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Young Driver Insurance

(35 Posts)
Solo Wed 13-Jun-18 00:12:23

Hi all. I'm looking for some advice regarding my Ds's car insurance. He's with a well-known company but, he's totally freaking out with the black box as he's being marked down for even sitting stationary in traffic. It's costing an arm and a leg for not much annual mileage too. He's nearly 20 and only recently passed his test. We're in SE London; do any of you have any experience of these black boxes or any recommendations for insurance companies that he could look at, please? We have a day to change company if he's going to so I'll come back in the morning to check on any help that might be here.

TIA.

Solo Wed 13-Jun-18 09:33:37

No one had experience of this with their offspring?

GreatDuckCookery Wed 13-Jun-18 09:45:38

Hi OP, when DS first passed we went with Adrian Flux, it was quite a lot cheaper because of the black box, there was no curfew on when he could drive and I could keep an eye on his driving by having the app on my phone. Might be worth giving them a ring?

VelvetSpoon Wed 13-Jun-18 09:55:45

We're with Hastings Direct - never had any particular issues with their telematics box in the last 2 years but I'll admit we don't check the feedback that often - it cut DSs insurance by 50% when we renewed. First year was £1300 and 2nd year was £600 odd. Hoping it might reduce further when we renew in Sept.

Solo Wed 13-Jun-18 11:15:42

Neither will give a quote. But, thank you.

GreatDuckCookery Wed 13-Jun-18 11:20:12

Why not?

Kattymanners Wed 13-Jun-18 11:24:01

Nearly 20...

There’s the problem unfortunately.

It does get cheaper year after year.

We use more than easy wheels and it’s fine. Was £1300 first year, 2nd year went down to £800 but added a new provisional driver so up to £900.

ruby1234 Wed 13-Jun-18 11:49:57

We used Aviva for then19 year old DS, 1.4Ford Fiesta Zetec, insurance cost £800, no black box. He's 23 now and it is down to around £425.

I found them to be the cheapest by far, and you can call them and speak to a nice human.

user1468483366 Wed 13-Jun-18 12:05:34

My daughter had a black box fitted. It was the work of the devil! Invented speed limits, penalised her for doing a night shift at work despite supposedly have no restrictions. To be honest didn't make any difference to how much she paid with or without it.
She's now got a better deal without a black box and more benefits to her policy.

hellsbellsmelons Wed 13-Jun-18 12:32:43

My DD was with Co-operative young drivers and she had a black box but was never penalised as far as I know.
She did night shifts at the pub etc... and all was OK.
She's with someone else now and no black box.
I'll post when she tells me who it is.
She is 20 BTW but has been driving for 3 years.

hellsbellsmelons Wed 13-Jun-18 13:50:03

DD is now with 1stcentral.
Might be worth a shot?

TeenTimesTwo Wed 13-Jun-18 14:36:05

We have 3 cars with an Admiral Multicar insurance. This includes DD who we gave her own insurance to about 3 months after she passed her test when she was 18. Her old banger cost ~£600 to insure. No black box. We are in a low crime area.

Kezzie200 Wed 13-Jun-18 14:43:02

Admiral. Just started using them. No black box on this policy. £1000 plus we added some extras including breakdown and legal cover so paid £1100. I am also a named driver but that only made about £8 difference. We didn't do that to save but as I might drive it very occasionally. I understand we could have saved more with multicar insurance but I am not sure if we are going to keep our second car or sell it or trade it in and the renewal in 11 months away so we didn't this time. I will ring them though when the renewal finally come around. The policy is new so I have little evidence of how good the company is apart from for the original call but the guy I got appeared very knowledgeable.

Gretol Wed 13-Jun-18 14:44:55

Following. Absolutely do not want a black box as dds friends have said it makes driving incredibly stressful and thats the last thing she needs.

Gretol Wed 13-Jun-18 14:59:34

the cheapest policy i can find withno black box is £2k!!

Solo Wed 13-Jun-18 22:53:49

Thanks, everyone thanks. I understand that boys are penalised in the first instance. Good start then!

His More Than policy was £2052 for 5000 miles a year with a black box and me as a named driver. He said he was spending so much time looking at his speedo that it was incredibly stressful and dangerous! And yes to made up speeding reports too. His first day out he was doing 33 in a 40, saw the 40 sign and sped up to 36 and was knocked for going over the limit hmm. He phoned the insurance and asked about it and was told that the "satellites don't lie". I really do believe that this is all unfair on young people; I mean, I know some are going to be daft and some will have accidents but, I reckon those black boxes must cause kids to have accidents too, having a blinking spy watching your every move, knowing that being stuck in a traffic jam will go against you.
The chap that fitted Ds's box said "rather you than me, mate" and went on to explain that he took out more boxes after a month with More Than after they cancelled the policy due to the kid's 'misdemeanors' logged by the box than with any other company.

