Car Insurance at 17...

Maxeh

Maxeh

Maxeh

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Joined
19 May 2005
Posts
2,414
Location
Belgium
Chaps,

When I was 17 I think I paid around £600 to insure a 1.0l Suzuki SJ which was only 6 years ago.

A friend has just recently passed his test and cannot get insurance for less than £3000!

The car is a 1.0l 1997 Corsa, its kept in a garage in a not too bad area and he is employed full time.

Is this the case nowadays that youngsters simply cannot get insured for a reasonable amount?
 
Insurance at 17 is ludicrious. Even winding back 5 years when I started driving. I passed a couple of months before my 18th birthday, to get insurance straight away would have been £1800. By waiting a month until I turned 18 it was only £1300.
 
Yes basically, thing is that the young motorist these days is essentially forced to have fronted insurance by ridiculous prices.
About 7 years ago a 17 year old could insure a mr2 turbo for about 900 quid. I cant even do that and I'm 21 with no claims
 
Quinn direct were a life safer in my first year of driving. doc cover, modified 205 then on e30 BMW's for less than a grand. I still pay a lot more than that (albeit on a car with a slightly larger engine :D)
 
Yeh, my lad passed at his first attempt last summer, at the age of 18....and the cheapest quote on anything and I really do mean anything, was £3600 on a Matiz which I think is only about 850cc, not sure cos the other half dealt with it, needless to say...he still catches the train to uni. In all honesty he doesn't really need a car anyway but this country sure as hell seems to want to help young drivers into driving without insurance
 
Mine's no different now I'm 19, I don't know why but I am struggling to find decent quotes, even ringing up.

I recently moved house and to change my address mean's it's costing me £2400 to insure my car - was £980 before. They both have the same rating a B, I know this isn't the be all.

I quite frankly find it ridiculous, I've had my license 2 years too.
 
Joshy said:
Quinn direct were a life safer in my first year of driving. doc cover, modified 205 then on e30 BMW's for less than a grand. I still pay a lot more than that (albeit on a car with a slightly larger engine :D)
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Quinn have been by far the cheapest for me the last 2 years. on my old 1.4golf and on my current car 2.0T Audi A3 S-Line
 
Kennysevenfold said:
Oh dear give confused.com a try? Thats what worked out best for me with quinn.
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I've given them all a try, well all that I can think of.

I would rather bike my 8 mile journey to work than pay £2K+ to drive a car.
 
Ive just sorted out my sisters insurance on a fiesta 1.25 zetec as she is about to turn 17 and it was £850 with diamond I think, found them on comparethemarket.

My insurance was 980 on a focus 1.8 tdci at 18 and now I pay 800 for a 2005 golf gt tdi at 21.

Those prices are ridiculous.
 
My youngest brother is now 18 (almost 19).

He was on the mother's insurance on the 1.4 2007 Corsa for about £1000 extra to add him on over both parents, me (23), middle brother (21).
Now he is 18 it is another £600 on top of that.
We live in a decent postcode and on a decent estate, he has no points and no claims.

When I was younger I just stuck the Micra in dad's name (it was at home half the year when I was at University) to save money

They may as well make driving 18 or 19 years old because I cannot think of a single 17 year old who can pay £3000+ insurance on a POS car.
 
Try a car that isn't driven by every other youngster out there!

Not sure if you could get a classic policy at that age as most seem to want you to be 21.
 
When I was 17/18 the best quote (Admiral) I got for a Saxo VTR was the wrong side of £2K, and that included adding parents as named drivers. So... I paid it. Now I'm 20 (21 in less than a month) I've got a couple of years no claims and have held my license for a few years and I'm paying £500 for my Saxo VTR, and am getting quoted £800 for a Clio 182.


@Maxeh: Try an Admiral Multicar policy (with all the households cars on it) and see what that's like... brings ours right down!
 
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Even good areas for insurance can be bad for youngsters as there is likely to be more valuable cars in the area than a bad insurance area, so you pay another premium because if you have a crash you are more likely to hit a car worth more money, and after all the high insurance for youngsters isnt to cover the cost of the car they are driving but to try and cover the costs of the car they are going to hit.
 
Aviva seems to be quite cheap for young drivers. They also count the amount years you've had your licence as the years since you were issued with your provisional licence.
 
Justin said:
Aviva seems to be quite cheap for young drivers. They also count the amount years you've had your licence as the years since you were issued with your provisional licence.
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That might help actually, might mean I can say I've had my license 3 years instead of two. Although there quotes come back as £2500.

I drive a Fiat Brava, no 'cool' person my age would touch one, maybe there so rare that they like to charge a lot ;).

I must be doing something wrong!
 
Best thing to do nowadays is wait until you've had your licence a year and your 18 (but Obviously not everyone can do/wants to do this)
 
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