled with my pass plus course brought payments down significantly. Now I'm back up to £120 a month though cuz I upgraded to a beemer.

Also, if you're 17, you probably won't be able to pay by direct debit. My brother just passed his test and he's 17, all insurance companies wanted the money up front. It just cost him about £1,800 to insure a 1.2 VW Polo.

Edit - One other thing I forgot to mention. Try getting a few quotes for one of your parents as a named driver on your policy. With some companies, like Admiral and Quinn, this can knock a few hundred quid off! This way it's still your policy, just they're named drivers on it.

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