Home Forums Chat Forum Can anyone recommend a young person car insurance broker… Please!

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  • Can anyone recommend a young person car insurance broker… Please!
  • DrP
    Full Member

    Step(ish) daughter had a 1.6 petrol beetle that was 2k to insure..but she killed it (let it overheat..engine died)..

    It’s something like 105bhp…

    So I found another beetle, 1.9tdi which is a pretty similar power.. but… Appears that model is uninsurable… Or for less than 5k..

    We’re just weighing up options at the moment…

    My suggestion of “maybe a beetle convertible, though lovely, might not be the best first car… How about a yaris 1L”.

    I got accused of not having emotions…!

    Anyway…

    Anyone able to suggest a broker we could contact today to get some help/options… The basic comparison sites are coming up with similarly high costs..

    Cheers

    DrP

    tthew
    Full Member

    I can’t help with a broker, if the comparison sites are saying the same,  that’s probably just how it is.

    Fiat 500 is similarly trendy and not mad expensive to insure.

    How about a yaris 1L”.

    I got accused of not having emotions…!

    Not surprised,  you’re a bloody monster! #brokenemojigoeshere

    DrP
    Full Member

    @tthew

    How very dare you make a sensible suggestion…you emotionless beast.. 😉

    Maybe my clinical brain analysis the situation too clearly… But it really does seem to me that there’s no getting away from

    “Beetle = her favourite car = expensive” and that’s just life…

    DrP

    susepic
    Full Member

    Apparently andrew flux(?) do some good deals, worth taking a look at.

    Have been looking at Fiat 500s the 1.2 is cheaper to insure than the 900multiair cos it doesn’t have a turbo.

    theotherjonv
    Free Member

    My son’s insured through Ticker, got a C1 insured for about £1600. A few places despite being supposedly young driver specialists just weren’t interested

    thorpedo
    Full Member

    Worth getting a replacement s/h engine for the beetle?

    1
    qwerty
    Free Member

    My 18yo son has a 2002 VW Polo 1.2l petrol 55bhp (32k on the clock!) cost £1500

    First years insurance was £1800, second year was £900

    Both years after much internet trawling the cheapest came from a comparison site that we tried first off but thought we could do better

    VW seem to add a premium for yoots

    DrP
    Full Member

    Worth getting a replacement s/h engine for the beetle?

    I looked into that..£350 for an eBay engine.. plus replacing it..

    But… A local VW chap berated the 1.6 engine and said he wouldn’t suggest pursuing it…

    It seems forums etc agree.

    As it is, the 1.9tdi is actually a beaut! I wish I kept it…

    Quite fun going from the polestar to a cutie red convertible beetle with naff all power but tonnes of character!

    DrP

    tenfoot
    Full Member

    My 19 yo daughter is ensured through Ticker. They give you a black box, but that seemed to be the cheapest option at the time (£500 pa on an 09 plate Ford Ka)

    trail_rat
    Free Member

    The fact the 1.6 engine is unpopular and shit is probably why it was cheap to insure.

    1.9tdi engines are tuners choice when it comes to vw.  so more likely to be involved in accidents.

    350 for a new engine sounds like a bargain . What caused the overheat anyway.

    4
    johnners
    Free Member

    I got accused of not having emotions…!

    Prove her right by getting irritated and insisting she finds her damn own car and insures it herself.

    fossy
    Full Member

    You’ve really got to research insurance before getting a car for a young driver. I suspect the engine size and the car’s age will up the price – older cars with big engines are un-insurable for youngsters – I think it was about £4k for my son to drive my 20 year old 1.8 petrol car.

    I’m paying £1,500 for a 60 plate Aygo so daughter 21 (passed 6 months) and son 23, can drive it. Aygo/C1’s are one of the cheapest cars to insure for youngsters.

    3
    fooman
    Full Member

    You’ve got to research which cars are cheaper to insurance, not which insurance is cheaper. Base models like Fiat Panda or Dacia Sandero which are unpopular with kids are cheaper probably because there are less yoofs driving and crashing then

    DrP
    Full Member

    What caused the overheat anyway

    I’m calling user error….

    I imagine there were a series of ever increasing , ever ignored dash lights on a particularly hot, stop start journey, before the final “smoke and limp mode” got engaged…

    Prove her right by getting irritated and insisting she finds her damn own car and insures it herself.

    Damn straight! This is my final attempt at helping before me and her mum split ways, tbh….

    They’re a fairly spoilt bunch tbh, and I’m sure once the ‘real world’ hits it’ll be a big shock.

    I wouldn’t humour the idea of getting my lad a car as soon as he passes… But hey ho..

    DrP

    branes
    Free Member

    +1 for the Fiat 500 suggestion. My brother has an eye for cheap motoring and got one of those for his 17yr daughter.

    Nobby
    Full Member

    Adrian Flux have a scheme for Beetle owners albeit she might have to join the owners club.

    Without knowing the ins & outs of the quotes you’ve been getting there’s sometimes gains to be made for younger drivers by adding parent(s) as drivers.  In our lad’s third year of driving the best option was a multi-car policy – me & the Mrs paid a little more but he saved best part of a grand.

    if Flux can’t help there’s also Chris Knott or Keith Michaels – both specialists who deal with those cases the comparison sites don’t like.

    matt_outandabout
    Full Member

    In my recent experience, young driver insurance is through the roof.
    We’re paying £1k for a 1lt Fabia.
    We cannot afford the youngest – adding 18yr old was £3.5k price.
    Seems like a ‘nice’ car with some oomph and style cost shitloads. Harsh. But reality.

