Am I being thick here? My daughters will be 17 in June and we have just started looking at cars – but to help me narrow the search, I wanted to see what the insurance cost would be like on different vehicles. However, if I put her DOB in, it says she is too young. If I make a DOB up (ie saying she was 17 yesterday), it then asks how long she has been driving (0 years), it says the dates don't match up. (Similar is happening on both MoneySupermarket and Compare the Market). Is there anywhere else I could try (or something else I should do)? I am flummoxed!
Ignore - I have figured it out.
Well, a 16 year old who has never driven is going to be challenging to insure because a) she's 16 and b) she can't drive. 😁
What's your plan here? They can't even start learning until June, let alone pass their tests, so any quotes you get today are likely to be irrelevant by then anyway. Do you intend to take them out yourself in order to supplement lessons? That being the case, see about adding them as named drivers on your insurance & vehicle maybe.
Maybe give someone like Direct Line a call and talk to a human. If you keep battering comparison websites with slightly different details you'll eventually get flagged as dodgy and some companies will stop offering quotes at all.
You have presumably now changed the DOB to work out insurance cost differences between cars.
Practicalities for June you will need learner driver insurance. Adrian Flux were good for us and price matched other quotes.
Get driving lessons lined up asap, long delays in tests mean that instructors have limited turnover of clients
Get tests booked asap
When they pass insurance will be a lot higher than the quotes you are getting if you pass then look for a quote to start straight away. Any delay between start date will lower the cost. Some people get insurance assuming a pass before hand and cancel if it doesn't work out, check the terms of course.
I'm surprised none of the sites will allow you to use her actual details as it's possible under certain circumstances to learn to drive a car at 16 in the UK.
I'm surprised none of the sites will allow you to use her actual details as it's possible under certain circumstances to learn to drive a car at 16 in the UK.
Off the top of my head the majority of those will be on motability and driving adapted vehicles so not going through comparison sites.
we will soon be in a similar boat, and considering our son getting the wife’s car, but only if it’s ‘cheap’ to insure. I’ve wondered if our eclass estate might be cheaper as not many 17yr olds drive them as opposed to polos !
Interested to know what cars were coming up cheapest
I’m hoping there are some less than obvious cars
we will soon be in a similar boat, and considering our son getting the wife’s car, but only if it’s ‘cheap’ to insure. I’ve wondered if our eclass estate might be cheaper as not many 17yr olds drive them as opposed to polos !I doubt it! A 1L picanto with policy 2-3 weeks before required, paid for in a single instalment, daughter with a "proper job"* rather than student, both parents on the policy, everyone clean license (and driving license details shared with insurer), no claims, other cars in the household and a black box all came in to be much cheaper than I expected. (* the job probably gives them an indirect, "likely to be female" factor since they are no longer allowed to price on gender)Interested to know what cars were coming up cheapest
I’m hoping there are some less than obvious cars
She didn't experiment with many cars, but there were no "surprises"
Best piece of advice i can give is to try find an insurer who will do learner AND newly qualified insurance as part of the same policy (Get figures for both). Much more expensive to begin with but saves a shedload after they have passed.
Lots will insure when learning as its going to be 100% accompanied by an adult. Its actually quite cheap for what it is. BUT when they pass lots refuse to take on the newly qualified driver or they just charge £3k and make you have to scaur the market again. Remember you also lose out on the 12mths NCB as most will pass within the year so its extremely expensive to start a new policy when they have passed.
For my boy he started driving when covid kicked in. By the time he learnt to drive and then got a test date (He failed his first) he had gone 12 months so had a full years NCD as a learner. Made a huge difference when he passed. My daughter didnt have this benefit and when she passed her existing insurers refused to insure her. Went with Adrian Flux which i have no complaints about but it was annoying starting from scratch again.
What's your plan here?
Simply to find out which cars we should be looking for. As it turns out, it seems that insuring a 12 yr old Corsa, Polo, Clio, Fiesta etc is around £100 a month (comprehensive) and about £5 a month less for TPF&T. Fiat 500s and Aygos are about £80 a month (comprehensive).
Simply to find out which cars we should be looking for. As it turns out, it seems that insuring a 12 yr old Corsa, Polo, Clio, Fiesta etc is around £100 a month (comprehensive) and about £5 a month less for TPF&T. Fiat 500s and Aygos are about £80 a month (comprehensive).
