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Share your dilemmas and get honest opinions from other Mumsnetters.

Car insurance for teens now completely unaffordable?

240 replies

ginforall · 20/01/2024 19:10

Teen is nearing 17 so started looking at potential cars and insurance. I can't believe the prices of car insurance, I knew mine had gone up loads this year, but the price for DS to have his own policy is crazy. For DS it's approx on average £4000 a year depending on the car (this is for older cars, small engines eg VW polo). Do you have the car in your name and add the child to your insurance? Does that make it a lot cheaper? Just interested in how other people mange this?

OP posts:
Hellocatshome · 21/01/2024 19:08

Dixiechickonhols · 21/01/2024 19:00

Lots of teen lad apprentices earn well but live at home though and even if insurance/car is taking most of wage they don’t have overheads an adult does with housing costs etc. The car is often the social life too. The only lad at sixth form my dc knows with his own car just works extra shifts he’s always up for it if dc need’s to get rid of her McDonald’s shift.
Some teens earn well - my neighbour’s grandson is at college and is on £20 an hour as a lifeguard and has his own car. McDonald’s pays £10.60 days, £13.60 nights to teens.
As an adult with £800 a month wage you can’t splurge £500 on a car but a teen lad paying no or minimum board can.

Exactly my son is 16 nearly 17 and probably has a higher amount of disposable income now than he will have in his early 20s (unless of course he doesnt move out). Id rather he spend it on driving lessons a car and insurance than many of the other things young lads with a lot of cash spend their money on.

StinkyLittleBastrads · 21/01/2024 19:09

My DH just passed his test at 40 and his insurance is 2.5k this first year :(

Ethylred · 21/01/2024 19:39

As someone who was nearly killed by a teen driver (me on zebra, him full speed, head down on phone) I only wish the premium was £40,000.

TreyTerr · 21/01/2024 19:43

Marchintospring · 21/01/2024 19:08

@Mademetoxic I agree.
As much as I think its an important life skill and completely necessary in many places, the reality is its very expensive.
I'm note sure why there are so many threads about the cost of living crisis and posters not having the heating on or buying own label but on this thread everyone can afford a car themselves and at least a couple of grand on one for the kids.

Do you really not get it?

Car insurance for teen drivers is expensive. I’m not disputing that.

I have no idea about the cost of living crisis, and own label threads. That’s because people are affected by the COLC in different ways, or not at all. I’ve never read or posted on those threads, and certainly not about to posts saying that I’ve never bought own label or had to monitor heating.

Similarly, I’d hazard a guess that it’s pretty unlikely that posters who are struggling are likely to post on threads about expensive car insurance.

Cars are expensive, car insurance for teenagers are expensive, COLC is crap and some people struggling and living hand to mouth from day to day. Doesn’t mean teenagers shouldn’t own cars unless they buy it themselves, maintain it themselves and are a critical necessity. That’s just weird logic.

Mademetoxic · 21/01/2024 19:55

TreyTerr · 21/01/2024 19:43

Do you really not get it?

Car insurance for teen drivers is expensive. I’m not disputing that.

I have no idea about the cost of living crisis, and own label threads. That’s because people are affected by the COLC in different ways, or not at all. I’ve never read or posted on those threads, and certainly not about to posts saying that I’ve never bought own label or had to monitor heating.

Similarly, I’d hazard a guess that it’s pretty unlikely that posters who are struggling are likely to post on threads about expensive car insurance.

Cars are expensive, car insurance for teenagers are expensive, COLC is crap and some people struggling and living hand to mouth from day to day. Doesn’t mean teenagers shouldn’t own cars unless they buy it themselves, maintain it themselves and are a critical necessity. That’s just weird logic.

It's just crazy to think that the people on these threads can afford to run another car for their teenager(s) as well as their own. Or to heavily subsidise them.

None of this happened when I was a teenager (not that long ago)

Teenagers went without or only started to learn later on in life when they could afford to

Cars are expensive and for me running a car as an adult I find it hard. Let alone a teenager with treble the costs.

Fair play to teens who earn their own money, and who may save up for their own lessons etc.

Even then it must be hard. But it seems like all teens on here earn are in a 'well paid job' so maybe I'm missing something.

