Defender Insurance for my 17 year old?

[Robbo1969]

Yes, that time that every fathers dreads has come!

The “Datta” is 17 soon and I don’t want any offspring of mine driving around in a 1 litre roller skate.

So, any (sensible’ish!) tips on how I go about insuring her. (As in not £5000 a year!)

I am a business owner, so the business will buy the car and possibly putting her on a fleet policy!?

Anyway, anyone with any experience or advice, I would be very grateful.

Cheers!

[KevinCamaroSS]

Many fleet policies have a minimum age.

Could also be counted as fronting if using the business.

[Chris32345]

There isn't a way to get her insuraned cheeply


She need to get a smaller less powerful car
The fact you think yourand her are too good for one makes no difference to the insurance companies

[Jag_NE]

Robbo1969 said:

Yes, that time that every fathers dreads has come!

The “Datta” is 17 soon and I don’t want any offspring of mine driving around in a 1 litre roller skate.

So, any (sensible’ish!) tips on how I go about insuring her. (As in not £5000 a year!)

I am a business owner, so the business will buy the car and possibly putting her on a fleet policy!?

Anyway, anyone with any experience or advice, I would be very grateful.

Cheers!

A defender isn’t neccasarily safer than a newer and well maintained smaller car.

[Walter Sobchak]

Jag_NE said:

A defender isn’t neccasarily safer than a newer and well maintained smaller car.

Plus it’s likely slower, definitely thirstier and more likely to get nicked, not to mention quite big and intimidating when you’ve just passed your test!.

[Robbo1969]

You’re all quite right. An old series Landy is a lovely idea but newer more modern cars are much safer, crash test crumple zone stuff.
So yes, back to the drawing board!

Thanks to you for taking the time to comment.

Cheers and all the best! 👍🍺

[RicksAlfas]

Have a look at the Fiat Panda 4x4 Twinair. Cheap insurance and an interesting car and engine. Very capable off road too.
Might be a bit more interesting than a 1.0 Corsa or Fiesta.

[Robbo1969]

RicksAlfas said:

Have a look at the Fiat Panda 4x4 Twinair. Cheap insurance and an interesting car and engine. Very capable off road too.
Might be a bit more interesting than a 1.0 Corsa or Fiesta.

Thanks Rick! I’ll have a look

[K50 DEL]

I'm looking through vehicles with the same criteria as you.... a very strange anomaly that I came across last week was the Kia Sportage, approx 5 year old ones were the same cost to insure for a 17yo girl as the usual suspect C1s etc (all unfortunately required a black box)
The premium was just over £1k a year. - that seemed pretty good value to me.

[RicksAlfas]

That's pretty good. First quotes suggest I'm looking at £1700+ for my son as a 17 year old new driver. What is clear is that insurance groups don't mean anything! You need to get a quote for each vehicle. Don't assume a lower group is cheaper than a higher group. Duster 4x4 1.6 petrol are quite reasonable too.

[Robbo1969]

K50 DEL said:

I'm looking through vehicles with the same criteria as you.... a very strange anomaly that I came across last week was the Kia Sportage, approx 5 year old ones were the same cost to insure for a 17yo girl as the usual suspect C1s etc (all unfortunately required a black box)
The premium was just over £1k a year. - that seemed pretty good value to me.

Now that's sounding hopeful! Who quoted you on that one?

[K50 DEL]

Robbo1969 said:

K50 DEL said:

I'm looking through vehicles with the same criteria as you.... a very strange anomaly that I came across last week was the Kia Sportage, approx 5 year old ones were the same cost to insure for a 17yo girl as the usual suspect C1s etc (all unfortunately required a black box)
The premium was just over £1k a year. - that seemed pretty good value to me.

Now that's sounding hopeful! Who quoted you on that one?

It was through confused.com, I'll have to check the site later to see which actual insurance company it was.

[Chainsaw Rebuild]

Just out of interest, why is a small car a bad thing for a learner or new driver?

Cheap to run, tax, buy parts for, easy to park and so on.

[Eyersey1234]

I don't think anyone was saying it's a bad thing, it's just that because a lot of young drivers have Fiestas, Corsas etc a lot get crashed and therefore premiums are higher than for something not many young drivers have.