insurance help PLEASE!

[motheroftwoboys]

DS1 is 23 and learning to drive. He was at uni in London and worked there last year so didn't need a car but is currently working back in the north east and has to get himself to and from work (about 12 miles each way). Frightened of the cost of car insurance he was/is considering a learner legal scooter or motorbike but have just had a quote for insurance which was downright scary! He works in tv which seems to be a massive disadvantage. Is there any way round the insurance nightmare for new/youngish drivers?

several ideas:

• have a play with his job title. Tell the truth but try some alternate wordings. Certainly if they think he is a journalist the premium will be very high.
• contact a broker to get some specialist quotes. Consider a black box.
• put someone with a good driving record on the policy as named driver. He must still be the main driver (as to do otherwise would be insurance fraud) but adding a 'grown up' can lower the premium.

bizarrely, fully comp can be cheaper than third party.

Look into a tracker in the car that gives restricted hours driving
an FB friend got her son's quote down from £4k to £1k

• no driving after dark
• no motorways outside rush hour

yy to always full comp

and yy to the most boring variant of his job title possible

Insurance in London for a 19-y-o person without any No Claims, was £3000 a year last time I looked. The maximum fine for driving without insurance is £1000 (I think) for a first offence....

Girls have lost out to the EU ruling that separate rates for F and M are illegal. All the rates went up, not averaged. And it IS young men who have the most accidents.

I hope that is not a suggestion, pamish Presume not but just in case:

worst case: driving uninsured can bankrupt mummy and daddy as they sell their house to pay for the lifetime care costs of the person on the receiving end of the accident. And it can make the culprit uninsurable in the future, which may stuff up some job prospects.

young men are expensive to insure because they are a big crash risk, and tend to take others with them. Sad for the responsible ones, but that's how risk assessment work.