Reply to: Insurance again - which Insurer for your 17 year old on your policy?

[Platypus]

check these out Insurance for Learner Drivers | Instant Quote Online from Provisional Marmalade

My Insurance company wanted another £400 for my 17 year old son on a 1.4 ford fiesta, with this plan i insured him for 2 months while he was learning under is own insurance policy so there would have been no hit on my no claims if he had bumped it.

When he passed his test the cheapest quote for a 2000 1.2 Renault Clio was £2500

Also check out this for newly qualified drivers Young Driver Car Insurance - Young Driver Insurance

Its a lease scheme for new drivers to buy nearly new cars and the monthly cost covers the insurance

Hey SupportMonkey, these are GREAT links!
They're quoting me £250 for 3 months' insurance on their Provisional scheme

Problem solved

[Platypus]

Forget 'cheap' insurance for anyone under 21. It doesnt exist. Front them and your insurance wont pay. Declare them as the main driver means high premiums.

Insurance for 17 year olds is expensive for a reason. They crash all the ******* time.

If you dont want to pay 2 grand for your kids insurance, just tell them its out of the question until they are 21 (and even then it wont be cheap). Oh and stay away from Clios, Corsas, Fiestas since these are the choice of boy and girl racers hence the high premiums.

Fair points. Apparently it's common these days for kids to have driving lessons only, and no practice in their parents' car at the weekend due to this high insurance. £2k buys a lot of extra driving lessons.

Don't youngsters choose Clios, Corsas and Fiestas because they are in very low insurance groups, therefore the only type of car they can afford to insure?

[mudskipper]

... I believe the fine for driving without insurance is about £200. ...

[BolshieBastard]

Forget 'cheap' insurance for anyone under 21. It doesnt exist. Front them and your insurance wont pay. Declare them as the main driver means high premiums.

Insurance for 17 year olds is expensive for a reason. They crash all the ******* time.

If you dont want to pay 2 grand for your kids insurance, just tell them its out of the question until they are 21 (and even then it wont be cheap). Oh and stay away from Clios, Corsas, Fiestas since these are the choice of boy and girl racers hence the high premiums.

[Platypus]

Try Tesco as they seem to be very reasonable for insurance for learner drivers, but watch the exclusions on the contract, you may find that you are paying nowt much but aren't getting very much in the way of coverage.
The excess can be quite steep as well.

Tried Tesco, they quoted me £2800

The moral of that story is to use a broker.

I've asked a local broker to look around.

The landrover idea is starting to sound quite attractive, I must admit.

[Sysman]

Have you thought about buying an old landrover? They used to be cheap(ish) to insure.

That's what my cousin did for his kids to learn on and use (they were out in the sticks).

I had a pleasant surprise when I got an old Land Rover in the mid 1990s. Various insurance companies wanted me to start without any no claims bonus because it was a second car. In horror at the prices quoted I started looking for classic car type insurance and would have been happy with a limited mileage one. What my broker found was a policy which allowed any driver, unlimited mileage and fully comp to boot, all for about 130 quid p.a.

The moral of that story is to use a broker.

[norrahe]

Try Tesco as they seem to be very reasonable for insurance for learner drivers, but watch the exclusions on the contract, you may find that you are paying nowt much but aren't getting very much in the way of coverage.
The excess can be quite steep as well.

[Platypus]

Does daddy drive a range rover?

Try a fiat 500 instead...

Got a chip on your shoulder, sonny?
Range Rovers are common as muck around here, I wouldn't lower myself.

Have you thought about buying an old landrover? They used to be cheap(ish) to insure.

Nice idea, but if I get another car, Fiat or Landrover, I won't be the main driver (daughter will) which will I suspect make the premium even more. The 'modest' additions I'm seeing at the moment are because daughter will be only an 'occasional' driver of my car (an old Golf diesel).

I'll try a few of the links provided by other posters.

[Churchill]

Thanks folks.

Quotes I'm getting are currently looking for £1600 (best case) to £2500 additional to my premium

Have you thought about buying an old landrover? They used to be cheap(ish) to insure.

[DimPrawn]

Thanks folks.

Quotes I'm getting are currently looking for £1600 (best case) to £2500 additional to my premium

Blimey, nearly a weeks pay!

[ASB]

Footnote: it is an offence to add your children to the policy as an additional driver if they are the main driver of the car, its called fronting and you could find the insurance company will not pay out.

Of course you can add them, provided of course they are declared as the main user. Do that and you are not fronting, indeed it's often the only way to do it because the child will normally not have an insurable interest.

[scooterscot]

Thanks folks.

Quotes I'm getting are currently looking for £1600 (best case) to £2500 additional to my premium

Does daddy drive a range rover?

Try a fiat 500 instead...

[Platypus]

Thanks folks.

Quotes I'm getting are currently looking for £1600 (best case) to £2500 additional to my premium

[Support Monkey]

Just to add to this, When my son passed his test and we had the quote for £2500 i decided this was to much so i insured the car for myself through Churchill and added him as an additional driver it was still £1100 but churchill will give him up to 3 years no claims when he takes out an individual policy with them.

Footnote: it is an offence to add your children to the policy as an additional driver if they are the main driver of the car, its called fronting and you could find the insurance company will not pay out.

I use the car all week as my son gets picked up for work he only uses it weekends so I am the main driver

[Support Monkey]

check these out Insurance for Learner Drivers | Instant Quote Online from Provisional Marmalade

My Insurance company wanted another £400 for my 17 year old son on a 1.4 ford fiesta, with this plan i insured him for 2 months while he was learning under is own insurance policy so there would have been no hit on my no claims if he had bumped it.

When he passed his test the cheapest quote for a 2000 1.2 Renault Clio was £2500

Also check out this for newly qualified drivers Young Driver Car Insurance - Young Driver Insurance

Its a lease scheme for new drivers to buy nearly new cars and the monthly cost covers the insurance