Coming up 17 year old looking at first car/insurance
- Thread starter theaterix
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Soldato
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If you dont want insane premiums yes.
Although even at 23 they're still trying to shaft me with one, fat chance.
Just get a black box installed, as long as you don't drive like a **** then you'll reward yourself with cheaper premiums. I think they assess maybe every 3 months or so... Do that for a year, and then decide the following year with an NCD if it's cheaper to continue with the black box, or not.
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I can't believe the price of premiums these days. I passed my test when I was 17 in 2004 and I think my 1.2 01 plate Fiat Punto was £800 for the year on my own policy.
What has happened since then, or did I just have a really boring car that was luckily cheap to insure?
What has happened since then, or did I just have a really boring car that was luckily cheap to insure?
When my daughter got her car, she had a black box and it wasn't as bad as I thought it would be, although she did get people behind her trying to push her down the road whilst she was doing the speed limit.
we got her a sticker saying she had a black box and it helped. also every 3 months her insurance would drop slightly. after the first year her premium almost halved but she still needed the black box.
we got her a sticker saying she had a black box and it helped. also every 3 months her insurance would drop slightly. after the first year her premium almost halved but she still needed the black box.
Another vote for this. As much as it wont be what you want you are going to get absolutely shafted wanting to drive at 17 compared to the prices you will get when you are 18.
When I started driving back in 2005 ish I got my car when I was something like 17 and 9 months. Insurance would have been in the region of £1700 for me. I stuck the car in the garage for 3 months and left it locked up uninsured and arranged for the policy to start the day I turned 18 for only £1300.
If you think just how much insurance has gone up since then it honestly wouldn't surprise me if you could save £1000 or more on insurance by waiting 1 more year.
If you really cant do this as others have said you want the policy to be in your name so your get your NCB started as soon as possible. Add at least a couple of parents on as named drivers as both will likely drop your policy price down slightly lower. In terms of the actual car you just want something cheap and reliable that you won't worry about too much when you inevitably clip a wall or other inanimate object as I'm sure we all do with our first cars. Check out prices for things like entry level Focus and less common things like the Yaris that dont have the stereotypical young male driver image and you will get much cheaper prices.
Out of interest, (my son is a long way from driving age but it is interesting to me nonetheless) I added a date adjusted son born late 1999 to our multicar policy as the main driver (with both of us named) of a cheap car we have (2.2 150hp Vectra) and the policy uplift was only £590.
This is Aviva. Clearly that price would be utterly ridiculous for us, but it doesn't seem bad for a 17 year old and the car is a lot better than some of the stuff being mentioned here.
This is Aviva. Clearly that price would be utterly ridiculous for us, but it doesn't seem bad for a 17 year old and the car is a lot better than some of the stuff being mentioned here.
I don't know if insurers still do it, but when I started driving I was on my parents' insurance as a learner. Then, when I was arranging insurance for my own car, I rang my parents' insurers for a quote, and after getting the quote mentioned that I'd been driving under their insurance accident-free and was instantly given a (something like) 30% discount.
Nothing has changed.
I started driving in 2001, and my first policy was £1300 on a 16 year old 4 door Vauxhall Nova (didnt even have the flared arches bruv).
There's a lot of factors, could be anything.
I paid £1700 for a policy without a black box instead of £1100 for one with a black box when I started driving...
I'd have done the same in that position. The box plans are cheap and they seem a trap. You pay less for the policy but in the long term, their 'evidence' on your driving will mean you pay more. Unless you drive like a saint I bet they see it as a risk.
Is fronting where you insure the car but your parent is on the policy or the parent has the policy and you are on it but the main driver?
I remember my old man prantling on about it when I passed in 2002, the insurance (for my own policy) was £1200 for a 1.1 Pug 106 Popular+, I paid up for the year and started to get my NCD's but it was still a very expensive thing at 18.
The car only cost £250.
I remember my old man prantling on about it when I passed in 2002, the insurance (for my own policy) was £1200 for a 1.1 Pug 106 Popular+, I paid up for the year and started to get my NCD's but it was still a very expensive thing at 18.
The car only cost £250.
Fronting is when a parent insures a car as the policy holder and/or main driver, but the actual main driver is their child who is only down as a named driver.
Having your parents as named drivers on your own policy is perfectly fine, and I did that to reduce the cost of my insurance.
+1 This! Take it from personal experience, it's just not a good idea. Attracts the wrong kind of attention.
Look into modding (if you're still interested) when you have a few years NCD under your belt.
Perfect, exactly what you want for your first car. Certainly better than my first car, (12 year old Rover 200 in GREEN).
At least a couple of parents!
i don't know about you, but i only have 2!I was lucky when i had turned 17 and bought my first car as i'd had a moped up until learning to drive. So was able to use effectively 1 years NCD at the age of 17. Bought my premium on my typical boy racer car down from 1500 to 1000.
As an engineering apprentice, you should look at getting a non runner / MOT fail in otherwise good condition for a couple of hundred quid. Spend the year until you pass your test learning about it, stripping it down, tidying it up etc. and saving for your insurance at 18 (assumes you have a space to put it).