Car Insurance for 17 year old ?

[Steve]

My Daughter is about to take a driving test at 17 we have lined up a Peugeot 206 1.1L one previous owner for a fair price but as i new would be the case the insurance is what can only be referred to as steep.

Has anyone out there found any good companies that may be worth a look at it looks like about £1300 per year at the moment.

And before anyone says it no i will not be on the insurance.

Any help would be much appreciated.

Cheers

Broke Father

 

[yb281]

Can't help I'm afraid mate. When we were in the same situation I had to put my daughter as a named driver on my policy until she'd finished uni etc. Then she had to get her own policy, which was still mega bucks, but at least the annual payments weren't twice what her car was worth.

 

[Gizzy]

When Krizzy was 17 and had his first Pug, we used the Co-op. It was still £800 though and that was 6 years ago.

Unfortunately though I reckon that £1300 is about the norm for Car Insurance for a new young driver these days. Girls used to be cheaper than boys but a recent EU directive forbides discrimination on the grounds of sex.
So young girls now have pay the same as the so called 'boy racers'....

 

[stockers]

£1300 for a 17 year old - sorry Steve thats actually pretty good for a 1.1L. In this day and age a 1.1L is 'big' for insurance purpises.
Try insuring a lad at 17 - its bordering on impossible.

 

[ceejaydee]

My Mrs' eldest son passed his test earlier in the year.
He is 20, a medic in the Army and has a 1.3 Fiesta and I don't think that he is paying much different to what you have been quoted for your daughter.

At £100 or more per month just for insurance seems very steep but equally appears to be the going rate.

I seem to remember being quoted just under £1000 fully comp for a Sierra that I paid £2500 for, and that was twenty years ago.
Seems that insurance doesn't change much.

 

[Zerogee]

Hi Steve, actually £1300 sounds pretty good, from my experiences with my stepson's insurance (I know boys get loaded higher than girls, but he is 21). He's still on a provisional license, but bought a cheap Fiesta to practice on - the best quote we could find for him was about £1500 with an Irish company called Quinn - frankly their reviews online are terrible, and I certainly wouldn't recommend them on anything but price, but it did get him his first year of insurance and allowed him to get a year of NCB under his belt - for his second year (he's still a learner!) he's switched to Swinton, a much better company, but even with the year's NC that's costing him about the same amount as last year.
Actually, you SHOULD be on the insurance (and your wife too, if possible) - NOT as main driver, so there's no fiddle going on, but if one or both of you are down as additional named drivers it may actually lower the premium for your daughter! Funny, but that's the way it works.....

Jon.

 

[whatlep]

My Daughter is about to take a driving test at 17 we have lined up a Peugeot 206 1.1L one previous owner for a fair price but as i new would be the case the insurance is what can only be referred to as steep.

Has anyone out there found any good companies that may be worth a look at it looks like about £1300 per year at the moment.

Hate to tell you Steve, but that sounds pretty competitive. The only good news is that it drops pretty quickly as no claims bonuses (bonii?) accumulate. Assuming she doesn;t drive like her old man, of course.....

 

[Tony]

Funnerly enough im going through the same thing but its my son so a worst risk so im told i havnt got a quote yet but ive been recomended the coop
they fitted a saterlite tracker to the car that monertors speed , acceleration, and behavior and the risk is that they can cancel the insurence at anytime if the driver breaks the law, there is a £90 change of car charge within the first year but rumor has it insurance is under £1000
here is a link to get a quote please let me know how you get on my son is 17 soon

https://youngdriver.co-operativeinsurance.co.uk/about_you.php

to cheer you up the 21 year old lad across the road from me has a battered Corsa and has 2 speeding convitions already he pays £220........................................................................... A month id rather walk

Tony

 

[yb281]

I know this isn't going to save you any money (maybe even costs more?), but I seem to remember that a couple of the manufacturers were offering insurance deals for new drivers on some of their smaller cars? I think Toyota might have been one of them with the Aygo. I got a good deal (including insurance) on a Kia Picanto ex. demonstrator.

