To expect car insurance for less than £1,200 for my teenager?!?

[themueslicamel]

Hi,

I have been looking through the threads for newbie car insurance and have processed quotes through for DS (17 next month) and for a £500 with a similar excess, car in group 1 with 4,000 miles a year limit and a box fitted, I can't see any change from £1,200-£1,300 a year?!?

I have a Greater London postcode in a low crime area, and have moved his age back 6 months with a full "license from" date of a month ago to get a fair illustration.

I have tried Marmalade and Insure the box, AIBU to expect something for just under a bag of sand?

Any other suggestions?

We have had a look too and I think DH said he’d been quoted around. £1K.

I’m not entirely in favour of 17 year olds driving but seem to be in a minority! I’m Irish and reading Irish newspapers it seems that there is a major accident with deaths and they all seem to be late teens. It’s quite scary and very sad.

I’ll be encouraging DS to do one of the advanced driving skills courses. Pass Plus I think one is called. For my peace of mind and it is supposed to bring the cost of insurance down.

‘Major accident with deaths every weekend’ that should have read!

That a great price. My DD was about the same age 17 as a learner-no age 21 is is about £350.

DD's was only £600ish when she passed. But she was 18 with a responsible sounding job, and we are on a 'multi-car' insurance, and the car is worth peanuts.
We have told her to allow for £1200 for next year in-case she upgrades the car or has an accident.

As you are driving the car too, can you make sure you drive it more than DS, and have yourself as the 'named driver' for the first year?

I think the fact that you’re in Greater London might be working in your favour. One of the main reasons why insurers are terrified of teenagers is because the ones with licences frequently end up giving lifts late at night to their mates - so they’ve got fifty million quid’s worth of students squeezed into the car, all chatting distracting the driver at high speed on a pitch dark B road.

London teens will still have accidents, but they’re more likely to be slower, so much lighter injuries, and there’s not as much pressure to give everyone else lifts.

If I were you I would bite that quote off with your husbands dick

CiderwithBuda I believe they have much stricter laws in Ireland for young drivers. Minimum one year as a learner, speed limits, compulsory p plates and most importantly no passengers. I wish the UK would follow suit.

Insure the box come out cheap but then they charge exhorbitant amounts if anything changes or you go over milage. Ds had a near perfect driving record but changed address for the last 2 months when he came home from uni and they wanted over £300 for those 2 months. If you look at their reviews and its the same story over and over again

there is a reason for the high premiums you know...

Dream on. It was £860 for me 15 years ago and that was with a 40% discount for Pass Plus and additional security (wheel lock etc).

I passed my test at 25 three years ago and my insurance was about a grand so £1200 for a teenage boy seems okay!

YABU, teenagers are high risk. If he is a safe driver the rate will go down in future years.

I paid £1200 when I first passed my test 11 years ago.
It goes up when you pass your test so if he's on his L's then that price is only going up!

Oh and I had pass plus certificate too and was just out of my teens and a girl so that would've been more if I'd been 17 and a boy. 🤷‍♀️
It's a decent enough price.

Frax - there still seems to be a huge amount of tragic accidents. Mainly rural areas. Single car collision, early hours of the morning and multiple deaths. It’s really sad.

We were £750 for a year for 17 year old just passed DS1. That's for 6000 a year with a box. He can earn more miles for good driving but he won't need them. I did find a policy for £700 that have cover for 10 months with a full year no claims after that but that wasn't much used to us as we'll need to insure DS2 as a new driver this time next year. I did see a policy with a self for box that you could unplug but you needed to commit to it being connected for a high percentage of the time.

That's cheap. We paid more for our first car in our mid 20s.

my suggestion is not to let him drive. A lot of young people only learn now when they leave university.

Oh and as motorway driving deemed the safest, it logs motorway miles and gives discount for those. There are no time restrictions but DS is pretty tame :)

We got our dds for about £800 on a Multicar policy from admiral when she was learning, with me and dh as named drivers (named drivers actually bring the policy price down) and it went up by £200 ish when she passed her test. No black box as me and dh occasionally drive her car. We're in Berkshire.

Yanbu it is very high as a figure generally BUT that’s quite cheap for him at that age. Unfortunately its sky high to insure and there’s been a lot of trouble with black boxes

We need DS to drive as our public transport is crap and he will be travelling daily to uni and needs a car to get to the station. It's good to learn young but only if they then have access to a car and regular practice after the test. Otherwise I agree that it would be as well to wait.

Should have said her car is a polo 7 years old so worth more than £500 but that's probably part of your problem, we were told the newer the car the cheaper the insurance as they're more likely to take care of it and newer cars are less likely to breakdown and cause an accident, have better brakes and safety systems etc. Try the quotes with a better car?

If he manages to build up a no claims discount, the cost will go down quickly, but that's not an unreasonable cost. Adding yourself and your DH as named drivers (assuming you have no points) will help bring the premiums down.

You could look into having a multi-car policy with yourself or your DH as main drivers, which also allows your DS to build up his no claims.

If I were you I would bite that quote off with your husbands dick
🤢🤢🤢🤮🤮🤮