Vettrianofan · 21/01/2024 20:03

fishonabicycle · 21/01/2024 12:42

We got my son an old Corsa, with me and husband as named drivers and a black box - around £1100 first year.

What's a black box? Seen it mentioned on a few threads to do with driving?

tenbob · 21/01/2024 20:03

Mademetoxic · 21/01/2024 19:55

It's just crazy to think that the people on these threads can afford to run another car for their teenager(s) as well as their own. Or to heavily subsidise them.

None of this happened when I was a teenager (not that long ago)

Teenagers went without or only started to learn later on in life when they could afford to

Cars are expensive and for me running a car as an adult I find it hard. Let alone a teenager with treble the costs.

Fair play to teens who earn their own money, and who may save up for their own lessons etc.

Even then it must be hard. But it seems like all teens on here earn are in a 'well paid job' so maybe I'm missing something.

I was a teen in the late 90s, in a rural and not particularly well off area, had a weekend job paying £3/hr and I would guess 2/3rds of my friends had a car or access to one

My first car cost me £700 to buy and £800 to insure but without it, I wouldn’t have been able to do anything, including get to 6th form
I was lucky to have a September birthday so I had passed my test and got a car in my first term of a-levels, but before I drove in, it was a 1hr40 min bus ride each way

That said, I’m amazed that black box telematics hasn’t done more to being premiums down by sorting the idiot teens speeding and showing off, from the sensible ones who just want to pootle to and from their school, job, hobby etc

Vettrianofan · 21/01/2024 20:07

Ethylred · 21/01/2024 19:39

As someone who was nearly killed by a teen driver (me on zebra, him full speed, head down on phone) I only wish the premium was £40,000.

That's shocking. I am glad you are okay but it must have given you a real fright. Don't blame you for thinking that way about premiums for that age group.

Vettrianofan · 21/01/2024 20:08

Spacecowboys · 21/01/2024 15:46

will wait to see what the kids want to do whether that be uni or college or whatever before seeing if they need to learn to drive really with the free bus passes for under 25s

Out of interest whereabouts do you live? There aren’t free bus passes where we are for under 25’s.

I'm in Scotland. All my children have them. My eldest uses his every week to do a sport outside of school at the weekend. Gives him independence.

caringcarer · 21/01/2024 20:21

They have their own insurance policy they are responsible for but you go on as a named driver. I'm not saying you put a teen on your policy.

Mademetoxic · 21/01/2024 20:23

Ethylred · 21/01/2024 19:39

As someone who was nearly killed by a teen driver (me on zebra, him full speed, head down on phone) I only wish the premium was £40,000.

Wow, that will have scarred you for life. 🙁

Vettrianofan · 21/01/2024 20:27

PaulGalico1 · 21/01/2024 13:39

My son passed his driving test at 17 - he is now 22 and his most recent insurance quote was £750 because he has built a driving history with no claims. We supported him financially in learning to drive and contributed to buying his first car. This is oddly a very angry thread. We live rurally and most young people we know learnt at 17/18 unless they were scuppered by covid. It's a life skill.

It's a luxurious life skill.

TreyTerr · 21/01/2024 20:32

Ethylred · 21/01/2024 19:39

As someone who was nearly killed by a teen driver (me on zebra, him full speed, head down on phone) I only wish the premium was £40,000.

This is horrific to hear. I’m so sorry you went through that awful experience.

CantFindTheBeat · 21/01/2024 20:34

BrieAndChilli · 20/01/2024 20:43

DH works from home most of the week so we are planning for DS who has just turned 17 to be added to the insurance on our smaller car which is a Nissan juke. DH will still be main the driver as it is his car but DS can use it to drive him and siblings to school for instance. I only work a 5 min walk so DH can also use my (bigger) car if needed.
No point in buying DS his own car as he doesn’t really go anywhere enough to warrant his own car.so hoping insurance cost won’t be too much

Edited

@BrieAndChilli

Do check the cost of the insurance for when your DS is learning vs when he has passed.

It's often pretty cheap to add them as a learner as they are supervised - then it sky rockets once they have passed and will drive solo.

Also check the cost for adding DS to your Juke. The engineers are often turbo which can make young persons insurance prohibitive,

CantFindTheBeat · 21/01/2024 20:47

@Vettrianofan

A 'black box' is a sensor that goes in your car that sends driving behaviour back to the insurer, such as speed being driven in on which road, the time the car is driven, for how long, how well, etc.

