Car Insurance for my son

[monkeybiter]

Anyone know or reccomend an insurer for young new drivers?
My son's 18 and taking his test on Saturday. So far the cheapest quote [for a 1999 Bravo] is £2600 :shock:
That's with me and his mum as named drivers. Strangely it was cheaper for fully comp than tpfat.

 

[Blister]

Try a 15 year old ford fiesta on third party only

sometimes its foreign cars that bump up the price

or any group 1 insurance

your son will not like the car , but when he has 2 to 3 years no claims built up he can get a more poesy car then

That,s what we did with my eldest and the eldest now has a nice new car 3 years later with cheap insurance :wink: :lol: :lol:

 

[Dibs-h]

Anyone know or reccomend an insurer for young new drivers?
My son's 18 and taking his test on Saturday. So far the cheapest quote [for a 1999 Bravo] is £2600 :shock:
That's with me and his mum as named drivers. Strangely it was cheaper for fully comp than tpfat.

I'd get him to do the PassPlus (or whatever it's called these days) - might just take a bit more off the insurance quote.

 

[Mike.C]

Sadly with most companies, being on your insurance will not be of any benefit to him, he needs his own insurance. So as Blister said get him an old Fiesta or Nova and ask for a quote for third party only (no fire and theft). That way he is building his own no claims up.

Either that or look for a company that will give all named drivers there own no claims, if there are any.

Also Dib's idea is pretty good, and will certainly help him.

Cheers

Mike

 

[Dibs-h]

Sadly with most companies, being on your insurance will not be of any benefit to him, he needs his own insurance. So as Blister said get him an old Fiesta or Nova and ask for a quote for third party only (no fire and theft). That way he is building his own no claims up.

Either that or look for a company that will give all named drivers there own no claims, if there are any.

Also Dib's idea is pretty good, and will certainly help him.

Cheers

Mike

Mike

I think Blister meant the insurance is in the youngsters name and Blister & Mrs are down as named drivers. This can sometimes bring the quote down in the same way as if you put Mrs Mike on your insurance policy than if you have it in your name only.

Dibs

p.s. Blister sometimes it's worth asking what affect a higher excess has. Not ideal, but a 500 (or 750) excess could make Blister (jnr) a little more careful driving than a £100 excess. :wink:

 

[Blister]

Sadly with most companies, being on your insurance will not be of any benefit to him, he needs his own insurance. So as Blister said get him an old Fiesta or Nova and ask for a quote for third party only (no fire and theft). That way he is building his own no claims up.

Either that or look for a company that will give all named drivers there own no claims, if there are any.

Also Dib's idea is pretty good, and will certainly help him.

Cheers

Mike

Mike

I think Blister meant the insurance is in the youngsters name and Blister & Mrs are down as named drivers. This can sometimes bring the quote down in the same way as if you put Mrs Mike on your insurance policy than if you have it in your name only.

Dibs

p.s. Blister sometimes it's worth asking what affect a higher excess has. Not ideal, but a 500 (or 750) excess could make Blister (jnr) a little more careful driving than a £100 excess. :wink:

No , The young one is the only named driver , I am not on the policy

:wink:

 

[Dibs-h]

No , The young one is the only named driver , I am not on the policy

:wink:

Ah - you mean the policy is in the Mrs's name and he's the named driver i.e. your not shopping for a policy in his name. You do realise that Ins Co's are clamping down on the practice where the policy is in Mum\Dad's name and the named driver is actually the main driver.

Dibs

 

[Blister]

No , The young one is the only named driver , I am not on the policy

:wink:

Ah - you mean the policy is in the Mrs's name and he's the named driver i.e. your not shopping for a policy in his name. You do realise that Ins Co's are clamping down on the practice where the policy is in Mum\Dad's name and the named driver is actually the main driver.

Dibs

NO , The young one is the ONLY one on the policy . NO mum NO dad all alone

Its the only way they will get there own no claims discount

And I don't loose mine :lol: :lol:

 

[flounder]

Just had the same thing recently with my 17 year old. The cheapest we could find was with Churchill, and I use the term 'cheapest' when in fact I mean least expensive! It was also cheaper to insure him whilst still a learner than to wait 'til he passed his test.

 

[Gary]

NO , The young one is the ONLY one on the policy . NO mum NO dad all alone

Its the only way they will get there own no claims discount

And I don't loose mine :lol: :lol:

Not quite true, as long as the policy is in the name of your youngster and they are named as the main user, they will gain no claims.

Unless of course you find a comapny that offer no claims to named drivers.

You wouldn't loose any no claims by being named on you offsprings policy, if they were to claim, so long as it's their policy.

 

[Blister]

NO , The young one is the ONLY one on the policy . NO mum NO dad all alone

Its the only way they will get there own no claims discount

And I don't loose mine :lol: :lol:

Not quite true, as long as the policy is in the name of your youngster and they are named as the main user, they will gain no claims.

Unless of course you find a comapny that offer no claims to named drivers.

You wouldn't loose any no claims by being named on you offsprings policy, if they were to claim, so long as it's their policy.

A friend of mine put his name on his daughters insurance and they used the car between them , well mainly the girl as Steve used his scooter to commute to work , now he has sold the scooter and wants to insure a car again for his use he was told he has NO no claims as it is being used on the other shared policy :shock: :shock:

He is not impressed :lol: :lol:

 

[Chems]

Try a 15 year old ford fiesta on third party only

Don't do this, he will have a crash, its part of been a young boy, well likely that he will, and when he does you want him hitting airbags and the car not crumpling around you. I've got some great pictures of the difference between very old cars and ones built in the last 5 years and what happened to the people inside if it will help you get a good car.


