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The Insurance Zone Want to insure your ride but not sure of wheres best.. Well, put a post here and others should be able to help!

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Old 17-08-2018, 09:26 AM   #21
percymon
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Originally Posted by garage_dweller View Post

Personally I think it's much better if they have their own policy and start to earn NCB
Agreed, and add as many family members as you can as named drivers, but only those with clean licenses and many years no accidents etc
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Old 17-08-2018, 04:54 PM   #22
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Agreed, and add as many family members as you can as named drivers, but only those with clean licenses and many years no accidents etc
Not always cheaper, my sons second year of driving was cheaper without myself and wife on it, strange I know. I think they make it up while they go on lol.

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Old 17-08-2018, 08:16 PM   #23
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We took the same path with both daughter (who is now 19) and son (17 and learning).

Citroen C1 in their own name. Fully comp insurance in their name with us both as named drivers while learning for approx £750 per year through Direct Line with black box. We came off as named drivers when daughter passed and it didn't make much difference to insurance premium. I think she was just under £700 and he was closer to £800. Now she is £500 odd for insurance.

C1 audio is woeful but it's cheap and easy to upgrade because the cabins are so small.
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Old 18-08-2018, 11:25 AM   #24
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TBH I would rather wait and put them in a larger, decent car.

Ive seen C1s and Aygo's having accidents at less than 40mph and the whole car crumpling to the point where firefighters need to be called. This was with a Fiesta as well.

Im pretty sure they occupants would have been dead if it was a large SUV or saloon.
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Old 03-03-2019, 12:13 PM   #25
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Get them started in their own name as soon as possible. Lots of places won't accept names driver time as real no claims.

And do lots and lots of comparison quotes of cars they might like, including all engine variants.

We bought my daughter a 1.4 vw lupo, it was only £100 a year more for a 1.4 which was acceptably nippy over a 1.0 which felt dangerously slow and would worry about her pulling out onto a lot of nsl roads around here.

I insured it in her name but on a provisional license, this was around £450 a year. Then 6 months later when she passed her test we changed details and paid the remaining 6months at the full new driver rate which was about £1400 a year / £140 a month.

Then at the end of the year, because it was all one policy she got a years ncb for only 6 months of actually being on the road on her own, and the premium dropped to £850 for the second year.
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Old 03-03-2019, 07:22 PM   #26
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I would not buy a new car but I would not buy a tiddler go-kart either.

The statistics are pretty scary regarding young drivers so safety has to be a consideration I feel.

We all started in absolute rotters back in the day but the roads are a far different place today than even 15 years ago.

You want a medium sized car like a Golf as a minimum and cheap so something a big leggy. But more importantly you want all the safety gear you can find on them. The budget brands will probably have ABS and airbags, but probably won't have things like ESP or EBD which might help a new and inexperienced driver one that one time the conditions catch them out.

Of course a larger car will have a larger engine and so cost more to insure, but it's going to be a few hundred quid extra a year: I'd sooner give them that extra and have some peace of mind. Most of us have driven a crash-box on pram wheels and know what an oh F**K moment feels like.
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