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Talk

Teenagers

Parenting teenagers has its ups and downs. Get advice from Mumsnetters here.

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Original poster

new driver car insurance

14 replies

ucannotbserious · 05/06/2011 11:54

Can any one recommend good (cheap!) insurance for a teenage boy who has just passed his test?

Is it cheaper for him to have his own policy or to be a named driver on an adult one?

I have heard that there are some companies that will offer insurance only between certain hours of the day but cannot find anything about this when I google. Does any one know about this?

OP posts:

CestTout · 05/06/2011 12:11

I have found CIS to be quite competitive. HTH

AMumInScotland · 05/06/2011 14:17

We found the best way to get a good deal was to phone our existing insurers - they gave us a better quote than we had managed to find with the online comparison sites. Also, because we were adding him partway through the year, when it came time to renew 6 months later, they gave him a year's no-claims for the part of the year, which made it slightly less painful. That was with Admiral - it was £1900 for the full year, which was much better than we could see online.

I think some companies will charge less if they agree to a curfew (eg 10pm to 6am), or don't have any young passengers, as those are big risk factors with young drivers.

BerniW · 05/06/2011 23:07

We went through Liverpool Victoria (whom we also had home/contents insurance with). They quoted £1800 for our newly qualified 17 year old son as a named driver only on a Toyota Aygo.

Way better than anyone else would quote. This was back in January though.

Original poster

ucannotbserious · 06/06/2011 16:38

Thanks for the input. It does look like adding him to my policy will be best and they have just quited me about £1500 pa which isn't as bad as I thought. Still keen to know about the tracker devices etc if anyone has any info!

OP posts:

gingeroots · 06/06/2011 19:04

The co-op apparently do a smart box thingy for young drivers ,I noticed an ad. in paper this weekend .

Here's the link
www.co-operativeinsurance.co.uk/servlet/Satellite/1228203835143,CFSweb/Page/Insurance-Car

I don't know anything about it - would love to hear from anyone with experience /views.

whenigrowup · 07/06/2011 01:25

My eldest son passed his test at 17 and we found a policy using a tracker devise through I-kube for which I think the site is www.i-kube.co.uk. They came and fitted the tracker which restricted his driving to between 5.00am and 11.00pm. He also got a discount for doing his Pass Plus course. I think we paid in the region of £1400 (a lot depends on the type of car being insured, his was a group 4). We decided on him having his own policy as we'd managed to find a very cheap car to buy and at least he could start building up a no-claims history a bit sooner (so far so good!). Do be wary about usage as it is illegal to have a child as a named driver if, in fact, they are the main driver. We have come to the conclusion that there is NO SUCH THING as a cheap (legal) option for young drivers! No problems with the i-kube policy so would happily recommend you check it out. The only thing to be aware of is that if the car is used during curfew time the insurers slap a £50 fine on you. This caught my son out very unfortunately when he stayed overnight at a friend's house; he inadvertantly blocked a neighbour's drive so had to move his car late on, because the car was started and moved (even a few feet), it activated the tracker and he was stung :(

Original poster

ucannotbserious · 09/06/2011 12:56

both those look very good and have produced competitive quites. Many thanks!

OP posts:

gingeroots · 09/06/2011 18:35

What sort of price were they ucannot ?

jshibbyr · 14/06/2011 17:50

there is not such thing as cheap insurance, my oppinion insurance companies are giving complete rip offs at the moment for young drivers. my car is a 950cc engine, to insure 1800 i am female and 18, granted that is if i have just passed my test, still the cars only worth £200

scurryfunge · 14/06/2011 17:53

£1800 is below average jshibbyr. Your first few years of driving make you more accident prone, it will get better, honest. I am an old fart and pay about £200 a year but I would much rather be 18 .

followyourheart · 03/07/2012 12:21

Have been searching for car insurance for my ds and found a great site that looks at all the new black box insurance. It compares all the different ones. I went with the co-op insurance, it has knocked over £500 off the premium (holiday funds) thanks to mazzaport for pointing me in the right direction. Thought it was only fair to pass it on!!

www.teentrack.co.uk

PropositionJoe · 03/07/2012 12:30

Jshibby - you are missing the point. it doesn't make any difference what your car is worth, you can still cause a motorway pile up with it. That is the risk for the insurers.

followyourheart · 03/07/2012 20:37

also, jshibby, your insurance policy will go up after december when anti-discrimination laws come into place, which means that they can't give girls cheaper policies than boys, even though statistically you are the safer sex!

sashh · 04/07/2012 09:19

If he has his own car then he needs his own insurance. If you put him as a named driver, when he is actually the main driver, he is driving without insurance.

The more older drivers you add on as secondary users the cheaper it gets.

Some have deals where you have a box fitted and I know there is at least one specialist.

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