Motor insurance

[devonwoody]

Anyone know what the insurance premium would be for a 17 year old female driver, hertfordshire. Just passed her test?
Schoolgirl.
(10 year old small car)

 

[marcros]

i would hazard a guess at £3500 based on what colleagues have said about their offspring's quotes.

May be worth looking at a landrover defender- i have heard of pretty reasonable quotes even for new drivers and will be cheaper to repair when she dents it.

 

[devonwoody]

Can they still get it cheaper if they are put on their parents motor insurance these days?

 

[marcros]

yes it is possible, but the insurance companies are very aware of this, and may refuse to pay out if they are aware that the daughter is actually the main driver. 15 years ago, we got away with it. how they would know is a different issue...

 

[MARK.B.]

I believe that some insurance companies will offer quite a substantial discount to younger drivers if they are willing to have a device fitted to the car that records the way they drive and when they drive, even so the premium will still be high enough to bankrupt some smaller countries.

 

[Phil Pascoe]

yes it is possible, but the insurance companies are very aware of this, and may refuse to pay out if they are aware that the daughter is actually the main driver. 15 years ago, we got away with it. how they would know is a different issue...

"Fronting" is illegal, but her premiums will go down if older drivers are put on her policy as named drivers; I know this because I've just done it with my daughter's. A "Pass Plus" or similar can put the price down, as can accepting restrictions on use. Be wary though of black boxes if other people use the car - it's unlikely that an experienced driver will keep to the speed limit all the time, and the box doesn't know who the driver is.

 

[Phil Pascoe]

yes it is possible, but the insurance companies are very aware of this, and may refuse to pay out if they are aware that the daughter is actually the main driver. 15 years ago, we got away with it. how they would know is a different issue...

One of my neighbour's sons is a named driver on his mothers policy, although it's his car. Living near the pointy end of Cornwall, if he has an accident near his college in Suffolk he may have problems.

 

[mind_the_goat]

Thanks to the EU 'anti discrimination rules' your Daughters premiums have just gone up, has anyone noticed a comparable decrease in premiums for Young male drivers ?
The only way to get a realistic idea of premiums is to ask some insurance companies.
The best rate we got 2 years ago for our son was with Admiral multicar insurance. We are about to find out if it's still cheaper for our daughter. Be warned on multicar, once all your cars on the one policy the premiums will all be due at one time.
We found the companies offering tracking devices were not competitive, might be different now.

 

[devonwoody]

OK, its just that my sister in conversation said soand so has gone on the family motor insurance at £700, that sounds a bit cheap to me.

 

[devonwoody]

Rob, perhaps the premium is only for the last 3 months of its policy duration?

 

[monkeybiter]

Quinn were the cheapest we found when my son started approx. three years ago.

 

[Harbo]

My Grandson's cost just over 3k when he passed his test for a 10yr old Corsa.
This was reduced a fair bit when his parents were added as secondary drivers.
After two yrs it has come down to £400.
They did look into the Blackbox policies but too many restrictions/pitfalls/penalties?

Rod