My turn with the new driver insurance arm and leg policy!

Renewal of the daughters car insurance policy is due early September – currently on a multi car with Admiral. It’s a wheezy 1.0 Fabia.

Looking for quotes as she takes her test two days before her renewal, so hopefully will no longer be a learner. I’ll still be the main driver as I have it for commuting and running around in, and it won’t be going to uni with her next year.

Admirals quote for her part of the multicar would triple from £1k to £3k.

Best I’ve seen so far is Hastings at £1800 for her own policy, using a black box app, though I need to manage to talk to a human being to see if they can work a multicar as it won’t let me do it online.

We ended up with Acorn for my 17yr old when he passed his test a few months ago. We tried on our admiral multicar policy and it was over 5k. Car is a 1 yr old base Polo so same engine as yours. Glasgow postcode, 17 yr old male as policyholder and main driver, me as named driver, late 50’s and clean licence, He needs 10k mileage and commuting as has just started an apprenticeship.

Acorn was best deal after much shopping around and was still £3800, and that’s with a telemetry box.

If he’d been a student it’d have been just under 3k and if he was a she it was £1900…

£2k is about the norm for a driver who’s just passed their test.

My son passed last year and paid £1400 fo a 1.3l Hyundai i30 with a black box.  It’s his car, with him as main driver – putting his mum and I on the policy reduced the cost.

Company was called Ticker

We let the lad get some experience whilst on our policy, after 18months or so he ventured out and bought his own policy for a car I owned. Favourable postcode (Kilmarnock Area) and he’s less than 1K fully comp.

Daughter put about £800 onto our up! policy when she passed her test — apparently 2 kids under 20 on a policy does that….still better than some of the numbers others share

It jumps once they pass. Daughter still not keen on driving since passing in November and has only used the car a few times with me or MrsF. Son has been using it mainly until recently. Paying about £1600 on a 60 plate Aygo (argh). Hopefully it will come down this year.

I understand why it’s an arm and leg, but bloody hell it’s gone up since the eldest went through this 3 years ago.

The good news is that eldest (now 21) is now down to £700 on his 1.0 I30. And pays his own way now he’s moved away.

Best I’ve seen so far is Hastings at £1800 for her own policy,

That is cheap from our experience.

Eldest on our Admiral multi car wrote off my Polo, which (no surprise) made quotes eye watering. As he’s at Uni and only needs it some holiday weeks, I use a temporary insurer (Dayinsure) which is about £100/week iirc, but much less than annual cover and he contributes as it’s to get him to evening work.

Beware the black box, as speeding is two strikes and out, and the “have you ever had insurance cancelled or refused” really inflates the £££

1.0 Fabia daughter just passed £1700 with Hastings see https://singletrackworld.com/forum/topic/17-year-old-and-car-insurance/. We’re away at the mo and if I’d delayed the whole thing a month for when we got back I reckon I’d have saved a couple of hundred.

Just looking for my daughter and the prices have increased between £500-1000 since I initially got quotes when we bought the car last year. C3 1.2 engine in Dorset.

The cheapest I could find was £2000 via a company I had never heard of, the best quote for well known company was £3800, I’d rather not have a black box but it adds a lot to get a policy without.

My reason for no black box is the times of day she may be driving due to work hours, possibly early starts (4-5am) and late finishes (2-3am).

Once she has passed we will just have to bite the bullet.

My reason for no black box is the times of day she may be driving due to work hours, possibly early starts (4-5am) and late finishes (2-3am).

i posted earlier up, our son is with Acorn, the ‘black box’, which is called Theo, doesn’t penalise for time of journey to any great extent, and it splits the scores by speed, braking etc and time of journey.  He drives to work early and often late to or from his girlfriend’s and he’s still on average about 85% and 5 stars

Hastings black box seems fair and reasonable in the limited time we’ve had it. Easy to use, no time penalties and ‘gamifies’ sensible driving. Sure you’ll get done for the sort of heavy breaking that sometimes is required on the narrow roads where we live but it’s negligible in the grand scheme of general driving. It’s only the policy holder (my daughter) that needs to use it too. Of course time will tell though and I’m sort of reassured that black box policies have been around for long enough now to make them practical. Besides it means they know they’re being monitored (driving as a responsibility not a right) and I have an over confident 15 year old son who’s up next and there’s no **** way he’s not having a black box.

