Need Help With Car Insurance!

Right hey guys,

could really do with some help please! I'm 17 and booking my test this weekend and looking to buy a car, looked at clios and puntos really. Cheapest incurance was £2100 then i looked at Vauxhall Corsa - insurance group 1 and insurance was still £1800 with pass plus, it's a joke!

I'v looked at compare the market and go compare but could really do with some help finding cheaper insurance, or companys doing special deals for young drivers.

Thanks!

35 Comments

Banned

I'm not clear what sort of help you're requesting. A whip round?

Banned

go on your parents insurance

but yes, 1800 is probably about what a new driver will pay

TBH that is the price that a 17 year old driver would probably pay.

I was in the hit in the back by a 17 year old 2 months after she passed her test. The problem is 17 year old's are statistically more likely to have an accident.

You could try doing a multi car policy with admiral? That is what I did for my first car

no such things as cheap insurance for young drivers.....£1800 is to be expected

You could try something along these lines.

i-kube.co.uk/

A lot of younger drivers use an older parent or guardian to be the first name on the policy, this will greatly reduce your initial premium. Although its not 100% right, and people will moan that the insurance is void etc etc, the insurance companies know it happens and they dont mind.

But this initial saving is no good if you have an accident because they may not pay out.

Years ago, people bought insurance to cover their vehicle and themselves, but these days its just a legal requirement because they will do everything they can to get out of paying claims!

Banned

aircanman;7931452

A lot of younger drivers use an older parent or guardian to be the first … A lot of younger drivers use an older parent or guardian to be the first name on the policy, this will greatly reduce your initial premium. Although its not 100% right, and people will moan that the insurance is void etc etc, the [COLOR="Red"]insurance companies know it happens and they dont mind. [/COLOR][COLOR="Red"]But this initial saving is no good if you have an accident because they may not pay out. [/COLOR]



They wont mind.... if you've just paid them for nothing!

guv;7931527

They wont mind.... if you've just paid them for nothing!



Yes but most young drivers wont claim off their insurance, so they are only buying the insurance to be legal on the road, if they are a NAMED driver on the policy, there is nothing illegal about it.

when i passed i was paying 1.700 for a 1.0 fiesta that was 2 years ago, im now paying £256 for a 1.8 ford zetec doesnt make sense. insuarance companys havent got a clue. they would easily take your money off you but when it comes to paying out they arent as quick

church hill was pretty cheap when i had a pro licence was paying like £600 for a peugeout 306 but when i passed my test and changed my car it suddenly creeped up to 1700 for some reason. what about money supermarket?????

when my kids passed a couple of years ago the cheapest we found was with express insurance. Try a few over the net ifpossible add one of your parents or a relative this should bring it down a bit.

Banned

aircanman;7931549

Yes but most young drivers wont claim off their insurance, so they are … Yes but most young drivers wont claim off their insurance, so they are only buying the insurance to be legal on the road, if they are a NAMED driver on the policy, there is nothing illegal about it.



I never mentioned anything about it being illegal.

But anyway....... so who will these young drivers claim off when they have an accident if its not the insurance company?

I don't know if youve tried them or not but elephant did a great deal for me when i first passed (although they had just started the company back then - i think they're part of admiral). Either way, my first insurance was £600 and i was the only driver on the policy. May be worth seeing if they're prices are still the same, i am female though which usually brings the insurance down too :\

guv;7931942

I never mentioned anything about it being illegal.But anyway....... so … I never mentioned anything about it being illegal.But anyway....... so who will these young drivers claim off when they have an accident if its not the insurance company?



Most young drivers who have accidents in their cheap cars etc wont claim to repair their cars because the claims will go through the roof, they just pay for the repairs themselves.

Original Poster

OK thanks for the help guys! Much appreciated.

aircanman;7931452

A lot of younger drivers use an older parent or guardian to be the first … A lot of younger drivers use an older parent or guardian to be the first name on the policy, this will greatly reduce your initial premium. Although its not 100% right, and people will moan that the insurance is void etc etc, the insurance companies know it happens and they dont mind. But this initial saving is no good if you have an accident because they may not pay out. Years ago, people bought insurance to cover their vehicle and themselves, but these days its just a legal requirement because they will do everything they can to get out of paying claims!



Are you sure!?!.....This is called fronting and is illegal...no ifs....no buts.....FRAUD.

Fronting is where an older driver is insured as the ‘main driver’ of a vehicle, but the vehicle is driven primarily and often owned by a much younger driver, who is then usually added to the policy as a ‘named driver’ to bring down the cost of their insurance cover.

Another recent trick is to add the younger drivers as Spouses/Partners.

