bowood14
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| posted on 9/8/11 at 11:32 AM |
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Young drivers insurance what car is best
Just looking for car insurance for my 20 year old son getting some stupid quotes £2000 on a Picasso HDI does anyone know what car is cheapest to
insure? is it worth buying say an old Nova 1.2 does that get discounts or is it the same as say a corsa 1.2. I wondered if the Nova fell in a classic
car type policy Any help please.
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bartonp
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| posted on 9/8/11 at 11:40 AM |
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Morris 1000! 
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bowood14
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| posted on 9/8/11 at 11:47 AM |
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Thanks but needs to have some street cred
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the engine shop
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| posted on 9/8/11 at 12:02 PM |
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http://www.onlyyoungdrivers.co.uk/car_insurance_groups_for_young_drivers/cars_in_insurance_group_3
Group 3 is where any kind of street cred starts
hope this link helps
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greed1
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| posted on 9/8/11 at 12:21 PM |
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£2000 sounds very steep
I paid 700 full comp for a Audi a3 1.8t that was with adermeral
Drive it stright sideways
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skippad
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| posted on 9/8/11 at 12:26 PM |
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£2000 is about right
My 18yr old quoted over £4000 for a Peugeot 107!
Its frightening, its getting to the point were no teenagers will be driving!
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speedyxjs
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| posted on 9/8/11 at 01:08 PM |
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quote:
Originally posted by skippad
£2000 is about right
My 18yr old quoted over £4000 for a Peugeot 107!
Its frightening, its getting to the point were no teenagers will be driving!
unfortunately, i think that is the idea! Have you tried putting another, older driver on the policy, preferably a woman. Drops my insurance but £150
per year, and the missus wont even drive my car!
How long can i resist the temptation to drop a V8 in?
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trextr7monkey
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| posted on 9/8/11 at 01:26 PM |
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my lad, 19 (not his real name obviously!) has an '03 Fiat Seicento which is the next one on from the Inbetweeners car it is 1100 cc and is
costing £1600 with me and wife as named drivers and the car garaged at night, that is with Admiral.
Insurance being what it is if the car is damaged we will write it off/ scrap/ break it in order to keep his insurance somewhere half sane.
Only issues with it are the wipers are eyetie sh1te ( but nmade in Poland!), the fire engine is aptly named as it runs hot and there is no standard
temp gauge - thinking of fitting an in hose sensor from SVC or similar to keepan eye on it, other than that is frugal but quite fun motoring. We have
undersealed the underneath and painted anytjing metal which is exposed, I have seen Fiats before.
I fhe is not inspired have a look on You tube there are some very fast modified examples about
We did investigate Quantums and very nearly bought one - based on Fiesta mostly XR2 with a club bulk insurance scheme getting very low rates but they
are a bit flash for a teenager and even though we live in the sticks he felt that the car might get unwanted attention if left in town at night.
Also investigated the curfew GPS box which came out at £30 les than Admiral and if you ever drove between something like midnight and 5 am you had
topay them £100 a pop- no allowance for an airport run or delay after a breakdown- no incentive whatsoever a bag of rubbish in fact
hth
Mike
As light at the end of the tunnel daughter aged 23 has just re insured her Jimny after 4 years driving and including £100 worth of breakdown stuff,
fully comp, is less than £400 pa and that's group 7 so there is a system, just very expensive to get going.
[Edited on 9/8/11 by trextr7monkey]
http://www.flickr.com/photos/14016102@N00/ (cut and paste this dodgey link)
Our most recent pics are here:
http://s129.photobucket.com/albums/p211/trextr7monkey/
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Miks15
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| posted on 9/8/11 at 02:28 PM |
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motorbike?
I cant really afford to insure a car (well i could but it would wipe out well over a grand a year) but i just renewed at £440 on a 600cc bike 
Much funner if a little less practical, plus i can get 50MPG fairly easily from it.
ETA im only 19
[Edited on 9/8/11 by Miks15]
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Humbug
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| posted on 9/8/11 at 02:59 PM |
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quote:
Originally posted by skippad
£2000 is about right
My 18yr old quoted over £4000 for a Peugeot 107!
Its frightening, its getting to the point were no teenagers will be driving!
...not with insurance, anyway...
Shop around, shop around and shop around again. All the obvious points: smaller engined/cheaper/older car. Assuming that he will be the
owner/registered keeper, get someone else on there, possibly more than one other - I thought might be cheaper to have only one parent on there, but it
was actually cheaper to have both on. Boys are more expensive to insure than girls - my daughter's now got 2 years' NCB through
Admiral's accelerated scheme (1 year NCB in only 10 months). She's now 19 and I have signed up for a multi-car policy which brought down
the insurance cost for her S-reg 1.1 Saxo to £400 ish. The bonus for my son is that now he is over 21, I was able to add him to her policy for the
remaining 6 months of the policy (he's been away studying) for only £30!
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PSpirine
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| posted on 9/8/11 at 03:31 PM |
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Some insurers will give a half-good classic car policy quote even to new drivers.
Depends what you mean by street cred as to whether a classic car will satisfy it, and how much built in safety/convenience you need in a vehicle.
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mrwibble
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| posted on 9/8/11 at 03:58 PM |
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mk5 fiesta, pug 106, renault clio, polo?
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Ninehigh
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| posted on 9/8/11 at 04:52 PM |
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There was mention on one of these threads that some of the reason they charge stupid amounts is because of the record of new drivers on those
vehicles. Iirc the person suggested a 1.6 fiesta as opposed to a 1.2
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skippad
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| posted on 9/8/11 at 05:03 PM |
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quote:
Originally posted by Humbug
quote:
Originally posted by skippad
£2000 is about right
My 18yr old quoted over £4000 for a Peugeot 107!
