17 year old insurance?

[thebluebell]

Hi,

I'm 16, and looking at insurance for my first car.

Does anyone know any cheap insurance companies for young drivers?

I've had a look on comparison sites and the cheapest quotes i'm getting are around £3500 minimum for stuff like 1.1 puntos worth £200.

Any help would be much appreciated.

Thanks

[Jonboy_t]

Don't know as there is such as cheap insurance for your first car mate!!! All those years ago (1999), I had a 1.1 Fiesta that was older than I am now, it cost £400 to buy and the insurance was near as makes no difference £1500.

Fact of life unfortunately.

[PedantLosesGrip]

Sadly it will cost you a lot and it's more to do with the costs you could incur in a crash rather than the value of the car.

My advice would be to start with Group 1 cars and go from there.

[peeves]

Don't buy a typical first car. Bung loads of women in their thirties on the policy and boost your excess up to £1000.

Jobs a good 'n

[jpa3108]

Try bell car insurance
I have had my last few years with them and I always get a decent price
As mentioned before have a look at cars in group 1 or even 1e (if that's correct)
3p f&t will also reduce the premiums but better off with fully comp if you can afford it.
Also have a look at specialist insurance brokers - some can come back with decent-ish prices
Hope that helps

[Bungleaio]

Have a look at cars that you don't usually associate with young drivers, things like saloon focus'. They might not be cool but that means they won't have been crashed as much by younger drivers so the premiums should be lower.

[sn00per]

I remember thinking £420 was expensive for my first car (Astra 1.3)

Naughty maybe but if it was me, I'd get your mum/dad/auntie/uncle to insure it (preferably someone who doesnt already have their own car) and be put on as a named driver with the relative as the registered keeper on the V5 and get them to pay for the tax/mot etc so you have receipts all in their name, at least until you're 19 with 2yrs NCB. With it being a bit dodgy should encourage you to drive more sensibly as well, jobs a good 'un!

[SlowStig]

sn00per said:

I remember thinking £420 was expensive for my first car (Astra 1.3)

Naughty maybe but if it was me, I'd get your mum/dad/auntie/uncle to insure it (preferably someone who doesn't already have their own car) and be put on as a named driver with the relative as the registered keeper on the V5 and get them to pay for the tax/mot etc so you have receipts all in their name, at least until you're 19 with 2yrs NCB. With it being a bit dodgy should encourage you to drive more sensibly as well, jobs a good 'un!

DO NOT DO THIS, it is referred to as fronting and is a type of fraud within the insurance business. If you can't afford to insure the car get one cheaper.

I know insurance is a complete joke atm, I am paying the same now (23, 2years ncb, 5 points) as I was on my first car nearly 3 years ago. Fact of life sadly and not really much you can do about it. Best advice I can offer is to get something crap, 0.8ltr matiz or maybe a classic mini. If you get something older you can sometimes get classic insurance for the car with limits on the miles you can do per year and so its considerably cheaper. I remember somebody having an MGB or something at 17 and was insuring it for less than 1k.

[sn00per]

OH NO IT'S ILLEGAL!!!! OMG!!!!!

So are many things, tax-dodging, speeding, taking drugs, fiddling a few quid on the expenses - doesn't stop a lot of people, why is fronting deemed such a despicable offence? Serves the greedy insurance companies right.

[PedantLosesGrip]

sn00per said:

I remember thinking £420 was expensive for my first car (Astra 1.3)

Naughty maybe but if it was me, I'd get your mum/dad/auntie/uncle to insure it (preferably someone who doesnt already have their own car) and be put on as a named driver with the relative as the registered keeper on the V5 and get them to pay for the tax/mot etc so you have receipts all in their name, at least until you're 19 with 2yrs NCB. With it being a bit dodgy should encourage you to drive more sensibly as well, jobs a good 'un!

Fronting? Why bother, it won't be insured (other than the stat. risks as provided under the RTA)

Dodgy, and pointless.

[PedantLosesGrip]

sn00per said:

OH NO IT'S ILLEGAL!!!! OMG!!!!!

So are many things, tax-dodging, speeding, taking drugs, fiddling a few quid on the expenses - doesn't stop a lot of people, why is fronting deemed such a despicable offence? Serves the greedy insurance companies right.

