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Car insurance for teens now completely unaffordable?

240 replies

ginforall · 20/01/2024 19:10

Teen is nearing 17 so started looking at potential cars and insurance. I can't believe the prices of car insurance, I knew mine had gone up loads this year, but the price for DS to have his own policy is crazy. For DS it's approx on average £4000 a year depending on the car (this is for older cars, small engines eg VW polo). Do you have the car in your name and add the child to your insurance? Does that make it a lot cheaper? Just interested in how other people mange this?

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Yellowhammer09 · 09/05/2024 11:15

Those who say their teenagers don't need a car and can just get an Uber or taxi have obviously never lived far away from a big town. If I want a taxi where we live I have to book a taxi at least a week in advance, and there's no 24hr company so you can't call up and have one arrive.

My kids aren't old enough to drive yet but I'll be getting them little runarounds when the time comes.

Projectme · 09/05/2024 10:59

To keep costs to a minimum just buy a car that is Group 1 for insurance.

We looked for a VW Polo for our DD (now 18 and been driving a year) but it was going to cost £4k. Having looked at a VW Up/Skoda Citigo/Hyundai i10, the costs are a bit more manageable at around £1200.

That includes a black box and 6k miles p.a.

IrishIngrid76 · 09/05/2024 10:53

Admiral fleet with 2 cars on was £10.2k

AMuser · 08/05/2024 17:11

might just be where we live? London zone 2. Very very busy roads with lots of v expensive other cars? I tried different cars for insurance quotes before we bought for my so. and was so suprised that a 1.2 golf was no diffence to a skoda Citigo etc etc? We only bought the car afterwards …

obvs didn’t look at a Jeep or Merc etc. But has googled the v cheapest cars to insure for young drivers and made to difference for us sadly

Dreamlight · 08/05/2024 16:54

Have a look at Veygo, it's pretty reasonable cost wise for a young driver, they can insure for just a couple of hours use of the car when they need it.

19lottie82 · 08/05/2024 15:38

AMuser · 08/05/2024 15:29

The car itself is neither here nor there we discovered. The risk is to other cars they feel. So it’s location and their age gender and inexperience that they factor in.

Oh it definitely is. Compare the price difference between a 1.0 corsa and a 1.0 Aygo, for example.

goldenretrievermum5 · 08/05/2024 15:30

AMuser · 08/05/2024 15:29

The car itself is neither here nor there we discovered. The risk is to other cars they feel. So it’s location and their age gender and inexperience that they factor in.

Gender is not and cannot legally be factored in (unfortunately/fortunately depending on how you look at it)

AMuser · 08/05/2024 15:29

The car itself is neither here nor there we discovered. The risk is to other cars they feel. So it’s location and their age gender and inexperience that they factor in.

CalmConfident · 08/05/2024 12:25

Our highest quote was 12k for same car !

CalmConfident · 08/05/2024 12:23

Alltheshoes74 · 08/05/2024 11:56

I love all the 17yr old do not need a car comment - how about sporty kids who travel miles each month for competitions, train all hours for their sports and go to 6th forms miles away. My now 18yr old just passed - 1.2 polo, we have a fleet policy with them as main driver for their car - cost us about 1800 for the year but that's worth it in comparison to the running about!! 2nd child is 17 later this year and we will do the same again

Another sports parent here - DS17 has recently passed and it’s already transformed our logistics!

Oddly also a 1.2 polo, cost 3,100 with DS as main driver and black box. He’ sensible boy in general and become q confident driver.

goldenretrievermum5 · 08/05/2024 12:17

IrishIngrid76 · 07/05/2024 18:24

Hi Our daughter is 17 just passed her test on a manual car and we’re trying to get her insured on our ford focus. Hastings direct won’t even insure her and Admiral wants £10k how is this possible. My car is a 1 litre engine ford focus. How are kids supposed to be able to get driving Any suggestions please she’s devastated . Thank you

Go through a good local insurance broker, they are so helpful and will find you the best policy at the best price. I could’ve hugged ours! The lowest quote that we were able to get for DD before going through a broker was £8k, she managed to get us a fully comprehensive policy for £4k. Still not cheap but this was for a new 1.6l Mini so your DD’s should be a lot lower in an older 1l.

Comparison sites proved useless for DD and she was getting similarly mad quotes to yours. We looked at an older 1l polo before we settled on the Mini and those sites were quoting £16k for her first year!! Madness

Alltheshoes74 · 08/05/2024 11:59

Our fleet policy is admiral in case it helps anyone - we have 3 cars on it

Alltheshoes74 · 08/05/2024 11:56

I love all the 17yr old do not need a car comment - how about sporty kids who travel miles each month for competitions, train all hours for their sports and go to 6th forms miles away. My now 18yr old just passed - 1.2 polo, we have a fleet policy with them as main driver for their car - cost us about 1800 for the year but that's worth it in comparison to the running about!! 2nd child is 17 later this year and we will do the same again

WombatChocolate · 08/05/2024 09:10

£10k is mad. They clearly dont want the business.

