teenagers car insurance

does anyone know of a car insurance policy for teens that saves a lot of dosh i did have one but someone in the house has shredded it mmmmmmmm

im pretty sure car insurance policies for Teenagers that save money… no longer exsist,

where i live to insure a 1.0 litre corsa, with no years no claims and less than a years license is now costing over £1300 a year!

thats nothing ^^

My first year i paid £1600 for third party for a £200 worth renault clio 1.2 ('98).

Try Quinn Direct if its a boy, Diamond if a girl. neither are cheap, but probably the cheapest

Quinn are ok but if you crack the screen you pay for it then claim it back which is a pain, Churchill/admiral/elephant normally do some good deals, i got around it buy getting a classic car 1st £300 tptf back 2005, just dont do what i did and smacked it up pushing my insurance to £2000 on a Saxo, Vtr though, thank god its down to close to the classic pay now.

My Brother (20) got his mum to take out the policy, with him as a named driver. Managed to get fully comp on brand new corsa xsi for about £700 I think. He was just passed his test so 0 years experience.

Doing the rounds for my 17 year old right now. Admiral or Quinn are nearly a grand less than anyone else. Prices are still eyewatering though i.e. 1700 notes for a 1.4 Clio.

If you are tempted to use Quinn read the small print VERY CAREFULLY. They have more get outs than any I've come across 😕

My Brother (20) got his mum to take out the policy, with him as a named driver. Managed to get fully comp on brand new corsa xsi for about £700 I think. He was just passed his test so 0 years experience.

That is fraud mind, and if you are in a crash, you could easily get found out, have your insurance invalidated and be a bit buggered.

You're also risking them checking it out, particularly if someone's mum is getting insurance on a sporty little boy racer car that their 17 year old kid just happens to be a named driver on – again = you end up being done, and also losing your insurance.

Joe

admiral were a country mile the cheapest on my first car in 2003 – that was a 1.8 diesel fiesta valued at a grand and insurance third party fire and theft was 600 quid in my name …

went up a bit when i changed to a 1.6 escort -cause it had double bhp – now at 23 i pay 250 quid on a similar car

Agree with Joemarshall – it is very risky doing that as they know full well that people do this and will do anything they can to get out of paying a (fraudulent) claim.

I was £1600 on a 1.9 TD on with my mum. Dropped to £600 (2nd year)

That is fraud mind, and if you are in a crash, you could easily get found out, have your insurance invalidated and be a bit buggered.

You're also risking them checking it out, particularly if someone's mum is getting insurance on a sporty little boy racer car that their 17 year old kid just happens to be a named driver on – again = you end up being done, and also losing your insurance

Very unlikely imo, how can they prove that you have driven the car most of the time.

On the same mission for son at the moment. Renewal from Quinn is £1226.13 for 1995 Corsa 1.5TD. (One years no claims bonus and driver is just 18). Just ran it through Direct line and it's about £200 cheaper, so we will see if Quinn want to do a deal.
Hth
Marko

Marko, if Quinn 'do a deal' they're in breach of FSA regulations.

Why not take the lower quote from a better insurer?

Very unlikely imo, how can they prove that you have driven the car most of the time.

I've known people who were found out by the insurance company using PIs against them in the past – a PI on "retainer", a set of possible cars, send him out with a camera – series of daily photos over a couple of weeks would show who the main driver is. This is how they got caught out, the insurance company simply phoned up and said we're cancelling your policy and keeping your cash.
Of course if your mum has another car and goes to work daily, all they have to do is check with your works CCTV, or follow her to work.

Suggesting using a PI is unlikely, I would normally say true, but now knowing it happens I'd personally not risk it.

They have whole departments dedicated to anti-fraud, why do you think they'd not find out?
http://www.easier.com/view/Finance/Insurance/Car/article-144402.html

And, of course, if you're just a named driver and not the main driver you'll not be building up NCB.

Marko, if Quinn 'do a deal' they're in breach of FSA regulations.

How do you work that out? Have I missed something? They all price-match?

Hi Nobby,

I'll just ask Quinn to match the Direct line quote, thus saving all the form filling etc.I have a tiny bit of loyalty towards Quinn, only because they were the only company to offer a reasonable price for a 17 year old male with a provisional licence last year. (Still an arm and a leg though!)
'better insurer?' – Yes maybe, but they tend to cherry pick who they'll insure. They would not quote for Community Nurse for business use a few years back.
Regards
Marko

Very unlikely imo, how can they prove that you have driven the car most of the time.

They don't have to prove it, you do. If you live in the same house, and your parent is the owner of the car, it is probably harder, I reckon most people they catch are off living somewhere else (if you have a crash in your university town, in a named driver car, when your parents aren't there, it is hard to argue that you weren't the main driver), or buy the car themselves and get the parent to insure it (again it is hard to argue that you bought a car just for your mum to drive around, without giving the car to her).

Joe

Marko, if Quinn 'do a deal' they're in breach of FSA regulations.

Eh?

Oh, and Quinn worked out cheapest for me with my first car (albeit at 23 or 24).

They'll include glass cover if you pay them a bit more, I think.
That said, run it through a few of the myriad of quoting engines (confused, comparethemarket, etc.) that exist to see if anywhere works out better. Different insurers are cheaper for different addresses.

FSA regulations for Personal Insurance state that their first/renewal premium offer must be their best. It's intended to stop you, the consumer, being ripped off i.e. if they can reduce it by £200 when challenged then their first offer was not their best.

Adding a parent as a named driver can bring the premium down, I believe.

Teen premiums are expensive for a reason: they crash a lot. I teach at a 6th form college with 1800 students and we lose one every year or two in a car crash… 🙁

Wow @prices. I think I was quoted £1200 in '95 for an XR3i third party when I was 17.

Hence I went for Fiesta 950 0-60mph in 6 and half days.

It's cheaper to get the kids their own banger and build up ncd.

hi people thanks for all your replies just got a quote for a ikube policy with a company called protectagroup tel 0800 3893894 peugot 106 n reg other quotes 3k plus, protectagroup 1800 with 200 back after the lad does an online survey so anyone looking give these a try, this is the one that got shredded btw thanks again, gaz

Gazman, try getting a quote with the car registered in your wfes name with your son as a named driver, this made a massive difference 2 years ago when my daughter started driving.

Just skimmed the post but putting one of the parents as the main driver and the son/daughter as a named driver but in reality the son/daughter is the main driver is fraud. Despite it being "recommended" by Jeremy Clarkeson. Whilst in reality this might have been done for decades insurance companies are cracking down on fraud 'cos it's been increasing in the last few years but it's also one of the FSA objectives to reduce financial crime.

Some companies check the policies when they're taken out and flag up inconsistencies like this while others will flag it up to investigate if a claim comes in.

Either way you run the risk of having a claim turned down etc.

My twins turn 17 next month but we can only afford to get them one car to share. Any (legal) advice on getting the best insurance deal as only one will be driving the car at any one time?

Dont get the car insured in anyones name other than the main driver.

There are various way of getting the insurance down. Pass Plus can give you upto a 25% discount. Going to a broker may also work out cheaper than online – always does for my pupils.