Stupidly high car insurance price for ds

[healthadvice123]

We i knew car insurance had gone up as DH paid £296 last year and this year quoted £670 but on comparison site got it down to £360.
ds 20 passed driving test and quotes coming in at £2800 . 0.9 litre 107
his brother passed last year , same car £950 to insure , that it a huge jump.
to do monthly even more money , looking at paying around £280-300 a month.
he will never be able to save and afford to move out at this rate.
we live in a small town , transport runs 9-5 ish irregularly so a car is a necessity. He just can’t afford to drive and therefore limits his work choices hugely.
This country is a mess, its getting silly now how are young people supposed to get on in life. He works , training as a trade so money not great and won’t be for a few years and all that money spent learning to drive and he can’t now afford to actually get insured. Something needs looking at, we are all paying the price for expensive cars and there claims by the looks of things.

[EddieVedderSingsToMe]

Try adding an older, experienced driver onto his insurance as a named driver. Experiment with different people. I always found adding my father in law (accountant) took a few £100 off the price. My mother in law slightly less but still a decent saving. If they own their own car and have had a licence for more than 15 years it really drives down the price.

[RogersOrganismicProcess]

Has he newly passed? Wait a couple of months, it will come down.

[Keepitweird]

Unfortunately it's a reflections of costs across everything, I work in an industry sideways related to insurance and it's the underlying costs being passed on - and tbh electric vehicles aren't helping since once they go wrong they cost £££££ (which is then averaged over premiums and increases the cost whether you have one or not).

[baytreelane23]

My DD (20) can't get a quote below 5k for her little car as she's had a couple of small bumps in her first year. So we have to now sorn her car she saved so hard for and learned to drive.

We have tried all combinations possible. Some quotes were 7k 🤯🤯

It was literally £1300 last year

[Blondeshavemorefun]

@baytreelane23

My DD (20) can't get a quote below 5k for her little car as she's had a couple of small bumps in her first year. So we have to now sorn her car she saved so hard for and learned to drive.

We have tried all combinations possible. Some quotes were 7k 🤯🤯

It was literally £1300 last year

Sadly her accidents wouid have bumped it up. Esp as guessing didn't have any no claims or protected them

[user68901]

I dread to think how many uninsured cars are out there. At these prices people cant afford to insure so i bet they just chance it. We have little 1l car and the insurance is almost £3500 with 2 kids now added on. I am the main driver. One is at uni and hardly uses it as well!
There needs to be some cap like the energy prices as this is just bonkers .

[healthadvice123]

Added me on and brought it down but cheapest we can get is £1900. With a start date of couple weeks after passing. I don’t see why we are all paying for electric vehicles etc when we don’t own one and won’t be able to afford or charge one either so unlikely to have one for years and years .He just doesn’t have enough to pay so will be leaving it a couple months why he saves , was expecting £1100 maybe but its getting silly now and we have no choice but to drive as public transport is rubbish here , its not too great in most of the uk really. He was thinking of doing an apprenticeship but on an apprenticeship wage he def cannot afford to run a car.
some companies even those for young dr

[healthadvice123]

Young drivers won’t even quote him

[Mothership4two]

DS (20) has got something on his phone from his insurance company that monitors his driving and has just had it reduced to £700 - obviously that doesn't help you in the meantime OP, but it's a way of getting it down after a year or so.

[MaybeRevisitYourWipingT3chnique]

@user68901

I dread to think how many uninsured cars are out there. At these prices people cant afford to insure so i bet they just chance it. We have little 1l car and the insurance is almost £3500 with 2 kids now added on. I am the main driver. One is at uni and hardly uses it as well!
There needs to be some cap like the energy prices as this is just bonkers .

Yep, you obviously can't condone it, but when insurance is so outrageously unaffordable, you can see how some young people might believe they have no other option.

I'll bet there are far, far more who have accidents and deliberately don't report them - even if they have to pay out hundreds (maybe thousands) on the quiet to anybody whose cars they hit - rather than see the effective end of their driving career once their renewal premiums come through.

At this rate, we'll end up with young people who can legally drive from 17, but won't have a hope of actually doing so until they're 30. Even then, the premiums will still cost loads, as nobody will have been able to build up any no-claims or experience. How long until there's only a tiny little window between people being able to afford to start driving and then getting to an age where they need to stop?!

Some things are so horribly tough for young people nowadays. Not enough that home ownership is way beyond reach, plus a huge amount of student debt bequeathed to them by politicians who got their own uni education all completely free; soon they may find that driving is the same.

