Car for teenage son, advice please

[John Loudon - Sponsorship Liaison]

I would investigate something semi classic like an old shape mini on a limited mileage classic car policy

[Leftfield]

Thanks for the help guys.

Honda jazz, vitara 4-5k per annum

Citroen c2 , vw lupo, corsa,Peugeot 107 2-2.2k.

Curious as to why it's more expensive with my wife as a named driver, cheaper for him on his own.

I'll look at the black box route , any idea who does these?

[pete g]

they must of made mistake with your wife on policy it normally drops it by quite a lot put yourself on too.

[Leftfield]

That's what I thought too, compare the market add £200 each for my wife and myself,don't understand that.

Work vans and my wife's car are all done through fleet insurance with a broker, trackers fitted on all of these so I'll try the broker and Aplan.

My first employer paid for my lessons, test and supplied vans and then cars for the first ten years I was driving, quite frightening when you see the sums involved, I've had cheaper mortgages or maybe this is middle age arriving(back when I were a lad...............)

[Nick Algar - Competition Secretary]

Sounds like it's got much tougher these days.

 

It will be interesting to see what you manage to sort out, but the loopholes   look to be getting closed.

[fatbaldbloke]

I would definitely advise against going for a parent owned car with the offspring as a named driver.  The insurance companies are getting very wise to this and it's not worth the risk of being uninsured due to falsified details.

[Greenstreak-Andy D]

I did hear, not sure how true it is, but a new shape mini is cheaper than a corsa as it can only take a driver and 3 passengers, where a corsa 4 passengers.

Just keeping risks low.

I have same problem, my lad has bought a corsa form his grandad, dread the insurance issue!

[echoz]

fraid thats just how expensive it is now my 1st car was a 306 d turbo, that was 1500 a year! why such an expensive car for a first car?! ive had 4 cars in 3 years, 500 on a 306, 375 on a micra, 350 on a zx and 800 on an escort estate, all but teh last one were solid motors taht lasted a years driving with no worries, when tehy went wrong just replace them work hard for my little bangers and look after them because of this, never understood why people by their kids their first car  

[pete g]

the reason they are normally cheaper with the parents on the insurance is because when learning you need an adult with you .and  i think they believe having the parent on it you will keep a eye on them. once they pass their test the insurance will go up even more.because they know they will be driving alone.

[echoz]

the reason they are normally cheaper with the parents on the insurance is because when learning you need an adult with you .and  i think they believe having the parent on it you will keep a eye on them. once they pass their test the insurance will go up even more.because they know they will be driving alone.

 

This! 

[SootySport]

All car insurances are high for young lads, you'll be lucky to crack  the £1500 per year premium.   Postcode is also taken into consideration. As others say, don't understand why more for you and your son.

[Mid life crisis]

Try getting a quote for a brand new car. I was supprised to find that the cost of insuring a brand new Fiat Punto Evo 1.4 was less than an eight year old Corsa 1.2 for my 17 year old on a provisioanal. The other advantage was he was racking up no claims bonus while on L plates. When he passed his test the premium fell on renewal.

 

This was in 2010 though

[Dommo]

I don't think I ever got 'stung' so much as the current crop of new drivers. The most I paid was at 18, £1300 to insure a brand new MINI Cooper with 0 no claims. Maybe there's something in a brand new car as Mid life crisis suggests? Or maybe it's because they were only just released and so no kiddies had crashed one yet!

 

If brand new isn't the answer (and an expensive way to save money anyway), it's surely worth investigating the unusual stuff. I'd say something like a Defender truck cab, but sods law they've probably gotten wise to all that...

[bigals]

try going the classic route, a fellow westfield owner had the same issue and ended up getting a classic for his son to drive and insure, think that a big sweedish tank will be just as safe as a small tin box, fuel might be a bit pricey, look at saloons as they are always cheeper in the first place. try a volvo 480 , 440, 340 , might not be popular, but if i remember costs were 2400 for a corsa/clio down to 800 fully comp on the classic, i would only personaly go for a old but solid tank rather than a classic mini or tin box, just my thoughts .

what ever you do make sure you are 100% straight with the insurance comps, chap next door had his son as a named driver on a escort van and when his son was rear ended the insurance called his son and asked if he drove it every day to work and he said yes, next thing the insurance company were trying to claim from them for fraud.

[SootySport]

For Classic Car  insurance you would need to be over 21 and have a 2nd. car to get the really cheap policies on limited mileage.