To be frank, sell the clio. Big mistake, you’ll be lucky to get under 2.5k for years. He’ll need something different from all the other young drivers. Classic cars have the cheapest insurance or something like a land rover 110 as owners don’t usually claim for small stuff…
Sadly no longer true. Most classic will only work if the driver has access to another car and as far as Defenders go, they’re worse that a lot of the more common shit boxes that kids drive around in. Corsa’s are actully pretty cheap, as are Ford Ka’s, Citroen C1, etc.
We have my 18yo daughter as a named driver on our Defender and that’s £1600. She only uses the car occasionally and pays the difference from what it was just for me and the wife (£225)
The policy didn’t increase when she passed her test though, that’s with someone called Fresh (no I hadn’t heard of them either).