Young Driver Insurance Recommendations Please

[Captain Colonial]

Lol Captain, this looks like a very touchy subject

Not at all, my friend. - it's simply a subject on which no discussion will be entertained in my household. Lady C fully endorses "The Wench" and indeed named her, saying a man of certain age either gets a four-wheeled lady or a two-legged mistress, and she was happy for me to have my four-wheeled lady because she can enjoy it with me and it keeps me out of (most) trouble. Wise and wonderful woman is Lady C, very lucky to have her, 25 year anniversary in July.

[steve bain]

elephant was good for me too.

biggest saving is putting family on it as named drivers.

get money back through quidco as well

http://www.moneysavingexpert.com/insurance/car-insurance-young-drivers

[Mid life crisis]

Jamie my lad started driving last year,he was 17 at the time. Fully comp in his own name on a brand new Fiat Punto Evo 1.4 with LV was £2800 last year and down to1900 for this years renewal. We looked at older cars but the insurance was just stupid, so went for new.

[s2rrr]

We can almot foresee the future on this one :p . I suspect you may bequeath the wench to him when you go to the big kit car world in the sky or are you going down the viking ship route and being dispatched in her like all good warriors.. I still think you will relent and give him a shot in her. Never ever say never, things have a way of biting you in the bum don't they. He may be 40 though when that does happen but its still not never.

The insurance premium aka rip off steal whatever seems about average these days. As mentioned it will go up when he passes his test and maybe you can get one of those GPS monitoring jobbies which some insurers are using to record who when and whatever was driving may bring the cost down but its still a rip off, sort of. Statistics tell us that a large percentage of young males will have a big claim in their early years. Sad but true if you believe them.

Bob

[Captain Colonial]

LOL, definitely the Viking ship route for me!

He did get a quote from one insurer where you can have slightly reduced premiums if they fit a black box to the car, but he couldn't go out after 11 PM - fat chance he'd go for that option, plays cricket in a league and travels a lot.

Called A-Plan, gave them the details, they're sending him a quote.

[MrG]

If he's still learning, then Collingwood do a learner driver only policy (but can add other named drivers too) at a very reasonable price (£40-£50) a month.

This becomes invalid the day they pass their test, and they then need to look elsewhere. When my daughter passed her test we moved our cars to an Admiral multi-car policy and that reduce her quote significantly (and multi-car quotes don't come up on the price comparison web-sites).

[Young Pretender]

biggest saving is putting family on it as named drivers.

This is very true.

Captain, if they haven't already done so get mum as a named driver on his policy. You'd be surprised but should reduce the premium by a sizeable chunk

[s2rrr]

Just for info, learned last night that the black box records every driver and does not differentiate between them. It is possible for lad to be sticking to the speeds but dad blows it for him and blots his copybook. Not my idea of monitoring a young individuals driving, Until they can separate the drivers it could prove useless, or dad slows down of course. Fancy being b*ll*cked by the lad for your driving skills. Not sure whether dad can accept the punishment but suspect the insurance company could penalise, cos they can.

Will investigate further when my lad decides he wants to drive, so far not interested due to cost and good public transport and of course dads taxis.

Bob

[Young Pretender]

..and good public transport

What is this you speak of

[Captain Colonial]

Thanks for all your input so far, which I have passed on to them, much appreciated!

[s2rrr]

We have a Metro system and those big boxy things, I think they are called buses, went on one once when my car was being serviced . Seriously in South Manchester my lad gets about with no problems, he's at that all night partying, studying for A levels, never in or 12hours sleeping, just pops out into town stage. Manages ok and when he can't get public transport he does that "walking" stuff or gets a taxi ( not often) which encourages better journey planning.

Most are ok apart from Friday/Saturday nights when you get the drunks/druggies etc so keep clear.

Bob

[rocket_rabbit]

Next door neighbour's Grandson is paying £3500 on a 1.1 rover 100.

I remember when I was 18 I was paying £750 on a Mk4 escort 1.3 (probably the slowest car in the world) and that was 14 years ago.

Insurance is daft, but then we have the safest roads in Europe with the least accidents.

Yet we have had four times as many personal injury claims.

Expect it to only get worse.

[robo1968]

iKube is possibly worth looking into - they are (supposedly) aimed at young drivers and use those black box GPS things to see they are behaving themselves and not driving at night (when most young people have their accidents). Probably best though for 17 year old's with their own car as box doesn't differentiate between drivers - or at least anyone else who drives it would need to 'behave'!

http://www.ikubeinsurance.com/About-iKube/About-the-iKube-box/

Also consider getting them to do a 'pass plus' course with their driving instructor (especially useful for getting them motorway training plus other useful stuff). Some insurance companies recognise their effort to take this further training as a step in the right direction and might give a discount - sometimes as much as 30% (or at least it used to be - may not get that now though). Same goes for doing an advanced road course and test like IAM or RoSPA although there are even less insurance companies that offer discounts on those.