Teen car insurance(11 Posts)
Not parenting per se but could do with some advice: I've tried googling but of course to get a price they want details and I don't need it until next year so can't put details in etc...
ED (15) will not be staying on at the current school after GCSEs and in our search for alternatives it's very clear that we need to get her independently mobile asap after her 17th birthday.
So, how much approximately does insurance cost for a starter car (say 1litre small second hand car not fancy) for a 17 year old who has just passed their test, and how can we keep the costs down? I've heard of black boxes but do they limit the times they can drive? She'll be out at night probably.
This won't become relevant until next October but if we need to budget for a car, tax petrol and insurance I need at least a rough idea. For a little comparison, bus pass to the local school (where she (with our blessing) does not want to go to 6th form) is 2K per annum, and she won't be keeping regular school hours with her preferred courses.
We have just done this. Of course costs will not ionly depend on the car- where you live,expected mileage etc will also go into the equation.
We already have a multi car policy with admiral so added DS car to that. It's really important that you get it insured in her own name so she can start building up a no claims bonus. Admiral's black box doesn't limit hours etc but the data collected will be taken into account next year at renewal and hopefully will create a discount.myou can monitor your "score" online which is useful.
We bought a 2 year old reasonably fancy hatchback, cost £10k and the insurance pre passing the test was about £800, and afterwards £1200
Thank you. Not actually as bad as I thought then. Quite a relief!!
Try putting some details into a price comparison site. Obviously you'll have to use a different date of birth and pass date but it does mean you'll have a more accurate idea for your postcode.
Momb I thought that too but I don't know how much more it might have been if we didn't already have a multi car policy with admiral. Also we live in v low crime leafy suburbs with off street parking which also helps!
The price is very variable depending on where you live. As previous poster said, try getting quotes by putting in a dob that makes your DD look as though she's 17. This is what we did.
We looked at a 3 year old Fiat Panda for DS and got quotes of around £1000 with him as the main driver and having passed his test a few months earlier. In the end we decided against buying a car as his 1st & 2nd choice Unis don't allow cars on campus and his bus pass to college is only £40pm. He is, however, insured to drive one of our cars (also a Panda) and we pay £88pm for all 3 of us with DS being a named driver.
You are assuming that she will pass her driving test quickly and easily. That might not happen, you know.
Thank you Karbon for the reminder. We're rural so driving asap is pretty much a necessity here but we are jumping the gun a bit as she won't have much of a choice of schools unless we get the driving in place asap. She's autumn born and we will have to pay for taxis to get her to school until she can drive herself from Y12 unless she goes to the catchment school where she is now, which for many reasons will not be appropriate for her.
She'll have lots of opportunity to get to grips with the basics and practice off-road before her 17th, so we'll just have to hope for the best!
We used an off road driving school so DS was ready to go as soon as he turned 17- you can order the provisional driving licence pre birthday and once you receive that book the theory test. Plenty of online resources for learning the theory test. You do need to throw money at it - be warned. DS passed 3 months after his birthday and we probably spent upwards of £2k on lessons taken very intensively to achieve that
My main advice would be get an insurance quote before committing to buy a particular car. One 1l car was £700 more expensive then another make
the problem seems to be that the little cars are all driven by the teenagers who crash a lot, so the insurance companies see the little cars as a higher risk.
doesn't mean she should buy a bus, but you need to do the homework first by getting quotes. The price of the car itself is not relevant and a £500 ebay throwaway will do the job if carefully selected.
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