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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

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

77 replies

themueslicamel · 16/05/2018 14:04

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?

OP posts:

adaline · 16/05/2018 16:08

That's not expensive for a 17yo.

What car are you trying to insure, and are you adding anyone on as a named driver?

TheFairyCaravan · 16/05/2018 16:09

If you’re insuring him on your car the best thing to do is get some Learner Driver Insurance for while he’s learning. That’s a stand alone policy so won’t impact your no claims etc should he have an accident. When ours were learning it was between £250-300 for the time they needed to practice.

We put both ours on our VW Polo for the first year after they passed and it was around £900. DH was the main driver (he really is) and the kids used the car as and when. That was with LV.

DS2 also had a little Clio which we insured with Ingenie. That cost £1100 to begin with but came down to just under £900 over the year because he drove well. He did have a black box but there was no mileage limit or curfew.

FWIW our kids are 21&23 now and are both insured with 1stCentral. Both policies are less than £600. DS1 has a 3 Series BMW and DS2 a VW Polo. 1stCentral were the cheapest by miles.

SprogletsMum · 16/05/2018 16:11

Check Bell car insurance they've been the cheapest for me every time I've renewed. They do 10 month policies too so you build up your no claims quicker, and have a black box with no mileage limit. I think I paid £840 for my first 10 months but I was 27 but quotes with everyone else were at least £1600.

Original poster

themueslicamel · 16/05/2018 16:14

The car is a 2003 Polo 1.2 3 cylinder 6 valve with 55bhp

Nice to see others mentioning a Polo as a good first car.

It is fairly quick off the mark for it's size to be honest, but then it does have the same cubic capacity per cylinder as a 1.6 four cylinder car, however it does run out of steam rather quickly!

OP posts:

WaxOnFeckOff · 16/05/2018 16:15

I've just looked at DS1s stats on the insurance website. I think he must drive like a Granny. He's mainly just been driving to school and back. I can do that journey (one way) in less than 15 minutes without speeding, it takes him 19. The route is a mixture of 20/30/40/50 and 60 limits so whilst is isn't long, he does get a good variety.

Original poster

themueslicamel · 16/05/2018 16:16

We have added ourselves as drivers, with dp as main driver as there is 4 years no claims going spare at the moment we can use!

OP posts:

Randomuser789 · 16/05/2018 16:17

Yes very U. I passed aged 22, female with parent on the car and black box (just outside London) and paid around £1600 so you’re getting very cheap quotes.
That was with 8000 miles though.

WaxOnFeckOff · 16/05/2018 16:17

I think it was Bell that I saw the 10 month policy with too, however as I said it wasn't really the best deal for us since we wont get much use of the 1 year no claims as DS2 will get added to the same car. Then it will be difficult to know who the main driver will be as they will have to share.

WaxOnFeckOff · 16/05/2018 16:18

Will DP be the main driver? If not you will be fronting and likely have your insurance voided and then struggle to get another policy.

Original poster

themueslicamel · 16/05/2018 16:19

I think dp will definitely drive it the most to be honest, so no risk there

OP posts:

reallybadidea · 16/05/2018 16:21

Who is the legal owner of the car? Fgs only put your DH as the main driver if he really and truly is going to be the main driver. Insurance companies are wise to parents pretending to be the main driver to bring the cost down.

Xenia · 16/05/2018 16:22

Ours just had to lump is sharing our car as most families do. It is a rare famly that provides a car to each child surely! Even so when I added the twins as learner I think it added £`1k to my annual insurance cost. Then it came down when they passed their tests 7 months later which surprised me because surely when you are a learner you are really safe and always driving with your parent or instructor present and then when you pass you are let loose and yet it goes down (down a bit - not to the level it used to be).

