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Car Insurance


charlie clown

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My youngest has just passed her driving test and although we expected the insurance quotes to be high, they are even more inflated than we expected. Anyone know of any off the radar providers who do decent deals for new drivers?

Try Adrian Flux.

 

Have you just been looking at comparison sites?

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You'll no doubt find something a bit cheaper if you keep looking ... but the general rule is that you will have to pay through the nose.

 

There was a monumental victory for gender equality a couple of years ago where insurance companies were told they could not penalise young male drivers by charging them more than females. It didn't take a genius to work out what the insurance companies would do next ... guess what, girls insurance premiums are now as high as the boys.

 

What kind of premiums are you getting quoted, CC? My lad is taking his test soon - we bought a Mini a few years back thinking that'd be perfect to pass on to him ... no f*cking chance, insurance premiums were eye-watering by the time he got to 17. He's enjoying being a learner at the moment - much cheaper to insure and he gets to drive both our cars.

 

In response to the original question, you need to go back and do things the old-fashioned way - get a broker working on your behalf. The only reasonable quotes I've heard people talk about for their kids have come through specialist brokers, i.e. real people who will do the leg work for you.

Edited by RP
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@ RP - I had one quote this morning that was £9k. I saw the monthly repayment and thought that THAT was the total annual premium. When Mrs.C pointed out that was the monthly repayment if we wanted to pay in installments In early choked.

 

That's an extreme though - the missus was looking at a few other options and Tesco and (I think) M&S both came in the cheapest. But she only ever does her insurance off the comparison sites, I always go through a broker, so as you say, maybe the bext option will be to speak to them and see if they can dig anything better out of their pool.

 

And @ Matty - cheers - I'l have a look at Mr.FLux as well.

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Insure it in your name with her as a named driver.

 

 

 

Makes negligible difference nowadays .. and the insurance companies are red hot now on who is the primary user of the car. If you say it's you and then your kid has an accident, you're gonna get a whole world of pain before they pay up (IF They eventually do pay up).

 

 

I had a quote for my lad on my car (when he passes) of about £9k too. A 10-year old Mini Cooper (worth £3k) was over £6k a year to insure!! We chopped that in and got a crappy old Peugeot with a lawnmower engine - that's still bumps the insurance up by £2,500, just adding him to my wife's policy.

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The value of the car is pretty irrelevant when it comes to the potential cost of a claim, especially where younger drivers are concerned. If they smash into a tree with three passengers, the bodily injury costs makes the value of the car look like chicken feed.

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Best deals I've heard of are those that involve fitting some kind of tracker to the car. They incentivise safe/good driving.

 

I think co-op do one.

Talking about this today to a guy who got his son a black box tracker fitted with a limited mileage on it, good driving is rewarded with additional mileage. Originally his son was getting 'red' routes for doing over the speed limit and it turns out its because he was going from a 60 to 30 and still slowing down in the 30 section, which means he failed. Once he sussed that it has been great. Looking for one for his next son and now there is one with a camera option too in case of accidents. Saved a few hundred pounds , but got a much bigger reduction for the renewal because he could prove he had been a sensible driver, also he kept the black box for his second year as it could reduce even more next years renewal.

Edited by Buzz
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The value of the car is pretty irrelevant when it comes to the potential cost of a claim, especially where younger drivers are concerned. If they smash into a tree with three passengers, the bodily injury costs makes the value of the car look like chicken feed.

 

 

Thanks for clarifying that.

 

Talking about this today to a guy who got his son a black box tracker fitted with a limited mileage on it, good driving is rewarded with additional mileage. Originally his son was getting 'red' routes for doing over the speed limit and it turns out its because he was going from a 60 to 30 and still slowing down in the 30 section, which means he failed. Once he sussed that it has been great. Looking for one for his next son and now there is one with a camera option too in case of accidents. Saved a few hundred pounds , but got a much bigger reduction for the renewal because he could prove he had been a sensible driver, also he kept the black box for his second year as it could reduce even more next years renewal.

 

 

George Orwell would have loved that :lol:

 

The bold bit is quite scary - you mean this kid has just passed his test and didn't realise that speed signs are effective from their precise position, not some vague distance beyond?? That's a bit of a worry. Even more of a worry when these boxes become more widespread and then the Police latch onto them as a new money-raising initiative and start issuing retrospective speeding fines on the basis of evidence from the black box.

 

They are a good idea, I guess, but a bit tricky if the young driver is not the only one to drive the car - the box will obviously monitor all drivers of the vehicle, which may or may not be a problem for people.

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They do - they've got a whole section on their website dedicated to all the help they give to young drivers... just not newly qualified ones apparently.

Looks like you'll have to give her a few months' experience on your policy. Maybe try a multi-car policy with her just as an additional driver?

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Adding as a named driver makes f*** all difference these days - marginal, at best.

 

I'm using Marmalade Insurance for my lad while he's a learner (£85 a month for just about any regular family car) and then when he has passed he'll go on my Direct Line multi car policy I've had for a couple of years. It's not the absolute cheapest but it's just about close enough not to make it worth having a separate policy.

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