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Car insurance for an 18 year old.

terrapins2 Avatar
6y, 4m agoPosted 6 years, 4 months ago
Hope there is someone who has any ideas.Our son who has just turned 18 passed his driving test in June when he was 17.We have bought him a Peugeot 106 car.Only problem is the insurance is way over £3000.00.Tried everything we know Go Compare Money saving.com ect.We even rang our broker who does not insure young drivers but said with a lot of looking on internet ect you will fill find insurance for around £1800.00.Anyone know who does cheap insurance for young driver.Thanks in advance.BTW it on a R reg plate.
terrapins2 Avatar
6y, 4m agoPosted 6 years, 4 months ago
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#1
my daughters used express insurance and add yourself or partner its normally cheaper with mum or dad added

Edited By: the sedge on Jul 23, 2010 10:06: spelling
#2
Have you tried Direct Line? I went with them when I was 18 and it was £1,600. My brother went with them when he was 17, a couple of months ago and it was £1,800 for him on a 1.2 Polo.
#3
the sedge
my daughters used express insurance and add yourself or partner its normally cheaper with mum or dad added

Edited By: the sedge on Jul 23, 2010 10:06: spelling

Seems to be more if me or his dad are added .Will give it a try as we have not tried that one.Thanks.
#4
nickw90
Have you tried Direct Line? I went with them when I was 18 and it was £1,600. My brother went with them when he was 17, a couple of months ago and it was £1,800 for him on a 1.2 Polo.

Yes tried that 1 over £3000.00.We have put the excess down as £500.00 but its still expensive.
#5
swinton was the best for my 18 year old daughter
#6
try adrian flux, they are usually good for young drivers. i know it was 8 years ago but it cost me 1100 for 1.5 diesel Rreg 106. and i think adrian flux were what i used then all other quotes in excess off 2.5k
#7
cbowley2
try adrian flux, they are usually good for young drivers. i know it was 8 years ago but it cost me 1100 for 1.5 diesel Rreg 106. and i think adrian flux were what i used then all other quotes in excess off 2.5k

They where expensive as well.That was 1 of the names the broker gave.Thanks for the reply.
#8
I'm 18 and I'm with SwiftCover, my renewal this year was £562 on a 1.25 2001 Fiesta! That's with my dad as a named driver who drives trucks for a living.
#9
dcx_badass
Wait so you bought a car without even looking into the insurance first. Fail.

No knew the insurance would be expensive but it was bought for his 18th birthday present.Well 1 of many.Just trying to save a few quid as the car is worth 4 times of what we paid.
#10
dcx_badass
h8196288
I'm 18 and I'm with SwiftCover, my renewal this year was £562 on a 1.25 2001 Fiesta! That's with my dad as a named driver who drives trucks for a living.

Invalid insurance then. Nice....


Invalid how? It's my policy, he's just on it as a named driver seeing as he does occasionally use it...
#11
h8196288
I'm 18 and I'm with SwiftCover, my renewal this year was £562 on a 1.25 2001 Fiesta! That's with my dad as a named driver who drives trucks for a living.

His dad is a fork lift truck driver and for some reason it increases the premium.But will give swift a go.Thanks.
#12
Well my sister, who got her licence and car when she was 17 got a pretty good deal with her insurance. She put my Dad as the main driver on her car and he has 6 years no claims on his own car. So she cancelled the policy on his car which was with Saga Insurance, and instead went on confused.com and checked insurance polices for his own car removing his 6 years no claims (you can't have two cars using the same no claims bonuses), insureyoumotor who are apart of Zurich insurance are pretty good, as they offered to match the no claims he has on another car (the one my sister used on her own car) after a year if there are no claims made on either of the cars. So basically, it's been a year and my dad has two seperate 5 year no claim bonuses on his own car and my sisters car. He had to pay around £200 more with Zurich then with Saga, but using his no claims on my sisters car got insurance for her with swiftcover down to £700, from around £2000. Which is a pretty good deal. It's coming up to her renewal time and swiftcover are offering her renewal for £350 this year round. my sister dealt with 2 insurance companies, one for my dad and one for her.
#13
sorry about the little essay :p but hope that makes sense
#14
dcx_badass
Wait so you bought a car without even looking into the insurance first. Fail.