Id have thought you could get it down below £2k. Still an awful lot though.

Lots of people recommend trying a broker like Adrian Flux by phone who can search and find something suitable.

Things that can make a difference are who is main driver (not suggesting fronting - just sometimes parents do drive the car more and putting them as main driver is both correct and much cheaper) where you live, mileage and of course previous claims.

What insurance group is that car?

Good luck. Hope you find something better.

19lottie82 · 07/05/2024 18:27

IrishIngrid76 · 07/05/2024 18:24

Hi Our daughter is 17 just passed her test on a manual car and we’re trying to get her insured on our ford focus. Hastings direct won’t even insure her and Admiral wants £10k how is this possible. My car is a 1 litre engine ford focus. How are kids supposed to be able to get driving Any suggestions please she’s devastated . Thank you

Have you tried comparison sites? Is £10k the cheapest?

IrishIngrid76 · 07/05/2024 18:24

Hi Our daughter is 17 just passed her test on a manual car and we’re trying to get her insured on our ford focus. Hastings direct won’t even insure her and Admiral wants £10k how is this possible. My car is a 1 litre engine ford focus. How are kids supposed to be able to get driving Any suggestions please she’s devastated . Thank you

Harveypuss · 15/03/2024 16:07

Squirrelsonthescaffolding · 20/01/2024 19:42

my friend uses a company called marmalade with a chip or something that connects to her son’s phone I think. it’s only if her son does less than 50% of the mileage and you buy insurance for a certain number of miles, eg 500 miles and seems to be cheaper for them. So suits some situations. It also gives the parent access to their driving score.

Another vote for Marmalade. My two have this app, with a gizmo tracker thing in the cars, and pay for a certain amount of miles as a PAYG type arrangement. It works out a lot cheaper for young drivers. It works alongside full insurance on a parents' car.

DuesToTheDirt · 15/03/2024 13:55

Mademetoxic · 21/01/2024 20:23

Wow, that will have scarred you for life. 🙁

This thread reappeared on my feed just after I read this article... https://www.bbc.co.uk/articles/c517rnryj04o

Three men in the pub smiling to camera

The young men driving themselves to death

Lewis Moghul and Sammy Phillips died in a high-speed crash 45 minutes after this photo was taken.

https://www.bbc.co.uk/articles/c517rnryj04o

WombatChocolate · 14/03/2024 19:41

I think that actually people aren’t necessarily disagreeing but looking at the issue slightly differently.

In the end, anyone child or adult, can only have a car if they can afford it - afford to learn to drive, have access to a car and can insure it. Someone has to pay. Lots of people can’t afford to do that regardless of where they live and regardless of public transport availability or none. Their ‘need’ to get about is pretty irrelevant if they can’t actually afford it. Hence loads of adults and teen live in places and are pretty isolated and have limited options for work and socially because the public transport available restricts them and they can’t afford a car. It’s quite simply a feature of poverty/ lack of affluence.

Lots of people keep saying their rural teens need cars. They need cars to get to school or college or to their jobs. Well yes, having access to a car will mean they can access those things and mean those school or job options are available to them. Presumably many parents in these ideas EXPECT their kids to learn to drive quickly so these opportunities can be accessed. But not every teen will learn in those areas due to cost. They simply then don’t have access to those schools or jobs unless their parents take them or public transport allows it. And those with parents who don’t drive, simply have very limited opportunities.

Many parents of MN feel their kids ‘need’ to drive in the sense that they feel they ‘need’ to access opportunities in education and work which require a car journey. They then cobble together the money to fund driving lessons, tests, insurance etc. They felt it was needed. Of course, other teens living near them won’t have that and still manage to live. Many find it impossible to concenive of a situation where families cannot cobble together than money - but given we are talking about a good couple of £k and probably more, lots of families simply can’t put their hands on that kind of money. Teens themselves might have work (if they live somewhere where they can get to the work - possibly catch 22 if they live remotely) but generating the amounts needed for lessons and insurance and buying a car, if your family doesn’t have one is extremely difficult for a teen with part time job in education.

