To wonder how young people afford car insurance?

[JacobReesMogadishu]

Dd is hopefully about to pass her test so I’m playing around getting car quotes for her. If we buy her a cheap, old 1ltr fiesta run around the quotes are £1500 for the year!

My car insurance firm won’t insure drivers under 25 so I can’t add her to my insurers unless I change insurance. I’ll go and get quotes for that in a minute but seeing as my car is a massive 1.8ltr car I can’t imagine it’ll be cheaper.

Can anyone please recommend a firm or some way of doing it cheaper. Go compare didn’t ask about black boxes and we’d be happy with this if it brought the quote down.

My dd first insurance was with Gogirl , might be worth a try. A small car with a 1 litre engine and a black box will get her cheaper insurance as will putting you and/ or your partner on her insurance too.
Insurance for young people is extortionate. Just be grateful shes not a boy as despite allegedly insurers are not meant to discriminate between young men and young women but they do!
Ime insurance for an 18 year old who has just past their test can easily be in the £1500 range but DD is now 21 with 2 years no claim bonus and her insurance is £600 so it does get better!

I'm afraid this is one of the troubles with being young nowadays. My car insurance on my 1.2 Renault clio didnt drop below £700 a year until after I was 26. And initially it was about £1500.

I would be wary of a black box due to restriction on hours of driving/number of miles you can do a month/additional charges and them monitoring how you drive etc

Hi OP probably been said already have you done compare the market? And peugeot 107 and toyota aygo comes up £750 as well. Without a named driver. One of the £750 quotes was with RAC with a £200 excess I think.

Add yourself and DH as the more drivers the cheaper the policy. Dash cam and black box help. They thing is it doesn’t matter the value of the car they are driving, the insurance is higher in case they hit something of high value, a Lexus, a Bentley etc. It will go down big by bit, I was lucky as I was on my dads car insurance which was motability as I had to drive on his behalf and had company insured demo cars for my first few years.

They thing is it doesn’t matter the value of the car they are driving, the insurance is higher in case they hit something of high value

The value of the car they are driving absolutely does matter and we have insurance 'categories' for this every thing.

To wonder how young people afford car insurance?

The short answer is a lot don't. Getting a car in your late teens is becoming less common. Location matters hugely and in high risk areas it's probably the reserve of children with fairly rich parents. If you want to get your daughter cheaper car insurance, the single most effective thing you can do is move house to a low-risk area. (Of course you probably don't consider this practical.) I passed in my late 20s and still had to pay over £1500 in my first year with a black box. Postcode in the top ten highest risk in the country.

That said, I've read that 17-19 is now considered lower risk than 20-24. And you're getting bigger differences between cars than I had expected.

Insurers may vary, but my understanding is driving to more than one workplace requires class 1 business use.

All the quotes are just 3rd party, with dh on the insurance as a named driver.

This is usually a mistake. Fully comp with a fairly high excess is usually the cheapest.

It's always been expensive. My first insurance (3rd party, fire and theft) was £500 for a year which for me then was a month's salary so about comparable to today's prices. I also had to wait until I was working before I paid for lessons, a car and insurance as back then kids didn't get everything for just turning 17.

I passed at 25 and drove an insurance group 1 car as it was cheapest, and that was £1300 the first year, it's horrendous! It does come down quickly though :)

DS joined the Army at 17 so was financially independent. Is how.
But you know, that involves common MN definition of "something I would never allow my children to do". Getting skills & being responsible & financially independent not adequate for some.

Has an old and incredibly reliable VW Golf. Black box helped... I think at 20yo he's now got the annual insurance down below £1k. Worst initial quote was £4k with no blackbox.

The value of the car they are driving absolutely does matter and we have insurance 'categories' for this every thing.

It barely matters, at least with cars of ‘normal’ value. It doesn’t really matter to an insurer whether you write off your £5k car or £20k car what you’re really covering is the potential for you to do £millions in damage. Not sure what you mean by ‘categories’? If you mean insurance groups then they apply to the car whether it’s worth £50k or £50.

It really is just the first year that will be ridiculous. In my second year driving I went from a group 2 to a group 12 and it cost me an extra £150 for the year. In year 3 now and its come down again. About £500 for the year.

Gumtree has about 35 C1 automatics

Haven’t read the replies but generally older cars are more to insure (depending how old ofcourse).

vw polo are amongst cheapest to insure. Add yourself as a named driver would help too.
For years I was a named driver on my mums policy as couldn’t afford the premiums on my own, until 5 years after passing my test!

My son recently passed his test and we paid less than £800 for his fully comp insurance. He has a 5 year old 1 litre car. He has a black box and both parents are named drivers.

I was doing quotes for my 18 year old dd last week, here's one that made me laugh 😂 i loved the extra payment a month later, what a bargain.

This was for her 2nd year with no black box, on a 2018 plate 1 litre car.

I eventually found one for £1k which is still a lot, but no black box

That's incrdible!

I've had comparison sites show quotes over 10 grand. It's basically the insurer saying fuck off, we don't want your business, but technically they've given a quote.

I've also had insurers' websites say they outright won't insure me. Now that I have some experience and NCB I presume, though cannot prove, it's down to my address.

Just to say I really don’t think it’s any more expensive than it’s ever been.

1993 I passed my test and 1.1l for fiesta cost me over £700. Doesn’t sound as bad as some of the quotes here until you consider that at 17 then I was working 40 plus hours a week for the grand annual total of £5,604.

Insurance is expensive for young inexperienced drivers. Always has been and always will be for obvious reasons.

And yes, I wrote the car off and did far more damage to a farmers wall than the value of the car

Adding yourself and putting a few different job titles in.

That's called quote manipulation and is fraudulent.

As long as the job title accurately describes what you do it's not fraudulent.

www.moneysavingexpert.com/insurance/car-insurance-job-picker/

As for named drivers, they have to be expect to actually drive the car. If you're all the same household, then I'd say it's reasonable - if your car breaks down you can use DDs.

Ok a lot of young men drive too fast and show off and have accidents.

But if they are just crashign the car because thye're crap drivers, why are they passing their test in the first place? Seems like the driving test is too easy.

I'm about to have this as ds is weeks away from taking (and hopefully passing!) his test. However, he won't have his own car and will be insured on mine (which I've had for a year and have been main driver of so no "fronting" here). It's a hybrid Yaris so it will be interesting to see what they come up with to add him to the policy. I pay just over £200 a year at the moment :(

We can test for ability. We can't test for attitude.

My mum was on my insurance and then she paid for the lot. If she hadn't I couldn't have afforded it until now when I'm working.

Otherwise black boxes

I had a black box with direct line, and one of my parents as an additional driver - they dont appear on comparison sites.

It is a shame for young people. I passed my test at 37 and insurance has been cheap despite me having an at fault claim a few months after passing my test and driving 1.4 and 1.6 engines.