16 replies to this topic

[black olive]

1980 mini 1000. 17yo female new driver. wife has been looking for quotes, we did one for a later mini city a while ago which was coming in about 800, but because this ones an earlier mini, most online quote sites dont list it, and the quotes we can get are coming in around the 3000 quid mark !! cant be paying that amount ount. any suggestions guys, I was going to ring the likes of CIS and NFU mutual next week for some advice. ??

[Bungle]

with a classic car your going to have to pick up the phone and talk to a real person

garaging, limiting the mileage and joining a owners club will help bring the cost down

look in the insurance section for specialist insurers and don't forget to get agreed value insurance if you want more than scrap value for it after a crash

Edited by Bungle, 31 December 2012 - 08:56 PM.

[Alex_B]

I recommend Adrian Flux (Flux direct for an online quote) I managed to get a decent quote as a new driver with them so worth getting a quote :)

[tomtaylor1994]

The only way to get a decent quote for a 17 year old is to put them on your insurance. And with quotes coming back as £5000 average for me, this is the only way.
Been there. Done that. Paid £600 for my insurance.
Register yourself as main driver, daughter as secondary driver. Transfer ownership to her. I recommend Aviva, as the secondary driver also builds up a no claims bonus.
Hope this helps (:

[creakyjaws5533]

Just done my insurance most classic car insurers don't like young drivers (under 21) as a rule, I couldn't find on the cheapest I found was elephant on my own policy at £1489 with my parents as named drivers. There is little difference in the price we the other way round or at least I found that cheapest quote on my mums policy £1600 probably didn't help that the car is in my name it similar with a lot of my mates as well.

[scrog]

got a quote of £88 fc for my 65 on a classic policy and when i put my 2, 17 year old lads on as learners it went up to £195
not really looked into after they pass yet though

[Ryang556]

Graham Sykes have been good for me, modified car insurance

[black olive]

thanks, Im with Flux on it ATM, and they do do a cheap learner scheme, but that stops when they pass will try the likes of aviva etc.

[Joe-C]

The only way to get a decent quote for a 17 year old is to put them on your insurance. And with quotes coming back as £5000 average for me, this is the only way.
Been there. Done that. Paid £600 for my insurance.
Register yourself as main driver, daughter as secondary driver. Transfer ownership to her. I recommend Aviva, as the secondary driver also builds up a no claims bonus.
Hope this helps (:

This is illegal though; it's called fronting.

If you are driving the car all the time then you should be the main driver.

[mab01uk]

The only way to get a decent quote for a 17 year old is to put them on your insurance. And with quotes coming back as £5000 average for me, this is the only way.
Been there. Done that. Paid £600 for my insurance.
Register yourself as main driver, daughter as secondary driver. Transfer ownership to her. I recommend Aviva, as the secondary driver also builds up a no claims bonus.
Hope this helps (:

This is illegal though; it's called fronting.

If you are driving the car all the time then you should be the main driver.

True......when we used to do this (in the old days!) the parents name had to be on the log book and the secondary driver always had to remember to say if stopped by Police or involved in an accident that it was parents car. However if insurance company suspected they could check for regular use (say to work/college, etc) and there were even cases where the cd/ music collection found in the car pointed to the young driver being the real main driver as far as insurance were concerned, so no pay out !

Edited by mab01uk, 03 January 2013 - 12:59 PM.

[Bungle]

false

when i was 18 my mini was registered in my name but insured in my mums name with me as a named driver as she did use the car more than me

i had a works van that i used daily and only used the car weekends and the odd evening, mum helped cover the running costs in return for use of the car during the week

even though it was my car the insurance company wanted the insurance in mums name as she was the main driver

[giner88]

Maybe things have changed since you were 18?

[Joe-C]

false

when i was 18 my mini was registered in my name but insured in my mums name with me as a named driver as she did use the car more than me

i had a works van that i used daily and only used the car weekends and the odd evening, mum helped cover the running costs in return for use of the car during the week

even though it was my car the insurance company wanted the insurance in mums name as she was the main driver

Yep. you obviously weren't fronting as you were not the main driver but by the sounds of it "tomtaylor1994" is the main driver and is only down as a named driver which is illegal.

I'm not judging him for doing it, I know lots of people who have done it for their first year, just letting the OP know that it's technically illegal.

[ljs4]

The only way to get a decent quote for a 17 year old is to put them on your insurance. And with quotes coming back as £5000 average for me, this is the only way.
Been there. Done that. Paid £600 for my insurance.
Register yourself as main driver, daughter as secondary driver. Transfer ownership to her. I recommend Aviva, as the secondary driver also builds up a no claims bonus.
Hope this helps (:

I tried that last year when I was trying to get insured for my first year but the prices never dropped. They call it fronting Apperently but I'm glad it worked for you :)

[Bungle]

Maybe things have changed since you were 18?

it was a long time ago