In the end, I’d agree that learning to drive and having access to a car as a 17/18 year old is a luxury. It’s a brilliant, really useful thing that opens up all kinds of opportunities to them and often enables them to continue with education ir jobs that parents have previously facilitated through lifts, but always hoped not to have to drive them to beyond 17/18.
But other teens and their families don’t have these options. They have to choose schools or colleges and jobs or no jobs based on public transport and the fact they know their family or teen will not have access to a car. Their world is smaller and has less opportunities. But that is how it is for many families. And those with cars and whose teens learn to drive whilst at school often struggle to understand that it isn’t simply a ‘need’ - if you struggle to pay for gas and food and have no savings in the bank, then funding your teen to drive just isn’t possible, and even if they have a job it’s not likely to be possible.

Several people talk about not being handed anything as teens. They talk about learning in their late 20s or 30s and only when they could fully find it themselves through their own work. That is the reality for lots of people. And with rising costs if lessons and cars and insurance, more families will find their teens can’t learn until they are in full-time work and funding themselves. The widening of the gap between haves and have-nots is growing.

People don’t die if they don’t have access to a car as a teen or an adult. In that sense, it isn’t a ‘need’. In many areas, people can get about via public transport, if not as easily as with a car. In other areas, public transport is poor and opportunities severely limited by not having a car. You could say you ‘need’ it to access opportunities. Yes, but it’s still a luxury many can’t have as they can’t afford it and their families can’t afford it. And they still live. But absolutely it opens opportunities. And families who can afford to give their kids opportunities often will make other sacrifices because they see during as opening doors. It does, but if you can’t afford it, you can’t.

Some people seem unable to acknowledge that some people simply can’t afford it.

Nowayjose123 · 22/01/2024 19:19

I'm not noticing any nastiness? My personal feeling is that 17 is too young to drive and I would prefer my children to be older and more mature, this I refuse to facilitate any lessons or cars. It's a personal choice.

Marchintospring · 22/01/2024 19:17

Blankscreen · 22/01/2024 16:43

Just come back to this thread.

The op asked for help re insurance costs not whether or not her son should learn to drive.

Some people really have a chip on their shoulder.

Shock horror some people buy their kids, cars, pay for lessons and pay for the insurance, some can't pay for anything and others do a combo of anywhere in between.

So much nastiness.

The Op opening line was Teen is nearing 17 so started looking at potential cars and insurance. I can't believe the prices of car insurance. So not even started learning yet.

Some of us have been discussing the huge cost of car ownership because driving is seen as an essential life skill that you have failed your children if you don't provide . We are reassuring the Op. Yes it is either expensive or very expensive .

Some of us have pointed out many families just can't afford it. Rural or not. Some kids will have to wait until they can pay for it themselves and the insurance reflects their increased maturity. its another suggestion not nastiness.

Blankscreen · 22/01/2024 16:43

Just come back to this thread.

The op asked for help re insurance costs not whether or not her son should learn to drive.

Some people really have a chip on their shoulder.

Shock horror some people buy their kids, cars, pay for lessons and pay for the insurance, some can't pay for anything and others do a combo of anywhere in between.

So much nastiness.

jcyclops · 21/01/2024 23:16

The fundamental principle of insurance is that the risk is shared - we all pay a premium and the unfortunate few who need to claim get paid out from the shared total that has been paid. If the insurers had no data to analyse, then everybody would pay the same. The problem is that insurers analyse individual data so that they can adjust premiums to closer reflect the individual risk. Taken to its ultimate destination, imagine 10 people of the same age, no points on their licence, all living in the same street and driving identical cars. 9 of them would pay £150 insurance and the 10th would pay £5000 as they have been predicted to be the one who will crash!

In 2012, insurers were banned from charging different prices according to gender, despite it being a definite factor in claims risk. I think they should also be banned from charging different prices according to age. No claims discounts would still apply, so a new driver would still pay much more than someone who has notched up 15 years without a claim. Alternatively the maximum differential between drivers (who have no claims or points on their licence) should be restricted to a maximum of about 4 times - so if the lowest they would charge is £400 then nobody should be charged more than £1600 for the same model of car.

Dixiechickonhols · 21/01/2024 21:50

Yes I found that last month. Wasn’t bad at all with dc on mine as a learner went up to £2300 when she passed. It’s gone up lots in last year or so. Our friends with kids early twenties were shocked.

Loopzy · 21/01/2024 21:37

CantFindTheBeat · 21/01/2024 20:34

@BrieAndChilli

Do check the cost of the insurance for when your DS is learning vs when he has passed.

It's often pretty cheap to add them as a learner as they are supervised - then it sky rockets once they have passed and will drive solo.

Also check the cost for adding DS to your Juke. The engineers are often turbo which can make young persons insurance prohibitive,

There's a huge difference between learner driver and new driver insurance, I was very surprised! It cost DS £297 for the year, to insure as a learner and £3,500 when he passed, this was on the same car.

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