Insurance for New Drivers + buying a car

33
Found 19th Jan
Going to learn to drive soon (and hopefully passing the driving test!). If anyone else has been in a similar position, which car insurance did you find the best? I know nothing about any. What do you reckon would be the average yearly cost?

Also what would be suggested for a first car? I’ve been told by people to get a Ford KA but I don’t know. Only really learning to drive while I still have free time and for the convenience as relying on public transport has been problematic.

Many thanks in advance, I am absolutely terrified so it’ll be nice if anyone can help
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insurance all you can do is get a price comparison website quote based on a car u like / can afford and see as it varies so much on address / car / miles / job / age i doubt anyone can give you any exact advice
Get an online quote from Marmalade who specialise in young and learner drivers.
just try alternative car types and see the differing prices
Toptrumpet15 m ago

Get an online quote from Marmalade who specialise in young and learner …Get an online quote from Marmalade who specialise in young and learner drivers.just try alternative car types and see the differing prices


Thanks for the link it’s really helpful! I’m not 100% sure about getting a car on lease though as my dad had one and even little scratches cost £100s at the end
New young driver with 0 no claims your probably looking at £2k figure.

If your happy to rely on public transport get your license then keep using public transport.
Every year old the cheaper as is the case with years license held.

If you need/want a car as soon as you have the license don't spend more then £2k (you'll ding or scratch) and be prepared to pay through the teeth for the first year.
Follow the standard guidelines to get insurance cheap as possible.
When getting a car for my 22 year old 1st time driver, first thing I thought about was insurance groups and budget. In the end we chose a 2005 Fiat Panda, low mileage, well looked after, group 1 insurance and £600 cost.

We then went onto the MSE Insurance guide. I added myself (49 with no claims) as an added driver (I do drive the car occasionally so it's not frauding the system)

Finally we looked for cashback like Quidco.

In all she paid roughly £1600 which for her age and circumstance I think is a great price.
Best advice I got was don't automatically discount large engined cars.

some of the larger engined 'boring' cars are cheaper to insure then say a corsa because less people have accidents in them statistically.

so an old 1.8 barge may be cheaper then a 1.0 corsa.

my first car was a Yaris on pcp but that was when they did the first years free insurance which I believe they don't do currently, was effectively an extra £1,00 discount as I didn't need to pay for it separate. I picked the lowest model and haggled them down as much as possible playing a couple of local franchises off each other. Maybe see if ford still do their version for something similar? Think it was called just add fuel.
Best bet is to go fully comp (third party isn’t cheap anymore and more expensive these days), give yourself a high excess for first year (obviously make sure you have the money saved to cover it if worst comes to worst), get a dashcam (may avoid you paying out excess in cases where without evidence it could be blameworthy or 50/50 blame, nextbase cameras are good), get a really cheap low insurance group car, add your mum or Dad to the car so they can drive it (will lower your insurance) and consider one of the tracking boxes that monitor your driving (can lower your premium quite a bit). Then just drive sensibly.

Other thing to bear in mind sometimes with insurance it can be heavily affected by where you live!
cmdr_elito29 m ago

Best bet is to go fully comp (third party isn’t cheap anymore and more e …Best bet is to go fully comp (third party isn’t cheap anymore and more expensive these days), give yourself a high excess for first year (obviously make sure you have the money saved to cover it if worst comes to worst), get a dashcam (may avoid you paying out excess in cases where without evidence it could be blameworthy or 50/50 blame, nextbase cameras are good), get a really cheap low insurance group car, add your mum or Dad to the car so they can drive it (will lower your insurance) and consider one of the tracking boxes that monitor your driving (can lower your premium quite a bit). Then just drive sensibly. Other thing to bear in mind sometimes with insurance it can be heavily affected by where you live!


