- Car insurance for teenage daughter
My 17 year old daughter’s passed her test and we’re trying to get her insured. Jeebus! The cheapest quote for the car she learnt in (Peugeot 307) was £9k – but only once she’s 19. So now we’re looking at cars in the lowest insurance brackets (eg Polo 999cc) and the cheapest quote I’ve found so far is £1800 with one of those black boxes.
Anyone got any tips?Posted 4 years agoThrustyjustMember
My daughter started in a 1.4 polo of £500 value with Admiral. Was £1100 until she passed and then went to £1400 TPFT. We then went to Bell ( same company ) for the following year. She is now 19 and has a 1.6 Focus Zetec and is £650 a year fully comp with Admiral again. Both me and the wife on the policy too. Limited mileage helps to lower premiums. Black box’s dont make any difference and because she ,at the time worked for Next when not at Uni, meant she would leave early for the sales etc.Posted 4 years ago
It is a nightmare, but think outside the box as well. Most younger drivers have fiestas, corsas, Polo’s etc. The insurance look at statistics and see that Polos driven by a teenager has a higher risk of an accident that a Hyundai I10 etc.large418Member
My lads insurance last year (19th birthday, just passed test) was 2300, it went down to £1800 by adding his gran to the policy (even though she would never drive the car). This year it’s gone down to £700 with “Insure the Box” and he drives quite well (you amass extra miles on the policy through good driving). This is all on a 1100cc Fiat Panda.Posted 4 years agochewkwMember
I have int’l license from other country then bought a car on Provisional license a Toyota 1.6 auto … the cheapest insurance for the 1st year was 2K plus then dropped to 1K last year. Now that I got a proper UK license … I am just keeping my fingers crossed that it will be less than £800 this year. I checked insurance on the web and the cheapest given to me was £700 two months ago. Fully comp and 8,000 miles per year.Posted 4 years agosomafunkSubscriber
Just put her on your policy as a named driver, i take it she will be sharing the family car?, otherwise there’s no easy way out of spending a small fortune if my mates kids and their extortinate insurance quotes are anything to go by.
Insurance seems to a complete rip-off at the moment, compared to what a mates kids pay in the states for their 400bhp gas guzzlers anyway, Back in 1993 at the age of 21 i insured a Lancia Delta hf Integrale for £500ish fully comp – i imagine it would be impossible to insure such a car these days for someone so young.Posted 4 years agochewkwMember
nickdavies – Member
Tip: Don’t move to Birmingham. I’m still paying a grand a year to insure a 1.6 diesel estate with 10 years no claims, no points, convictions or accidents ever, and its in a locked underground car park overnight with CCTV.
God almighty! 😯 That much! Try Aviva.Posted 4 years agoIanWMember
There are about six threads which just repeat as its previous effort drops of the top few pages, this is one.
Premiums reflect the costs of claims plus a bit of trading profit if the co’s lucky , distributed proportionate to a persons(based on segment history) likelihood to cost the fund money.
Young drivers have a habit of claiming so get the highest premiums, (would you like to cover the cost of their potential third party claims?).
Female young drivers are likely to pay more now because insurers cant charge more for males so have to split those costs equally.
Best bet for young drivers is one of the telematic schemes which give the driver a chance to prove their driving characteristics are safer than their peer group.
New schemes are coming online all the time.
Other than that I wholeheartedly agree with the comment above, if anyone is capable of getting about under their own steam it should be our young people.
Get them a bike.Posted 4 years ago
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