Son (18) is with Hastings direct and was just over 2K on a 66 plate 1.2 Suzuki Swift. Would have been just under £2k for an Aygo I think. Black box but no limit on what hours he can drive and the “two speeding strikes and you are out” bit is only for going massively over the limit. Can’t remember exactly what it was but I remember reading it and thinking if he was going that fast he deserved it. It’s certainly not just a case of going one or two mph over the limit or anything.

He stacked his first car into a tree (which is why it is so expensive of course) and they were very good. Settled up quickly with a decent price and let him put another car on the same policy at no extra charge. We’ll see what happens at renewal time but I’ve spoken to a couple of local lads who had crashes in their first year of driving and both said that their premiums didn’t really rise much after the first crash they just didn’t go down like they would  normally after the first year. We’ll have to see on that one though.

My reason for no black box is the times of day she may be driving due to work hours, possibly early starts (4-5am) and late finishes (2-3am).

Blimey that’s a long shift!

LessCashThanDash these days then? Elder teenagers is a bloody expensive habit to maintain.

Son2 was £2400, for his first policy. He’s 23. And it’s an S3 in Coventry. Some of the quotes were insane. His day job is driving something 7000x more expensive. And that didn’t help with the quote either. I’m not on the policy, but Mrs TiRed is to reduce the premium slightly.

I’d expect 150-200 per month for a young driver in a small car.

An S3 wot like an A3 but more synonymous with boy racers? £2400 sounds like a bargain regardless of the skills and trust associated with his day job (don’t all pilots drive like bell ends?) ?

there’s a reason I’m not on the insurance. Some areas in Birmingham near the airport were more than double that premium. Mercifully he’s actually restrained. Cars don’t have a good record in my family.

LessCashThanDash these days then? Elder teenagers is a bloody expensive habit to maintain

Thank God there’s only one of them left to fund.

Are all these prices 3rd party, fire and theft only? If so I’m gobsmacked at the prices! Surely you’re not buying your little darlings cars so expensive the cars themselves need insuring?

Hastings with a black box came through best for my youngest too. £1800 on a Clio 1.2 there are 4 of us on the policy including her sister who is 21.

Are all these prices 3rd party, fire and theft only? If so I’m gobsmacked at the prices! Surely you’re not buying your little darlings cars so expensive the cars themselves need insuring?

TPF&T can cost more.

But my little darlings car is about £5k – dead grandparents were generous in their will. And I don’t want my little darling in a shitty old banger that will leave her stranded in the middle of nowhere.

My little darling drives the same car I run around in (other car is a van), and her two brothers will learn in.

@tired the ‘pilots drive like bellends’ comment previously had a cheeky emoji that got binned in a stealth edit. I guess I’ve just read and watched too many NASA dramas and documentaries.

Are all these prices 3rd party, fire and theft only? If so I’m gobsmacked at the prices! Surely you’re not buying your little darlings cars so expensive the cars themselves need insuring?

You aren’t just insuring the car, you’re insuring against all the other costs incurred in a major accident which can run into tens or hundreds of thousands.

My daughters first car was a £3k Fiesta – the insurance was £2k.

My reason for no black box is the times of day she may be driving due to work hours, possibly early starts (4-5am) and late finishes (2-3am).

I believe some black boxes are more forgiving (or ignore the time) than others.  If she drives fast at 4am or takes corners like an F1 driver that may be a different thing.  Others use it simply to monitor who the main driver is (beware I know of one which measures that on “number of journeys” not distance or time – one friends son drove to pick up four friends each time parking and turning engine off like a diligent newbie, and dropped them off later.  App says 10 journeys, but he only did about 5 or 6 miles in total  and was driving for less than 40 minutes… it then flagged that his dad had used the car less than him that week because his dad “only” used it for one 250 mile round trip (two journeys) that took him about 5 hrs behind the wheel.

if she is only using it outside uni time, and not that often – it may be more economical to use temporary cover (via an app where you pay for the hours you use).  She needs to be really disciplined for that – no forgetting or running late and not bothering but presumably since you use the car for commuting she’s not going to be taking it for huge periods during the week.   Most insurers seem to only consider whole numbers in their age and experience calculations.  So if you are 17 and 11 months then a month later a policy is quite a bit cheaper, same if you have held a full license for 10 months it’s basically less than a year.  Ironically you can pass your test then not actually drive but in terms of insurance you still build up experience.

‘pilots drive like bellends’

the real issue is they fall asleep driving after a long duty. there was an uplift in premium for that job. Research scientists is a little cheaper! There was an even bigger premium for location though.

