The cost of the car you’re driving is irrelevant it’s a tiny fraction of anyone’s  premium – what does it matter what his car costs if he runs into the back of a Ferrari?  Or hits a bus queue? The costs of death and injury make replacing and repair cars pretty trivial

you’re  not going to see a big saving on a 3rd party policy

Min’e not a million miles off that and I’ve not been 17 for a long long time…

what have you been doing wrong?

mines more that a £1000 less than that!

🙂

3rd party might be cheaper now but over a few years the effect of a no claims bonus (if they don’t hit anything) means it’s cheaper long-term to go fully comp.

Plus £1200 is not much more than I paid for car insurance as an 18 year old back in 1999 so it’s not unreasonable to my ears!

To break ourselves in gently to teenage car insurance, we;ve been just getting Veygo insurance for our learning-to-drive son on our 13 year old petrol run around (which he’ll eventually get)….been circa £130 for  3 months. Once he’s passed Im expecting the £1000+++ insurance

What’s the car? That’s potentially going to make a big difference.

Sounds quite cheap to me. Students I teach quote 2K regularly. Found out why expensive at Christmas when four 17 year olds flipped their car outside my house. Chasing another car down my narrow terraced road 1.30am, totalled their car (everyone got out of sun roof) and smashed up 4 parked cars. Police, ambulance, tow trucks, road damaged and recreational drugs left at scene. All taxed, insured and all students were OK. We were all 17 once.

Black box an option?

It does sound quite reasonable to be honest. Factoring in inflation it’s well below anything I was quoted at 17. Especially if it’s fully-comp, that’s a straight no for anyone in their teens. It’s just the way it is and always has been.

Don’t rule out a fully comp policy. If I cast my mind back a long way, I’m sure I had insurance that was cheaper as fully comp. Something along the lines of you are likely to present less risk if you are actually caring about insuring yourself as well.

How many 17 year olds actually need to drive these days?

Just because she is old enough to drive doesn’t mean she has to!

One more car on the road is not really what we need right now.

Worth checking sites/firms that do daily rates and even cheaper when you determine what times (i.e. not evening or at night), so not cheap if you / daughter drive every day but worth looking at while learning.

Our 17 yr old son was due to sit his test around now, obviously pushed back due lockdown, and we’ve got a 66 plate Ka+ that we inherited from my late FIL in December that we have hung onto for him. Currently he’s a named learner driver and the car is in my wife’s name, and on an Admiral fleet family policy that’s in my name. As a learner it costs us about £200 extra per annum, however once he passes his test it will be an additional £1800 or thereabouts…

I don’t quite get teens getting a car when they pass their test, I passed at 17 but didn’t get a car until I was 21 and working, I didn’t need one whilst at university and could borrow my parents cheap metro when needed (but not the Volvo).

Learning to drive when your young makes later life easier.

Sil didn’t learn as a teen and is now trying to learn along side her job fighting for the evening lessons that everyone wants.

Then work send her away on an assignment somewhere else and she lets the driving lessons slip……

Back to square 1.

Much easier as a teen to get the ticket.

@scotroutes That is a common argument trotted out and for a tiny tiny segment of the UK population it might be true. For most it’s a justification to do something they would rather do over any alternative. That’s fine but people need to be honest with themselves and realise they are part of the reason our country looks like it does. I totally put myself in this bracket as we are a 2 car household.

I didn’t get a car until my final year at uni, despite passing at 17.
I refuse to have a black box, having heard a few nightmare stories and it being a shared car.

Ours on 1.4 Ibiza estate, with Mrs_oab and myself on full business insurance, 12k miles, full NCB are:
No kids on @£180
One on Provisional @£600 p/a
One just passed @£1100
One a year in, one provisional @£800
Quote for one a year in and one just passed @£1600.
I’ve a third one in a couple of years.

Think of the bikes I could buy…

You can learn to drive without owning a car.

Youngest son passed just before his 18th and hasn’t actually driven since – he turns 26 next month, but I can put him on Co car insurance because he’s held his licence for so long, he’s talking about a refresher course when restrictions are eased.

Insurance for teens is expensive because they are more likely to be involved in a crash with multiple passengers that live with life changing injuries than other driver groups ☹️

My eldest (19) is paying £800 now for his second year (was £1100). He is driving a 2004 1.2 Corsa

My youngest is learning and I bought a 2002 Fiesta 1.4 off of someone from work for £400 and the quotes are coming in at £1200

Eldest is with Admiral with no black box. We are paying about £22 a month for learner insurance at the moment for younger son.

He has a part time job that pays around £350 per month, so he will pay us monthly for the insurance for the first year.

Put her on your insurance and let her take your car every once in a while.

We tried that a couple of years ago. It was considerably more expensive than having the new driver as the policy holder with me and the missis as named drivers.

That’s a point actually, is that quote with you and your wife as named drivers @codybrennan? That makes it cheaper.