Its frightening, its getting to the point were no teenagers will be driving!
...not with insurance, anyway...
Shop around, shop around and shop around again. All the obvious points: smaller engined/cheaper/older car. Assuming that he will be the
owner/registered keeper, get someone else on there, possibly more than one other - I thought might be cheaper to have only one parent on there, but it
was actually cheaper to have both on. Boys are more expensive to insure than girls - my daughter's now got 2 years' NCB through
Admiral's accelerated scheme (1 year NCB in only 10 months). She's now 19 and I have signed up for a multi-car policy which brought down
the insurance cost for her S-reg 1.1 Saxo to £400 ish. The bonus for my son is that now he is over 21, I was able to add him to her policy for the
remaining 6 months of the policy (he's been away studying) for only £30!
Thats a quote on my wifes car (full no claims, been driving over 25yrs) on a 107, 3cyl 995cc, couldnt pull a skin off rice pudding...we did eventually
get him on for £1300 at the local Swinton office in town....a special offer apparantly...
Still a stupid price, but gets him on the treadmill....
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bowood14
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| posted on 9/8/11 at 06:59 PM |
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Ok found Admiral cheapest picasso hdi £835 with his 22 year old sister as 2nd driver, dont think that is too bad played around a bit Nova £682 Clio
1.4£789 205 Gti £1457 Saxo 1.6 VTR £790 so worth shoppig around with different cars and drivers
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eddie99
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| posted on 9/8/11 at 08:10 PM |
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Shop around, Admiral and the sister companies are 1600 fully comp on an 1999 audi s3 with me (19) main driver and mum and elder brother as named
drivers.
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NOTE:This user is registered as a LocostBuilders trader and may offer commercial services to other users
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morcus
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| posted on 10/8/11 at 02:38 AM |
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£2000 seems the region a 20 y/o first car situation.
Insurance calculations seem to be based on some sort of esoteric manner that can't be understood by mere mortals. I'm considering swapping
my car and the quotes I've been getting don't seem related to anything. I'm 24 with a couple years driving with no claims or
anything and admiral always come up cheapest on older cars and I get a quote from the high 800 to the mid 1200's for pretty much everything,
whilst all the other companies quotes are mad. Deffinitly put someone else on the policy, my mum lives the other side of the country and has never
driven my car (And she only drove my last car once) yet has been on my policies.
The cheapest quote I've seen recently was for a 1.6 205 auto 3 door which came in at about £500 and I've not had seen anything else quote
wise within £200 pounds (Though I've mostly been looking at smaller cars).
If you have the time go on a comparison site and just imput loads of cars. Don't make any assumptions based on insurance groups, engine size or
power.
In a White Room, With Black Curtains, By the Station.
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Ninehigh
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| posted on 10/8/11 at 03:41 AM |
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quote:
Originally posted by morcus
Insurance calculations seem to be based on some sort of esoteric manner that can't be understood by mere mortals.
Here's how it's done:
Press the button on the random number generator.
Male? Add more
Under 30? Add more
Under 25? Add more still
What's your job? High paid jobs pay less (changing my job from security to medical doctor took off £50)
Claims? Convictions?
Ok now the car...
Powerful model? Add more
New? Add more, and if it's old add it anyway because you won't care if you crash it.
Lots of security on it? Damn we're going to have to take some off...
Now add the modifier on how stealable/rare it is.
Now take off any no-claims bonus, and a bit more as an introductory bonus.
There you go.
It's got to be a rng, because when I look for quotes I get anything from about £500 to £5000 (seriously some people quote me 5 grand for a 6
year old mondeo)
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bowood14
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| posted on 10/8/11 at 06:55 PM |
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Have just spent half hour on the phone but worth it ADMIRAL multi car insurance saved a fortune Picasso 20 year old £835 to £556 my other 21 year old
son Xsara Hdi reduced from £950 to £479 my car Astra Sxi Dti down from £351 to £178
Wifes PAssat Tdi £351 to £272
Made up with that worth spending time on the phone nice welsh chap as well!!!
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Kwik
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| posted on 10/8/11 at 07:16 PM |
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classic mini
can get a decentish one for £1200
insurance for me at 18 in a bad insurance area with no garage, £640
best bit is the car will hold its value and you learn about maintaining a car for very little money...
im on footman james classic car policy, on the site it says over 25 only but give them a ring
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James
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| posted on 12/8/11 at 02:25 PM |
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For the same reasons that will give a car 'street cred' to a teenager will practically garantee it gets high insurance I'd have
thought.
When I think of all the twonks round here in their hairdryer-engined saxos... paying £2500 insurance it beggars belief!
Find a 900cc Fiat Marbella or something (what my ex-boss had after a drink-drive conviction!) and see if that's any better for insurance.
For purely selfish reasons I'm not entirely sure I care if insurance is so much for young people that they can't drive... the roads are
packed as it is and the longer it takes people to get on the road, the emptier they stay!
Cheers,
James
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"The fight is won or lost far away from witnesses, behind the lines, in the gym and out there on the road, long before I dance under those lights."
- Muhammad Ali
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David Jenkins
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| posted on 12/8/11 at 02:32 PM |
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I would imagine that a Daewoo Matiz would be quite a low group for a young driver - not noted for power, but will take 4 people with reasonable
comfort. Easily get a cheap but good one for under £1,000.
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