What do you mean by fully comp?
fully comprehensive insurance
Best bet is fail the test & avoid the thousands it'll cost you.
Just because the Ford Ka is a small car, doesn't mean it is going to be cheaper to insure, in fact it will be very expensive. It falls into Group 10 at best (depending on the model). Something like a Citroen C1 which is a Group 1, would be much cheaper to insure. However, having said that, the KA would be cheaper on repairs. Have a look here parkers.co.uk/car…ps/ I found it really helpful when my daughter was buying her first car. Parkers is a well respected car buyers/sellers guide used by those in the autotrade. There are many ways to reduce the cost of Insurance, adding another driver, increasing the excess (this is the amount you would have to pay towards a claim you make), some insurance companies offer cheaper insurance if you have a 'black box' fitted to your car, which is a device that monitors your driving, basically your speed, mileage, braking etc. As you can see there are many factors to take into account when buying and insuring a car. You will also need to consider the cost of running the car, a bigger car may be cheaper on insurance but less economic on fuel. Good luck with your driving lessons and fingers crossed you pass your test.
These are your car choices, put simply, GRP 1. There are some oddities, vintage, classic which are also cheap, but the list below keeps it simple.
parkers.co.uk/car…-1/
Insurance is trickier as it depends on many criteria. My kids paid £1000 fully comp with a tracker box on a Grp2 car. I think this is about average unless you live in a high risk area. Read the Money Saving Expert guide to cheap insurance.
Learning to Drive. Find an instructor by personal recommendation. Try them out to see if you get on. If you don't, move on to another. Do the written tests earlier rather than later.
Think of the dumbest person you know who drives a car and think, if They can, I Must be able to...
GL
don't get a diesel
It is several thousand years since I passed my test but a rough estimate for driving lessons plus cheap run around plus first year insurance will be £4-5k. Being able to drive and having a car is remarkably convenient but also a pain in the ass. I am the only person I know who can drive. My £30k hot hatch is used as a glorified van.
17 year old daughter went with Smart Wheels with a "black box" ... 1.6L Mini One, '06 plate = £798 Fully Comp .. 17 year old son went with Ingenie with a "black box" ... 1.3L CDTI Corsa '05 plate = £1810 Fully Comp ..... When they were learning they both went with Collingwood which only insure learners and were miles cheaper than everyone else!
Find a car you can afford and like check the insurance in a comparison site don’t be to picky on car your insurance quote either way will probs be between 1300-2200 for your first year.
How old are you? I'm also learning to drive soon, but have checked insurance in advance. Its 2.5k+ for just me as the named driver on a 1.4. However, If I add my parents, it goes down to 1.6K, and if I passed a year ago, a couple hundred lower. Also if your parents do have a car that you could be named on as the additional driver, you can still get NCB with some insurance companys. This can help next year if you buy your own, with 1 years no claims. (Obviously don't do this if you're the main driver.)
Edited by: "arjanvirdi" 20th Jan
arjanvirdi2 m ago

How old are you? I'm also learning to drive soon, but have checked …How old are you? I'm also learning to drive soon, but have checked insurance in advance. Its 2.5k+ for just me as the named driver on a 1.4. However, If I add my parents, it goes down to 1.6K, and if I passed a year ago, a couple hundred lower. Also if your parents do have a car that you could be named on as the additional driver, you can still get NCB with some insurance companys. This can help next year if you buy your own, with 1 years no claims. (Obviously don't do this if you're the main driver.)


I’ll be 18 when I start lessons but have held a provisional for a few months to speed things up when I do want to learn.

It’d most probably have to be my own car as my mum and stepdad use theirs for work. How does the whole adding extra named drivers work?
Dolphinzz3 m ago

I’ll be 18 when I start lessons but have held a provisional for a few m …I’ll be 18 when I start lessons but have held a provisional for a few months to speed things up when I do want to learn.It’d most probably have to be my own car as my mum and stepdad use theirs for work. How does the whole adding extra named drivers work?



Both mine added either me or my wife as a named driver with kids named as main driver, even though we've never driven either of the vehicles it dropped the premium by a lot, nothing illegal doing that either as we're covered for "just in case" moments!
Dolphinzz46 m ago

I’ll be 18 when I start lessons but have held a provisional for a few m …I’ll be 18 when I start lessons but have held a provisional for a few months to speed things up when I do want to learn.It’d most probably have to be my own car as my mum and stepdad use theirs for work. How does the whole adding extra named drivers work?



