Young drivers?

m4rkw7

m4rkw7

m4rkw7

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Joined
19 Jul 2010
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678
I'm looking to start driving next month but the insurance is a massive hit! I'm after a small car that's very nice on the insurance bill. A cheap car would also be a bonus.

Any ideas?
 
I drive a Seat Cordoba, as cheap as I could find at 19!

Look for things like a 1.25 Fiesta (1.3 is awful) etc.

Don't spend more than £1500, not worth it as you'll make mistakes at first!

You will pay well over £1000, be prepared for that.

It's all about where you live unfortunately to how much you pay at a young age.

Don't forget to add a couple of older females onto your policy!!!
 
17, so just at the start of the ladder. Ideally i'm looking at under £1,000 for the car and the insurance as cheap as possible.
 
You'll mostly find that cars least expected to be lusted by 17 year old boys are the most insurance friendly.

For example the good old OcUK favourite, the Mondeo. A Mk2 1.8 Mondeo costs my 18 year old cousin less to insure than a 1.2 Corsa would.
 
Third party insurance for a car of that value then, you won't get any fully comprehensive cover for under that at your age. I ended up paying £1,800 in my first year - don't make the same mistake, go third party!
 
I ended up paying £1,800 in my first year
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That's not a bad price, at 17?

I was also stumped with insurance do i go out and get my own or would it be beneficial to jump on my parents or have them listed as the owner, and me a driver?
 
shifty_uk said:
Don't understand this, anything close to 1.8/2.0 litres shoots my premiums up, regardless of the car.
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It's quite simple, a 1.8 Mondeo (for example) has a far lower statistical chance of being crashed by a 17 year old lad. Corsa's, Saxo's and the like are primarily owned and lusted for by 17-19 year old lads, so the number of crashed in that age range is quite high! Larger cars on the other hand are seldom owned let alone crashed by 17 year olds, so carry a lesser risk statistically.

Obviously you need to balance this out by finding something that isn't at all potent (for its size), relatively dull, and that is (in the eyes of an insurance company) cheap to repair. So no looking at Monaro VXRs.
 
paradigm said:
It's quite simple, a 1.8 Mondeo (for example) has a far lower statistical chance of being crashed by a 17 year old lad. Corsa's, Saxo's and the like are primarily owned and lusted for by 17-19 year old lads, so the number of crashed in that age range is quite high! Larger cars on the other hand are seldom owned let alone crashed by 17 year olds, so carry a lesser risk statistically.

Obviously you need to balance this out by finding something that isn't at all potent (for its size), relatively dull, and that is (in the eyes of an insurance company) cheap to repair. So no looking at Monaro VXRs.
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No, I understand why in theory it should be cheaper but by throwing a larger engine into the mix, regardless of car desirability sends my premiums higher.
 
shifty_uk said:
Don't understand this, anything close to 1.8/2.0 litres shoots my premiums up, regardless of the car.
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I had this too, 1.4>1.6 was barely any change in price, 1.6>1.8 was a massive jump, going from an Escort>Mondeo I thought the price would go down, but it went up massively!!

m4rkw7 said:
I was also stumped with insurance do i go out and get my own or would it be beneficial to jump on my parents or have them listed as the owner, and me a driver?
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Depends, will they be driving it more than you?

If you will be the main driver but aren't listed as the main driver it's as good as not having any insurance in the first place, the insurance company can and will declare it void in the event of them finding out in a claim.
And they have their ways.
 
thepeganator
Depends, will they be driving it more than you?

If you will be the main driver but aren't listed as the main driver it's as good as not having any insurance in the first place, the insurance company can and will declare it void in the event of them finding out in a claim.
And they have their ways.
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They would not be driving it at all. It'd be fully mine, they'd just be listed to keep the cost down.
 
It is hard to start, when I was seventeen I picked up a 1 litre Uno which didn't run for £0, mended it for £80.

Dad paid £999.98 to insure it with me as a named driver (not Fronting because he used it a lot as a scratty van). He MOT'd it (he's a tester so it was free), and paid £95 to tax it.

I paid £40 for my provisional.

I paid £40 for my theory test.

I paid £40 for my practical test.

I paid £25 an hour for 12 hours of tuition (the last 30 minutes of that was to use the car in the test).

I then paid that again for 10 hours of Pass Plus course.


If you aren't going to use a car much this is a great rout to take. Though the Pass Plus only really becomes worth it if you are going to be the main driver on a policy in your 1st few years driving.
 
They have their own vehicle which is a lot better than anything i'd be picking up so them driving it won't really be happening. If they owned it legally, and named me as a driver, do they still have to *drive* it? It'd still be their car.
 
m4rkw7 said:
They have their own vehicle which is a lot better than anything i'd be picking up so them driving it won't really be happening. If they owned it legally, and named me as a driver, do they still have to *drive* it? It'd still be their car.
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They main driver needs to be exactly that, anything else is fronting, which is fraudulent and may lead to your policy being invalidated in an accident. Any 3rd party will still be compensated but the insurer can then sue you for that money. I think that's all true but don't quote it.

It does look like you need your own policy.
 
Go with Bell.

Add parents as named drivers. In fact add anyone with your surname, I added my cousin for an extra hundred quid or so off my premium. Done.
 
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