18 yr old new driver insurance

[Hellsbellsy]

I know this is a common topic, but I can’t seem to find any up to date info:

My 18 year old son passed his driving test two days ago.

I’ve tried vergo for temporary insurance, and various comparison sites but can’t get him a quote for less than £3.5 k to be insured on my car,

My car is a 1.5 engine 6 year old MG.

Are we doomed or are there any options I’ve not tried?

I tried for a policy just for him with admiral on advise from a friends and that was £12.5 k 🤣😱

I’ve put him on as a named driver on the other quotes but just having no luck!

Seems such a shame to have passed his test but unable to drive.

Id be so grateful for any advice!

I would be open to temporary insurance just for the school holidays if that’s a cheaper way of doing it

Have you tried the black box policies?

It was a few years ago but when my children passed their tests I found it a lot cheaper to insure my car for any driver than to name them.

I’ve tried black box yes

I think that's normal for a newly qualified driver on a parent's car if it's not a low insurance group car or a 1l engine.

What about buying him a cheap car for less than a grand and building up his no claims?

I added my 17 year old to my existing policy on the day he passed and was pleasantly surprised that it only cost me £90 for the 3 months remaining

We are teaching my dd to drive a 1.0 l its currently £90 pcm to learn I have just done a quote for if she passes and it's £1600 without the telematics policy.

Marmalade insurance is also mentioned on here too

Yes I rang our existing provider and they quoted me £5000 , so we need to change all our insurance at the same time. Bizarrely the direct debit will go up £45 per month for me and my husband once w take OFF our son with a previously license

Meant to say provisional licence!

It probably makes more sense to get him his own car- a cheap run around, 1.0 engine. Insurance is never cheap for 18 year olds but at least he'll build up his own ncb .

You can insure with Marmalade on your car for a few months...... but.... It would probably actually work out cheaper to buy a cheap 1L car, and insure it for the whole family. We have 4 cars on one policy with LV. Every time you add another car, all the other cars go down. DD is just insured on hers, not ours, but we are both insured on our own cars and hers. Doing it in bulk definitely saves money long term, and they get their own no claims, and this is also without a black box or telematics.

He needs a smaller, cheaper, older car. My DS has a 2011 Peugeot 1.4 litre and it cost £2200 for the first year's insurance with me as a named driver. After 6 months we found a policy for £1100 and cancelled the first one. Delays the no claims bonus but bird in the hand etc

Agree with everyone else - cheaper to buy a cheap, low insurance car & start him building his no claims. Insurance is ridiculously expensive now & especially for young drivers.

Girls are cheaper than boys

He needs a car that is in the lowest insurance group like a Peugeot 107 or a Citroen C1. My daughter recently bought a car for £1400. It’s a Peugeot 107 she got a black box and her insurance was an about £1100.

Get a car with low insurance group. My DCs was £800.

Dd18 has just bought a car. Hasn’t done her test yet. We have a quote with AIG for less than €800 on a 1.4L 2009 car. With the black box. This is with both myself & her dad on it so we can take her out practicing.

Sorry, and that’s with her dad being a named driver also

Learner insurance is MUCH cheaper than new driver insurance - learners by definition have an experienced driver with them. I insured my DS as a learner on my car for only £400 a year up from £280 without him on it. When he passed, the policy for him on his car was £2200

We paid <£700 by doing everything possible to control “risk” factors . So teen bought themselves an older 1.0 engine car with a very low insurance group. Parking on drive, adding parents as additional drivers (and providing our licence numbers), limiting estimate mileage, and having a black box helped lower the price, as did delaying collecting car for a few days so insurance could be arranged without an immediate start.