You can search around now for quotes, just put your details down as a new driver, you can tweak things as you go. Make sure you say you don't own the car or the companies will be calling and spamming you for months (I still get spammed for a breakdown quote I asked for a few years ago). You'll get a rough estimate as to how much it will cost.

Adding an older, more experienced driver WILL bring your quote down so it makes sense even if they only ever drive it from the showroom to your house.

A lot of factors make up your premium, you'll see when you complete a quote but age, experience and your location plays a big part.

Don't lie on your quote or it may come back to haunt you but using an experienced driver to reduce your premium is a must for any new driver.

BTW, I added my wife as a learner on my premium and it reduced my policy by £30 - she's younger than me and no experience on the road. I'd let her sit in the drivers seat at best but when she's in the drivers seat she's responsible so it's £30 well saved
Recently gone through the hoops as an older new driver at 41, tweaking fine points like voluntary excess I found that £200 was the sweet point for me with a £275 compulsory on top so £475 in total, however I found that when buying breakdown cover through a groupon deal I could insure my excess for an extra £5 with my breakdown policy. In the end I paid £880 fully comp on a Peugeot 206 1.4 8v, oddly enough the vastly higher powered 2 litre 180bhp 206 gti was only £200 more.

I ended up insuring via Debenhams who came up cheaper on comparison sites (with the exception of goskippy who was around £100 cheaper - read their reviews and you will see why I avoided that option), I then went to a fresh browser with all cookies cleared and did the quote again via Debenhams own website and this time it was almost £200 cheaper than via the comparison sites.

Estate car versions of hatchbacks are often cheaper to insure too, another quirk I found that insurance was cheaper if I parked on the road outside the home than if it was in a garage or even private driveway. Also look at tax band on cars it can make a £200+ difference in running costs per annum and generally the lower the tax the more frugal a car is.

Other things to note is that on one car a newer model may be lower on insurance even though there may only be six months difference in actual age of car and very little difference in purchase cost, this can also work the other way where a newer model is more expensive.

Older cars can often be insured on cheaper classic car policies, or consider joining a owners club as many clubs work with insurers for club discounts.

Add an older more experienced driver (a parent, grandparent etc.) to the policy as this will often bring the cost down.
harlzter14 m ago

Recently gone through the hoops as an older new driver at 41, tweaking …Recently gone through the hoops as an older new driver at 41, tweaking fine points like voluntary excess I found that £200 was the sweet point for me with a £275 compulsory on top so £475 in total, however I found that when buying breakdown cover through a groupon deal I could insure my excess for an extra £5 with my breakdown policy. In the end I paid £880 fully comp on a Peugeot 206 1.4 8v, oddly enough the vastly higher powered 2 litre 180bhp 206 gti was only £200 more.I ended up insuring via Debenhams who came up cheaper on comparison sites (with the exception of goskippy who was around £100 cheaper - read their reviews and you will see why I avoided that option), I then went to a fresh browser with all cookies cleared and did the quote again via Debenhams own website and this time it was almost £200 cheaper than via the comparison sites. Estate car versions of hatchbacks are often cheaper to insure too, another quirk I found that insurance was cheaper if I parked on the road outside the home than if it was in a garage or even private driveway. Also look at tax band on cars it can make a £200+ difference in running costs per annum and generally the lower the tax the more frugal a car is. Other things to note is that on one car a newer model may be lower on insurance even though there may only be six months difference in actual age of car and very little difference in purchase cost, this can also work the other way where a newer model is more expensive.Older cars can often be insured on cheaper classic car policies, or consider joining a owners club as many clubs work with insurers for club discounts.Add an older more experienced driver (a parent, grandparent etc.) to the policy as this will often bring the cost down.



£330 for a Peugeot 206 Diesel ?1.6? with breakdown plus £30 Quidco cashback here. Full no claims. My premium is up in 4 weeks so we'll see what I can get. I always go for an excess of about £300 but never thought about tweaking it.

Breakdown is a tricky one. I rarely travel outside my city but with breakdown outside a certain area (35 miles?) they take you to the nearest approved garage which can charge you whatever they please. If I breakdown locally, my mechanic will come and get me so I'm not sure if it's a great addition.

