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So,getting absolutely ridiculous quotes for the boy to insure his Ka next/later this year. I've bluffed his d.o.b so he's 17 and tried some popular price comparison websites and the Ka comes in at £3600,about twice it's value!!! Best I've had so far is £2800 on a mk1 fiesta 950cc!!! I've tried new as well,obscure stuff like grandad rovers etc but some stuffs just bonkers I.e £4100 for a pug d turbo or £10000 for a vento td??? Anyway the final straws just come from quoting on a 1.0l polo and getting this result. I'm not naive and I'm expecting/willing to pay around 2k but honestly £3000 for a 1.0l nova? SO. 1.what are you 17 yr olds paying as an average on insurance?I know thats a VERY general question but I'll buy the car to suit insurance,good companies etc. 2. I've tried this "put an older driver" stuff on etc to no avail,should I make the older driver the main or otherwise? 3.I know price comparison websites aren't the most accurate so some good direct ones would be great. 4.A lad I work with had a tracking device fitted to his car and told me this greatly dropped his premium,anyone know what companies offer this? 5.does it come down SIGNIFICANTLY when you turn 18/get a years experience under your belt?if so I may insure the cheapest possible motor for a year and leave it locked up in the garage/drive it myself and build a years ncb that way. Thanks for the anticipated replies and of course as a thankyou here's some cars he'll never get insured on,unless of course if he lived in the country I took the photos in cos there is no insurance!!!!
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IME, pass plus isn't worth doing for the sake of insurance. That's not to say it's not worth doing at all.
Have a look at the Yaris, just been helping my girlfriend get her first car and that was the cheapest to insure. It was significantly cheaper than a Ka. Admittedly she is female and 22, not male and 17.
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I've got Rovers.
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I'm 20 now and on my mk1 astra estate i pay £890 fully comp but when i was 17 i was paying £1500 with my dad on it as a driver but the best one is pandas when i was 18 i was paying £600 fully comp anyways ive found it can depend on where you live and your area. a few of my friends have found that adrian flux is cheaper with 4x4's hope you sort it
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1979 mk5 ford cortina 2.0 pinto 1989 fiat panda-van lowist panda =p
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my friends first car was a mini coz it was the cheapest thing to insure but he was 19 at the time
when i was 17 my car was put into my dads name and i was a named driver on it and that was a mk1 escort but they are clamping down on people doing that now
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Ryannn
Posted a lot
Posts: 2,421
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My gf is about to move from her corsa to a mini as it's cheaper to insure, even though the engine is bigger! A guy across the road has just bought a tax exempt Morris minor because footman James have quoted his 17yr old son £500 to insure it!
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Cheers all. Yeah,I could put him on my trade policy for about the same money(£2000) and he can then drive anything up to 1.6 iirc but he won't be building up no claims and will get stung badly in the future.
There must be SOME 17yr olds on here paying insurance?
I can't see him in a panda but I've been told a Citroën c1 is cheap?(but shameful).
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Think of what car he'd least like to be seen in, that'll probably be cheapest to insure! Daewoo Matiz for instance.
There's no way round the fact it costs a fortune for young drivers.
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I've got Rovers.
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Definitely try him with a Panda, even if he just uses it to build up one years NCB.
