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First car insurance ridiculous cost

26 replies

ilovemykindle · 01/08/2026 16:24

Our granddaughter passed her driving test yesterday. She is the first in that house to be able to drive.
Her mum never learnt and step dad has epilepsy.
Looked on different sites to be quoted £615 per month was the dearest and £275 per month cheapest and these had a black box. She does work but only part time as she is attending college again in September. Overtime can't be counted as permanent hours worked.
Her car is a 1 litre Hyundai.
I've advised her to try an insurance broker.
Any suggestions on what else she can do to make it cheaper.

OP posts:
cestlavielife · 01/08/2026 16:26

Can she add you as a named driver?

Shinyandnew1 · 01/08/2026 16:26

Can she add you or someone else in the family onto the policy as an additional driver as this often brings the price down?

WonderingWanda · 01/08/2026 16:27

That seems quite reasonable, especially the ones with the black box. How much do you pay yourself op? What do you imagine it will cost?

Favouritefruits · 01/08/2026 16:27

That seems about the going rate for a young first time driver, doubt you’ll get much cheaper than £275 if your paying monthly, paying yearly will bring it down as will getting a insurance band 1 car (not sure which Hyundai you have)

ilovemykindle · 01/08/2026 16:28

We don't live in the same country so unfortunately it can't be done.

OP posts:
Chesticles · 01/08/2026 16:28

Leave it a month and try again. Insurance companies seem to charge more if you passed your test in the previous couple of days. It will still be expensive though! Insurance for under 25s always is.

MotherofPufflings · 01/08/2026 16:30

Have you got her down on the insurance as student or employed part time? Student may be cheaper and it's completely legitimate as she is counted as in full time education for benefits etc. Also worth seeing if it's cheaper with you added as a named driver.

SnowflakeSmasher86 · 01/08/2026 16:33

Sounds cheap to me! My kids have been paying at least £1000 during their first year of driving. It does go down the second year providing no claims.

MotherofPufflings · 01/08/2026 16:36

SnowflakeSmasher86 · 01/08/2026 16:33

Sounds cheap to me! My kids have been paying at least £1000 during their first year of driving. It does go down the second year providing no claims.

The prices in the op are per month

WhosGotTheKeysToMyBimma · 01/08/2026 16:36

Buy a different car. Something that older people drive.

i10, Peugeot 107, Fiat 500, VW up, Skoda citigo, Ford Ka/fiesta all those small 1l cars are what all young drivers and elderly people buy & as a result are more expensive to insure.

A boring old saloon or SUV is probably what she needs for cheaper insurance. Not cheap, it's never going to be cheap for a young new driver, but maybe not prohibitively expensive.

BatshitIsTheOnlyExplanation · 01/08/2026 16:39

my DD's first year of insurance was about £1800 for a 1L 10 year old Nissan Micra.

tinyspiny · 01/08/2026 16:41

Seems very reasonable to me , insurance for new drivers has been high for a long time and insurance generally has got more expensive .

SnowflakeSmasher86 · 01/08/2026 16:41

MotherofPufflings · 01/08/2026 16:36

The prices in the op are per month

Ah oops! That sounds a bit more like it. I know it varies a lot depending on which car, but I thought it was suspiciously cheap!

Middleaged73 · 01/08/2026 16:42

Try after she is 18 and it can get cheaper

Ted27 · 01/08/2026 16:46

@ilovemykindle

is there anyone who could be asked to be a named driver?
I don't drive and several friends offered to do it for my son.
Black box
As she is at college look at student insurance sites

Nearlyadoctor · 01/08/2026 16:47

Dd has a 1.2 litre i10 and hers is just under £800 a year with a black box 2 weeks after passing her test. I’m also a named driver and that’s with Hastings direct.

edited to add she’s still 17, and the car is registered in her name.

Rosetter · 01/08/2026 16:50

Delay the start date for the insurance if possible. That makes a big difference....i.e. 28 days from now will be cheaper than the insurance starting tomorrow.

BakedPotatoBeansCheeseColeslaw · 01/08/2026 16:54

This is standard unfortunately.

When my now DH needed his first policy when we were about 23 (he had only been on parents insurance before as was away at uni and did t need a car), we ended up paying for a special 10 month build-up-your-record policy with admiral I think it was.

My first insurance policy was £1500/year 10 years ago and I was 24 so not a teenager! My dad ended up paying for it and I paid him bank month as it was cheaper.

Its always the way unfortunately.

Now car and home insurance for both of us is £1100 for the whole year so it does come down!

