My 18 year old has just passed his driving test. Apologies if this has already been asked, but what's the cheapest way to get him insured. Am I better off buying him a car under my name and have him a named driver? Is it worth if he also cimoletws the pass plus test?
Getting insurance for my 18 year old lad, he's just passed his driving test.
- Thread starter tsobo
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Caporegime
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If he's the main driver I'd avoid this personally.
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Having him as a named driver when he is the main driver is not a good idea, it's called fronting and is insurance fraud.
Only advice I can give is to add yourself or another family member as a named driver on his policy. It often brings the cost down and it doesn't matter if they ever drive the car or not.
Other than that, it's going to cost a lot of money and you just need to pay it unfortunately. Good chance it'll be £2k or more.
Only advice I can give is to add yourself or another family member as a named driver on his policy. It often brings the cost down and it doesn't matter if they ever drive the car or not.
Other than that, it's going to cost a lot of money and you just need to pay it unfortunately. Good chance it'll be £2k or more.
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A lot will depend on the car (some will be crazy expensive others unexpectedly low without much seeming rhyme or reason) and a bunch of other factors like area you live, etc. can mean insurance can vary wildly. Something which also can have a big impact is the job title/role - you can actually get the price down quite a bit even at 18 if you (a) have a job (b) have a job which entails some degree of responsibility.
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Caporegime
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Have to consider the car carefully and look at "Black Box" insurance policies too.
Caporegime
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Yes.
Yes.
I also wouldn't get anything on finance. You want a cheap motor for 1 - 2 years incase he prangs it, buy a £2k banger.
Echo what's has been said above about a cheaper car as it's highly likely he will prang it at best and at worst damage beyond economical repair.
To earn no claims discount in the future I think it's still the case that he will have to be named driver. As someone else else said above add older less risky drivers as named drivers.
I had my dad and older sister as named drivers on my policy when I was 18 and it dropped it hundreds of pounds a year.
Try a few different cars as well when getting quotes, the insurers seem to grade cars into risk categories as it's not just as simple as bigger engine=higher insurance.
To earn no claims discount in the future I think it's still the case that he will have to be named driver. As someone else else said above add older less risky drivers as named drivers.
I had my dad and older sister as named drivers on my policy when I was 18 and it dropped it hundreds of pounds a year.
Try a few different cars as well when getting quotes, the insurers seem to grade cars into risk categories as it's not just as simple as bigger engine=higher insurance.
Did he have any claims as a learner? If not, speak to your current insurer: way back when this got me 30% off.
This.
Echo what is said above about getting a banger and putting a second driver on the policy who has years and years of experience. Also pass plus is a waste of time, very few if any companies will give a discount for it now. There is also no guarantee that the ones that do, will be will be the ones giving the cheaper quotes anyway. Make sure you look at insurance quotes before you buy a car, even if it's a banger.
Thanks very much, this is indeed a very good idea to check insurance costs first.
Toyota Aygo/Citroen C1/Puegeot 107 were the cheapest things to insure when the other half passed her test 4 years ago. Ended up spending 2k on an Aygo just while she started driving as it was cheap, something she wasn't overly keen on doing because an Audi A1 was much cooler.
4 years later, amusingly, she refuses to replace the Aygo because it's so cheap to run and maintain!
4 years later, amusingly, she refuses to replace the Aygo because it's so cheap to run and maintain!
Soldato
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My Lad at 17
My self and my wife on the policy made it cheaper. He has a black box fitted. These make it cheaper too.
One of my colleagues really loved his Aygo - only replaced it because with both his parents in the car it would slow down, with hit foot to the floor, going up hills :s
Soldato
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That's actually pretty reasonable, and I guess most young drivers are going to be forced to have a black box at some point.My Lad at 17
My self and my wife on the policy made it cheaper. He has a black box fitted. These make it cheaper too.
Soldato
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Yeah. The frustrating thing is 4 months earlier when we bought the car the quotes were ~£750 with "fake" details showing he had passed his test. Looking at the price increases that are happening I expect his renewal will be more despite 1 year NCB and +1 on his age.
I've always found Skoda Fabias to be relatively cheap to insure (as long as it's one of the "normal" ones and not the VRS).
It's worth looking at options which aren't going to be your typical "first car", otherwise the stats of 18 year old drivers will be against you :S
Did you buy it and put 6he car in his name does that actually help or I should own it and get him as main driver? I'm thinking if he actually owns it, might help?My Lad at 17
My self and my wife on the policy made it cheaper. He has a black box fitted. These make it cheaper too.