WOW - AIBU to think Car Insurance is crazy for teenagers!

[hellsbellsmelons]

I can't believe it.
Just checking things out now and for a £500 V-Reg Clio for my 17 YO DD they want nearly £2500 per year!
WTF is going on?

Do any of you know of cheaper car insurance companies for teenage drivers?
Any suggestions greatly appreciated!

This is crazy.

broken, in our case yes it was an absolute necessity

although mine is 19, not 17

When DD aged 17 passed test a year ago she got a booklet from the driving test people which advertised Swinton; I was having a nightmare trying to get a decent quote from RAC who had been my broker for years; Swinton were fab and got me a quote from Aviva (I know they have been mentioned up thread) which was acceptable. A year down the line Swinton have now halved the quote (DD now 18 obv) but still with Aviva. Go Swinton!! (and no, I do not work for them ...)
We had two parents and the teenager on the policy; the car was mine and the policy in my name, and I do most of the driving in it.

And for us too broken
We live in the middle of nowhere.
No great transport links.
Weekdays not too bad.
Bus every 1.5 hours but the weekends is not the same.
There are certainly no buses back to our village after about 9pm and as she works in pubs and doesn't finish until 3am most of the time, it's an absolute necessity!

A little update for anyone interested.
A Ford KA for my DD at 17 YO on a provisional license with myself and her step dad as named drivers.......
£541.67!!
Couldn't believe it - soooo relieved!
It's with Go Girl car insurance, but others were very close to that price as well (GoCompare).
So it seems the car can make a difference as I checked a different car and it was £1500+ with all the same details.

Bit confused ? Has she passed her test or not ?

If she is only just learning take a look at marmalade. They have a policy to insure just the learner as long as the car is covered by a 'normal ' policy .

Of course when they pass that's when it gets expensive

DP found when he was younger that having a non-traditional 'young drivers car' brought his down. He had things like Astras and Vectras. He had a nice, but old Audi at one point too which was cheaper than having a small car!

I passed at 19 and got a car at 21, mine was £800 or so with just me on it but I'd passed the teenage-age!

No she hasn't passed her test yet.
It's really for practising in.
So it goes up when she passes her test?
That's mental. But this whole insurance thing is weird really!

OMG - you are so right.
Just changed license to 'FULL' and it's now £2268!!!
Eeekkkk......

But if she's on a provisional licence you'll have to re-insure once she passes her test and the costs will rocket as she won't be supervised...

Or has she passed her test but not sent off for the full licence, in which case the insurance is invalid if they think she's still a learner...

Checking in to the thread for all the good advice.

It definitely does pay to do your research.

In that case definitely look at marmalade. We chose this because it was much more cost effective having 2 seperate policies. Can't remember the exact number now but it was a lot cheaper.

They do have insurance policies for when they pass but we won't be able to use them as our car is too old.

Dds not passed Her test yet but its booked.

My sil does something where they can phone up and add nephew for a week / month at a time when he is home from uni.

I can understand why it is so high as DS1 managed to write off my car within 2 weeks of passing his test (car last seen upside down in a field, DS fine, Lil somewhat annoyed). He's never driven a car of mine since!
DS2 on the other hand is a very good driver (excellent spatial awareness).

Yes, I'm afraid, insurance for provisional drivers is a lot cheaper, based on the fact that they have to have a qualified driver with at least 39?) years experience supervising them.

You may get these costs down a bit, but I think you have to accept that if your DD really "needs" her own car at the age of 17, it's going to cost, a LOT. (sorry!)