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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

to not expect a £7000 jump in insurance by naming my son on policy!!!

122 replies

cricketballs · 02/04/2011 10:35

my eldest ds is 17 in a few months. He has asked for driving lessons for his birthday and we thought this was quite reasonable.
Whilst I have heard about the stupid insurance quotes for young drivers insuring their own car, I have just run a quote on my 5 year old Focus with him as a named driver (increased his dob by a year so it looked normal) just to have a look....

My premium this year with myself and dh, fully comp, 8+ NCD and £0 excess was £250. The cheapest quote I have found so far this morning with adding ds as a 17 year old who passed his test last month is £7000!

Is there any wonder so many young drivers have no insurance? There is no way we could afford to pay that a year so how is he supposed to gain the driving experiance needed in order to lower his premiums?

OP posts:

nethunsreject · 02/04/2011 10:37

Bloody hell! I thought you must have a sports car!

NotQuiteCockney · 02/04/2011 10:37

It's pretty high - would him doing a scheme like Pass Plus or Advanced Driving or something reduce the premiums?

Original poster

cricketballs · 02/04/2011 10:38

I did go and check the drive just incase it had changed overnight to the batmobile!

OP posts:

Original poster

cricketballs · 02/04/2011 10:42

for him to insure my car on his own we aould be looking at around £9500....

OP posts:

risingstar · 02/04/2011 10:42

you need to go to a broker or look for specialist schemes for young drivers. if you just plonk your details into a comparison website you will not get anything vaguely payable.

the other part of it is that realistically the risk your son poses, being 17 and not having passed his test is not one that many would want to take on. pay for lessons, get him through his test, premiums will come down.

or, tell him he needs to wait until he is 18.

Original poster

cricketballs · 02/04/2011 10:44

but the highest so far is from the green insurance company who quoted £25261.77!

OP posts:

valiumredhead · 02/04/2011 10:44

Yeah - massive premiums for young drivers.

mollymole · 02/04/2011 10:45

that is very high would have thought should have been around £2000 more it
does not work putting them on your policy as they just add the young driver regardless - what does sometimes help is insuring the young driver on their own car and adding a more experienced driver as the 2nd driver - and that way they earn their own NCB - and anything over 1100cc seems to trocket the premium they need a group 1 or 2 insurance car - have been through this and sympathise with you

suzikettles · 02/04/2011 10:46

Wow - for £25k he could write off two new cars a year and they'd still be quids in.

Note: 2 new cars of the sort I'd ever be able to afford. Actually, make that 8 cars worth of the sort I actually drive.

Original poster

cricketballs · 02/04/2011 10:46

risingstar I entered his details as a 17 year old who HAD passed his test. The £9500 - £25000 quaotes were on specialist young driver brokker sites.

I can understand now why so many young drivers are uninsured

OP posts:

Niceguy2 · 02/04/2011 10:47

17 year old boy....£7000....for a 5 year old focus...sounds pretty cheap to me.

A mate of mine was quoted £6000 for an old Corsa worth about £1k.

Birdsgottafly · 02/04/2011 10:49

My son in law (under 25) payed just under £5000 on a small car (we live in a 'dodgy postcode area' though). Before anyone bangs on about not needing a car, he applied weekly for jobs until he got his present one. Public transport does not run at the time of the morning he has to start work. It was my arguement when the EU ruled that there now cannot be women only insurance companies that the cost should now not increase because young male drivers are already picking up the cost of some.

I think research is needed to how much people pay around the world. Watching Judge Judy, an eighteen year old's insurance was $200 per year. Insurance companies have global interests so cannot justify what they charge in the UK.

suzikettles · 02/04/2011 10:49

Wasn't there something in the press a while back about pay-as-you-go insurance for young drivers? Did that not come to anything?

Iirc, it was prohibitively expensive if they drove after a certain time at night but made it more affordable than a normal policy if they just drove during daylight hours.

mumblechum1 · 02/04/2011 10:51

Get yourself onto Young Marmalade. They're not cheap but not as ridiculous as the figues on this thread.

Original poster

cricketballs · 02/04/2011 10:52

niceguy the £7000 was just as a named on my car and my policy

OP posts:

Oakmaiden · 02/04/2011 10:56

Can you insure for "any driver"? I think insurance for younger boys/men comes down when they are 24 or 25- - until then it might be wirth just not naming him on the car - and if he gets his own car, then insuring it on his behalf....

zipzap · 02/04/2011 11:02

Try putting him in as a learner. I have a friend whose son is 17, he's not taking his test until next year even though he is driving well enough to now just because the insurance premiums jump so much once he passes whereas if he is still a learner and thus I guess has a responsible adult in the car with him the premiums were significantly lower.

thefirstMrsDeVere · 02/04/2011 11:07

They dont want to insure your son,that is why they are pricing him out of the question.

17 year old boys cost insurers a lot of money and we all know how insurers love to pay out

Some poor lad got quoted 100,000 the other day if the tabs are to be believed.

Mind you I wouldnt want my DS anywhere near a car. He can bearly walk down the street in a straight line.

EllAEllO · 02/04/2011 11:16

some advice here
Including 'Young Marmalade' that mumblechum suggested.

I'm 29 and passed in November- mines £1800 on a 2.0 Megane- and I thought I had it rough!
Hope you manage to find something much cheaper.

EllAEllO · 02/04/2011 11:18

I shouldn't have put 'that' before mumblechum- it looks like I'm saying that mumblechum.

Sorry!

MrsChemist · 02/04/2011 11:18

Bloody hell! I thought mine was expensive at £1700.
Next time it's renewed, I'll (touch wood) have 1years NCB and be 25, so hopefully it will drop, though in reality, increases in the past year on insurance will mean it'll be about the same

Your DS might have to wait a few years, unfortunately. Though I can't help but think that these stupid prices will increase the number of uninsured drivers on the road.

Salmotrutta · 02/04/2011 11:22

So is it just boys these mad quotes are for? What are the figures like for girls?

littlejo67 · 02/04/2011 11:25

My son is currently a learner driver and I pay £90 a month on provisional marmalde. If he passes his test it will rocket to £300 a month to insure him on my policy or if I get him a cheap run around.
Therefore when he passes he will not be able to drive again! He will have to stay as long as he is able on a provisional licence and be my driver. At least he gets lots of experience driving me around.

I just think its crazy that as soon as he passes he is inhibited from driving again and therefore becoming more experienced. Does anyone know how long you can hold a provisional for?

We are going to explain this to driving instructor. At least on his provisional he stays driving.

suzikettles · 02/04/2011 11:27

littlejo67, dh has had a provisional licence for 21 years and there's a while to go on it yet......

lalabaloo · 02/04/2011 11:38

I don't know if its any help buy when I passed 3 years ago Bell insurance was the cheapest for me, I think it was about £1600

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