Oh c;mon ,op is proud to buy a first car for child after passing test ( and so they should ) , be proud i mean , (_;) and last thing you would excpect is insurance being probably mor than what cars actually worth , imo, !

I am sorry i cant give any advice on who to try but i think its terrible the prices insurance companies charge for young drivers ! yes you could have him put as named driver on yours , but then not going to build a nc bonus !!, good luck
1 Like #15
dcx_badass
Wait so you bought a car without even looking into the insurance first. Fail.


I think the car they bought is perfect. Low insurance group, small engine. just enough back seat room for a bit of yankee doodle.
#16
Kulsum
Well my sister, who got her licence and car when she was 17 got a pretty good deal with her insurance. She put my Dad as the main driver on her car and he has 6 years no claims on his own car. So she cancelled the policy on his car which was with Saga Insurance, and instead went on confused.com and checked insurance polices for his own car removing his 6 years no claims (you can't have two cars using the same no claims bonuses), insureyoumotor who are apart of Zurich insurance are pretty good, as they offered to match the no claims he has on another car (the one my sister used on her own car) after a year if there are no claims made on either of the cars. So basically, it's been a year and my dad has two seperate 5 year no claim bonuses on his own car and my sisters car. He had to pay around £200 more with Zurich then with Saga, but using his no claims on my sisters car got insurance for her with swiftcover down to £700, from around £2000. Which is a pretty good deal. It's coming up to her renewal time and swiftcover are offering her renewal for £350 this year round. my sister dealt with 2 insurance companies, one for my dad and one for her.

His dad will to give up his old 4x4 Nissan Terrano and insure the car in his name but as soon as you mention a young driver the price goes through the roof.
#17
I think the car they bought is perfect. Low insurance group, small engine. just enough back seat room for a bit of yankee doodle.

+1
#18
Kulsum
Well my sister, who got her licence and car when she was 17 got a pretty good deal with her insurance. She put my Dad as the main driver on her car and he has 6 years no claims on his own car. So she cancelled the policy on his car which was with Saga Insurance, and instead went on confused.com and checked insurance polices for his own car removing his 6 years no claims (you can't have two cars using the same no claims bonuses), insureyoumotor who are apart of Zurich insurance are pretty good, as they offered to match the no claims he has on another car (the one my sister used on her own car) after a year if there are no claims made on either of the cars. So basically, it's been a year and my dad has two seperate 5 year no claim bonuses on his own car and my sisters car. He had to pay around £200 more with Zurich then with Saga, but using his no claims on my sisters car got insurance for her with swiftcover down to £700, from around £2000. Which is a pretty good deal. It's coming up to her renewal time and swiftcover are offering her renewal for £350 this year round. my sister dealt with 2 insurance companies, one for my dad and one for her.

Kulsum
Well my sister, who got her licence and car when she was 17 got a pretty good deal with her insurance. She put my Dad as the main driver on her car and he has 6 years no claims on his own car. So she cancelled the policy on his car which was with Saga Insurance, and instead went on confused.com and checked insurance polices for his own car removing his 6 years no claims (you can't have two cars using the same no claims bonuses), insureyoumotor who are apart of Zurich insurance are pretty good, as they offered to match the no claims he has on another car (the one my sister used on her own car) after a year if there are no claims made on either of the cars. So basically, it's been a year and my dad has two seperate 5 year no claim bonuses on his own car and my sisters car. He had to pay around £200 more with Zurich then with Saga, but using his no claims on my sisters car got insurance for her with swiftcover down to £700, from around £2000. Which is a pretty good deal. It's coming up to her renewal time and swiftcover are offering her renewal for £350 this year round. my sister dealt with 2 insurance companies, one for my dad and one for her.


That's fronting and is illegal if he insured himself on her car as the main driver - it's lying to the insurance company and giving them false information. Both your dad and your sister risk losing not only their insurances but also their licences and possibly a lot more. What happens if one of them runs someone over and the insurance company discover the truth ? The third party could sue and they could lose everything .... is it worth it to save a couple of hundred pounds ???

OP - try Quinn Insurance, they're usually pretty good for young drivers :)
#19
shopstilldrops
dcx_badass
Wait so you bought a car without even looking into the insurance first. Fail.