    MoreCashThanDash
    Full Member

    There’s a reason young driver insurance costs a fortune and it’s not the value of the car, sadly.

    Our two have started with an underpowered 1l Fabia. Expensive to insure but they understand it’s a lot cheaper than a “nicer” car, and we are only prepared to help them so far.

    iainc
    Full Member

    Our 17 yr old bought a 23 plate base Polo (group 1) a few weeks ago, a week after passing his test and a few weeks before his 18th birthday. He is just starting an apprenticeship and will be commuting by car, so he’s funding it all himself. Cheapest we could get was with Acorn, and with him as Policy holder and main driver, and me with a clean licence as second named driver, it is £3800. That’s with a telemetry box too. We tried to add him onto his older brothers 72 plate 1.2 base Corsa, which is currently £1800 for same setup, with a 21 yr old as main driver. Insurer (Admiral multi car) wanted an extra £4K to add him on..

    retrorick
    Full Member

    I wonder if old cars are expensive to insure for new drivers because they don’t/won’t have the driving aids that a modern car has? Lane keep assist, autonomous emergency braking, auto lights, better crash protection for the occupants?

    I’ve just gone from insuring a 16yr old car worth (£500 trade in) to a 4yr old modern car and my insurance nearly doubled! Thankfully only from £230 – £400. I’ll make some of that increase back from the next 10 months of £0 ved.

    revs1972
    Free Member

    him as Policy holder and main driver, and me with a clean licence as second named driver, it is £3800.

    will be going through this soon. Have heard a lot of people do this . Does it affect your own policy if the child has to make a claim on the insurance ?

    allfankledup
    Full Member

    I’ve got two kids under 21 – both are driving cars that I own.
    I sacrificed my mk5 golf gti for a 1.0 bog standard Up! a few years back for them to learn to drive in. It still rankles…

    Eldest got his own policy 18months after passing his test – driving a Twingo RenaultSport that I bought for not that much in real world terms. Think of it as similar in power and performance to a peugeot 205 gti – he pays just under a grand fully comp on that.

    Daughter is on the Up! insurance – with 2 youngsters on there it costs around 1100 fully comp. One day she’ll get her own policy — probably after I buy a motor for her to get to the station in , she pays for the tax and insurance.

    Given where we live (west coast of scotland) and the fact that we are not running cars that are commonly crashed or stolen (Corsa,Fiesta, fiat 500) the prices tend to be lower.
    We did a bit of research recently and can put the lad in a boxster for around a grand fully comp – boxsters are now starting at around 5k to buy….

    So – experience and locale seem to be big factors in insurance costs in my experience so far…

    trail_rat
    Free Member

    Aygo/C1’s are one of the cheapest cars to insure for youngsters.

    Haven’t been for quite some time. Lots of Aygos being stripped for parts over night in many larger cities driving the price up.

    Insuring mine doubled this year even shopping round.

    the-muffin-man
    Full Member

    Whoever is paying chooses the car!! 🙂

    IME 1.25 Zetec Fiesta aren’t bad to insure. Our daughter had one and we didn’t even need to take the black-box route. On her own policy with me and the wife as named drivers.

    Talking ‘60 plate ish. Not the EcoBoom.

    Rich_s
    Full Member

    Does it affect your own policy if the child has to make a claim on the insurance ?

    Child’s policy & child’s claim = nothing to do with you, not disclosable by you on your own policy.

    If you’ve put child on YOUR policy as well, then yes it’s disclosable.

    “Multicar” type policies can get very complicated when a driver has an incident.

    Jingle
    Free Member

    Sounds like you might be in a position to look for a different car.

    Bizarrely, a Mazda MX-5 might be both lovely enough for your daughter, and still relatively cheap to insure:  https://press.gocompare.com/news/wheely-good-deals-the-10-cheapest-cars-to-insure-in-2023

    Guess insurance companies have found that having no rear seats means having less chance of having a car full of  youthful passengers to distract her/egg her on to be silly.

    You might enjoy the occasions when you are allowed to drive it too..

    MoreCashThanDash
    Full Member

    I’m liking the sound of the MX5 option!

    Eldest is 21 and setting up home with his girlfriend in a couple of weeks, and getting his first “own car” – 1.0 Hyundai i30. Even with his 3 years no claims, adding me as a named driver lowered his premium.

    sharkbait
    Free Member

    +1 for the Fiat 500 suggestion.

    The problem with the Fiat 500 is that their NCAP rating since around 2007 has not been good.

    I’d not put a newish driver in a car that’s less “safe” than other options.

    1
    tthew
    Full Member

    Even with his 3 years no claims, adding me as a named driver lowered his premium.

    Can work the other way round too. My dad added me to his policy a few years ago, when I was mid 40’s. He got a premium refund even after some policy change charges!

    jkomo
    Full Member

    Follow the instructions on Martin whatsits money website, good advice on how to make sure you get the best price on the comparison sites.

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