Are you doing those quotes as a learner with you as main driver or a newly passed driver?
If newly passed then you've either put something in wrong or rates have dropped like a stone. Even 6 years ago we couldn't get anything under £2k/year for our daughter no matter what the car.
Simply to find out which cars we should be looking for. As it turns out, it seems that insuring a 12 yr old Corsa, Polo, Clio, Fiesta etc is around £100 a month (comprehensive) and about £5 a month less for TPF&T. Fiat 500s and Aygos are about £80 a month (comprehensive).
Are you doing those quotes as a learner with you as main driver or a newly passed driver?
If newly passed then you've either put something in wrong or rates have dropped like a stone. Even 6 years ago we couldn't get anything under £2k/year for our daughter no matter what the car.
Those numbers are consistent with my daughter: 12 yr old Picanto, bought a week after passing her test whilst still 17, excess of about £600 in total if she crashes it, relatively nice EH postcode (not in the city), parked on the street. Was £736 for payment in one go (with Admiral). Would have been just under £700 if she had the patience to wait 2 weeks! Yes she's the main driver (6K miles pa) no fronting or sneaky stuff going on. Other factors as per my post a few up. I was surprised - the cost of adding her as a named driver to to our MG5 would have been more that 2.5x that on top of my usual premium.
Are you doing those quotes as a learner with you as main driver or a newly passed driver?
I got the quote with the policy in the name of my daughter, with her as the registered owner and the only named driver, newly passed, no NCB (obviously), 8,000 miles a year and a voluntary excess of £500. The policy is one where a tracker has to be fitted. Without a tracker, prices were pretty much double.
Some chatter on young driver cars and insurance at
https://singletrackworld.com/forum/off-topic/first-car-for-young-new-driver-advice-please/
https://singletrackworld.com/forum/off-topic/unbelievable-young-driver-insurance-boast/
Both our kids went with Hastings with a tracker, I was main driver as they were at uni, car was a wheezy Fabia. Premium halved after a year and tracker no longer required.
Both ours had driving lessons supplemented with me taking them out in a dual control car from Arnold Clark and the occasional spin in Mrs OTS's car using temporary insurance.
Miss OTS (just turned 19) is in a Mini Coooper D S (2.0l BMW Twin Turbo engine) which was cheaper to insure than a Fiat 500.
My step daughter passed her test a year ago this week. 17 years old and at sixth form.
2003 Polo 1.2 petrol. ( nice car with around 30k miles). A smidge over £2k fully comp with black box. Just done renewal for her second year. Less than half cost of last year and we can take black box out.
Top tip: if you go with Admiral Multicar, any named driver is earning NCB even before they pass a test.
Our 3 all drove out small car as learners, and have all gone on to buy their own van or car. All of them saved a LOT of money by being with Admiral.
E.g. Transit SWB converted camper - elsewhere £1300 for 19yr old, Admiral £780
Civic 1.8 for 19 year old - £580 Admiral, £1k+ elsewhere.
Swift 1.0 hybrid for 21 year old - £630, £1k+ elsewhere.
After hours and hours on many sites, just after xmas.... I got D on a £2k 2012 fiat 500 for £750 with a black box..... Hastings with me and the mrs named on policy.
Good luck
To add as well: small engined and popular cars with new drivers = higher premiums often.
Grandad spec, untrendy or larger cars we have found to be cheaper to insure...My youngest has 140bhp Civic 1.8 (VTEC, yo) as his first car and it was significantly cheaper than a Fiesta or Corsa to insure.
To add as well: small engined and popular cars with new drivers = higher premiums often.
It's the "popularity" as much as the engine size - our 1.0 Fabia was about £500 cheaper to insure than his mates equally underpowered 1.0 Corsa.
Grandad spec, untrendy or larger cars we have found to be cheaper to insure...
Yeah, I get that, but they are kids, and they are going to want the cool cars. When I was a kid, I had the opportunity to be given my dad's (three year old) Ford Sierra 1.6GL (with vinyl roof no less), or for him to sell it, keep the majority of the sale price and give me some cash towards buying a Mini 1275GT. I am sure you can guess which I chose...