Oh c;mon ,op is proud to buy a first car for child after passing test ( and so they should ) , be proud i mean , (_;) and last thing you would excpect is insurance being probably mor than what cars actually worth , imo, !

I am sorry i cant give any advice on who to try but i think its terrible the prices insurance companies charge for young drivers ! yes you could have him put as named driver on yours , but then not going to build a nc bonus !!, good luck

Thanks for your support.He needs to build his NC bonus I know.His dad got a great car for little money.Its sat on the drive and we are so law a byding we will not let him go out in it.BTW he wants to be a Policeman.Bless.He has gone out to work now and wont be in until 5am Glass collecting in a night club.Son that is not Hubby.lol
#20
vraptorchick
Kulsum
Well my sister, who got her licence and car when she was 17 got a pretty good deal with her insurance. She put my Dad as the main driver on her car and he has 6 years no claims on his own car. So she cancelled the policy on his car which was with Saga Insurance, and instead went on confused.com and checked insurance polices for his own car removing his 6 years no claims (you can't have two cars using the same no claims bonuses), insureyoumotor who are apart of Zurich insurance are pretty good, as they offered to match the no claims he has on another car (the one my sister used on her own car) after a year if there are no claims made on either of the cars. So basically, it's been a year and my dad has two seperate 5 year no claim bonuses on his own car and my sisters car. He had to pay around £200 more with Zurich then with Saga, but using his no claims on my sisters car got insurance for her with swiftcover down to £700, from around £2000. Which is a pretty good deal. It's coming up to her renewal time and swiftcover are offering her renewal for £350 this year round. my sister dealt with 2 insurance companies, one for my dad and one for her.

Kulsum
Well my sister, who got her licence and car when she was 17 got a pretty good deal with her insurance. She put my Dad as the main driver on her car and he has 6 years no claims on his own car. So she cancelled the policy on his car which was with Saga Insurance, and instead went on confused.com and checked insurance polices for his own car removing his 6 years no claims (you can't have two cars using the same no claims bonuses), insureyoumotor who are apart of Zurich insurance are pretty good, as they offered to match the no claims he has on another car (the one my sister used on her own car) after a year if there are no claims made on either of the cars. So basically, it's been a year and my dad has two seperate 5 year no claim bonuses on his own car and my sisters car. He had to pay around £200 more with Zurich then with Saga, but using his no claims on my sisters car got insurance for her with swiftcover down to £700, from around £2000. Which is a pretty good deal. It's coming up to her renewal time and swiftcover are offering her renewal for £350 this year round. my sister dealt with 2 insurance companies, one for my dad and one for her.


That's fronting and is illegal if he insured himself on her car as the main driver - it's lying to the insurance company and giving them false information. Both your dad and your sister risk losing not only their insurances but also their licences and possibly a lot more. What happens if one of them runs someone over and the insurance company discover the truth ? The third party could sue and they could lose everything .... is it worth it to save a couple of hundred pounds ???

OP - try Quinn Insurance, they're usually pretty good for young drivers :)


both insurances know of this. it was suggested by zurich insurance!!

Edited By: Kulsum on Jul 23, 2010 10:48: typo
#21
Ecar was the cheapest for me £1500 for a 1.0 vauxhall corsa 02 also try adding his mother to the policy it will make it even cheaper.
#22
Have you tried a quote with a pass plus?
#23
Kulsum
vraptorchick
Kulsum
Well my sister, who got her licence and car when she was 17 got a pretty good deal with her insurance. She put my Dad as the main driver on her car and he has 6 years no claims on his own car. So she cancelled the policy on his car which was with Saga Insurance, and instead went on confused.com and checked insurance polices for his own car removing his 6 years no claims (you can't have two cars using the same no claims bonuses), insureyoumotor who are apart of Zurich insurance are pretty good, as they offered to match the no claims he has on another car (the one my sister used on her own car) after a year if there are no claims made on either of the cars. So basically, it's been a year and my dad has two seperate 5 year no claim bonuses on his own car and my sisters car. He had to pay around £200 more with Zurich then with Saga, but using his no claims on my sisters car got insurance for her with swiftcover down to £700, from around £2000. Which is a pretty good deal. It's coming up to her renewal time and swiftcover are offering her renewal for £350 this year round. my sister dealt with 2 insurance companies, one for my dad and one for her.