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1993 Fiat Panda Selecta 2003 Vauxhall Combo 1.7DI van 2006 Mercedes Kompressor Evolution-S AMG SportCoupé
"You think you hate it now, wait til you drive it"
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Try some bigger cars that new driver's wouldn't usually go for - Focus, Mondeo, things like that. Comparison sites aren't the best place sometimes either, you need to talk to them directly. You should be able to get it down to under £2,000 with some work. It'll never be dirt cheap though, unfortunately. Don't forget to go fully comprehensive as well, it usually works out a lot less expensive. The tracking system policies can actually prove considerably more expensive and there are lots of potential catches with them so I'd avoid. Depends on the person in question mind but after all, it logs your speeds and braking efforts. Insurance doesn't get magically cheaper at 18/21/25 either, unfortunately. It's the no-claims bonus and history that's important. One consolation is that if you find the first year very expensive, once he gets that first year's NCB it should drop dramatically. For example, I paid £1,800 for my Triumph Dolomite through Norwich Union when I started driving. That was about the same as friends with Corsas and Fiestas. Come the 2nd year, however, the renewal was only £550. My friends' policies only dropped to around £1,000-£2,000. So, averaged over the two years it was a relatively reasonable £1,175. Times have changed, though, but it's worth bearing in mind. Here's another good insurance comparison website which may help find some insurers that are worth at least speaking to: www.parkers.co.uk/cars/Shop/insurance/
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Last Edit: May 6, 2012 12:28:38 GMT by Lewis
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my friend got insurance on a 850 cc (somethin like that) moggie for just over a grand. but be careful, the likes of co op young drivers insurence don't insure old cars. the cheapest i've been quoted is 2600 for my opel kadett 1196
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'72 Opel kadett coupe
'77 Opel kadett city sr
'92 Peugeot 309 Gti Goodwood
'93 Peugeot 205 GL auto
'88 Citroen BX 16v(Breaking)
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fogey
Posted a lot
Posts: 1,614
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Whatever you do, don't do this:
Peter Harrison, car insurance expert at MoneySupermarket, said: "Ignorance may be bliss to motorists who think "fronting" is a legitimate way to reduce the cost of motoring for their family and stay on the right side of the law, but in reality it's quite the opposite. "Fronting" on a car insurance policy is illegal and it is worrying how many motorists are willing to take this risk." Repercussions "Despite the obvious attraction of cutting costs on your car insurance policy, there will be serious repercussions if you are caught falsely claiming to be the main driver of the vehicle," says Harrison.
In the best case scenario you will be charged the correct premium as a lump sum. However, there are many more serious options. For a start the policy could be cancelled. You would then have to declare this every time you apply for insurance in future, which means many won't offer you any cover and your costs will rise.
Insurers can also refuse to pay-out for any claims, or can settle a third-party claim and recover the cost from the parent.
In the worst case, Harrison says: "It would be classified as fraud by an insurer, and could invalidate the policy. It could also result in the younger driver ending up in court being charged with driving without any insurance." This could lead to high fines and six penalty points (an automatic ban for new drivers).
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Last Edit: May 6, 2012 13:07:56 GMT by fogey
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Is there much difference if he is 18? If it saves say hundreds, it might be worth finding a distraction for a year
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Hey thanks again guys,I've noticed most of these threads get binned but honestly I really needed the replies and help thanks.a lad over on passionford reckons his 1.1 fiesta mk1 is costing him £1800 tpft which sounds good from Paul@needtoinsure.
£500 for a moggie on footman James eh? That could be interesting,insure it for a year to get him some experience etc,although if that's a classic policy does that mean he can't build ncb? I'm not too bothered if he has a classic for a year or two without ncb build up,he can learn a bit then!!!!
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As for fronting I tried it out of interest and it made little or no real difference tbh.
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i am 17 next month and dreading car insurance but looking through the comparison sites classic cars seem to be quite abit cheaper on insurance
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col
Part of things
wut
Posts: 190
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as a 17 year old i was a named driver on my dads polocy. i was with a company called coverbox, where they fit a tracker and monitor your miles (i was limited to 6k and limited night driving). that cost around £1600. there are similar companies around, but i'd only recomend them as a last resort, no-one likes their privacy being compromised like that.
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When I was 17 I was insured for 1200 TPFT on a 1ltr Polo through Endsleigh who had themselves down as a student insurer might be worth speaking to them? Insurance has been crazy the last few years though Cheapest car i had to insure was a 93 Eunos roadster at 450 quid fully comp at 22, when i changed to a 1 ltr micra it went UP to 550 and if i want to re-insure my 97 mini cooper with the same mods as before (was 550 fully comp agreed mileage etc) it was 700 or something daft even though I have only gained experience and have no points accidents etc
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chevazon
Posted a lot
1939 Chevrolet 2 door coupe, `67 `Zon estate, `87 Ragtop Cavalier, 4 x 800 Drifters,(!) 1500 Drifter
Posts: 2,259
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My daughter who is 17 has a 57 plate Fiesta and pays £1400 through Diamond who seem to be the best for young drivers. Stick a couple of older drivers on a policy brings it down a bit.
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i paid 2200 for a 1.0 6n2 polo when i was 17, but it was fully comp as it was only another 100 and i could also drive any other car that was insured (with permission of course ) I'm 18 now and my renewal quote was 1600, could have probs got it for less if i shopped around but I'm at uni now so sold the car and got a new mountain bike there is no cheap was around insurance for young males what i did find out though was that i sometimes dosnt cost much more to insure something with far more power eg a 2.0 mondeo would have been another 250
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