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Car insurance help please

skylinedude Avatar
5y, 6m agoPosted 5 years, 6 months ago
My son is 21 and has had a licence for 1 year now...He had an accident in Nov. which is still pending but according to the Ins. Comapny the total payout is £340. It has now come to renewal time and the Insurance Company want £2,500 to renew.

He has tried nearly all the Comparison websites and at least a dozen others, some won't quote and others are all around the same price.

Can anyone advise on a Insurance Company or even a way of getting the cost down?

Cheers in advance
skylinedude Avatar
5y, 6m agoPosted 5 years, 6 months ago
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#1
Wait untill he's 25 years old.

Insurance this year has gone through the roof.

You will always be paying through the roof for a 21 year old who has had an accident.

what car is it ?

Edited By: RickT on May 12, 2011 14:44
#2
I found as a youngster or with a modified car, Adrian Flux were a good deal cheaper than most. They may not be for your son, but worth a try.
#3
He only has a 2001 Corsa 1.2 SXi....pretty basic really and they want nearly 3 times what the car is worth.
#4
What was his premium before the claim?
1 Like #5
tbh you should not have made a claim £340, you will be paying so much more than that over the next 5 years now that claim has been made.
See if you can add yourself to the poilcy to bring the premium down.
You could also just take out 3rd party, fire and theft and see what difference that makes.
banned#6
skylinedude
He only has a 2001 Corsa 1.2 SXi....pretty basic really and they want nearly 3 times what the car is worth.

thats your problem!

put yourself on as a NAMED driver
banned#7
sickly sweet
tbh you should not have made a claim £340, you will be paying so much more than that over the next 5 years now that claim has been made.
See if you can add yourself to the poilcy to bring the premium down.
You could also just take out 3rd party, fire and theft and see what difference that makes.

but he has still had an accident which most ask you to declare.

e.g. GOCOMPARE

Any accidents or losses, whether there was a claim or not and regardless of blame, in the last 5 years
#8
say he has had no crashes... like they would know lol
#9
it was a motorway collision and obviously was attended by the Police, the claim is still pending at the moment. He was hit in the rear by a foreign lorry driver while changing lanes etc

Can I still add myself as a named driver even though we have different addresses.

Edited By: skylinedude on May 12, 2011 15:29
banned 3 Likes #10
deejaychaos
say he has had no crashes... like they would know lol

^^^^^ worst advice of the day award above
#11
skylinedude
it was a motorway collision and obviously was attended by the Police, the claim is still pending at the moment. He was hit in the rear by a foreign lorry driver while changing lanes etc

Can I still add myself as a named driver even though we have different addresses.



If he's not at fault then it should be removed once its cleared up.

Give Chris @ A-Plan Insurance Thatcham a call and see what he can do.
(01635) 874646

Rick
#12
My sister in law just passed her test last week we got her a 2001 ford ka best quote was £2200 so i was advised to put myself on her policy as a named driver so policy in her name and me as another driver. Premium came down to £1400. Still loads but not too bad for 20 year old new driver. That was with admiral.
#13
RickT
skylinedude
it was a motorway collision and obviously was attended by the Police, the claim is still pending at the moment. He was hit in the rear by a foreign lorry driver while changing lanes etc

Can I still add myself as a named driver even though we have different addresses.



If he's not at fault then it should be removed once its cleared up.

Give Chris @ A-Plan Insurance Thatcham a call and see what he can do.
(01635) 874646

Rick


I thought whenever a car is rear-ended is is considered the fault of the car behind (the one who went into the car in front) as they did not give enough space in the event of sudden braking etc. So, yep, contact the insurance company and ask about who is taking responsibility for the accident.
#14
Also, yes, you can put yourself down as a named driver even though you do not live at the same address.
Often an older person as a named driver will significantly affect the premiums in a positive way.
#15
sickly sweet
Also, yes, you can put yourself down as a named driver even though you do not live at the same address.
Often an older person as a named driver will significantly affect the premiums in a positive way.


It's not been making much difference recently due to the amount of people doing it,

Even the old way of fronting is no cheaper!
#16
These days, it doesn't matter if you are to blame or the other driver. Becasue you made a claim, even if the other party are to blame, it shows you are liable to claim and that automatically puts your policy up greatly. I've just been through that with Admiral. I went mental with the guy on the phone when he told me. A totally ludicrous policy, in more ways than one.
#17
Admiral would be my cheapest insurance provider if it wasn't for an an accident I had which wasn't my fault. Fortunately my current provider understand this and haven't penalised me for the accident. I managed to get them to lower my premium from £330 (last year) to £312 (this year) when Admiral wanted £330 (no accident reported) or £400 (with non-blame accident reported).
#18
I had a non fault claim on my motorcycle when a car driver pulled out of a lane & cut me up when he wasn't allowed to & even though the other insurance company payed out & mine didn't pay a thing they bumped up my insurance.
I also didn't drive for a while & when trying to insure myself again they said that my ncb hadn't been used for a while & is no longer valid!
The greedy %$£"£ must be making a mint.
#19
Go to ikube, reduces insurance prices for young drivers dramatically, but will limit him so he cannot drive between 11pm and 5am.

And nice csiman, stole my award that i gave out yesterday :)
#20
I will not post in this thread.
#21
sickly sweet
RickT
skylinedude
it was a motorway collision and obviously was attended by the Police, the claim is still pending at the moment. He was hit in the rear by a foreign lorry driver while changing lanes etc

Can I still add myself as a named driver even though we have different addresses.



If he's not at fault then it should be removed once its cleared up.

Give Chris @ A-Plan Insurance Thatcham a call and see what he can do.
(01635) 874646

Rick


I thought whenever a car is rear-ended is is considered the fault of the car behind (the one who went into the car in front) as they did not give enough space in the event of sudden braking etc. So, yep, contact the insurance company and ask about who is taking responsibility for the accident.


Yeah, most of the time that would be the case, however the op mentions changing lanes. Not sure who was changing but it's entirely possible to change lanes and pull in front of someone without giving them chance to avoid a collision. Therefore they would hit you up the rear but the car in front would be at fault.
1 Like #22
michelleleemoo
I will not post in this thread.


Op, try http://www.insure-my-budgie.com

Someone here recommended them the other day.
#23
just front on the insurance :p
#24
Just renewed my insurance with 1 year no claims on a 21 year old, last year paid 1550 for a 1.25L 3rd party fire and theft and this year fully comp on a 1.6 diesel only 550!! Extremely happy!
Have you tried admiral? Or Churchill, I found Adrian flux to give good quotes to new drivers too.
banned#25
and get a quote for FULLY COMP as generally cheaper than TPFT
#26
Hi all,

Thank you for all the replies, I have added myself to his insurance as a named driver. I cannot believe a simple thing like that would make such a big difference. He is now getting quotes for £1000 fully comp. Again thank you all for your help and suggestions :)

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