Hello everybody--any recommendations for a sensible car insurance quote for a young driver? A few details--its for my grandaughter ,aged 18 years and has been driving her own car for 10 months. The time has come to part company with her 1st car and a replacement is waiting for her-nothing exciting-just an astra 1.6 diesel. I have tried all the usual search engines but am getting quotes starting at £440 per month(£5000+ per year).Happy to have a black box fitted for now. This is fully comp insurance. Has anybody had a good experience in a similiar situation they can share? Thanks.
sounds par for the course nowadays, ive been driving over 40 years and my current one which we have owned now for 20 years and paying £250ish per year suddenly jumped to £850 for this year! and thats with full no claims too
She should try it with another named driver, my daughter used to have me as a named driver to get the premiums lower.
Roll on a few year and she's a named driver on mine so I can get it cheaper.
A lot depends on the address, and even more depends on the car. I know with my own insurance, and I've been driving over 50 years, that if you change your car the premium can go through the roof. Different companies seem to "like" or "dislike" different cars. ClubCare were giving me very good quotes for my Volvo so I was with them several years, but they gave me a ridiculous quote when I switched to an X Trail. I moved to a different company who gave me a decent quote on the X Trail, but when I had tried them before with the Volvo they had been extremely expensive. There is no consistency.
My advice would be to try at least 3 different comparison sites. I have just re-insured my X Trail with NFU, as the company I was with before suddenly upped my renewal premium from £335 to £628. Crazy!
Try £980, cheapest I can find Via Swift Cover/Axa for 2020 Santa Fe. Seems ridiculous, but we were with General Accident who wanted over £2,000.No idea why, no claims etc.
Quote: Originally posted by Paul_B on 18/11/2023
She should try it with another named driver, my daughter used to have me as a named driver to get the premiums lower.
I’ve read this too. Get a quote with a mature experienced sensible person (or two) as a named driver.
Not suggesting specific companies because I’m an old fogey. When I was a student, we all used Enfield but it probably doesn’t exist any more.
Quote: Originally posted by Mrs. Bonce on 18/11/2023
Try £980, cheapest I can find Via Swift Cover/Axa for 2020 Santa Fe. Seems ridiculous, but we were with General Accident who wanted over £2,000.No idea why, no claims etc.
I agree those prices are ridiculous, but your car is worth a lot more than mine, as mine is a 2008 model, which is why the premiums are higher. I am convinced a lot of these insurance companies pick a price out of thin air and see if they can get away with it. That's why I always shop around and only ever accept my renewal quote if it is still the best deal.
A little while ago I was staying with the same company for a few years but recently I have switched nearly every time. The market seems to have got a lot more volatile. You only have to look at the comparison sites to see that. A few years back the AA was way down the list as being much too expensive, then suddenly they became the best deal for two years. Then their prices went up a large amount and someone else became the best deal. Last year I switched to 1st Central who were the best (not the cheapest) then this year my renewal quote was nearly double, so I switched again.
You would think that the same car would be rated broadly similarly with all the companies but that is far from being the case. How do they vary so enormously, it beats me! Why is one car a relatively low risk with one company but a high risk with another? Change the car and the opposite is the case.
Thanks so far everybody.All insurance companies seen to use the same book these days. They all see an 18 year old as a maniac! When I learned to drive and entered the motoring world-the last thing I would have wanted was an insurance claim and every car Ive owned was precious to me. I cant help feeling that this era of pcp etc has placed less value on cars as you dont really "own "it and therefore dont really care about it that much. I have been looking around and there are some young drivers with seriously nice cars on the road. Are they all paying £5k a year insurance?--or are they paying for expensive Tesla etc cars going up in flames? Thoughts on that--and Im still looking for a "sensible"insurance quote--done all the named driver stuff which we know is probably never going to happen and that is taken into consideration with these quotes! Its a 1.6 Astra--2009--NOT A SPACE SHUTTLE!
Is Aviva still doing insurance for new drivers where they get a black box thing that monitors speed etc? Used to be advertised on tv.
This is certainly very informative:
https://www.aviva.co.uk/insurance/motor/car-insurance/getting-insured-new-driver/
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Quote: Originally posted by BRYANMITCH on 18/11/2023
Hello everybody--any recommendations for a sensible car insurance quote for a young driver? A few details--its for my grandaughter ,aged 18 years and has been driving her own car for 10 months. The time has come to part company with her 1st car and a replacement is waiting for her-nothing exciting-just an astra 1.6 diesel. I have tried all the usual search engines but am getting quotes starting at £440 per month(£5000+ per year).Happy to have a black box fitted for now. This is fully comp insurance. Has anybody had a good experience in a similiar situation they can share? Thanks.
At 18, my kids had cars that weren't to a scrape or two; pretty much worthless, and TPFT only. In fact my daughter felled a lamp post with hers within a fortnight! I would say get a smaller engined car, reliable but of little value, and just get her the cheapest cover to build up her no-claims.
Quote: Originally posted by BRYANMITCH on 18/11/2023
Hello everybody--any recommendations for a sensible car insurance quote for a young driver? A few details--its for my grandaughter ,aged 18 years and has been driving her own car for 10 months. The time has come to part company with her 1st car and a replacement is waiting for her-nothing exciting-just an astra 1.6 diesel. I have tried all the usual search engines but am getting quotes starting at £440 per month(£5000+ per year).Happy to have a black box fitted for now. This is fully comp insurance. Has anybody had a good experience in a similiar situation they can share? Thanks.
At 18, my kids had cars that weren't to a scrape or two; pretty much worthless, and TPFT only. In fact my daughter felled a lamp post with hers within a fortnight! I would say get a smaller engined car, reliable but of little value, and just get her the cheapest cover to build up her no-claims.
Sounds like a plan to me Mick, but it is a good idea to do a comparison between TPFT and comprehensive, as these days some insurance companies actually charge MORE for TPFT than for comprehensive. They regard people who only take out TPFT as being a higher risk. I know, crazy isn't it?
Quote: Originally posted by BRYANMITCH on 18/11/2023
Hello everybody--any recommendations for a sensible car insurance quote for a young driver? A few details--its for my grandaughter ,aged 18 years and has been driving her own car for 10 months. The time has come to part company with her 1st car and a replacement is waiting for her-nothing exciting-just an astra 1.6 diesel. I have tried all the usual search engines but am getting quotes starting at £440 per month(£5000+ per year).Happy to have a black box fitted for now. This is fully comp insurance. Has anybody had a good experience in a similiar situation they can share? Thanks.
At 18, my kids had cars that weren't to a scrape or two; pretty much worthless, and TPFT only. In fact my daughter felled a lamp post with hers within a fortnight! I would say get a smaller engined car, reliable but of little value, and just get her the cheapest cover to build up her no-claims.
Sounds like a plan to me Mick, but it is a good idea to do a comparison between TPFT and comprehensive, as these days some insurance companies actually charge MORE for TPFT than for comprehensive. They regard people who only take out TPFT as being a higher risk. I know, crazy isn't it?
You're saying; less risk of paying out (no FC), is deemed a 'higher risk' to the insurers? How does that logic come about? It could be - and probably is, in many cases, pure financial constraints. And, if your car is low value, why would you ever make a claim for it!
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Topic: YOUNG DRIVER CAR INSURANCE
via mobile 18/11/2023 at 7:59pm
