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    Car insurance - 17 year old

    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

    62 Comments

    If you're a boy, forget it. It could be a Sinclair C5 and you'd still be talking £2k minimum.

    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...

    Supermod

    Try [url]www.gocompare.co.uk[/url] as they seem to pick the cheapest in comparison to the other sites.

    ei8hty5ive;7768289

    17 on a provisional? You're just going to have to grit your teeth and pay … 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

    Original Poster

    Yeah being male doesn't help... Would I be better off waiting till I past my test?

    Supermod

    spobby;7768314

    Yeah being male doesn't help... Would I be better off waiting till I past … 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...

    youngmarmalade

    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

    deek72;7768283

    If you're a boy, forget it. It could be a Sinclair C5 and you'd still be … 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?

    spobby;7768314

    Yeah being male doesn't help... Would I be better off waiting till I past … 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.

    Snailman;7768330

    Useless, uninformed comment.Try and get a parent as a main driver and … 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

    Supermod

    spikeyjacko;7768325

    youngmarmalade



    That is a very expensive site still...

    Snailman;7768330

    Useless, uninformed comment.Try and get a parent as a main driver and … 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

    Original Poster

    I might go for additional driver option, but then have to watch out for fronting?

    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.

    Supermod

    Inactive;7768342

    That is illegal, known as fronting, it could leave the OP uninsured.Not … That is illegal, known as fronting, it could leave the OP uninsured.Not advised.:x



    On what grounds would it be illegal!?

    deek72;7768349

    Useless, uninformed comment.?



    Better than "forget it".

    magicjay1986;7768359

    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.

    Supermod

    Inactive;7768389

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

    Original Poster

    How often could I use the car, being an additional driver?

    Supermod

    spobby;7768441

    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".

    Original Poster

    magicjay1986;7768446

    You would need to make sure that you note on the policy as the additional … 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?

    Snailman;7768380

    Better than "forget it".



    Was that all I said?

    Why am I even............:x

    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

    magicjay1986;7768398

    ...but you can also add whether the second driver or additional driver is … ...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

    moneyhighstreet.com/fin…al/

    Supermod

    spobby;7768453

    I'm guessing that would cost more?



    Yes, potentially. Not as much as being main driver.

    magicjay1986;7768398

    ...but you can also add whether the second driver or additional driver is … ...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.

    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?

    Supermod

    csiman;7768473

    but the 17 year old would still be the 'MAIN' driver therefore still … but the 17 year old would still be the 'MAIN' driver therefore still illegalhttp://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.

    magicjay1986;7768398

    ...but you can also add whether the second driver or additional driver is … ...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.

    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?

    magicjay1986;7768398

    ...but you can also add whether the second driver or additional driver is … ...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... :?

    Original Poster

    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.

    Supermod

    Inactive;7768500

    Not on insurance you cannot, they are just additional drivers, and as … 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?

    Supermod

    ei8hty5ive;7768507

    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.

    Supermod

    deek72;7768482

    It's illegal to say he's an additional driver when he is the main driver, … 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.

    BlackCloud;7768502

    There must be either a very large percentage of uninsured drivers … 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.

    magicjay1986;7768522

    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

    spobby;7768509

    It's only so i can get some practice in , and perhaps do a couple of … 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.

    Inactive;7768558

    No point in saying " yawn again " that was correct information, you are … 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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