I'm struggling with insurance prices for my kids this year !

[Nigel Worc's]

Despite getting insurance cover for myself that seems very cheap, I'm struggling for my daughters this year.

Daughter one, full licence 1 year, 2 years ncb, skoda fabia, tpft, car worth about £800, last year £600 ish, this year best quote so far £756.20

Daughter two, prov licence (just obtained), no ncb, nissan micra, tpft, car worth about £500, best quote so far £745.31

We all dislike people that drive with no insurance, but with the standard fine of £200.00, you really can see why some people choose to do that, along with all the other issues of "fronting" etc

[briers]

Personal injury claims on the increase, particularly accident prone winter with the freeze last year and general debt.

Dread to think how much more it's going up by.

[PHuckov]

Don't forget to add 6 points to that £200 fine. That'll cost you a bit more over 5 years.

[Nigel Worc's]

PHuckov said:

Don't forget to add 6 points to that £200 fine. That'll cost you a bit more over 5 years.

LOL, yes I know, but it only affects insurance premiums, and if you aint paying any, they wont increase !

[vonhosen]

Nigel Worc's said:

PHuckov said:

Don't forget to add 6 points to that £200 fine. That'll cost you a bit more over 5 years.

LOL, yes I know, but it only affects insurance premiums, and if you aint paying any, they wont increase !

That's not all though, because you are committing the offence every time you drive, you get banned & then if you continue to drive prison is a likely consequence (that's without the cost of your car getting seized & crushed).

[7mike]

vonhosen said:

Nigel Worc's said:

PHuckov said:

Don't forget to add 6 points to that £200 fine. That'll cost you a bit more over 5 years.

LOL, yes I know, but it only affects insurance premiums, and if you aint paying any, they wont increase !

That's not all though, because you are committing the offence every time you drive, you get banned & then if you continue to drive prison is a likely consequence (that's without the cost of your car getting seized & crushed).

It's a bloody Micra, crush it anyway

[Munter]

Nigel Worc's said:

Despite getting insurance cover for myself that seems very cheap, I'm struggling for my daughters this year.

Daughter one, full licence 1 year, 2 years ncb, skoda fabia, tpft, car worth about £800, last year £600 ish, this year best quote so far £756.20

Daughter two, prov licence (just obtained), no ncb, nissan micra, tpft, car worth about £500, best quote so far £745.31

We all dislike people that drive with no insurance, but with the standard fine of £200.00, you really can see why some people choose to do that, along with all the other issues of "fronting" etc

Those increases don't seem totally unreasonable considering it's gone up for pretty much everyone this year anyway.

[Magog]

As a youngish man both sound perfectly reasonable quotes to me. In fact they sound pretty cheap.

[davepoth]

Wait until next year when the EU equalises the prices for men and women. The premium will triple...

[Deva Link]

Try fully comp - sometimes it's cheaper than TPF&T.

How old are the girls? Both mine got their first cars at 21 after uni and both started of at about £500, and that was 5 & 7 years ago. That was fully comp on new, £7,500 cars - but I don't think the car's value has much, if any, effect. LV, for example, just have a "up to £20K" box for the value.

Admiral was always cheaper for one, and Bell (also an Admiral company) cheaper for the other. The Admiral premium went bonkers a couple of years ago so moved away from them but other daughter is still with Bell.

[Synchromesh]

You're daughters are 17 and 19 at the youngest. Why are you doing their quotes for them - aren't they old enough to use the internet/phone? Don't tell me you pay for them as well...

[Deva Link]

Synchromesh said:

You're daughters are 17 and 19 at the youngest. Why are you doing their quotes for them - aren't they old enough to use the internet/phone? Don't tell me you pay for them as well...

I just organised the insurance for my 27yr old (she paid though).

I find girls will just pay whatever is asked. I'm always amused by threads on here about tyres for example, where people will be trying to save a tenner - women generally wouldn't dream of shopping around to save money.