WaxOnFeckOff · 16/05/2018 16:24

That's good then, though tbh it cost the same to insure DS as a named driver on my policy as it did for him to have a policy in his own name on his car with DH and I as named drivers. I just thought it might give us extra flexibility of he was able to drive more than one car. We both have the same car. Insurance company wanted £750 to add him as a named driver on mine even though he has his own car and policy. He needed to use my car the day his box was being fitted and it only cost me £2.40 to add him for the day to mine. That was cheaper than the two buses and train he'd need to take instead.

WaxOnFeckOff · 16/05/2018 16:29

Xenia, I know :( We tried to make it work with him using one of our cars but we all need to be in different places at the same time and public transport is really crap. DS2 wont be getting a car too. The car DS1 has is deemed an extra family car and will be shared once DS2 passes. there is only a year between them I traded in my car to get two small ones as I will have less need to be carrying both DSs at the same time now. DH will keep his bigger car as he is more attached to it than I was to mine :) Though he keeps "borrowing" mine now as he's taken a fancy to it.

IfNot · 16/05/2018 16:32

God that's cheap for a teenager.
My friend is on my insurance (she passed her test over a year ago). She just did a quote for a car she wanted to buy-1200 and no option to pay monthly! She's 41..it's kind of a myth that older people always pay less. No nc= high insurance.
I think they have changed the rules about monthly payments too because I'm sure I always paid monthly when my insurance was high.

Birdsgottafly · 16/05/2018 16:33

We live in Liverpool, my DD, going to be 22 when she wants the insurance has been quoted £5k+.

I'm trying to convince her that it's still worth getting her driving licence.

Original poster

themueslicamel · 16/05/2018 16:34

We have the car already, main driver is the person we registered it to, and do an I will be named drivers.

Dp and I share the main family car, so no trickery going on

OP posts:

bellsbuss · 16/05/2018 16:36

We paid £1200 2 years ago for DD with Carrot insurers with a black box. It was for a set amount of miles but you had the option to pay extra if you needed more

Munchyseeds · 16/05/2018 16:41

Sad to say but it sounds about right

FizzyGreenWater · 16/05/2018 16:49

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

I now have a mental picture of your husband's dick with an evil little face at the end and loads of sharp pointy teeth, like Alien

RedPandaMama · 16/05/2018 16:55

The first year is expensive. When I was 18 (4 years ago) my insurance was £1800 with a black box on my 1.4l 2006 Golf. Second year it was down to £1000 with no black box. Third year £800. This year £430.

Tips:
Go through topcashback - I got £50 cashback this year.
Pay on credit card if there are no extra fees, we got half a percent cashback through our Aqua credit card.
Try different things with mileage amounts, job titles etc. I'm a sales executive but putting sales assistant was £40 cheaper. Also weirdly business cover included was cheaper than just pleasure driving or pleasure and commuting.
Insure the car in advance. Insuring my car 5 weeks in advance cost us £150 on the same-day price.
Add adults as named drivers, if you have no claims it brings down the premium a lot.
We found £150 was the cheapest voluntary excess amount.

Frax · 16/05/2018 17:03

A lot of young people only learn now when they leave university.
Not round here. We are rural with little public transport, every 17 year old I know learns to drive asap. It's also much harder to fit in lessons when you are older and working.
Of course country roads are the highest risk for accidents .
My main advice would be not to rush the lessons, never do an intensive course and get practice in all weathers and road conditions.
We avoided black boxes as I was still the main driver when DC were 17. When we got DS a car at 19 he had two years driving experience and his insurance was £800.

Original poster

themueslicamel · 16/05/2018 17:08

Red panda mama

Thanks, some great tips there

OP posts:

FairyDogMother11 · 16/05/2018 17:10

I'm 24, insured myself on my first car this year having just passed my test...I'm spending £1500 (without a black box though and highish mileage) and that was a lot cheaper than a few of my friends who passed within the last year

gg5891 · 16/05/2018 18:04

Have you added yourselves as named drivers? Made a small difference when looking for my cousin - we added 4 named drivers who all had no points and large no claims

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