Messenjah
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| posted on 15/10/05 at 09:32 PM |
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insurance for a 17 year old
Hi guys i know its been covered before but i want to ask again 
who do i need to speak to on monday about insurance
ill need third party fire and theft for a 17 year old and will need to add on another 17 year old (me) as a second driver in january ....
im hoping someone can point me in the direction of a company that will do it for £2k or less
and if its gonna be cheaper i could have my dad who is 41 and has like 20 years ncb and a clean licence now (did have like 2 points once for
speeding) as a driver and me and my m8 who will be sharing ownership of the car as second drivers ....
anyone got any ideas about what companies i could ring
ive tried
Adrian flux (no one under 21)
sureterm direct (no one under 23)
someone claiming to bea kit car specialst in the mag ive got who quoted 2900 for just one 17 year old driver ...
everyone else was closed because i tried after 12
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indykid
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| posted on 15/10/05 at 09:36 PM |
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footman james.
they're the only one til you're 21.
out of interest, who were the 'specialists' from the mag?
tom
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Messenjah
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| posted on 15/10/05 at 09:37 PM |
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i dunno i cant remembver which one it was it was a white add with a black border and kit car specialists written in black lol
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kevano
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| posted on 15/10/05 at 10:49 PM |
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try link insurance aka osbourne and sons.
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Fozzie
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| posted on 15/10/05 at 10:51 PM |
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Apart from your dad, who has a full licence? That would have a major bearing on the matter!
Fozzie
'Racing is Life!...anything before or after is just waiting'....Steve McQueen
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indykid
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| posted on 15/10/05 at 10:52 PM |
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quote:
Originally posted by kevano
try link insurance aka osbourne and sons.
no dice, they wanted me to be 21
to save you the calls;
hall+clarke
sureterm
osbourne and sons
graham sykes
adrian flux
call connect, all wanted me to be 21, bofore they'd even entertain quoting me
sorry
tom
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steve_gus
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| posted on 15/10/05 at 11:18 PM |
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not kit cars, but as a guide, getting insurance for my 17 y/o son on a 1.0L saxo cost 1300 quid from tesco (dont do kits!) - some companies actually
put up the cost if a 17 year old passed the test!
going on your dads insurance may not help. in the case of my son, the quote for him on his own was 1600 quid, for my wife on the same car was 300 quid
- stick matt on my wifes quote and you got 1300 quid. Its the young driver that really screws it.
If I was your dad, there is no way i would consider putting you and your mate on a policy in his name. if you claim, it is likely to trash no claims
on all his policies and will go on his claims record. Ive been a young driver, and i wouldnt have wanted to insure me!
atb
steve
[Edited on 15/10/05 by steve_gus]
http://www.locostbuilder.co.uk
Just knock off the 's'!
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Oliver Jetson
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| posted on 16/10/05 at 12:19 AM |
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Again not kitcars, but a useful tip:
Take out the insurance in your own name and put your mum as a named driver under you. This usually knocks off quite a bit (upto 300 quid off in the
past for me), plus it means its your policy and you get the ncb (providin you don't have a claim!).
You may be better off settin your sights lower until you get older with some ncb's. I'm 21 with 1 years ncb and have only just been able
to start lookin at gettin a more performance orientated car just for insurance reasons bein too high in previous years.
At 20 years old my group 3 insurance Clio 1.4S was £700 fully comp, now with 1 years ncb at 21 the renewal is about £550.
Some of the performance car quotes I've had are:
Nissan 200sx turbo S14 with some mods - £900
Peugeot 205 with an Mi16v engine (god i want one!) - £1100
Nissan Skyline GTR33 (just thought I'd see what the price was!) - £2600 - not too bad that I thought but still an amount I wouldn't pay
for insurance.
If you do find a company that will insure you, are you really willing to pay £2000?! You must be hideously rich if you are
I know it's frustrating, coz I've been there mate (and as I've said I'm only just getting to the point where fast cars are a
possibilty), but wait till you 21 and get a turbo hayabusa powered kitcar, nail every road car in existance and scare old people and small children
for only probably £500 quid insurance (this is what I'd do now if I could afford the car!)
Cheers,
Oli
[Edited on 16/10/05 by Oliver Jetson]
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Messenjah
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| posted on 16/10/05 at 07:14 AM |
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quotes ive got for just me make it look aboutthe same as a 1.1 fiesta to insure...
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ned
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| posted on 16/10/05 at 07:48 AM |
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Messenjah,
Good chat last night, but I was thinking about this and are you sure that a locost is really the best choice for a first car?
No offence but i had enough trouble with my triumph toledo when i first passed my test!
I'm just concerned that given the time of year and the road conditions, when you do turn 17 and pass your test the car won't last very
long, especially as you have a 17yr old mate who will be driving it too.
This is not a dig at you personally but when I was your age I had my fair share of incidents and I think its fair to say that most young drivers do,
hence the statistics and high insurance costs are there for a reason.