My own insurance for a very boring, mid-range 12yo car in a decently safe area rocketed to £750 last year, and I'm approaching 50, with 30 years' experience and full no-claims - so I feel terribly for youngsters having to pay hundreds and hundreds every single month. Driving is an everyday skill for most people and just shouldn't be so massively unachievable.

[MaybeRevisitYourWipingT3chnique]

Assuming the lower value of a car does have at least some bearing on reducing the insurance premium, this is giving young people the clear message that very old, less safe vehicles - including some that should probably have been scrapped some time ago - are the way to go. What a state of affairs.

[Mothership4two]

I'm pretty sure they would be more expensive @MaybeRevisitYourWipingT3chnique from what I remember of DS looking just over a year ago. It had a bearing on the vehicle he/we bought.

[healthadvice123]

@Mothership4two these quotes are all with a black box and the app.
my other ds who is a little youmger passed last year and paid around £970 in his first year with black box , renewed in jan and still £950 with black box and good driving record from it. So i knew insurance had gone up but did not expect the high quotes we are getting for a car worth a £1000 and a small engine, think its in the lowest insurance group you can get. Pricing people out of driving but for many of us no car means we can’t get to work ,in certain areas.

[MaybeRevisitYourWipingT3chnique]

@Mothership4two

I'm pretty sure they would be more expensive @MaybeRevisitYourWipingT3chnique from what I remember of DS looking just over a year ago. It had a bearing on the vehicle he/we bought.

Whew, really? They really don't want young people to have any hope at all of driving, do they?

[AllTheChaos]

There have been problems for years and years in this sector due to issues with ‘crash for cash’ schemes, false whiplash claims etc etc. Plus increased costs for the companies like for everyone else. Having said that, these prices sound nuts! I guess it’s one way for Govt to achieve some of its net zero targets, by letting the insurance companies make driving unaffordable! (This last is tongue in cheek, but these kind of costs could genuinely act to decrease the number of vehicles that would otherwise be on the road). Where I’m from originally there’s sod all public transport, and this is going to make life really hard for people.

[MissLou0]

Put yourself as the main driver 😉😉😉😉😉

[Mothership4two]

@MissLou0

Put yourself as the main driver 😉😉😉😉😉

That is called 'fronting' and is illegal and would invalidate the insurance.

[biarritz]

The prices are ridiculous. However it isn’t necessarily cheaper to insure an older less valuable car. Newer cars have more safety features like parking sensors that might bring a premium down.
we are paying 50% more to insure the small car than last year even though the dc are now a year more experienced at driving. It might be cheaper to put other family members on the policy if it is a genuine second family car as opposed to just your dds.
on a related subject My mother added me to her policy so I could drive her car if I came by train and it made her insurance cheaper!

[Autienotnaughtie]

My dd passed at 18. We couldn't afford the insurance and she was going away for uni so we just added her to our insurance in the holidays so she could get some experience. Three years later she bought a small car and her insurance was around £700.

Could he just go on your insurance for now and pay the difference? Also what car you buy makes a massive difference. If he gets some boy racer car his insurance will be higher.

[bookish83]

OP can you add other adults on aside from you? I used to add partner and both parents on

[MissLou0]

@Mothership4two

That is called 'fronting' and is illegal and would invalidate the insurance.

Yes very clever of you. I worked for an Insurance company for four years in Claims and can assure you this happens all the time and absolutely nothing is done about it as it’s impossible to prove. Have you ever worked for an insurance company?

[healthadvice123]

Wouldn’t risk putting me as main driver as my luck we would get caught out plus I have a car. May try adding others on it,as named xdrivers me being named brought it down £100
not a boy racer car just a 107 0.9 litre car, not very cool etc by ds just wants a car to get to and from work.
can’t add him to my insurance on my car as do not accept under 23 or 25 , must of got mine just before increases as only £170 for year 1.4 yaris so expect big shock gor that soon when due renewal as well.
going to see if can get some stand alone insurance for him on mine for few months as he can use it weekends on one of two days a week when i wfh, see if that helps and he will have licence a couple months and car will be in his name as these things may help, as he is going to have other ds car when be gets a new one. As its a decent little car and we know history as new previous owners etc
thanks for all suggestions

[Blondeshavemorefun]

Is there a big diff from tpft to fully
Comp

[Mothership4two]

@MissLou0

Yes very clever of you. I worked for an Insurance company for four years in Claims and can assure you this happens all the time and absolutely nothing is done about it as it’s impossible to prove. Have you ever worked for an insurance company?

Why are you being snotty? I made a factual correct post. Of course the OP should be informed when they have been advised to do something illegal and that has potentially negative consequences. I'm surprised you didnt. I'd heard of fronting (and wouldn't do it myself), so why does it matter where I did or didn't work?