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  1. #1
    Tour Winner
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    Young Driver - First Car - First insurance

    My youngest is just starting to learn to drive and looking to help him get his first car and insurance. Been speaking to my own insurer, and a couple of others, but none prepared to / allowed to offer actual smart advice. They have quoted me over £2000 for a 1.2 Renault Clio - which is £500 more than the car is worth!

    Anyone got any experience of same situation, recommendations etc.

    i.e.

    Should he get own policy or better to be a named driver on mine?
    Is there a good car that automatically brings the insurance down?
    Particular good Insurer for first timers?

    thanks

  2. #2
    Money List Winner paddyk's Avatar
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    Re: Young Driver - First Car - First insurance

    18yo daughter just passed and I bought her a 1.2 Ford ka. 1500 to insure in her name with a black box installed . that's with more than

  3. #3
    Money List Winner paddyk's Avatar
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    Re: Young Driver - First Car - First insurance

    that's with an 8000 mile limit . any more and she has to pay extra

  4. #4
    Journeyman Pro anotherdouble's Avatar
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    Re: Young Driver - First Car - First insurance

    Quote Originally Posted by need_my_wedge View Post
    My youngest is just starting to learn to drive and looking to help him get his first car and insurance. Been speaking to my own insurer, and a couple of others, but none prepared to / allowed to offer actual smart advice. They have quoted me over £2000 for a 1.2 Renault Clio - which is £500 more than the car is worth!

    Anyone got any experience of same situation, recommendations etc.

    i.e.

    Should he get own policy or better to be a named driver on mine?
    Is there a good car that automatically brings the insurance down?
    Particular good Insurer for first timers?

    thanks
    The Clio is a car that is often customised by the young ones and therefore insurers tend to put the price up for youngsters. Fords will generally be cheaper to insure but you have to get your head around that any 1st car for that age group will be 4 figures. Black boxes will save some £'s but do find out if there are any restrictions, such as mileage, time of day and one used to have road category.

  5. #5
    Money List Winner Lord Tyrion's Avatar
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    Re: Young Driver - First Car - First insurance

    My son is an add on to my wife's car. That cost an extra £500. She has a 1.0 petrol Citroen C1. Have a look at the likes of that, Toyota Aygo, Skoda Citigo etc. We didn't add the black box, wife didn't want to be judged ha ha. We did quite a bit of research beforehand, spoke to a few different insurers, including brokers. You need to put in the leg work to find the right combination of your location, your car, insurer. We ended up with Direct Line incidentally

    With regards to the high cost, one insurer pointed out to me that an old cheapo car doesn't automatically mean low insurance. The insurance is high to cover the cost of the young driver piling into another car and them having to pay for the other persons repair bill, compensation etc. This is why it is not unusual to have insurance way more than the cost of the car for a teenager.

    Bit of a left field one. One friend of my son turned up in a brand new car one day, think it was something like a 1.2 Fiesta. Crackers we all thought until we discovered the dealer was throwing in free insurance for the first 2 years. Suddenly not such a bad deal, if they did need a car of course.
    Nike Covert 2.0 Driver, Nike Covert 3 Wood, Nike Covert 26° Hybrid, Ping G25 23° Hybrid, Cleveland CG16 Irons , Cleveland Wedges, Radius Classic No. 7 Putter

  6. #6
    Journeyman Pro Bunkermagnet's Avatar
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    Re: Young Driver - First Car - First insurance

    I got both my 2 daughters a Micra when they were learning and passed. For insurance as a learner, the cheapest way was with their own insurance through a company that insure learners only. We had to provide evidence in the form of copies of the provisional license to keep it going, then once they passed that policy was then voided and they had to progress to a normal insurance policy through another company.
    My wife deals with car insurance, and she tells me that policies that have the new driver only as a named driver and a parent being the main ( and not the real main driver) can and often be cancelled in the event of a claim if they think the driver/parents are being somewhat devious.
    Forever trying.

  7. #7
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    Re: Young Driver - First Car - First insurance

    Yeah it's tough to insure a new driver at any age.

    I passed my test at 44 and my first quote was £800. I have a clean bike license with no claims on it. In the end I ended up getting a car and being added to my wife's policy for the first year for £500. After the first year I moved to having my own policy which took in to account my 1 year on a policy as a named driver which got me an additional discount down to £350.

    On the 7th January my new policy will be £250 fully comp. This with 1 years no claims and 1 year as a named driver on another car. Insurance for the teenage years is always going to be a killer. Really need to work on not having any claims and earning the no claims / good driver rep. I even got offered a black box option but the original quote was higher.

  8. #8
    Global Moderator DCB's Avatar
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    Re: Young Driver - First Car - First insurance

    Went down the Telematics route with Direct Line for my own daughter. £850 for the first year in a 1.3 Yaris. My wife and I are on as named drivers, but Daughter is primary driver so building up her NCD. Figures must have been good as there was a reduction on renewal time of about £170. Certainly makes the younger driver think a bit more as all their driving is monitored. You need to look around as some insurers won't touch a young driver. Worst quote I got was over £3K when I first started the process.

  9. #9
    Challenge Tour Pro Coffey's Avatar
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    Re: Young Driver - First Car - First insurance

    As already mentioned, insurance is going to be huge for any new driver.

    When I started driving about 8 years ago, my first quote was £1600 for my own policy.

    Try adding yourself as a named driver onto the policy, mine came down by about £300 once I added my dad.

    Also be very careful adding him as a named driver on the policy if he is going to be the main driver. As mentioned the insurance companies can refuse to payout if they find out this is the case. When I initially passed my test, I was a named driver on my parents insurance but I only drove the car in the evenings with my friends and didn't commute to school or work or anything like that.

    Also, my brother passed his test a few years ago and the best quote he got was with NFU. His was about £1000 which also included driving other cars strangely enough. When I tried to go through them they quoted me £4k when I was paying £800 through another company so it may not work out but worth a go.
    H/C: 14.5 Clandeboye Golf Club, Bangor, Northern Ireland. Driver: 2016 M1- Project X Hzrdus black 6.0 . 3 wood: TM M2 HL 3 Iron: Srixon ZU45 Hybrids:TM RBZ Stage2 4. Irons: Ping I 5-PW. Wedges: SM6- 50, 56, 60. Putter: Odyssey 2-ball Fang Tank

  10. #10
    Major Champion SwingsitlikeHogan's Avatar
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    Re: Young Driver - First Car - First insurance

    My daughter is insured on my policy - she drives a 08 1.2 VW Polo. Cost on my insurance for her was about £600. I'm going to move her off my insurance onto her own as she is now commuting to work daily...and don't want insurers getting sniffy of she has an accident. She's 22 and so I'm guessing she won't get much change out of £1200?
    Last edited by SwingsitlikeHogan; 03-Jan-2018 at 15:03.
    to infinity and beyond...

    ...well from 10.0 to 9.4 this year would be nice.

    And with just the October medal to go - I've got to 8.3

    Job done

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