PassPlus will help, but also there are policies out now for young people where they agree not to drive after a certain time of night and no passengers at certain times and it reduces the premium.

 

[Dibs-h]

NO , The young one is the ONLY one on the policy . NO mum NO dad all alone

Its the only way they will get there own no claims discount

And I don't loose mine :lol: :lol:

Not quite true, as long as the policy is in the name of your youngster and they are named as the main user, they will gain no claims.

Unless of course you find a comapny that offer no claims to named drivers.

You wouldn't loose any no claims by being named on you offsprings policy, if they were to claim, so long as it's their policy.

A friend of mine put his name on his daughters insurance and they used the car between them , well mainly the girl as Steve used his scooter to commute to work , now he has sold the scooter and wants to insure a car again for his use he was told he has NO no claims as it is being used on the other shared policy :shock: :shock:

He is not impressed :lol: :lol:

Blister - That's BS (I mean what the Ins Co are telling is BS). Your mate should tell the insurance as much! My daily drive is insured in my name, using my no-claims discount that I've acrued over the yrs. Wifey has her car insured in her name with her discount. She's a named (additional) driver on my policy and I'm a named (additional) driver on hers. It's cheaper this way.

I think in your mate's case - he ended up the main policyholder and the daughter as a named driver without realising he should have had it the other way.

In your son's case - out of curiosity get a quote with him as the policyholder but 1 or both parents as named (additional) drivers. See how you get on.

Dibs

 

[matt]

Many years ago a broker called Ralph Alistair in London saved me a fortune by getting me on a special group policy underwritten by a Lloyds broker for young drivers. It was far too long ago for me to remember much more detail but I believe they're still around so may be worth a try.

 

[Dan-K]

try a comparison site like moneysupermarket.com

 

[Sportique]

IMHO a no-claims discount gained from a tpft policy will not necessarily be transferred to a comprehensive policy (when you change).

I would check on that.

Dave

 

[Dibs-h]

IMHO a no-claims discount gained from a tpft policy will not necessarily be transferred to a comprehensive policy (when you change).

I would check on that.

Dave

Dave

That's the 1st I've heard of such a thing. For many yrs I use to have TPFT - when the car wasn't worth much - probably the 1st 10 yrs of driving. Then when I started getting Fully Comp insurance - never had an issue.

There's even 3rd party only policies - which are potentialy worth it if the car is worth bugger all. I would expect any NCD to transfer to any subsequent policy.

The only time I've heard of nothing transferring is when you are an additional driver or on a company\fleet policy. But its common knowledge in those cases that the insured doesn't acrue any NCD.

Dibs

 

[Hitch]

The only issues i have had with transfering NCBs is from van to a car.
No trouble to go from a car policy to a van though.
Never any trouble swapping between 3rd party or fully comp.

As a first car, cheap and cheerfull is best imho. A 15 year old fiesta is perfect. It might not have elec windows, it might not have airbags.... hes a grownup now, if he drives stupidly and crashes it, its his tough luck.
Scrap the £300 car, dont bother claiming, just buy another one and drive on.
My first car was an A reg fiesta 1.1, that was 10 years ago, my insurance then was £1050 for that.

Names on policies, i think its quite frowned upon, and possibly illegal to have the policy in a name other than the main driver, 'fronting' i believe they call it. Probably an excuse not to pay out on a claim!

Get his own ploicy, and earn his own no claims, it will be cheaper in the long term.

First cars are there for the learning curve. He'll probably get more sensible quicker if he stoves in the first.

 

[Sportique]

IMHO a no-claims discount gained from a tpft policy will not necessarily be transferred to a comprehensive policy (when you change).

I would check on that.

Dave

Dave

That's the 1st I've heard of such a thing. For many yrs I use to have TPFT - when the car wasn't worth much - probably the 1st 10 yrs of driving. Then when I started getting Fully Comp insurance - never had an issue.

There's even 3rd party only policies - which are potentialy worth it if the car is worth bugger all. I would expect any NCD to transfer to any subsequent policy.

The only time I've heard of nothing transferring is when you are an additional driver or on a company\fleet policy. But its common knowledge in those cases that the insured doesn't acrue any NCD.

Dibs

Dibs - I tried to imply that it is best not to presume that a tpft noclaims is always transerrable to comp.

Some insurance companies may argue that moving from tpft to comp puts them under higher risk, therefore the tpft no-claims is not relevant - it is effectively changing the type of insurance. I believe it is worth checking

Dave

 

[Lons]

Try a 15 year old ford fiesta on third party only

Don't do this, he will have a crash, its part of been a young boy, well likely that he will, and when he does you want him hitting airbags and the car not crumpling around you. I've got some great pictures of the difference between very old cars and ones built in the last 5 years and what happened to the people inside if it will help you get a good car.


.

Chems

I'm with you on this one.

My daughter had a smash 7 years ago in her old Corsa ( fell asleep at the wheel after a long shift at the hospital - student nurse ).

She was really lucky to survive and had a number of very serious injuries (OK now and graduated with distinction this year), but it brings home forceably just how vulnerable kids are in "old bangers"

She's got one of the new fiestas now and it's a very safe car!

Just have to bite the bullet with the insurance 'cause if it's "fiddled" and there's an accident, the insurance is probably voided and there could even be a case for prosecution of driving whilst uninsured - that would stop future insurance for years!

Bob