The Pugs and Citroen Saxo's are renown as being popular with the boy racers. No coincidence that we had loads of RTA's involving both and (purely personal opinion) I was never very impressed with their strength in a shunt.

 

[CoggesRailway]

Interestingly Ford My Key and others are reducuing the premiums in the future. A key is programmed with a selectable max speed, max stereo volume, no ignition without seat belts, traction control always on and a wind chime noise that plays as you go over 10 mile an hour increments and stereo off over a certain speed. If the key is used the premium is cheaper. When i was 17 i was prat in my car, this would have been very good for me and when my lads are bigger this will be their deal!

 

[Gizzy]

No coincidence that we had loads of RTA's involving both and (purely personal opinion) I was never very impressed with their strength in a shunt.

I concur.
I ran a deseasel Pug for my commute to work. Economical yes, but the thing felt like it was made from tin foil, and when passing Felixstowe bound countainer trucks on the A14, you knew about it!

Not the strongest vehicle on the road....

 

[Steve]

Sound like its just the way its going to be ,
J2`s she has no ridena bike sinse who knows when
Mel the going on your parent insurance is now called fronting and not legal.
Gizzy £1300 does appear to be fair in todays market
Stockers , the less 17 year old lads around here the better
CJD what was is a RS Cosworth
Zero if you new my driving history you would not recommned me on any ones insurance
Peter Roll on year 2
Tony £220 a month wow
Mel , not what i really wanted to hear hence the fact i have just paid out £140 to the AA to do a comprehensive check on it , i know it does not help the crash statistics

 

[facade]

Did you try bashing her details into comparethemeerkat? Sometimes they come up with a cheap quote from someone you've never heard of, then you use this when you ring round companies you have heard of to try and get them to beat the quote you have already.
Then there is gocompare, and that one with the cartoon woman in the stripy blue top with the gyrating boobies, but I can't remember the company.

However, insurance is very dear at 17 I'm afraid.

 

[muns]

Steve,

Have you considered adding either yoursel or the missus as a named driver on your daughter's policy - If I recall, having the missus on the stepdaughters policy dropped the premium by a reasonable amount (but that was 5 yrs ago).

 

[Steve]

Mark , we have put the misses on but i feel in the intrest of my daughter it may not be fair to put me on her insurance

 

[yb281]

Mel the going on your parent insurance is now called fronting and not legal.

Technically, no mate. The car was registered in my name and she was a named driver. Fronting is where the child is the car owner, but the parent is the main driver on the policy. Anyway, you're right, it's something that the insurance companies clamped down on when they realised they weren't getting their pound of flesh and I wasn't advising that you should do it now.

 

[Zerogee]

Did you try bashing her details into comparethemeerkat? Sometimes they come up with a cheap quote from someone you've never heard of, then you use this when you ring round companies you have heard of to try and get them to beat the quote you have already.
Then there is gocompare, and that one with the cartoon woman in the stripy blue top with the gyrating boobies, but I can't remember the company.

However, insurance is very dear at 17 I'm afraid.

The "bouncing boobies" one is Confused.com, I think you'll find.... it's amazing that us blokes find boobs so endlessly fascinating, even when they're on a cartoon female who looks like she's been drawn by a five-year-old.....

Jon.

 

[steve parberry]

My cousan has done a strange thing.

He passed his tractor test at 16 as is allowed by law and insured his vintage tractor for £220 a year.
But now when he is 17 he should have 1 years no claims lets see them work that out:wits::wits:

No doubt they will say its not valid but 1years NCB is 1 years NCb if you ask me

 

[Bram]

That seems a good price Steve, the average is about £2000

 

[mmts]

That seems a good price Steve, the average is about £2000

Now couldnt you employ a fully qualified weekend driver for her.....
Hhmmm 52 weekends free bed & breakfast plus running rights then the obvious wages @ say £30 a weekend + expences..... let me know what you think....I have 85+% ncd and im used to peugeots!!!!!!!..........