Edit. It was £30 cashback, not £50
Edited by: "GlentoranMark" 20th Jan
GlentoranMark15 m ago

£330 for a Peugeot 206 Diesel ?1.6? with breakdown plus £30 Quidco c …£330 for a Peugeot 206 Diesel ?1.6? with breakdown plus £30 Quidco cashback here. Full no claims. My premium is up in 4 weeks so we'll see what I can get. I always go for an excess of about £300 but never thought about tweaking it.Breakdown is a tricky one. I rarely travel outside my city but with breakdown outside a certain area (35 miles?) they take you to the nearest approved garage which can charge you whatever they please. If I breakdown locally, my mechanic will come and get me so I'm not sure if it's a great addition.Edit. It was £30 cashback, not £50



The breakdown I have cost £30 with the insurance excess cover included, its also one where they will get you and your car home, I wouldn't be interested in paying a garage to work on a cheap car, I'm the more hands on type and will happily get stuck in (with the 206 there is just about all the info you will ever need to do 99% of jobs all available online). Anything really major and it would probably be more cost effective to weigh it in and buy another runaround, at the end of the day I paid £400 for a car with a brand new MOT that day, if it lasts me a year and catastrophically failed the next MOT I wouldn't be mad if it lasts 2 years then I would be over the moon. The guy I bought from has an excellent reputation locally for cheap cars £4-600 all with new MOT's issued and has many people recommending him and returning to him for custom.
harlzter15 m ago

The breakdown I have cost £30 with the insurance excess cover included, …The breakdown I have cost £30 with the insurance excess cover included, its also one where they will get you and your car home, I wouldn't be interested in paying a garage to work on a cheap car, I'm the more hands on type and will happily get stuck in (with the 206 there is just about all the info you will ever need to do 99% of jobs all available online). Anything really major and it would probably be more cost effective to weigh it in and buy another runaround, at the end of the day I paid £400 for a car with a brand new MOT that day, if it lasts me a year and catastrophically failed the next MOT I wouldn't be mad if it lasts 2 years then I would be over the moon. The guy I bought from has an excellent reputation locally for cheap cars £4-600 all with new MOT's issued and has many people recommending him and returning to him for custom.



I drive cheapies myself and can fix things up to a certain extent. Current car is 2005 with 100k on the clock but running well. MOT is up soon as is my insurance, we have a different system for MOT in NI so just gonna put it through and see what needs done.

There's nothing cheap about owning a car O/P so beware!!! In saying that, my daughters boyfriend is studying in Coleraine University and she has the freedom of visiting him at any time. She's put almost 10k in 8 months on the clock since buying it, another white lie we told as I estimated her annual driving at 8k
GlentoranMark11 m ago

I drive cheapies myself and can fix things up to a certain extent. Current …I drive cheapies myself and can fix things up to a certain extent. Current car is 2005 with 100k on the clock but running well. MOT is up soon as is my insurance, we have a different system for MOT in NI so just gonna put it through and see what needs done. There's nothing cheap about owning a car O/P so beware!!! In saying that, my daughters boyfriend is studying in Coleraine University and she has the freedom of visiting him at any time. She's put almost 10k in 8 months on the clock since buying it, another white lie we told as I estimated her annual driving at 8k



I wouldn't want an expensive car where we live, the first night I had it the fuel lines got cut (I know who it is and they know I know and I am going to leave it at that as I can see they are now acting very nervous and waiting for the comeback which I quite enjoy seeing, I will let their own paranoia serve their justice - for now), so now an added expense is the renting of a garage unit but for less than £8 per week its worth it, the bikes have one garage the car another. Cheap and cheerful does the same job as a more expensive car for what I need.
GlentoranMark1 h, 3 m ago

I drive cheapies myself and can fix things up to a certain extent. Current …I drive cheapies myself and can fix things up to a certain extent. Current car is 2005 with 100k on the clock but running well. MOT is up soon as is my insurance, we have a different system for MOT in NI so just gonna put it through and see what needs done. There's nothing cheap about owning a car O/P so beware!!! In saying that, my daughters boyfriend is studying in Coleraine University and she has the freedom of visiting him at any time. She's put almost 10k in 8 months on the clock since buying it, another white lie we told as I estimated her annual driving at 8k



Annual mileage is checkable on the MOT certificate here in the UK, don't know if it's the same in N.I. but you're leaving yourself open for a fall if the worst happens!
virgil472 h, 38 m ago

Annual mileage is checkable on the MOT certificate here in the UK, don't …Annual mileage is checkable on the MOT certificate here in the UK, don't know if it's the same in N.I. but you're leaving yourself open for a fall if the worst happens!