It provides data that can reduce (or increase) your premium,

Early days technology used to be a physical black box installed under your car bonnet, hence the name, which has generally stuck as a catch all term. It's actually telematics.

Nowadays, it can be a small sensor on your dash linked to a phone app.

Loopzy · 21/01/2024 21:37

CantFindTheBeat · 21/01/2024 20:34

@BrieAndChilli

Do check the cost of the insurance for when your DS is learning vs when he has passed.

It's often pretty cheap to add them as a learner as they are supervised - then it sky rockets once they have passed and will drive solo.

Also check the cost for adding DS to your Juke. The engineers are often turbo which can make young persons insurance prohibitive,

There's a huge difference between learner driver and new driver insurance, I was very surprised! It cost DS £297 for the year, to insure as a learner and £3,500 when he passed, this was on the same car.

Dixiechickonhols · 21/01/2024 21:50

Yes I found that last month. Wasn’t bad at all with dc on mine as a learner went up to £2300 when she passed. It’s gone up lots in last year or so. Our friends with kids early twenties were shocked.

jcyclops · 21/01/2024 23:16

The fundamental principle of insurance is that the risk is shared - we all pay a premium and the unfortunate few who need to claim get paid out from the shared total that has been paid. If the insurers had no data to analyse, then everybody would pay the same. The problem is that insurers analyse individual data so that they can adjust premiums to closer reflect the individual risk. Taken to its ultimate destination, imagine 10 people of the same age, no points on their licence, all living in the same street and driving identical cars. 9 of them would pay £150 insurance and the 10th would pay £5000 as they have been predicted to be the one who will crash!

In 2012, insurers were banned from charging different prices according to gender, despite it being a definite factor in claims risk. I think they should also be banned from charging different prices according to age. No claims discounts would still apply, so a new driver would still pay much more than someone who has notched up 15 years without a claim. Alternatively the maximum differential between drivers (who have no claims or points on their licence) should be restricted to a maximum of about 4 times - so if the lowest they would charge is £400 then nobody should be charged more than £1600 for the same model of car.

Blankscreen · 22/01/2024 16:43

Just come back to this thread.

The op asked for help re insurance costs not whether or not her son should learn to drive.

Some people really have a chip on their shoulder.

Shock horror some people buy their kids, cars, pay for lessons and pay for the insurance, some can't pay for anything and others do a combo of anywhere in between.

So much nastiness.

Marchintospring · 22/01/2024 19:17

Blankscreen · 22/01/2024 16:43

Just come back to this thread.

The op asked for help re insurance costs not whether or not her son should learn to drive.

Some people really have a chip on their shoulder.

Shock horror some people buy their kids, cars, pay for lessons and pay for the insurance, some can't pay for anything and others do a combo of anywhere in between.

So much nastiness.

The Op opening line was Teen is nearing 17 so started looking at potential cars and insurance. I can't believe the prices of car insurance. So not even started learning yet.

Some of us have been discussing the huge cost of car ownership because driving is seen as an essential life skill that you have failed your children if you don't provide . We are reassuring the Op. Yes it is either expensive or very expensive .

Some of us have pointed out many families just can't afford it. Rural or not. Some kids will have to wait until they can pay for it themselves and the insurance reflects their increased maturity. its another suggestion not nastiness.

Nowayjose123 · 22/01/2024 19:19

I'm not noticing any nastiness? My personal feeling is that 17 is too young to drive and I would prefer my children to be older and more mature, this I refuse to facilitate any lessons or cars. It's a personal choice.

WombatChocolate · 14/03/2024 19:41

I think that actually people aren’t necessarily disagreeing but looking at the issue slightly differently.

In the end, anyone child or adult, can only have a car if they can afford it - afford to learn to drive, have access to a car and can insure it. Someone has to pay. Lots of people can’t afford to do that regardless of where they live and regardless of public transport availability or none. Their ‘need’ to get about is pretty irrelevant if they can’t actually afford it. Hence loads of adults and teen live in places and are pretty isolated and have limited options for work and socially because the public transport available restricts them and they can’t afford a car. It’s quite simply a feature of poverty/ lack of affluence.