I recall motorbike insurance; YZF125 was £1250 for him with me named. A Yamaha FJ1300 for me as a newly qualified rider was were £151!

My reason for no black box is the times of day she may be driving due to work hours, possibly early starts (4-5am) and late finishes (2-3am).

Off peal times. If it’s part of their work then it won’t make a lot of difference if declared.

You aren’t just insuring the car, you’re insuring against all the other costs incurred in a major accident

This. It’s the cost of a lifetime of 24/7 care for the 4 passengers when the car gets rolled into a tree. I worked for the insurer who paid out the first £1 million pound damages claim. Would have been way cheaper to reverse back over them – very dark humour helped cope with some of the awful shit we had to read and see photos of.

Can’t help on insurance, but back in the day, I had a pal who referred to (legally) her mum’s car as “her car” to a policeman after a minor bump then had massive insurance issues. If you are the main driver, ensure your daughter always refers to it as “my dad’s car” when asked.

My 18yo son paid £1800 for a 55bhp 2002 Polo for his first years insurance, dropped about a grand for the second year.

If you are the main driver, ensure your daughter always refers to it as “my dad’s car” when asked

Yep – I used to handle motor claims, and fronting is a real issue. Understood why people do it, but was good to catch them out.

Definitely my daily runaround, realistically she’ll only use it a couple of times a week.

Fronting really bothered me at first but I’ve mashed out the scenarios and can honestly say there’s no way to tell who’ll use it most either in terms of number of journeys or distance covered. Of course after a year (when she buggers off to uni and it all changes) we’ll have real data but in the meantime I just hope (expect) it balances out.

I noticed a “How to spot fronting” guide posted at work last week. Insurers are well aware of the telltale signs, so it’s not a good idea to try and register yourself as the main driver if it’s really your kid.

Only cut and dried scenarios I could pick up on when reading up on it were things like cars / main drivers in different locations e.g. uni, or a car being used to commute five days a week

I understand why it’s an arm and leg, but bloody hell it’s gone up since the eldest went through this 3 years ago.

Car insurance is going up a lot generally because damage to cars is costing a lot more to repair! Damage to a single LED headlight unit can cost upwards of £1200 to replace, a heated windscreen around £1000, a plastic front bumper, which may well have parking sensors built in roughly £1000. Plus fitting costs. Even non-heated screens can take 2-3 hours to install, because they can have a bunch of cameras and sensors in a housing where the rear-view mirror is located, and they all require recalibration when the new screen is fitted, and not every windscreen fitter has the necessary equipment to do recalibration – I had to take cars to Cribbs Causeway in Bristol, an hour’s drive each way, plus the 2-3 hour’s waiting time, so five hours out of my working day, all of which has to be accounted for.

A small scrape on my car’s front bumper, plus repainting a plastic lower door trim panel which had been poorly painted before I bought my car cost me £250, which I thought was reasonable, and was about what it cost me to have the upper half of one of my rear doors blended into the lower half after some knob head lobbed an egg at my car as I was driving home from work one winter evening. The shell did a surprisingly large amount of damage, I’m lucky I didn’t have to have the entire door resprayed, as it’s metallic paint.

And it’s going to get worse.

My son has just been screwed over. Bought a used 57 plate 320d in June. Insurance no issue. Company has just turned round at end of August that they aren’t insuring under 25’s on BMW’s.  They have cancelled his insurance. Adrian Flux will insure his modified (full declared) Fabia but not a bog standard onl BMW.

He’s a bit stuck as he uses the BMW for work. He is able to use the family run-about Aygo though. Problem is it’s in Wales with me for a week. I may have to run it home on Tuesday and swap to my car and come back on holiday.

Bloody insurance companies.

PS he’s almost 24 with 6 years driving experience

My turn today, my 18 year old daughter passed her test on Friday.

Seat Mii 1.0 insured for £1300 with Hastings Direct with daughter as main driver, me and my wife as named drivers, car still owned by and registered keeper as me and kept at my house (it’ll be used by second daughter to learn in April). I’m pleasantly surprised, I was expecting about £1000 more.

And she’s just texted to say she’s made it to work at the swimming pool – first solo drive!

Company has just turned round at end of August that they aren’t insuring under 25’s on BMW’s. They have cancelled his insurance.

Eh? Was it due for renewal at the end of August? Or the insurer cancelled it mid-term?