Insurance For 18yr Old
#1
Posted 23 October 2008 - 11:17 AM
Son is about to start learning to drive at 18. I've got an Equinox ready for him to learn in, as well as professional lessons. Can anybody recommend any insurers who can cover him at a reasonable price at this age?
Thanks,
R
#2
Posted 23 October 2008 - 11:19 AM
Really decent bunch and incredibly helpful. Maybe give them a bell?
#3
Posted 23 October 2008 - 11:24 AM
#4
Posted 23 October 2008 - 03:01 PM
a friend of mine went with Norwich union, but a 1275 on a new driver, he was paying £1800, where i was on 998 paying £500....
#5
Posted 23 October 2008 - 03:06 PM
#6
Posted 23 October 2008 - 03:13 PM
Just a word of advice though, try and get insurance where you have an agreed value for the car (I think its mainly classic and specialist car insurance), then if anything happens, you will get what the car is worth and not just the book price
#7
Posted 23 October 2008 - 03:15 PM
Still with them now with Peugeot 205 mi16 and cant find a better quote !
#8
Posted 23 October 2008 - 03:17 PM
£714.00 fully comp
I pay £74 month out of my bank, but have just changed over for beck to pay it because shes 18 on Monday
They are very good
Good luck with it,
Netty
#9
Posted 23 October 2008 - 04:26 PM
I found the cheapest way was for my Mum to insure the car and put me down as a named driver.
However if you do this it is always better to pay a bit extra and go with a company who will give named drivers a no-claims discount
I'm with tesco, i now have been driving a year and got a years no claims (as long as i stay with tesco) and my renewal price is £330
Put a low annual mileage, around 3000
Tesco insure any car as long as its post 1982 i think.
Give it a try.
Hope it helps
Lukie-J
Edit: Forgot to add, Mine's a 998 mayfair, not sure how it will differ, aren't equinox's 1275?
Edited by Lukie-J, 23 October 2008 - 04:52 PM.
#10
Posted 23 October 2008 - 04:33 PM
dad as the main driver on the insurance as the car is in his name max no claims and no convictions, but to be fair i only use the car about twice a week and to go to shows, he takes another mini. its good when your perents have the same hobby as you when your relitivly young like me.
Modifications:
1300 replacement engine bored out head work bottom end work and so on all declared.
13 inch wheels
arches
interior modifications
annual milage of 2000
just under a grand with liverpool victoria.
Edited by flyingears2002, 23 October 2008 - 04:33 PM.
#11
Posted 23 October 2008 - 07:27 PM
#12
Posted 23 October 2008 - 07:33 PM
but if you are a named driver and you have an accident and they find out that you always drive and your mum/dad hardly does, then your in for it, its called fraud... lol its better just to pay the price and wait until you get some no claims under your belt, or become a girl.....
Everyone always says that and to an extent it's true. But I personally fail to see how any insurance company can prove beyond any reasonable doubt (which is what they'd have to do in court) that you've intentionally been fraudulent and that you're using your car more than is a reasonable amount as a named driver.
#13
Posted 23 October 2008 - 07:39 PM
Everyone always says that and to an extent it's true. But I personally fail to see how any insurance company can prove beyond any reasonable doubt (which is what they'd have to do in court) that you've intentionally been fraudulent and that you're using your car more than is a reasonable amount as a named driver.
I had a friend a few years ago who had worked for More Than insurance, and it is well known as "fronting". With a Mini you'll probably get away with it. It's when a 47 year old dad who's other car is a Picasso is insured on a brand new Saxo VTR (with son as named driver) they start raising eyebrows. It's pretty obvious in those sorts of cases that the dad is the main driver to get the premium down... and from what my friend told me they could just invalidate the claim based on a weight of doubt against the claimant? In this case I take it it would be down to the claimant to then challenge it in court?
There again someone I know around the same time (I remember them arguing about it in the pub!) was a named driver and his dad the main driver on his 205 GTi, and he decided to wrap it around a tree, but his claim was sucessful.
#14
Posted 23 October 2008 - 07:43 PM
Anyway, I steered this off topic there didn't I
#15
Posted 23 October 2008 - 07:46 PM
But I guess if the kids wrapped the car around a tree the insurance company would try the same deal.
In the case I know of, it was the son who wrapped it around a tree but the insurer didn't blink an eyelid.
Suppose it depends a lot on the insurer and obviously the specific circumstances.
Back on topic, I found the cheapest insurance for me (when I was 21) on confused.com ... I managed fully comp, in my name, on a 998cc Mayfair for £440 in a supposedly "high risk" postcode, with 5 or 6k limited mileage. I hadn't been insured before either although I'd have my license 4 years.
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