insurance help needed

[ian zs180]

Can anyone advice on any insurance companies for my newphew . Now he is only 17 and passed his test last week he already has a car a corsa 1.2sxi 2002 model which he got ready for when he passes his test . Trying to insure it is a nightmere he has been on all the price comparison sites and its just silly quotes he is getting 3 grand plus and that's with a blackbox fitted . He simply cant afford to pay that sort of money out he is so fed up he cant drive after just passing his test anyone know of any decent companies he could try .

[Dan1971]

Some good tips here -

http://www.moneysavingexpert.com/car-insurance/young-drivers#specialdeals

Can't help with personal experience though mate - sorry. My boys still have a few years to go until they start driving. I'm saving already !

[peterzs]

Cant remember the grandsons Ins Co, I'll ask him and let you know, he started with a 1.2 R reg Clio, £1200 odd with a box.

Now got a 1.4 Clio 51 reg, without a box £1400.

Tesco box, or Admiral and put dad or someone as a named driver.

Also have a look at this

http://www.moneysavingexpert.com/car-insurance/young-drivers

Good luck.

:bike::bike::bike::wave::wave::wave:

Snap Dan!!! :wave::wave::wave: was waiting for his ins co.

[caled]

I used Keith Michaels plc when I was younger: http://www.keithmichaels.co.uk

I wouldn't bother with comparison websites, go find a specialist broker

[daytona365]

Eeeeeeeeeeeeeeeeeeeeeeeeeh, in my day...My first car was a Ford Escort Rs1800. Bought it for £650, went to my local insurance broker and they insured me at 19 3rd party f&t for £125. No garage, no alarm. They gave me £50 excess I remember.

Back in 1985.............feel sorry for youngsters these days, but as they prove to be a bad risk what do you expect.

[Sean-2k]

I'm 27 and still paying over a grand with 5years ncb been driving since I was 17 I was paying 4500 on my old escort wen I was 18/19

[Skillen]

I'm 27 and still paying over a grand with 5years ncb been driving since I was 17 I was paying 4500 on my old escort wen I was 18/19

Mad! I pay almost a 1/4 that! Same circumstances!

[Stephen]

Guess its down to location then..

Iv payed around the £1000 on mine each year until i got the jetta... That was £500 and again the exeo and zt-t come in around the same price or less.

Iv just done a quote on a new MG6, 4 years ncb 21 year old and its £325!!

Keep looking round and you will get good somewhere.

[Bobdope2002]

when i first passed i had a astra mk3 cost me £1400 car cost £900

took my pass plus took it down to £800

was the same with pretty much all my zs's my 1.8 2.5 and my 110 were all 800 theyre or theyre abouts

My bmw was £350 and my type r now is £460 with 9ncb

3k is a bit excessive but i doubt youll get it much cheaper really

**** really for youngens now

[stamford]

I would strongly recommend you try Direct Line, two of daughters use them and no-one else came close. Remember they are not on any comparison sites. My eldest has been with them since 17 years old and got really cheap insurance every year. I don't think she has paid more than £600 fully comp.

I have since moved to them for the Vectra Elite where it is a basic £167, £234 with all the add-ons (NCB protection, legal cover& hire car) and the MGF SE is £152 but with the add-ons £184.

My girls both run brand new cars, Vauxhall Adam and the new Seat Ibiza, 25 and 21 years old, both pay no more than £400 fully comp.

[talkingcars]

My 19 year old is only paying £500 on her 100 with her mum as a named driver with Diamond.

[ian zs180]

Cheers everyone for your advice I appreciate it very much . And mick I think he is going to try direct line so I,ll let you know how he gets on thanks again guys .

[peterzs]

Dont forget the "named driver", bit.

Knocks it down quite a lot.

[B8sy]

A major factor is the history on car models, 1.2sxi is no doubt very popular with young lads and therefore no doubt crashed a lot which is bad news, he would be much better off getting something very unusual and unfortunately not so popular, insurance companies will know which cars are a liability. I pay 200 quid fully comp on zs 180, I'm 28 with 5 yrs nc. So location can play a major part as well but not much you can do about that.

[ian zs180]

Tried direct line still coming in over 3 grand . Might be wise to sell the corsa and look for something not so popular like b8sy says. Maybe a rover 25 would be a good idea but then again that's a 1.4 engine so don't know if it would be . Pete that quote is with the named driver its over 4 grand on his own .

[petet16]

It maybe worth getting a few quotes with different cars, some cars seem to viewed as much bigger risks than others.

[B8sy]

I did an insurance quote on am Aston db9 a few years ago and it was 1200 quid fully comp, they obviously don't get crashed and not easy to steal. Try a few different motors, something boring for the first year or two and then once insurance starts to drop go for something a bit more fun.

[ian zs180]

Cheers guys I was thinking that myself so I said to him on the phone this afternoon what about a Nissan micra he laughed and said he would rather walk :rofl:

[M17TT180]

Cheers guys I was thinking that myself so I said to him on the phone this afternoon what about a Nissan micra he laughed and said he would rather walk :rofl:

I don't blame him!

[Dan1971]

The car is relevant for sure. The guy I share an office with's daughter passed her test yesterday.

Her quote for a through go compare for a 2003 Mini valued at 3K is £1700 via "insurethebox". The highest was £26K ....!!! :alcoholic:

[peterzs]

think a lot of the specialist insurers arnt on the Go compare type searches Dan.

[petet16]

One way that young drivers are saving on insurance is buying cars which qualify for classic insurance.

[stamford]

The deciding factors are car type, capacity and the postcode lottery! If you can keep it under 1.2 it will make a difference. Choose a chavless car and move house!

[ian zs180]

Well he is on the road paid £2,700 with ingenie . Glad I,m not 17 again the price of insurance these days for young drivers is a rip off .

[petet16]

Ouch !!!!