Car insurance help

[Dsasd]

Dd is 27 she's hoping to pass her test soon . We are just looking for now. Money is not great she's looking for her first car. We are seeing some cars that are 1000-1500 or 2000 at a big stretch . We are looking at ones with small engines we saw a Toyota yaris it had a 1.2 engine the year was 2005 or 2004 the cheapest quote was 3300 a year . For 3rd party fire and theft.

Any advice on how to get cheaper car insurance ? We are in London

Just want to bump this hoping for a miracle

My advice is fully comprehensive only, older cars cost more to insure so go for a smaller engine size and newer year, break the cost down to monthly, yes it costs more as they add a little bit of interest but better that than having to pay all in one lump sum.

Unfortunately the insurance companies have gone up so much this year (i've been driving over 30 years) and i'm dreading mine at the end of the month, last years was shocking.

You can opt for a higher excess compulsory and voluntary (hopefully no accidents so won't have to use), or sometimes they offer a black box to monitor the driving but that may come with a restriction of when the car can be on the road. You can also pick an annual mileage ie 6000 miles or 8000 miles but remember to keep a note of what your mileage was as if you get close you need to inform them and ask for the policy to be amended (fee will be payable)

You could also add either yourself or your husband as a named driver as this may also lower the cost.

Can she add a named driver? Has she considered a black box type insurance? Unfortunately insurance has rocketed and im not sure theres any 'hacks' for cheaper insurance left.

Comprehensive insurance can be cheaper than 3rd party.
Also have a look at getting a black box installed.

No there's no one she/we know that can di that

The black box thing. I have heard that if you was to go 32 in a 30 it pushes your insurance up. Ie you may have to go slightly faster very briefly to avoid an accident. Also if your a bit sharp on the breaks so if a bike pulls out infront of you and you have to stop quickly you get penalised for it?

Don't you and her dad drive?

It doesn’t push your insurance up, it runs the risk of it being fully cancelled.

Named driver as it lowers the risk, you never even have to drive the car, just be named as a potential driver. I was on Dh's car insurance for 25 years before I actually drove his car. He can't even fit in mine (too tall) to drive it, still on the insurance because it reduces the ridiculous price of Ds1 who passed 2 years ago on my car.

Just run the numbers through a comparison site like comparethemarket.

The black box monitors a number of driving habits and you get flagged on each to get an overall score. You would start to be notified after each drive how you did so encourages good driving habits. It has to be fairly poor driving consistently to get insurance cancelled.

No . No one in the family drives

Although uncommon, there have been instances of black box policies being cancelled after one singular (and minor) instance of speeding. It’s not worth the risk although I do appreciate that for most young people at the minute it is the only feasible option re: insurance

Look at insurance costs for a slightly larger and less fashionable car, sounds odd by dsd was quoted less for a 1.6 newer large hatchback than a smaller Yaris. Worth exploring. Also look at different brands within class as they can vary a bit. My dd paid £900 with 2 years on her licence 1 years no claims this year but used a broker specific to her job.

A second driver would potentially be very helpful, a friend perhaps with 10 years + clean licence? Neighbour? Occupation matters too, sometimes there's a few jobs you could legitimately use, but one pushes the insurance up more than others.

Just a thought - is she an engineer, that proved a particular problem!

I believe that insurers consider 'cheap' cars as a higher risk - if your Dd needs the car long term it might be an idea to look into finance options on a newer car - it might save her money in the long run?

She would not pass the credit checks etc. She is not in work so she would not be able to do finance.

Being unemployed is viewed as a risk to insurers and will be heavily contributing to her high quotes. It’s worth waiting until she’s back in employment or studying before getting a car. Does she really need one right now?

Shes unlikely to be in work for a long time yet. Her son has special needs. When it asks for employment retails there's not an option for carer.

She may find the price drops massively if she waits a year, even if she's not driving in that time.

No she needs a car. Just have to try our best in finding a way I guess

You could try adding yourself onto the policy or adding it as a second car to your own policy.

Well, if she needs a car she'll likely just have to suck it up. Insurance has skyrocketed for everyone recently unfortunately.

It’s hideously expensive and there’s no way around it. DD’s insurance was £2500 on a £2500 ten year old car with a black box and they keep marking her down for the times of day she’s driving - to and from work! Both DH and I are named drivers.

I don't drive or have a license

If her son has special needs does he qualify for PIP or higher rate DLA? Has she looked at the Motability scheme?