23 replies to this topic

[rooster]

Hi,

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

[Mini_the_Minx]

It would be best to search around. But Quickfit insured me on my Racing Green at 17 for £700 TPFT.

Really decent bunch and incredibly helpful. Maybe give them a bell?

[Git]

Sureterm and Adrian Flux have 15%discount for TMF+ members

[tedmcedd]

i went with Footman James, but im not sure the Equinox is old enough for classic insurance..??

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....

[Git]

HIC class any car older that 15 years a classic

[sazal]

Im with Footman James and went with them as soon as id passed my test.

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

[miniman retford]

My son went with Footman James at the age of 17 when still a learner, got discount as a member of british mini club,

Still with them now with Peugeot 205 mi16 and cant find a better quote !

[NETTY]

becky is 17 with her mini city 998 as her first car. Is fully comp with AUTODIRECT (who are the brokers) but her insurance is actually with ZURICH who are a very good company.

£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

[Lukie-J]

I'm just coming up to my first renewal! I'm also 18
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.

[Sam Walters]

im 17.

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.

[tedmcedd]

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.....

[The Matt]

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.

[yorkshirechris]

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.

[The Matt]

Yeah, you're probably right to be honest Chris. I just think that to invalidate it as people often say they will would only be based on an assumption made by the insurance company. I know 40-odd year olds with some major chavvy cars (one of them being an Escort RS Turbo with a Zetec engine in it, stupidly blinging rims and a daft exhaust) and they do have their son and daughter insured as a named driver (genuine cases as they are only allowed to use the cars at weekends or in emergencies). But I guess if the kids wrapped the car around a tree the insurance company would try the same deal.

Anyway, I steered this off topic there didn't I

[yorkshirechris]

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.