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    18 yr old girl Car Insurance - passed test July - Admiral under £700

    Just checked for my daughter's insurance and got it down to £657 which is amazing, so anyone looking for insurance check out Admiral - its a 10 month policy and I got it so low by adding myself as a named driver, then my husband as a named driver, it just kept coming down - started at £857 with just oh as named, then I put in for the 10 month policy, came down again, then added me - brilliabnt price for an 18 yr old who passed her test in July! - Fully comp with excess of £100 and compulsory excess of £250
    Hope this is helpful to someone
    She has a Vauxhall Corsa 2002 SLI Sport

    18 Comments

    If she takes a pass plus it will be cheaper still.
    The saving is usually a lot more than the cost of the pass plus!
    Did you try that?

    did the same for my doughter in october and named driver acrue no clame discout as well

    Be careful with the ten month accelerator - I made the mistake of going with this initially and I wish I hadn't as I've basically lost a year of no-claims bonus. It wasn't any cheaper going with the same company (Elephant my case but the same company as Admiral) as Admiral gave me a lower price without the 10 month no claims.

    I do find Admiral/Elephant to be consistently the cheapest for me though and have been with them for a while and even though I'm no longer a young driver they're still by far the cheapest (aside from Swift but I don't count them as insurance company) as my renewal is just in and I've been hunting around as usual. Their customer services have been surprisingly good a well as with paying less I expect CS to be worse.

    John

    Original Poster

    thanks for that John - didnt really understand the 10 month thing but they explained she would get a full yr no claims after 10 months - also everyone else was £1,200 to £1,600 so pretty good saving.
    Also thanks jtx - she will be taking her pass plus soon

    Have you also checked the martin lewis and cashback sites?

    The problem is they are the only ones that will accept it as a no-claims bonus, if you go with another company you don't have any no-claims bonus. I did look into getting a two month policy to try and top it up to the year but I couldn't seem to get it organised and gave up although I perhaps didn't put the effort in I should have.

    I was in the same boat a few years back when applying for insurance on my first car and went for the bonus accelerator having just bought the car, I wish I'd paid that bit more to the full year.

    John

    when you did the quote did you pick spouse by any chance?

    Original Poster

    but they are so competative that if she stayss with them she will earn her bonuss, she has to really, if she has had insurance and not made a claim surely

    octobergirl;3405582

    thanks for that John - didnt really understand the 10 month thing but … thanks for that John - didnt really understand the 10 month thing but they explained she would get a full yr no claims after 10 months - also everyone else was £1,200 to £1,600 so pretty good saving.Also thanks jtx - she will be taking her pass plus soon



    :thumbsup: Less worrying for you as well.:thumbsup:

    Although Admiral and Elephant are the same company, their rates vary slightly - at the end of the 10 months with Elephant on the bonus accelerator it was cheaper for me to go with Admiral without any no claims bonus than to pay the renewal with Elephant including the bonus accelerator reduction. Renewals aren't always competitive as they've got you as a customer already and hope you just automatically renew. Initially Elephant were very keen and phoned me up the next day to knock some money off it but this year while they phoned me up they weren't bothered that they were more expensive with Admiral so it's Admiral I'm going with this year. Elephant were cheaper last year, Admiral the year before and Elephant the year before that.

    You've no guarantee that Elephant are going to be cheaper either next year, although they tend to be consistent if they do change how they offer their premiums you're going to lose out. You've said that went from the 857 to 657 figure by changing to 10 months and a couple of other changes with named drivers, have you tried making those changes but without changing down to a 10 month policy? You might find the difference in cost per month isn't that much different.

    John

    jtx;3405159

    If she takes a pass plus it will be cheaper still. The saving is usually … If she takes a pass plus it will be cheaper still. The saving is usually a lot more than the cost of the pass plus!Did you try that?



    Not with admiral. I tried the other day.

    Are you sure your daughter is getting ncd. Im on admiral aswell and im sure im not getting ncd. But I am sharing a car with the owner and named driver.

    This is helpful stuff re my son's G/F - thanks guys:thumbsup:

    deathtrap3000;3410644

    Are you sure your daughter is getting ncd. Im on admiral aswell and im … Are you sure your daughter is getting ncd. Im on admiral aswell and im sure im not getting ncd. But I am sharing a car with the owner and named driver.



    From reading the policy I think it's in the daughter's name with the poster as a named driver which is what it should be and should get a NCD.

    I perhaps mishandled the 10 month bonus accelerator myself but it seems that it basically forces you to stay with the same company which gives them less incentive to give you a better deal. I ended up having a stint with Arnold Clark (mainliy down to impatience when buying a new car), they boasted that I could claim for the maximum no claims bonus after just one year. I had decided against them anyway but was rather amused when the renewal came in at 180 pounds more than the previous year (despite no claims) and about 200 pounds more than a competitive quote. Needless to say I didn't go with them and just stick with standard no claims because I can't go wrong there.

    John

    pass plus is not worth it!! it drops the policy by 5-10% depending on company 10% of £1000= £100 pass plus is minimum of 6hours of lessons @ £20 odd quid an hours bish bash bosh by not doing it you saved yourself a minimum of £20!!!

    Johnmcl7;3411031

    From reading the policy I think it's in the daughter's name with the … From reading the policy I think it's in the daughter's name with the poster as a named driver which is what it should be and should get a NCD.I perhaps mishandled the 10 month bonus accelerator myself but it seems that it basically forces you to stay with the same company which gives them less incentive to give you a better deal. I ended up having a stint with Arnold Clark (mainliy down to impatience when buying a new car), they boasted that I could claim for the maximum no claims bonus after just one year. I had decided against them anyway but was rather amused when the renewal came in at 180 pounds more than the previous year (despite no claims) and about 200 pounds more than a competitive quote. Needless to say I didn't go with them and just stick with standard no claims because I can't go wrong there.John



    Hmm. When I did a price check with me as the proposer and my mum as the named driver, it wouldnt go down past £2000. When I did it as my mum as the proposer and me as the additional driver, it went down to less than a grand. I took that deal as on my own I was looking at £2500 at the cheapest.

    Original Poster

    deathtrap3000;3410644

    Are you sure your daughter is getting ncd. Im on admiral aswell and im … Are you sure your daughter is getting ncd. Im on admiral aswell and im sure im not getting ncd. But I am sharing a car with the owner and named driver.



    1 yr ncd - as she had her own car to try her test in in July and had insured that ince last November as a learner initially then when she pased her test paid the difference (with Swinton the difference July - November was £487) so her policy i not much more now than her difference, another reason for it being so low it would be another £200 if I did not pau in one go - they told me that if I paid monthly the overall charge is entirely different more like £1,100 to £1,200 so paid by credit card

    deathtrap3000;3411186

    Hmm. When I did a price check with me as the proposer and my mum as the … Hmm. When I did a price check with me as the proposer and my mum as the named driver, it wouldnt go down past £2000. When I did it as my mum as the proposer and me as the additional driver, it went down to less than a grand. I took that deal as on my own I was looking at £2500 at the cheapest.



    You have to be very careful what you are doing, if you put the policy in someone else's name and yourself as the named driver when you are the main driver then the insurance company doesn't have to pay up as the insurance is invalid. The insurance companies are well aware of this and will avoid paying out whenever they can.

    John
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