SunwaysSystems · 01/08/2026 16:57

Set the start date for around 23 days later.
Pay annually rather than monthly if possible.
Is this fully comp?

Black box probably a good idea too.

pastadish · 01/08/2026 17:49

WhosGotTheKeysToMyBimma · 01/08/2026 16:36

Buy a different car. Something that older people drive.

i10, Peugeot 107, Fiat 500, VW up, Skoda citigo, Ford Ka/fiesta all those small 1l cars are what all young drivers and elderly people buy & as a result are more expensive to insure.

A boring old saloon or SUV is probably what she needs for cheaper insurance. Not cheap, it's never going to be cheap for a young new driver, but maybe not prohibitively expensive.

Edited

A ford KA was £3,200 for ds when he passed his test. A very basic one
He went into a different car and it was £4,200 but it was better specced.

ilovemykindle · 01/08/2026 18:06

It's sorted now. Thank you for your help.
Put in she is a student and starting the insurance from Wednesday.
Don't understand the reason but starting today tomorrow Monday or Tuesday was nearly £300 per month.
Starting Wednesday it's £205 per month

OP posts:
JontyGentooey · 01/08/2026 18:10

Bloody hell, is that fully comp?

When I first passed 20 years ago mine was £800 for the year, I was 17. Third party only. Absolutely ancient Renault Clio, 1 litre.

Shinyandnew1 · 01/08/2026 18:29

ilovemykindle · 01/08/2026 18:06

It's sorted now. Thank you for your help.
Put in she is a student and starting the insurance from Wednesday.
Don't understand the reason but starting today tomorrow Monday or Tuesday was nearly £300 per month.
Starting Wednesday it's £205 per month

That’s still crazy! My DS paid just under £900 for the year for a similar sized car at 17 (with black box) a couple of years ago.

HackerMom · 09/08/2026 20:47

Congratulations to her.

Worth saying first: the quotes you're seeing aren't a reflection of anything you've done wrong. New drivers are priced on risk statistics as a group, and that group carries the highest premiums of any age band, especially in the first year. It's frustrating, but it's the market, not bad luck.

A suggestions that may help:
Named driver doesn't work the way it's often suggested, and it's a bit tricky in her case. The usual trick is adding an experienced driver from the household to bring the average risk down, but that only works if there's someone with a clean licence who'll actually use the car sometimes. Since her mum doesn't drive and there's no other licensed driver in the house, that route isn't really open to her the normal way. Do either of you, as her grandparents, hold a full clean licence and would genuinely and occasionally drive the car, ask an insurer or broker whether adding you as a named driver would help. It has to be a real arrangement though, not just a name added to shift the price, and if you're not local to her or won't actually use the car it may not move the number much anyway.

Since black box is already in the quotes she's had, the next step is checking specialist young driver telematics insurers directly rather than relying only on comparison sites. Names like Marmalade and ingenie build their whole model around new drivers and sometimes beat the black box products offered by mainstream insurers. Direct Line and Aviva are also worth checking separately, as your instinct already suggested, since they don't always show up on aggregators.

Ask for an annual price alongside the monthly one. Paying monthly through an insurer usually includes a built in finance charge, so the true annual cost can be noticeably higher than it looks. If there's any way to pay annually, even using a 0% card rather than the insurer's own instalment plan, it's worth comparing the total cost both ways.

A broker is a good next move, as you've already suggested. They can access panels of insurers that don't appear on price comparison sites at all, which matters more for higher risk profiles like new drivers.

A few small things that sometimes move the price: parking off road on a driveway rather than on the street if that's an option, adding a Thatcham approved alarm or tracker, and double checking the annual mileage estimate is realistic rather than rounded up.

Check quotes in advance: Make sure that you put you need the insurance 15-20 days in advance. Not tomorrow or in a few days time. Insurers identify those that plan in advance as less risky than those that are last minute and you'll often see discounted prices for 15 days out.

Her occupation status may be worth revisiting. Once she's formally enrolled at college in September, it's worth re quoting with "student" as her declared occupation. Insurers weight this differently, and it can move the price in either direction, so it's worth checking rather than assuming.

It's also fair to expect this to ease somewhat after year one. A clean first year, especially on a telematics policy, tends to bring the renewal down. That's not guaranteed, but it is the general pattern insurers reward.

Danhausenrocks · 09/08/2026 20:49

How often is she driving? If it’s just once a month or so might be worth looking at the costs of temporary insurance - so you literally take advantage of a pay as you go solution, only be bc insured for the specific times she’s driving. But that only works if she doesn’t own the car.

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