Lots of people keep saying their rural teens need cars. They need cars to get to school or college or to their jobs. Well yes, having access to a car will mean they can access those things and mean those school or job options are available to them. Presumably many parents in these ideas EXPECT their kids to learn to drive quickly so these opportunities can be accessed. But not every teen will learn in those areas due to cost. They simply then don’t have access to those schools or jobs unless their parents take them or public transport allows it. And those with parents who don’t drive, simply have very limited opportunities.

Many parents of MN feel their kids ‘need’ to drive in the sense that they feel they ‘need’ to access opportunities in education and work which require a car journey. They then cobble together the money to fund driving lessons, tests, insurance etc. They felt it was needed. Of course, other teens living near them won’t have that and still manage to live. Many find it impossible to concenive of a situation where families cannot cobble together than money - but given we are talking about a good couple of £k and probably more, lots of families simply can’t put their hands on that kind of money. Teens themselves might have work (if they live somewhere where they can get to the work - possibly catch 22 if they live remotely) but generating the amounts needed for lessons and insurance and buying a car, if your family doesn’t have one is extremely difficult for a teen with part time job in education.

In the end, I’d agree that learning to drive and having access to a car as a 17/18 year old is a luxury. It’s a brilliant, really useful thing that opens up all kinds of opportunities to them and often enables them to continue with education ir jobs that parents have previously facilitated through lifts, but always hoped not to have to drive them to beyond 17/18.
But other teens and their families don’t have these options. They have to choose schools or colleges and jobs or no jobs based on public transport and the fact they know their family or teen will not have access to a car. Their world is smaller and has less opportunities. But that is how it is for many families. And those with cars and whose teens learn to drive whilst at school often struggle to understand that it isn’t simply a ‘need’ - if you struggle to pay for gas and food and have no savings in the bank, then funding your teen to drive just isn’t possible, and even if they have a job it’s not likely to be possible.

Several people talk about not being handed anything as teens. They talk about learning in their late 20s or 30s and only when they could fully find it themselves through their own work. That is the reality for lots of people. And with rising costs if lessons and cars and insurance, more families will find their teens can’t learn until they are in full-time work and funding themselves. The widening of the gap between haves and have-nots is growing.

People don’t die if they don’t have access to a car as a teen or an adult. In that sense, it isn’t a ‘need’. In many areas, people can get about via public transport, if not as easily as with a car. In other areas, public transport is poor and opportunities severely limited by not having a car. You could say you ‘need’ it to access opportunities. Yes, but it’s still a luxury many can’t have as they can’t afford it and their families can’t afford it. And they still live. But absolutely it opens opportunities. And families who can afford to give their kids opportunities often will make other sacrifices because they see during as opening doors. It does, but if you can’t afford it, you can’t.

Some people seem unable to acknowledge that some people simply can’t afford it.

DuesToTheDirt · 15/03/2024 13:55

Mademetoxic · 21/01/2024 20:23

Wow, that will have scarred you for life. 🙁

This thread reappeared on my feed just after I read this article... https://www.bbc.co.uk/articles/c517rnryj04o

Three men in the pub smiling to camera

The young men driving themselves to death

Lewis Moghul and Sammy Phillips died in a high-speed crash 45 minutes after this photo was taken.

https://www.bbc.co.uk/articles/c517rnryj04o

Harveypuss · 15/03/2024 16:07

Squirrelsonthescaffolding · 20/01/2024 19:42

my friend uses a company called marmalade with a chip or something that connects to her son’s phone I think. it’s only if her son does less than 50% of the mileage and you buy insurance for a certain number of miles, eg 500 miles and seems to be cheaper for them. So suits some situations. It also gives the parent access to their driving score.

Another vote for Marmalade. My two have this app, with a gizmo tracker thing in the cars, and pay for a certain amount of miles as a PAYG type arrangement. It works out a lot cheaper for young drivers. It works alongside full insurance on a parents' car.

IrishIngrid76 · 07/05/2024 18:24

Hi Our daughter is 17 just passed her test on a manual car and we’re trying to get her insured on our ford focus. Hastings direct won’t even insure her and Admiral wants £10k how is this possible. My car is a 1 litre engine ford focus. How are kids supposed to be able to get driving Any suggestions please she’s devastated . Thank you