"What would you say your annual personal mileage is?" is what comparethemarket asks, others ask for estimated annual mileage, it isn't a binding figure, and I suppose technically speaking it is what GlentoranMark would say his annual mileage is, obviously if you was doing double what mileage you said there would likely be issues.

Not to mention if someone else has insurance that covers them for the vehicle then its mileage driven on the car not driven on your policy, so MOT could show car has done 15000 since MOT in the case of a claim but in reality someone else on a separate police could have done 10k of those.
harlzter3 m ago

"What would you say your annual personal mileage is?" is what …"What would you say your annual personal mileage is?" is what comparethemarket asks, others ask for estimated annual mileage, it isn't a binding figure, and I suppose technically speaking it is what GlentoranMark would say his annual mileage is, obviously if you was doing double what mileage you said there would likely be issues. Not to mention if someone else has insurance that covers them for the vehicle then its mileage driven on the car not driven on your policy, so MOT could show car has done 15000 since MOT in the case of a claim but in reality someone else on a separate police could have done 10k of those.



You'd have to prove that though! We all know insurance companies baulk at paying out on the slightest thing, the mileage figures are there in black and white, it would be up to you to prove that it wasn't you driving! IMHO it's not worth the risk!
virgil475 m ago

You'd have to prove that though! We all know insurance companies baulk at …You'd have to prove that though! We all know insurance companies baulk at paying out on the slightest thing, the mileage figures are there in black and white, it would be up to you to prove that it wasn't you driving! IMHO it's not worth the risk!



Definitely not worth the risk, was just pointing out that the MOT recorded mileage is not the be all and end all, it would be easy enough to prove there was more than one policy on the vehicle though, we have separate policy's for me and the Mrs for some of the bikes, simply because I have built up no claims discount and she hadn't when she started riding and the average policy cost on those for me is only about £65 a year, she can build her own no claims, hers aren't much more at about £85. I have been lucky enough to mirror my no claims onto multiple bikes with my insurer.
Agree it's not the be all & end all BUT it's there in black and white and can't be argued with, just having another insurance policy for the same vehicle doesn't prove that any of the mileage has been driven by another party, it may be advantageous for a youngster to take out a second policy for an older relative (who does none of the mileage) to gain advantage on mileage restrictions to lessen the youngster's premium (youngster states, for example, 3k (and gets a very cheap quote)on their policy but actually does 10k) and states the extra 7k were done by the older relative, I think you'd have to provide quite strong evidence that the mileage was done by elder relative ...
joedastudd19th Jan

New young driver with 0 no claims your probably looking at £2k figure.If …New young driver with 0 no claims your probably looking at £2k figure.If your happy to rely on public transport get your license then keep using public transport.Every year old the cheaper as is the case with years license held.If you need/want a car as soon as you have the license don't spend more then £2k (you'll ding or scratch) and be prepared to pay through the teeth for the first year.Follow the standard guidelines to get insurance cheap as possible.



2k lol? when i passed mine was 1050£, and my gf who is passing soon is like 900£, 2k if your buying a 2 litre jeep maybe
Creatishh20th Jan

2k lol? when i passed mine was 1050£, and my gf who is passing soon is …2k lol? when i passed mine was 1050£, and my gf who is passing soon is like 900£, 2k if your buying a 2 litre jeep maybe


Massively depends on what your insuring, your age, location and mileage.

According to Confused £1,900 is the average for a 17 year old, £1,400 for a 21 year old.
It's cheaper now that black boxes are more popular, but even then if you need extra miles you can soon add a few hundred to the cost.
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