Does "serve them right" for anything...

Insurance is black and white.
You are insured for this vehicle at this time, for this use, in this place, or you are not.

[bobr]

All fronting does is drives up prices for new drivers (plus everyone else). Genius

[Paul Drawmer]

sn00per said:

OH NO IT'S ILLEGAL!!!! OMG!!!!!

So are many things, tax-dodging, speeding, taking drugs, fiddling a few quid on the expenses - doesn't stop a lot of people, why is fronting deemed such a despicable offence? Serves the greedy insurance companies right.

The problem is the young person may not be insured (it all depends on what the circumstances are, and what the insurance company attitude is)

The risk to the young driver is considerable in terms of financial loss in the event of a claim (imagine the worse type of 3rd party claim) and probable court proceedings.

In what way does it serve the greedy insurance companies right?

And more to the point, in what way does it serve an injured 3rd party right if the young driver turns out to be uninsured?

[CampDavid]

How far do you need to drive/use a car.

Personally, if I were using it only socially and not for commuting I would buy an MG Miget or similar and insure it as my fathers. Get him to use it a decent amount and then have myself on there as a named driver. This should be fine as long as your Dad is driving as much as you do. It'll only really work with a classic as your Dad probably wouldn't use a 1.1i Saxo for the hell of it but a Midg is an acceptable second car

As long as Dad is using it as much or more than you then it is not fronting and you shouldn't have any issue.

[Rawwr]

sn00per said:

Serves the greedy insurance companies right.

You realise all insurance companies run at a loss for their motor policy books, don't you?

[PedantLosesGrip]

CampDavid said:

How far do you need to drive/use a car.

Personally, if I were using it only socially and not for commuting I would buy an MG Miget or similar and insure it as my fathers. Get him to use it a decent amount and then have myself on there as a named driver. This should be fine as long as your Dad is driving as much as you do. It'll only really work with a classic as your Dad probably wouldn't use a 1.1i Saxo for the hell of it but a Midg is an acceptable second car

As long as Dad is using it as much or more than you then it is not fronting and you shouldn't have any issue.

^^^ this is fair and reasonable, providing you are honest with the insurance company and follow the policy.

It's chavs that buy a saxo, soup it up, insure it under their nan/mum/auntie at same/different address and then bleat when teh insurance company declines to pay out.

To be fair the OP hasn't mentioned doing this, a subsequent poster did.

So back on topic... it isn't easy. How about old school cool and learn to mend as well with an 850cc Mini or a 2CV (with convertible roof)?

Might be cool; any wheels is better than none at 17. And the girls might be more impressed with a guy with a fun car rather than a chav box, those that can tell the difference - they just want a lift....

[CampDavid]

Rawwr said:

sn00per said:

Serves the greedy insurance companies right.

You realise all insurance companies run at a loss for their motor policy books, don't you?

You do realise that they do make a massive profit from there accident claim arms. No one is in it for fun

Fronting is wrong, it will lead to financial pain and the police are getting a wide on about it too. No need for the attitude of some on here though, it's a bit self rightious

[Rawwr]

CampDavid said:

Rawwr said:

sn00per said:

Serves the greedy insurance companies right.

You realise all insurance companies run at a loss for their motor policy books, don't you?

You do realise that they do make a massive profit from there accident claim arms. No one is in it for fun

Absolutely, but the point I was trying to make was that if insurance companies wanted to be greedy or even break even on their motor policies, then you'd see some interesting prices.

[Pcot]

Why is fronting illegal?
The premium for the policy is based on the youngest driver!
How do you define who drives the car if its insured for a family of five?

I've never understood the whole fronting being illegal issue. Would someone be kind enough to explain please?

[CampDavid]

Pcot said:

Why is fronting illegal?
The premium for the policy is based on the youngest driver!
How do you define who drives the car if its insured for a family of five?

I've never understood the whole fronting being illegal issue. Would someone be kind enough to explain please?

It's illegal because you are lying about the use.

If Dad insures a car as the main driver then junior is on it then the main driver of the car has to be dad. Junior will only use it occasionally. This is why it's a lot cheaper than the other way round as when Junior is the main driver he'll most likely use it the most.