£4,400 quoted for car insurance once dd has passed her test. Advice and recommendations please.

[LimitIsUp]

Posting here since as parents of teens you may have had the car insurance problem.

Okay, we weren't expecting a cheap insurance given dd has a 2018 VW Polo Beats, so the replacement cost of the car is quite high. Also, whilst it is a 1 litre engine it is turbo. However dh has been given a quote of £4,400 from the brokers. We had been anticipating (a still eye watering) £2K perhaps, but £4,400 ? If she had previously driven and been banned for drink driving her insurance would probably have been less!

Fortunately she has only just started to learn to drive so we have time to work on this. Any advice please re getting a better deal?

Dps car was only 4 years old when we bought it.

Low mileage, 12 month guarantee from the garage.

For a car that does barely 50 miles per week it has cost us a fortune

Maybe we have been unlucky with cars

Even driving older cars we always worked on depreciation of £100 per month.

If we bought a car for £1000 then it lasted about 10 months before needing money spent on it. Then we spent about £50/month at least just propping it up before we bought another.

For Dd as a new driver I wanted to guard as much as possible against breakdowns.

She does odd hours so could be out in the Surrey countryside working till 2am then has to drive home (north London).

Don’t want her to break down either miles from anywhere or at the side of the motorway at 3am
Not safe for a teenage girl

You've been unlucky. We've had several older cars and only one was a 'Friday afternoon' car. We do have a fab local garage and mechanic who checks all our cars thoroughly during the MOT.

I would hope dd wouldn't be driving at at 3am anyway, but with a good phone and a breakdown service she'd be ok.

The only car thats broken down properly in our house is my dhs brand new nissan navara which died after 3 months 🤣

I can't get past Fib saying it's very 'Hyacinth Bucket' to buy a new car, just ridiculous (and quite chippy)

Try DIrect Line. They gave a really good quote when I added ds to my car insurance. This was the cheapest way get to get affordable insurance. He will only be using the car occasionally as at university.

It's super nouveau to describe anything other than a brand new rental car as a rustbucket, yes.

Try martinmoneysavingexpert, he has good tips on young drivers insurance.

I didn't say anything about rust buckets

DD bought herself a 1 year old ex demonstrator car with a touch of help from Grandad, we helped with the insurance. She'd been working part time for a year or two (quite well paid work) plus saves all birthday/Christmas money for years. We think it was a good buy as it came with a 3 year unlimited package for servicing etc, so we knew while at Uni all costs covered (needs car to get to and from work//horses/uni), and it has been very good, compared to one friend of hers who is now on 4th car due to unreliability of older models.

Try Admiral multicar policy (you will have to commit to changing your car policy to theirs, in our case it was comparable cost-wise), adding named drivers with clean licence, trying obscure insurances not connected to the likes of compare.com eg NFU, doing the Pass+ scheme or Institute of Advance Motorists, or adding specialisms eg HGV, Towing licences etc.look into black boxes and also if NOT the main driver there are some schemes where you can add the new young driver for the periods they will use it eg home from Uni by phoning up and adding the driver as required, also look at WHEN she will be driving, some policies are cheaper as driver has to be home before pub chuck out time etc. But yes it is expensive first year drops drastically after 2 years NCB.