As it is, he's cancelled the policy. They are charging him £125 plus the mileage/time he's used so, probably around £200 for 2 weeks worth of stress!
If all goes to plan, I'll come back and let you know what we've done.

Thanks again. <and breathe >

Solo Fri 15-Jun-18 00:33:35

Yes! All good. I need to speak to Ds to ask about the link/connection but, if you are interested in cheaper, no box, no restrictions insurance for young drivers, PM me and I'll tell you once I know the above.

notacooldad Fri 15-Jun-18 00:37:59

the cheapest policy i can find withno black box is £2k!!
DS2's is 2k WITH a black box, as was DS1's 6 years ago when he passed.

We live in a terrible postcode area for people wanting car insurance.

Solo Fri 15-Jun-18 09:44:42

Notacooldad so do we.

Blobby10 Fri 15-Jun-18 09:56:16

Probably too late now but my daughter is insured with Ingenie - they specialise in drivers under 25. She has a 1.2 Renault Clio 08 plate and pays £850 per year for 8000 miles. She has me as a named driver and gets money back every quarter for driving well according to her black box. Their customer service is brilliant too - really helpful and friendly. The moneyback thing is a bit of a con - says she could get up to £70 per quarter but only ever gets £22 ish even though she gets Good on every aspect of driving.

When my eldest two (both boys) were driving my car I insured alternate years with Direct Line and Admiral so when one put the insurance up in the second year I went to the other for a year til they did the same thing! Had a black box though as I am a careful driver and didn't really mind anyone seeing my daily trips to work and back!

Solo Fri 15-Jun-18 10:42:17

Thanks Blobby10 smile I think the area you live in has a lot to do with the cost. We live in SE London and are punished for that with the cost of everything ime. What region are you in?

Zaphodsotherhead Fri 15-Jun-18 10:46:03

I encouraged my kids to wait a few years before buying cars/taking out insurance. My son was 23 before he got his own car (okay, it meant a few more years of me driving everywhere, but they were at Uni for three years and, I'm sorry, you don't have to take a car to Uni).

It meant their insurance was fairly sensible, plus they were earning decent money to pay it, by the time they needed it.

There's so much pressure to have to be seen to pass a driving test as soon as you are 17, but it's cripplingly expensive to be a parent of multiple kids, if you have to help pay to insure them. I just let my lot wait until they could pay for themselves.

notacooldad Fri 15-Jun-18 10:54:09

There's so much pressure to have to be seen to pass a driving test as soon as you are 17, but it's cripplingly expensive to be a parent of multiple kids, if you have to help pay to insure them

I kind of agree with. We paid for lessons, cars and insurance for my two lads at 17 DS is 21 now so has paid his own insurance for the last 2 years.
I am glad we did though. DS 2 is at college 35 miles away and often stops late on projects. The college is in the middle of the country side . He did spend a term cycling there and back but by the end of the week the poor devil was shattered!
DS1 was working but not on a fantastic wage. However once he passed his test he was able to drive the fleet vans which created opportunities. To do a wider range of work for the company and work across the country.

It was a huge win for us as they give us lifts now do we can have a drink and we are not running round after them. ( still bloody expensive though!)

Solo Fri 15-Jun-18 12:02:33

My Ds took his theory 2 years ago at 17 but, couldn't afford to take lessons etc. He has a loan from me to pay for insurance so, ultimately, he has to pay it all out for himself. So yes, he did wait until he was 19, nearly 20 to take his test and if I'm honest, if his theory wasn't running out, he'd have waited...Unfortunately, once you have your licence, you itch to get out there and 'learn to drive' properly - well most do.

LizB62A Fri 15-Jun-18 12:28:58

We're in West London. My son passed his test in May 2017 and got his first year's insurance with More Than Smart Wheels for about £1,800 with a black box. That's for a VW Up! - it's the only low group car that he could fit into (tall with long legs).

They reward for good driving (well, good according to their criteria).
The first quarter he got about £70 back on his premium but barely anything back on the other 9 months.

He started working in March 2018 and there are speed bumps on the way into his work car park, so his driving was marked down every time he drove over them.

When it was time to renew last month, Smart Wheels weren't the cheapest any more so he's gone to the RAC and they're charging £850 again with a black box (and, of course, it's a different black box so had to get the old one removed and the new one installed)

I'm hoping that if he gets through this second year without any accidents or speeding incidents, that his insurance will go down a lot again next year.

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