Kulsum
Well my sister, who got her licence and car when she was 17 got a pretty good deal with her insurance. She put my Dad as the main driver on her car and he has 6 years no claims on his own car. So she cancelled the policy on his car which was with Saga Insurance, and instead went on confused.com and checked insurance polices for his own car removing his 6 years no claims (you can't have two cars using the same no claims bonuses), insureyoumotor who are apart of Zurich insurance are pretty good, as they offered to match the no claims he has on another car (the one my sister used on her own car) after a year if there are no claims made on either of the cars. So basically, it's been a year and my dad has two seperate 5 year no claim bonuses on his own car and my sisters car. He had to pay around £200 more with Zurich then with Saga, but using his no claims on my sisters car got insurance for her with swiftcover down to £700, from around £2000. Which is a pretty good deal. It's coming up to her renewal time and swiftcover are offering her renewal for £350 this year round. my sister dealt with 2 insurance companies, one for my dad and one for her.


That's fronting and is illegal if he insured himself on her car as the main driver - it's lying to the insurance company and giving them false information. Both your dad and your sister risk losing not only their insurances but also their licences and possibly a lot more. What happens if one of them runs someone over and the insurance company discover the truth ? The third party could sue and they could lose everything .... is it worth it to save a couple of hundred pounds ???

OP - try Quinn Insurance, they're usually pretty good for young drivers :)


both insurances know of this. it was suggested by zurich insurance!!


my boyfriends brother also got advised to do this ! so if insurance companys are suggesting this then surely its allowed !
#24
Im 21 and pay £950 pounds a year on a honda civic sport with direct line. it does my heading paying so much for insurance to be fair. just wish it was like 50 quid a month
#25
@marclare - Just been helping my lad with Quinn and he won't be renewing with them. I'd call them a bunch of hopeless, incompetent idiots, but they've not improved that much.
suspended#26
Pretty much everyone puts their parent(s) down as the main driver in order to get way cheaper prices. Why pay higher?
banned#27
DarkKnight
Pretty much everyone puts their parent(s) down as the main driver in order to get way cheaper prices. Why pay higher?


Because when you crash into someone and they find that you are the main driver...i.e. at university with it they won't pay out.
#28
Not sure if this will be of any use as there are certain restrictions(mostly not being able to drive from 11pm-5am)but one of my former pupils went with these after doing the pass plus course also and said they were the cheapest for him:
http://www.i-kube.co.uk/
#29
if you had kids that are 17 and drive you would know that they are all high so no car will be that much lower, so not sure why u said its a fail...... it can even double from when you insure ur car learning to passing is that still a fail.
Just keep looking, i have all this to come in a few months lol.. good luck.
suspended#30
lumoruk
DarkKnight
Pretty much everyone puts their parent(s) down as the main driver in order to get way cheaper prices. Why pay higher?


Because when you crash into someone and they find that you are the main driver...i.e. at university with it they won't pay out.


Sure they will, they have no proof on who is the main driver, if you was at uni, it may be one day a week that you use the car or something.
#31
is your son still a student?

Try Endsleigh if he is, they have been cheaper for me when I was a student.

I was with Adrian Flux when I first passed my test, but as you said they are expensive still
#32
On a related note:
http://www.bbc.co.uk/newsbeat/10722934

General consensus was to
a) Look around you do not have to pay multiples of the car's value if you do, unfortunately alot of insurers will only take on young drivers if they can rip them off (due to their high accident rate they technically do take up more manpower)

b) Name a elder family member as secondary named driver ensuring the main driver is the young person and their car as to avoid car insurance fraud

c) Avoid large engines/high BHP otherwise expect to pay at least £1000

d) I could well be talking rubbish

Any young sensible non-chav driver should be able to get decent insurance, on a small 1.3litre or lesssupermini-class (Fiesta/Micra) with a elder family member as secondary named driver at a realistic rate.
Will it be expensive?
At first yes, but come 21years old, with 4 years no claims your insurance WILL fall and again at 25 and again at 30.

