Car insurance | Mumsnet

carcarryon · 2023-06-23T08:41:29+00:00

Any recommendations? Just ran a quote through for my 18yo son, on an 2009 Corsa (after seeing the cost for 2014 Peugeot) and Direct Line want £3233 with black box. That's before legal cover, breakdown, etc. With me as named driver, it's another £400. My own car died this week, so I was planning to use his for a few months. I've said I'll buy the car and he's to pay the insurance, but last time I ran one through, it was nearer £1800 mark, so I'm a bit stunned [confused] Any advice?

YoungWild · 24/06/2023 23:33

That's a stupid amount of money have you tried go compare?

TrueScrumptious · 24/06/2023 23:37

Does he actually need a car now? My DD waited till she was 23. Can you get a car and he is named driver on yours?

twoandcooplease · 25/06/2023 01:10

@carcarryon
Why don't you move your insurance onto the car and put him as a named driver? Since yours gave up anyway you will have a policy available to changeover

Summergrassstains · 25/06/2023 04:17

Have you used a comparison site like compare the market? Your Ds is an unknown risk hence the high quotes but you should be able to get that down. Does he really need his own car or could he be a named driver on yours for a year then get his own car?

Ds is newly qualified and a named driver on my brand new car. My quote was £2k less than yours. Ds just pays an extra £350 excess on top of the usual excess. It also depends on how long you have been driving and your protected no claims too.

Run the Corsa (awful car, gets slated for quality, sorry) with just you as the driver. How much is that? How much is it for just your Ds? How much for both of you? I kept crunching numbers through compare the market and moneysupermarket sites before buying a car. If your Ds is thinking of going to uni then cars are almost impossible to take due to absolutely no parking on uni campus or at uni halls for first year. Second year doesn't solve the no parking on uni campus either.

Mamablue01 · 25/06/2023 09:53

Have you tried Marmalade, we were able to get my sons insurance for £60 per month, however this was him as a named driver on my car, might still be worth a check though

crossstitchingnana · 25/06/2023 12:31

Putting me as named driver on my dd's insurance reduced it by £300. My dh as another named driver took a further £100 off.

Angrymum22 · 26/06/2023 20:20

For complicated reasons we needed to get DS through his test quickly so he opted for an automatic. He plans to do his manual test in the future.
We have multi car insurance with LV=. DS is named main driver on a 2yr old Polo auto, it costs me under 1k a year.
When I sorted out the insurance after he passed his test even the bloke from LV couldn’t believe the price. It’s all down to the frequency that teenagers have accidents in particular cars. Ford’s and Corsas are the most common cars so very expensive to insure. So few 17yr old boys drive auto Polos they are low risk so cheap to insure.
All our cars are autos so it made no sense for him to drive a manual and he will have to drive other family car at some point so better that he can jump in and drive it.
A lot of people said that he would struggle to find an auto hire care at short notice if he needed one, but Enterprise are replacing their whole fleet with autos so not a problem and in 20 yrs no one will be driving a manual.
My advice is to look for a car that is not popular with teens, an auto version and as new as you can afford. New cars have tonnes of safety features that reduce the cost.
Once he has built up a few years NCB then he can swap it for something that is more befitting.
DS had a bit of ribbing at first but he just shrugs it off. A car is a car and road awareness is a far more important part of driving than learning how to change gears. It’s also a lot less distraction in the early days which is probably why young auto drivers have less accidents.

Idontwant2 · 01/07/2023 19:31

We’ve just insured 18yr old DD car with Hastings.
she owns the car which is a 2010 corsa, and is the policy holder but we put dad down as an additional driver. That was the only way to get the policy down in cost and without a black box.

it cost £1300 eventually but without dad on there I had been quoted minimum £3000 all of those specified she would have to have a black box also

cptartapp · 01/07/2023 20:08

DS2 went with Hastings as policy holder on a 2013 Corsa with black box for about £800 with both me and DH as named drivers. He was 19 though.
It's about the same this year with 18 year old DS2 added and 12 months no claims.

Dillydollydingdong · 01/07/2023 20:15

I think car insurance has shot up this year. I've been quoted £900 after two small no fault dints this year. Last year's insurance was £309 ish! Any excuse!

user1471543683 · 06/08/2023 09:44

Can I jump on here. We will phone insurance company but DS at work just now. Just wondered if anyone in here knew. I bought another car and gave my son my old one. We got insurance for it and opted to pay monthly. What we didn’t realise was it was set up as a credit agreement, not a straightforward Direct debit. My question is if for any reason he wanted to cancel insurance a few months down the line e.g the car repairs were too expensive and it needed to get scrapped or he just wasn’t using car enough to justify amount he’d be paying, how does it work with credit agreement? Does the insurance company pay off the balance on credit agreement or do they pay DS and he clears the credit agreement. Or is it a case that he’s committed to credit agreement so regardless of what happens to insurance he still has to see through the credit agreement. I hope this makes sense!! Thanks

Oblomov23 · 06/08/2023 09:57

We tried them all for ds1, marmalade, go compare, in the end AA was best at about £1300 with Dh as named driver, putting me on increased it which I was miffed at!

feliciabirthgiver · 06/08/2023 10:14

Churchill (Drivesure App) has been the cheapest for teen DD for the last 2 years.

Ohhelpicantthinkofaname · 06/08/2023 20:20

user1471543683 · 06/08/2023 09:44

Can I jump on here. We will phone insurance company but DS at work just now. Just wondered if anyone in here knew. I bought another car and gave my son my old one. We got insurance for it and opted to pay monthly. What we didn’t realise was it was set up as a credit agreement, not a straightforward Direct debit. My question is if for any reason he wanted to cancel insurance a few months down the line e.g the car repairs were too expensive and it needed to get scrapped or he just wasn’t using car enough to justify amount he’d be paying, how does it work with credit agreement? Does the insurance company pay off the balance on credit agreement or do they pay DS and he clears the credit agreement. Or is it a case that he’s committed to credit agreement so regardless of what happens to insurance he still has to see through the credit agreement. I hope this makes sense!! Thanks

Aren’t all insurance policies paid monthly credit agreements? If you read through the terms and conditions it should tell you about cancellations.

as far as insurance goes. Dd1’s first year was £1050 with marmalade with a telematics box and just done her second year £730 without a box with another company. I found uswitch/confused gave the cheapest quotes.

we could have done both years cheaper, but as she had a long drive to college she couldn’t be too restricted on miles which was an issue with a lot of the cheap black box policies and this year the car won’t be used all the time as she’s hopefully off to uni, so didn’t want a box at all as many penalise you for not using it enough.