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Original poster

car insurance for a 18 year old

11 replies

everthebeliver · 05/04/2011 19:18

I am sorry I am sure this has been asked before but cannot find the thread. My DD is 18 in May and we would like to buy her a small runaround for her bday.

The cheapest car insurance I can find is £2800 !!! has anyone found a website or insurance company that is more reasonable

many thanks in advance

OP posts:
mollymole · 05/04/2011 19:28

that seems about right i'm afraid

ChishAndFips · 05/04/2011 19:31

Named driver on your policy? I know she won't build up no claims discount but if it's the only way that's affordable... DD1 is a named driver on my policy, costs about £300 extra. We have Admiral multi-car.

ChishAndFips · 05/04/2011 19:32

DD1 is 19 by the way, has been same cost since she was a learner/new driver at 17.

Original poster
everthebeliver · 06/04/2011 00:10

thanks for the replies i will look into the named driver. Have been searching most of the night and some qoutes hit £5k !!!! My insurance is £21 per month but then I have been driving forever

OP posts:
boosmummie · 06/04/2011 00:25

My daughter is 17½ and hers is 1250 with a 300 excess. We've limited the mileage to 4000 pa as that gave a discount. 1lt Toyota, so not a biggie. Try Go Compare. Also lots do this 'black box' insurance which can reduce more according to how they drive. although they can whack it up if they don't drive well...Grin

vj32 · 07/04/2011 05:04

You shouldn't put her as a named driver if you intend it to be her car and for her to be the main driver. Loads of people do but if found out it will invalidate the insurance. The insurance will be really high the first year but there will be a massive reduction after one year so long as she doesn't make a claim. My first insurance 8 years ago was £1400, second year was £700.

Also - you will get hit with this high premium at some point. We have just had to pay out quite a lot of money to insure a car because although he has been driving on my policy for 5 years and has never had an accident, and is nearly 30, DH has never had insurance in his name so has no no claims discount. So if you can afford it, might be worth getting the big bill over with!

mumoverseas · 10/04/2011 11:35

There was a thread on this last week, think it was in AIBU. There were several recommendations there about specialist car insurance companies
I feel your pain, DS is nearly 18 and its simply not an option for us

jackie1234 · 25/05/2011 09:25

hi Elephant.com have a good deal - I have just found £1100

blushingm · 29/05/2011 22:12

admiral and elephant are part of the same group

sometimes if you have insurance with say your dh - if dh gets insurance with the same co they will sometimes give some introductory no claims discount

5inthebed · 29/05/2011 22:26

Yep, insurance is shocking for youngsters.

My cousin passed his test ast week, aged 17 and a half. To have his own insurance for the car my uncle was going to buy him was £6000, for him to be added onto my uncles insurance as a second driver, it was £4,500. He can afford neither, so my cousin cannot drive. They are waiting until he turns 18 in the hope it reduces.

OddBoots · 29/05/2011 22:38

Have you thought about cover box ?

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