Insurance for youngsters

A small point, - he may save himself some money if he puts Mum on his insurance as a named driver, that usually reduces premiums.

I have an ex girl friend on mine, and when I asked to remove her my premium would have been increased by about 20%.

Thanks for that. Just tried adding me as a named river and it did knock it down but only by a tenner.

£1500 will be typical. With a lot of searching you might get £1000. Obviously, moderate mileage and a huge excess (but not TP F&T). See if it would be worth having an older car; see if your existing insurance will allow him to be named as the main driver.

On 10/10/2013 16:41, Barry wrote:> My lad is 18. He is taking his theory next week. > If all goes well he will do the practical shortly. > > He's quite sensible and drives fine on L plates. > > A quick look at the insurance quotes for him are horrendous. > Typical price seems to be around £1500. > > Is there any way to bring the quotes down? I don't mind and > indeed would prefer monitoring 'boxes'. > > The car is a recent 107 which belongs to his mother who says he can > use it once he gets his license. She in turn got insurance for > £149 from a company who let her have full NCD as she has been > a named driver on my policy for years. > > Any help/advice? TIA >

I would have said that is reasonable.

A colleague of mines 18/19year old son has 1 yr no blames a 1L V reg Corsa, and pays over £2k with minimal mileage and one of them black boxes fitted. His car is garaged and he works full time!

Going back 13 years, my first cover was £1250 then £1700 (un decided claim), then £1100, then £900. That was on a Corsa Diesel.

Geez. Going back 18 years my first insurance was £350 on a 1.0 Nova, admittedly at 21 though. And a year or two before that, getting added as a named driver on my mum's Escort was £50 for the half a year left on her policy!

Hell, going back around 50 years, my first insurance was about 15 (TPF&T) on an old up-and-begging Ford Popular (and I could have got it even cheaper with Act only insurance) - mind you, a provisional driving licence cost a 10 shillings (50p) for a year, a full licence 1 or 3 years, road tax abot 9 a year, driving lessons a 1 a pop, the test also a 1 and petrol around 4 shillings (20p) a gallon! No drink-driving laws, no speed or NPR cameras, very few traffic jams, no motorways, no Mots, you could actually repair your car or change a bloody light bulb without taking it to a garage and paying a bloody fortune --- ah, Those were the days!

These days, I've got to take my car to a garage to a have side-light and headlight bulbs changed and pay an extortionate amount for it.

I remember petrol around that price or cheaper, some 58 years ago, and listening to the engine with my ear on wooden handled screwdriver and the blade on the cylinder head. I got a hell of a shock when the blade touched the plug lead, having forgotten that the screwdriver shaft passed right through the handle...

All I can do now is check fluid levels, - and change a wheel if necessary. :-(

One of my customers changed a wheel on his Fiesta recently, he is 92! and the wheel nuts were tight enough afterwards.

Pass plus and an advanced course. approx 30% off.

The statistics indicate that young inexperienced drivers are less than

5% of the driving population but are involved in 20% of accidents resulting in death or serious injury. When a serious injury claim can run into £millions it's no wonder why the premiums are so high.

I could do that by holding up a Fiesta at the corner. ;-)

Ooops

I forgot to add that the prices I quoted above were including a pss-plus discount. I remember being somewhat skeptical about the discount though...

I also remember using a local broker as they were cheaper than the onliners... But online insurance was pretty much in its infancy.