[BertBert]

If you think that's bad try boys (so to speak). The minimum seems to be £2500 for any kind of policy with a 17 yr old boy on it. Completely priced out of the market.
Bert

[Nigel Worc's]

My daughters are indeed 19 & 17 years old.

They are girlies, daddy is interested in everything to do with motoring, they are not.

Daddy does all the insurance, tax, mot's (where applicable), tyres, servicing & breakdown stuff for daughters and wifey.

I supervise my children quite closely on what they do and don't do regarding motoring.

Isn't that what responsible parents do ?

[Stedman]

Synchromesh said:

You're daughters are 17 and 19 at the youngest. Why are you doing their quotes for them - aren't they old enough to use the internet/phone? Don't tell me you pay for them as well...

True, but, A)It's none of your business , and, B) I'm yet to find a girl that is remotely interested in cars etc.

Quotes sound reasonable to be honest, but try Fully Comp, it's usually cheaper for us young'uns

[greggy50]

£750 for a 17 year old female is very cheap
Most ones I know are paying well over a grand 12 - 1500 range when passed aged 17 on normal cars such as a 1.1 206 and a 1.2 clio
It costs me £1800 to insure a 1.25 fiesta aged 18 ffs :/

[WhoseGeneration]

Nigel Worc's said:

My daughters are indeed 19 & 17 years old.

They are girlies, daddy is interested in everything to do with motoring, they are not.

Daddy does all the insurance, tax, mot's (where applicable), tyres, servicing & breakdown stuff for daughters and wifey.

I supervise my children quite closely on what they do and don't do regarding motoring.

Isn't that what responsible parents do ?

Yes but a responsible parent might like to consider educating their offspring in the necessities of operating in this society.
Their responsibilities in owning and operating a car.
Which I'm sure you know.
Women are perfectly capable of being responsible for cars.
What if you weren't there?
Tomorrow.

[Nigel Worc's]

WhoseGeneration said:

Nigel Worc's said:

My daughters are indeed 19 & 17 years old.

They are girlies, daddy is interested in everything to do with motoring, they are not.

Daddy does all the insurance, tax, mot's (where applicable), tyres, servicing & breakdown stuff for daughters and wifey.

I supervise my children quite closely on what they do and don't do regarding motoring.

Isn't that what responsible parents do ?

Yes but a responsible parent might like to consider educating their offspring in the necessities of operating in this society.
Their responsibilities in owning and operating a car.
Which I'm sure you know.
Women are perfectly capable of being responsible for cars.
What if you weren't there?
Tomorrow.

Then they will have to deal with it themselves, but whilst I am here, it is my pleasure to act as their father/husband.

Have you dealt with teenagers ( especially girls !) ?

[brillomaster]

sheesh, I really feel for young drivers these days - insurance premiums are truely ridiculous. Have you tried an admiral multi car policy? worked out a fair bit cheaper for my 23yo gf on a 1.1 206 and me, a 23yo with a 300ZX TT.

Have tried owning the car and putting them on as named drivers? some companies offer ncb for all named drivers (direct line?) so might save some money there.

[guillemot]

WhoseGeneration said:

Nigel Worc's said:

My daughters are indeed 19 & 17 years old.

They are girlies, daddy is interested in everything to do with motoring, they are not.

Daddy does all the insurance, tax, mot's (where applicable), tyres, servicing & breakdown stuff for daughters and wifey.

I supervise my children quite closely on what they do and don't do regarding motoring.

Isn't that what responsible parents do ?

Yes but a responsible parent might like to consider educating their offspring in the necessities of operating in this society.
Their responsibilities in owning and operating a car.
Which I'm sure you know.
Women are perfectly capable of being responsible for cars.
What if you weren't there?
Tomorrow.

This! You just never know what will happen and having been in this situation I've been learning the hard way that if you suddenly don't have someone like dad to ask, garages are quite happy to take you for a ride. At the very least you need to teach them to sort the basics!