Any of you 17 and insured?

Trying to get insured on anything more than a 1.2 at 17 is like a 25 year old trying to get insured on a Ferrari.

My mates were paying £1500+ five years ago.
 
Janesy B said:
You probably got a quote from an insurer that does not give any discount for Pass Plus.
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Yup.
I am now with admiral fully comp for £500 (inc all extras) at 21 and iirc they didn't ask me about pass plus. Some insurers do and some don't, but admiral/bell/elephant were the cheapest for me anyway.
NFU wanted over £1200 still TPFT including a free 1NCB year!!

OP: If in any way you can just use your mum's car for a year or two then do it. Insurance at 17 is a killer.

EDIT: It is probably cheaper to get a sex change and become a female and then get insured.
 
Janesy B said:
You have to spend more or less a whole day on the phone calling every specialist you can whilst playing them off against each other. When I started getting quotes online I was looking like I had to pay £2000/£2500, after a day on the phones I managed to get it down to £1300. You have to put a bit of work into it.

I didn't check quotes before buying my car, but then again my first car was only group 4.

Also see how much difference pass plus makes, it can make a big difference.
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Janesy B said:
Another scott212 and I hate insurance companies but don't understand why young drivers are such high risk thread.
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Thanks for being helpful but also a bell end at the same time :p

We'll give Bell/Admiral a shout too they offer me reasonable quotes at 21.

Thanks for the advice everyone.
 
*Facedesk*

I'd personally ignore all the doom and gloom spouted in this thread, get him the back pages of a 'specialist' motoring magazine and a phone.

And what is with the suggestions of the young driver using his mother's car? Spend £1,000+ to be named on a policy where he gets limited use of the car and zero NCB? Makes very little sense to me.
 
Joshy said:
*Facedesk*

I'd personally ignore all the doom and gloom spouted in this thread, get him the back pages of a 'specialist' motoring magazine and a phone.

And what is with the suggestions of the young driver using his mother's car? Spend £1,000+ to be named on a policy where he gets limited use of the car and zero NCB? Makes very little sense to me.
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Unless he doesnt need a car very often and they use an insurer who give you NCD as a named driver?
 
Tesco were cheapest for me for the first year of driving. Also worth adding parents as named drivers.
 
iaind said:
Unless he doesnt need a car very often and they use an insurer who give you NCD as a named driver?
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Problem is that named driver NCB isn't worth the paper it is written on to 99% of other insurance companies. And those who will accept it are usually more expensive companies in the first place.

Entire stump up the extra money to get insured on your own car or don't bother.
 
iaind said:
Exactly. I don't get why people turn 17 and decide they can't possibly live without a car. Yes, I've been there - its really exciting to be able to drive but if you can't afford it, you can't afford it. You just have to wait until you've either got more money or become a lower risk,
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Some people like to um... get a job, drive to work and back - some people don't live where public transport is viable for their employment needs... and thats just scratching the surface of the number of completely reasonable reasons why someone would want to start to drive at 17.


As for the OP they should be able to get it down below 2 grand if you look around but it won't be cheap... it cost me ~£1600 a year on a fairly low powered car for the first 2 years and then after that it was like the door opening - £300-400 a year... now at 28 I can insure a high performance (200+BHP car) for only £33/month.
 
Try Quinn Direct, I just ran a quote myself (17) and it came out at roughly 1400 for a 1.4 Polo with TPFT, 1 named female driver (adding two costs more) and annual mileage of 5000 (anything higher seems to put the price up a bit).
 
I'm 17 with Quinn Direct. Costs me £2100 on my 1.6 astra third party fire and theft. This includes alloys and exhaust declared.
 
I go to college and seeing how some of the 17/18 years old drive out of the car park no wonder its so expensive, one lad in my class crashed coming to college showing off to his mates, ended up crashing into sign and brick wall. I was a 17 year old driver and I was on my parents insurance and drove their car and I took care of it, last thing I wanted to do was crash and face the wrath of my parents.
 
cheets64 said:
I go to college and seeing how some of the 17/18 years old drive out of the car park no wonder its so expensive, one lad in my class crashed coming to college showing off to his mates, ended up crashing into sign and brick wall. I was a 17 year old driver and I was on my parents insurance and drove their car and I took care of it, last thing I wanted to do was crash and face the wrath of my parents.
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I completely agree even at 21 some of my mates drive like tards. The fact is you can't really do anything about it and like people have said although we're punished for other young driver's negligence, we are however given the opportunity to show that we're a safe risk and benefit from this through cheaper premiums.
 
I have recently got insured with morethan as the policy holder with no named drives on a Clio 1.2 16v (2001) for £1450.

Its only 3rd party fire and theft but has the advantage of £50 excess.

I have just passed my test a month ago and turned 19.
 
cheets64 said:
I go to college and seeing how some of the 17/18 years old drive out of the car park no wonder its so expensive, one lad in my class crashed coming to college showing off to his mates, ended up crashing into sign and brick wall. I was a 17 year old driver and I was on my parents insurance and drove their car and I took care of it, last thing I wanted to do was crash and face the wrath of my parents.
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Yup, this is exactly why they cost so much to insure - when 17 year olds stop driving like idiots, the premiums will come down and scott212 can stop complaining
 
I pay £650 a year TPFT for a classic mini cooper, now a sprite. I had an accident. My quote for next year is.... £600 fully comp, and that's without going to a classic company and with accident declared. I'm rather lucky, I think.
 
I think the most I've ever paid for insurance was my first car, A 6 year old 1.2 Corsa B, £1500 FC at 18 (Policy started before I passed).

My second car, still at 18 was a '94 Calibra Redtop, that went down to £800. I couldn't believe it!

My VXR would cost me £600/yr FC, but its nearly double that since adding the other half - fortunately, she pays most of it for the privilege, though :)


I agree with the Admiral/Elephant/Bell comments, they were a god save for me, in my first two years driving. I still use them now for base quotes to take to a local broker to beat.
 
cheets64 said:
I go to college and seeing how some of the 17/18 years old drive out of the car park no wonder its so expensive, one lad in my class crashed coming to college showing off to his mates, ended up crashing into sign and brick wall. I was a 17 year old driver and I was on my parents insurance and drove their car and I took care of it, last thing I wanted to do was crash and face the wrath of my parents.
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I completely agree, most people come out the car park flat out in a could have smoke.

I drive sensibly, I never show off to maes or do stupid speeds, its just not worth it!
 
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