Ideally we'd have Germany's system where you can't own anything larger than 1600c in the two years after passing your driving test or better.
#33
For those thinking of driving uninsured or who are uninsured (1.4million drivers and guaranteed to be rising in a recession)
http://www.google.co.uk/search?q=ANPR

You can get caught automatically by Automatic Number Plate Recognition systems used pretty much by every police force by talivans, on mounted cameras on police cars, on motorway/a-road bridges where they radio to a car ahead if there's any flag on your car plate including no insurance, etc etc, no insurance = possible ban/points etc etc.


It is not worth it, work, save, be smart with your insurance because getting points means for 4-5years you are penalised on your car insurance whether you like it or not (not 100% sure how long points last for)
banned#34
DarkKnight
lumoruk
DarkKnight
Pretty much everyone puts their parent(s) down as the main driver in order to get way cheaper prices. Why pay higher?


Because when you crash into someone and they find that you are the main driver...i.e. at university with it they won't pay out.


Sure they will, they have no proof on who is the main driver, if you was at uni, it may be one day a week that you use the car or something.

dont be so naive!

its an insurance company and they will do everything they can not to pay out. Its very easy for them to investigate and discover who the main driver. Fronting is illegal and you not only run the risk of having to pay out yourself in the event of an accident, you'll be in court for no insurance (5 points and £200-£2000 fine).

Only an ignoramus or a fool would put their parent as the main driver on insurance knowing they would actually be doing the most driving.
#35
As csiman says, any accident, invalid insurance basically, no payout, possibly prosecution if a student is the main actual driver but names parent as main driver.

It invalidates the insurance by default meaning you are essentially driving around without insurance, also the parent might also get points/suffer on their driving license and future insurance Putting both of at risk.

I suggest those in uni student/parents at home situations look around which insurance companies will allow secondary drivers to be named at a second (home, uni being 1st) location so as to allow them to be named on the policy without breaking the law/driving with no insurance essentially.

Also give it time, insurance companies are there to make money so love any excuse not to pay out, it will not be long until a system is in place to automatically highlight illegal student drivers by insurers and if they are crafty and can get away with it, will let you do it knowing any claim will get legitimately denied.

Also aren't most universities anti car now anyways offering shuttle bus services, public transport discounts etc etc?
Given most of what you need is within reach, given you're in your era of legal drinking, given you only need to be shuffled to and from uni once every 3months, given you are in the highest risk catagory whether you like it or not, why is a car so vital while at University?
If it really is beyond your means to pay for it I suggest putting the money you were going to put towards the car/petrol/insurance into the parents car/petrol/time/effort in having to taxi you about every 3months instead. Just a suggestion...

I'd love to see the consequence of a random police check outside every University in the UK then students might learn.
banned#36
Ive been with churchill for the past 4 years, im 24 now and they have always been cheaper. check them out,
#37
still looking? male and under 21 isn't going to be cheap no matter what you do, but atleast they passed their test fairly early, so every year they can say they have held the license another year, which will help even if they havn't been insured or driving that year. Theres loads for you to read here so I dno if you'll notice this, but if you have any daughters around 17/20, putting them on the quote (as a named driver) brings it down alot. Obviously they have to have a license, but it works with provisonal licences too, so any youngish female, put them on it, even if they don't have a license work it out with them on it with a provisional and ifits worth it, just buy them the provisional license for 50 quid, and it'll bring the quote down more than that. I saved about £700 putting a female on my quote. Also, 4000 miles is the lowest boundary, no higher or lower, so if he happens to be doing 4k a year then that would help

Edited By: Adjy on Jul 24, 2010 01:24: more info
#38
if your son is living at home with you put one of yourselves as the main driver.
obviously not a good idea if he doesnt live with you or goes to uni because then insurance will be invalid.
as long as u drive it a few times per month maybe to the shops or something then its perfectly fine.
... and a hell of a lot cheaper.
with some policies urt son can also earn a no claims bonus as well!
#39
brings me back when i was 18, just passed my test,i was gong to buy an mg metro turbo for £1800, they wanted £4500 to insure it!!
#40
When i first passed when i was 17 my car insurance was just over £2000. I did not want to be a named driver as i wanted to build up my no claims. Now at 21 with 4 years no claims it is £400.
All my friends had to pay a large amount too, but it goes down quickly providing you dont make a claim.

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