]http//ww…c=1

I passed my test when i was 20, my first insurance was around £750 ish for a 1.3 KA, (Female tho so a lot cheaper) I added my mum as a 2nd driver as that can lower the insurance a little if you wanted to be the named driver.

krazykel;7932721

I passed my test when i was 20, my first insurance was around £750 ish … I passed my test when i was 20, my first insurance was around £750 ish for a 1.3 KA, (Female tho so a lot cheaper) I added my mum as a 2nd driver as that can lower the insurance a little if you wanted to be the named driver.



That's MUCH better advice :thumbsup: No risk of being uninsured privided you are noted as the MAIN driver.

Phychlone;7932591

Are you sure!?!.....This is called fronting and is illegal...no ifs....no … Are you sure!?!.....This is called fronting and is illegal...no ifs....no buts.....FRAUD.Fronting is where an older driver is insured as the ‘main driver’ of a vehicle, but the vehicle is driven primarily and often owned by a much younger driver, who is then usually added to the policy as a ‘named driver’ to bring down the cost of their insurance cover.Another recent trick is to add the younger drivers as Spouses/Partners.]http://www.insurancetimes.co.uk/story.asp?sectioncode=13&storycode=382976&c=1



You can specify the younger driver as the main driver to get around this but the premium goes up quite substantially. It might still be worthwhile if the older driver has some NCB or can get a starter discount.

And, for some addresses, Direct Line can be very cheap for younger drivers but they're not on any of the comparison sites.

tony_s1;7932772

You can specify the younger driver as the main driver to get around this … You can specify the younger driver as the main driver to get around this but the premium goes up quite substantially.



Thats what I said. Remember that the policy holder HAS to be the vehicle owner (unless it's owned by a spouse)

tony_s1;7932772

It might still be worthwhile if the older driver has some NCB or can get … It might still be worthwhile if the older driver has some NCB or can get a starter discount.



Sorry but are you suggesting that the OP commit fraud?

aircanman;7932008

Most young drivers who have accidents in their cheap cars etc wont claim … Most young drivers who have accidents in their cheap cars etc wont claim to repair their cars because the claims will go through the roof, they just pay for the repairs themselves.



Complete rubbish, who pays out for the car that they damaged, or worse the injuries that have been caused?

It could run in to thousands of pounds.

If you don't have any good advice, best to keep your very bad advice to yourself.

try quinn direct and endsleigh, go direct to their websites to get quotes, they will be different prices from ones of price comparison sites.

Inactive;7934044

Complete rubbish, who pays out for the car that they damaged, or worse … Complete rubbish, who pays out for the car that they damaged, or worse the injuries that have been caused?It could run in to thousands of pounds.If you don't have any good advice, best to keep your very bad advice to yourself.



depends on the value of the car too, if your not injured, and the car value is under £1000 then it might be better to just repair it because your first years no claims discount is worth 40% and that's a lot.

lilraul;7934237

depends on the value of the car too, if your not injured, and the car … depends on the value of the car too, if your not injured, and the car value is under £1000 then it might be better to just repair it because your first years no claims discount is worth 40% and that's a lot.



You missed the point completely, by giving false information to your insurers, you leave yourself open to being uninsured.

You then lets say run over a child and hit a Ferrari, the insurers refuse to pay, you are liable for the cost of the injuries and the Ferrari, not just your own car.

You are left to pay for the rest of your life.

It is known as fronting in the trade, not a clever thing to do.

lilraul;7934233

try quinn direct and endsleigh, go direct to their websites to get … try quinn direct and endsleigh, go direct to their websites to get quotes, they will be different prices from ones of price comparison sites.



Do a bit of research on Quinn Direct before advising people to use them.:roll:

Inactive;7934283

Do a bit of research on Quinn Direct before advising people to use … Do a bit of research on Quinn Direct before advising people to use them.:roll:



was insured with them for 3 years, no problems and have had claims without any problems.

Inactive;7934282

You missed the point completely, by giving false information to your … You missed the point completely, by giving false information to your insurers, you leave yourself open to being uninsured.You then lets say run over a child and hit a Ferrari, the insurers refuse to pay, you are liable for the cost of the injuries and the Ferrari, not just your own car.You are left to pay for the rest of your life.It is known as fronting in the trade, not a clever thing to do.



I'm saying if ONLY the car is damaged and no injuries then it might be worth while repairing the car under your own expense. what about people who are on third party cover...they ain't covered to have their car repaired unless its the third party's fault.

lilraul;7934297

I'm saying if ONLY the car is damaged and no injuries then it might be … I'm saying if ONLY the car is damaged and no injuries then it might be worth while repairing the car under your own expense. what about people who are on third party cover...they ain't covered to have their car repaired unless its the third party's fault.



So the driver can decide before having an accident to just damage their own car or somebody else's as well.


Get real.

Inactive;7934326

So the driver can decide before having an accident to just damage their … So the driver can decide before having an accident to just damage their own car or somebody else's as well.Get real.



that makes no sense what you just said..

btw when did i mention that hitting some one else's car that it wont be covered?