I'm still happy to go and look at the car with you, again nothing personal but knowing what effort is put into these cars it'd be a shame
if the worst did happen..
Ned.
beware, I've got yellow skin
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Messenjah
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| posted on 16/10/05 at 10:58 AM |
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"If you do find a company that will insure you, are you really willing to pay £2000?! You must be hideously rich if you are "
NO by myself i wouldnt pay £2000 but there are 2 of us and we would be splitting it 50/50 and that would make it £1000 each which i would pay and so
would he ....
see it makes sense
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Syd Bridge
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| posted on 16/10/05 at 04:43 PM |
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Footman James were the only company who would quote us for my son. £1008 for a 1300cc. £850 for < 1000cc.
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Tricky Dave
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| posted on 16/10/05 at 04:52 PM |
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Hi
I'm 25 and found that the best by miles was greenlight insurance - they're about on the web somewhere.
My Seat Leon Cupra 1.8 Turbo costs me about £1800 with Elephant.co.uk; my Viento costs me £260 with a 5000 mile limit! I know which one I'm more
likely to crash and it ain't the one with airbags 
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Oliver Jetson
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| posted on 16/10/05 at 05:36 PM |
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Dave,
That's a lot of money for ur Cupra insurance! Elephant quoted me £900 for a Nissan 200sx turbo with mods upto 220bhp, and I'm 21!
Oli
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indykid
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| posted on 16/10/05 at 08:27 PM |
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quote:
Originally posted by Messenjah
"If you do find a company that will insure you, are you really willing to pay £2000?! You must be hideously rich if you are "
NO by myself i wouldnt pay £2000 but there are 2 of us and we would be splitting it 50/50 and that would make it £1000 each which i would pay and so
would he ....
see it makes sense
it's also worth considering they won't let you pay by direct debit in istallments.
£830 in a lump sum was a real kick in the jewels, especially when you consider there's £150 for an sva test, £30 for a retest invariably, £38
first registration fee, and £160 for tax, £15 for plates, all within the space of a fortnight! at no point in all the quotes and stuff i was given,
was i told it was a single payment, and is the reason i only have 6 months tax
just think long and hard, then hopefully get on with it
tom
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shortie
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| posted on 16/10/05 at 09:36 PM |
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Messenjah, just wondering, have you actully passed your driving test yet??
Rich.
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Fozzie
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| posted on 16/10/05 at 09:47 PM |
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I doubt it Shortie!
Andrew+dad, sorry Messenjah, is only 16, he can't even get his provisional quite yet......
Fozzie
'Racing is Life!...anything before or after is just waiting'....Steve McQueen
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greggors84
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| posted on 16/10/05 at 11:08 PM |
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I got my provisional as soon as i was 16, i had to for work so i could drive the tractor! (Not on the road, but was company insurance that needed
driver to have provisional)
I went with Adrian flux in the end, i'm 21, but i'm pretty sure them, Footman James and Graham Sykes would insure me before i was 21. But
things may have changed now.
[Edited on 16/10/05 by greggors84]
Chris
The Magnificent 7!
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indykid
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| posted on 16/10/05 at 11:30 PM |
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they were the ones that quoted me this time last year, but as i've said in many other threads, footman james were the only ones that'd
even quote me in june
tom
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steve_gus
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| posted on 17/10/05 at 06:59 PM |
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Ned, I totally agree with you. Any new driver needs to build up experience, and a 17 year old in a high performance car like a locost is just gonna be
a statistic.
There has been any number of older drivers on here thats spun their car into the armco acellerating out of a roundabout.
I would nail my kid to his bedroom wall before i let him have a locost
atb
steve
quote:
Originally posted by ned
Messenjah,
Good chat last night, but I was thinking about this and are you sure that a locost is really the best choice for a first car?
No offence but i had enough trouble with my triumph toledo when i first passed my test!
I'm just concerned that given the time of year and the road conditions, when you do turn 17 and pass your test the car won't last very
long, especially as you have a 17yr old mate who will be driving it too.
This is not a dig at you personally but when I was your age I had my fair share of incidents and I think its fair to say that most young drivers do,
hence the statistics and high insurance costs are there for a reason.
I'm still happy to go and look at the car with you, again nothing personal but knowing what effort is put into these cars it'd be a shame
if the worst did happen..
Ned.
[Edited on 17/10/05 by steve_gus]
http://www.locostbuilder.co.uk
Just knock off the 's'!
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JoelP
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| posted on 17/10/05 at 07:58 PM |
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id have to agree too. My car really does bring out the loonatic in me, normally i drive 'promtly' but largely within the realistic
speedlimits. The locost gets driven flat out constantly, and i usually walk back into the house shaking  combine this with a lack of experience, and
its a guaranteed national news pile up 
If you do do it, why not try to get weekly insuance? You might save on 51 weeks premiums
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