Car insurance cost

[viktoria]

My daughter has just passed her driving test. Finally! Because of Covid driving lessons were often interrupted. And then it took forever to get a slot for the actual test.
Our car insurance is nearly up for renewal, And we were quoted £600 which would be just for my husband and myself.
If we were to add our daughter (who is nearly 20), the cost would rocket to £7700!!!!
We have a 2000cc ancient Ford Focus. Other than selling it and buying a smaller car, what can we do to reduce insurance costs?
Have you added your teenage child to your insurance and how much did that cost?
Can you recommend a good, cheap car insurance?

Sorry I can't help but... Holy shit!!
7 grand?!?!

Bloody hell. Have you tried price comparison sites. That's nuts
We pay £1400 for teenager on a Clio

A 2ltr engine isn't helping you here. Can you'll get her a small car.

Try a black box that limits her Speed/use? pay for advance driving course?

We live on a small island and car insurance is cheap - £450 17 boy 1.2 VE polo - move here?

this is for adding her to a policy in your own names? I am shocked but I haven't attempted to do this yet.

things you can do to bring down premiums - get a speed limiter and logging blackbox controlled by the insurance company fitted. agree to curfew limits eg DD doesn't drive after 7pm. buy a 10month policy instead of 12month - the insurance company will then credit you a 1 year no claims bonus after that 10 months and next year's premium is way lower (assuming no claims obvs)

We pay about £1000 for DD using a young driver policy which builds up her no claims independently from us (and monitors her driving through an app!)

I pay about £950 for me, my partner, a 21 year old and a 20 year old who both passed at 17, 1 litre car.

I'm in a similar position. DS passed his test today. Cheapest policy for his 09 reg Clio is £1500.

Daughter has not yet passed but has bought Herselk a little fiat panda. We went with marmalade black box. £800 and the cost doesn’t change once she has passed and she gets to start building her no claims.

It’s because it’s a 2L. Really you have to find something with a low insurance group for newly-passed drivers (and it’s still bad enough then).

You need a car with a smaller engine. We pay about £1K a year on a Ford Fiesta (1.1L) for our two DDs (early 20s).

Admiral multi car policy is good.

Dc1 ended up buying a really cheap small engine car and insuring with Hastings with a black box as it was cheaper than adding to my insurance. Its crazy prices.

I'm paying £829 for a Mazda... shop about !

Shop around (£600 for you is bad enough!) but also consider separate PAYG insurance like veygo, especially if she's not going to be using it that much if it's your car.

1L Fiesta Ecoboost for ds(17) was around £1k. It would also have been £1k to add to our 10 year old ford focus estate 1.5L diesel.

A 2L engine is your problem. A £7k quote is basically saying we don't want to insure a young boy in a car that powerful because the risks are way too high. Something to think about beyond the cost of the policy.

Sorry girl*

Should have said that out admiral insurance doesn’t have any black box or curfews. A curfew would be a nightmare for teens.

Dd1 18, brought her insurance when she was 17. It was £1000 with marmalade for her own policy, it is telematics, but doesn’t have a curfew and isn’t one of the strict policies. It would have been less, but she needs quite a big mileage allowance.

she has a 1ltr Citroen c1. Your car is the problem. But do shop around I had some silk quotes when looking for dd. I think admiral wanted £4k!

I've got a 1litre car and it was £900 for DS to have a policy in his own name fjr a year.

We did wait a couple of weeks though to insure him. The quotes when he'd just passed were and extra £800.

As other have said, your car is the problem. I have an old 1 litre Corsa and even though my son has been driving for 5 years I can't get him insured on it! Some insurers just won't add young drivers, hence the ridiculous prices!

Your daughter really needs her own insurance to build up her own no claims. It will be expensive for the first year or so, but then start to go down.
My son started with an 08 Clio [ which he paid for himself ] and his insurance, with black box, for the first year was £1600, more than the car was worth. But five years down the line his insurance is now around £600.

Thank you so much everybody! It was reassuring to read that the initial quote we received really was outrageous!

We considered getting either getting an additional car with a smaller engine size, or selling our car and getting a smaller one. But in the end my husband found an insurance with Churchill for our current car. We will not need a black box and the insurance costs us £2000. Our daughter is a named driver, which I hope will mean that next year the insurance will be cheaper.
Thanks everybody

Our daughter is a named driver, which I hope will mean that next year the insurance will be cheaper.

It might be very slightly cheaper because she is a year older and has had her license for longer, but unless the Churchill policy allows her to accrue her own NCB I don't think it will be that much cheaper, most quotes don't even ask if you have been a named driver on another persons policy.

It's the engine size, I think! We bought small cars for ours and added them to our insurance, which worked out ok, although that was a few years ago now. About to start again as next one is 17 in a year or so!