I just passed my test, am 19, and was looking at insurance for a Skoda Fabia which is a Group 1 car, however the best I can find is £3.5k, which seems a complete ripoff to me..

Banned

jubbyme;7931402

go on your parents insurancebut yes, 1800 is probably about what a new … go on your parents insurancebut yes, 1800 is probably about what a new driver will pay



aircanman;7931452

A lot of younger drivers use an older parent or guardian to be the first … A lot of younger drivers use an older parent or guardian to be the first name on the policy, this will greatly reduce your initial premium. Although its not 100% right, and people will moan that the insurance is void etc etc, the insurance companies know it happens and they dont mind. But this initial saving is no good if you have an accident because they may not pay out. Years ago, people bought insurance to cover their vehicle and themselves, but these days its just a legal requirement because they will do everything they can to get out of paying claims!


really really bad advice. Just commit fraud and be uninsured if you have an accident! I hope you dont get hit by someone who took advice like yours! :x

Banned

I hate giving good advice, but I will let this one slide..

Check out [url]www.tiger.co.uk[/url]
Also phone Premium Choice (Specialise in young drivers & unusual motors)

You can be a named driver on a policy, this will mean your mom / dad etc will be the main driver and you will be a secondary driver. However there are legal issues concerning this, if you drive the car more than the main driver and they find out, your policy is void (known as fronting). Only do this if you intend to use the car less than the man driver.

Can also obtain Pass Plus & try increasing your excess to bring the premium down.
Paying off in one lump sum will also save you money.

Stay away from certain trim level cars, one example is the 'Sport' version of focus TDCI, exactly the same as a normal 1.8 TDCI but the trim level increases the premium due to it looking more desirable I guess.

My advice is to check out Tiger.co.uk, you be the main driver, add your mom or dad as a named driver (Whoever has more NCB) and then opt for Pass Plus and TPFT (Third Party, FIre & Theft).

Do not bother with fully comp, it is designed for cars worth more than a first time buyers car.

Theres hundreds of factors that make up your policy, from post codes, convictions, how you pay, your employment status, martial status, endorsements etc.

But do check out the website above and ring Premium Choice.

Simples.

Edit: Take out legal cover too (If you hit someone or take out roadside furniture (Lamp posts, railings, traffic lights, sign posts etc) it will be well worth the extra few quid.

Banned

wierdowoss;7934383

I hate giving good advice, but I will let this one slide..Check out … I hate giving good advice, but I will let this one slide..Check out ]www.tiger.co.uk Also phone Premium Choice (Specialise in young drivers & unusual motors)You can be a named driver on a policy, this will mean your mom / dad etc will be the main driver and you will be a secondary driver. However there are legal issues concerning this, if you drive the car more than the main driver and they find out, your policy is void (known as fronting).Can also obtain Pass Plus & try increasing your excess to bring the premium down.Paying off in one lump sum will also save you money.Stay away from certain trim level cars, one example is the 'Sport' version of focus TDCI, exactly the same as a normal 1.8 TDCI but the trim level increases the premium due to it looking more desirable I guess.My advice is to check out Tiger.co.uk, you be the main driver, add your mom or dad as a named driver (Whoever has more NCB) and then opt for Pass Plus and TPFT (Third Party, FIre & Theft).Do not bother with fully comp, it is designed for cars worth more than a first time buyers car.Theres hundreds of factors that make up your policy, from post codes, convictions, how you pay, your employment status, martial status, endorsements etc.But do check out the website above and ring Premium Choice.Simples.Edit: Take out legal cover too (If you hit someone or take out roadside furniture (Lamp posts, railings, traffic lights, sign posts etc) it will be well worth the extra few quid.


Another one giving really bad advice!

Banned

csiman;7934390

Another one giving really bad advice!



You are a 1st class idiot.

I am stating that he can do this IF he does not drive it more than whoever is the main driver.

I will edit it anyways for other idiots who assume this too..

Simples.

TBH I think that most of the people giving advice on Insurance should be VERY careful. I'm an Insurance Professional with 10 years experience (and still learning :)) and I know most of the pitfalls when it comes to Motor Insurance. It shocks me that some people on here are giving advice out like candy without understanding the legal inplications for the Insured Drivers.

I'm not saying that people should not give advice but when it comes to matters of a legal nature it is ALWAYS best to seek PROFESSIONAL advice (that way you can sue them if you come unstuck;-))

It's always nice to see people trying to help other but some users are highlty impressionable and may take advice given as gospel. I can imagine Drivers standing in the court dock saying "M'lud (insert username here) on HUKD told me that......blah,blah,blah"

So, go and sit in your local insurance brokers office and tell them what you need. When they tell you the best way to do it and provide you with a quotation. If you're not happy with the quotation then go online and apply what you learnt from sitting with the professional and get some direct quotations, safe in the knowledge that you will be covered on the correct basis.

Rant over :-D
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