Insurance For 17 Year Olds

[Haybails1980]

Does anyone know of any companies that specialise in insuring 17 year olds who have just passed their driving test? My g/f's brother is trying to get his first insurance policy and the best quote TPFT is just over £1900 which was found through Confused.com.

Any help appreciated.....

 

[AhmedRSi]

What car is it?

Has he tried the following:

eindsleigh
direct line
post office
quinn direct

 

[Haybails1980]

W plate Clio 1.4 S

Endsleigh, Direct Line and Quinn were over £2k! Will try Post Office for him.

 

[AhmedRSi]

My advise is just try as many companys as he can. My 1.2 2001 clio was 1600 3rd party.. and that was after about 2 weeks of searching hundreds of companies!

Bieng a male and 17 puts your insurance up soo much its ridiculous. But after the first year he'll notice a huge drop.

 

[Brian]

Sadly I think you/he will struggle, My brother is in the same boat - he's paying 1800 tpft, 17 yr old with Direct line

 

[cat171]

Deffo try as many insurance companies as possible, forget confused.com as it's a rip off (well it is for me & a lot of others)

My bro tried a speacialist one for young drivers years ago, £5500 on a 1.25 zetec fiesta ! Lol !

 

[Redler]

im with adrian flux,
17year old
1.2 51plate clio
TPFT £1700

deffonatly stay clear of the online search engines, best thin i found was just ringing and ringing ......

 

[Redler]

http://www.cliosport.net/forum/showthread.php?t=87920

towards the bottom is a list of loads of numbers and websites of insurance companies

 

[tom_dot_COM]

Get him to try elephant and then add either his mum or dad on the policy as 2nd driver.

 

[clvs2222]

try bell, they do a bonus excelerator, which you pay for 10 months ans get a year NCB

 

[will.clio!]

im 17 and paying 1700 with quinn, its a joke. 360quid first payment and 148 per month, takes the pi55 paying it with only a part time job.

 

[Turkish]

You're paying just shy of 2k you mean! They've quoted 1700 as a one off payment then done the usual and hit you with big fat interest on it. Something people should always check but never do is what the interest rate is if you are paying monthly. Some of the dearer "one off" quotes may actually work out cheaper due to variations in interest charges. Personally if you cant afford the lump sum you're better off getting a credit card with a years 0% interest and putting it on that. Pay for the insurance, set up a direct debit to pay it off each month and cut up the card.

 

[Brett]

I went on my dads insurance for a year at 17, now i'm 18 i'm on my own for £1450 FC with direct line.

Its illigal but loads of people do it, i know of two lads who have done it and crashed within the last month and both where payed out.

 

[will.clio!]

You're paying just shy of 2k you mean! They've quoted 1700 as a one off payment then done the usual and hit you with big fat interest on it. Something people should always check but never do is what the interest rate is if you are paying monthly. Some of the dearer "one off" quotes may actually work out cheaper due to variations in interest charges. Personally if you cant afford the lump sum you're better off getting a credit card with a years 0% interest and putting it on that. Pay for the insurance, set up a direct debit to pay it off each month and cut up the card.

i know theres huge interest on my insurance something like 20% but i cant just fork out 1700 quid at the beginning of the yeah, well cos i don't have that much lying around. and im 17 how am i gonna get a credit car?

 

[Turkish]

I went on my dads insurance for a year at 17, now i'm 18 i'm on my own for £1450 FC with direct line.

Its illigal but loads of people do it, i know of two lads who have done it and crashed within the last month and both where payed out.

Don't encourage insurance fronting you moron. It's fraud and illegal, too many people do it as it is.

 

[Turkish]

i know theres huge interest on my insurance something like 20% but i cant just fork out 1700 quid at the beginning of the yeah, well cos i don't have that much lying around. and im 17 how am i gonna get a credit car?

Could see if your bank will do a loan for the sum over a year term, the interest rate will be lower. Or ask if one of your parents will take out a card with a 0% for the first year and you pay them back each month. There are ways round it.

 

[Rob.]

I went on my dads insurance for a year at 17, now i'm 18 i'm on my own for £1450 FC with direct line.

Its illigal but loads of people do it, i know of two lads who have done it and crashed within the last month and both where payed out.

Don't encourage insurance fronting you moron. It's fraud and illegal, too many people do it as it is.

What about with the mum/dad on his policy as a named driver? and say let them drive the car once a month ? I'm taking it this is not illegal ?

 

[Turkish]

As long as he is the policy holder that is fine, adding parents as named drivers can sometimes bring the policy down and is perfectly legal. The problem arises when people "front" to get lower insurance. Having their mum or dad as the policy holder suggests they are the main driver and he would be occasional user hence why the cost is lower. You're obtaining cover by deception hence why it's illegal. It's higher when you are young and a named driver for good reason, because the risk that policy has is far greater than a policy for an experience driver.

 

[domjolly]

tesco were good for me when i first passed they were like 900quid

 

[yougotmurked]

Im currently looking for insurance aswell, using elephant.com on my own insurance was just over £2.3k so i added my dad, then it went down to £2099 then i added my mum and it went down to £2039, took off my dad went down to £1892 (obviously females are "safer" -.-) so i added my auntie aswell and it went down to £1832 so basicly add two family members who are female and have 15+ years driving experience and ull knock almost £500 off ur insurance,

Oh yeh will.clio! ur best bet would have been to get ur parents to use a credit card m8 and use it solely for insurance, i did it with my moped cost £1600 for the bike and insurance, and over 6 months the bank changred me £36 which is s**t all, but then its always tough not to buy other stuff with it haha

 

[cat171]

im 17 and paying 1700 with quinn, its a joke. 360quid first payment and 148 per month, takes the pi55 paying it with only a part time job.

Yours is very modified though yeah ?? How much was it if the car was un-touched ?

 

[coatesy]

W plate Clio 1.4 S

Endsleigh, Direct Line and Quinn were over £2k! Will try Post Office for him.

u must live in a s**t postcode to get 2k from quinn direct

 

[Turkish]

Oh yeh will.clio! ur best bet would have been to get ur parents to use a credit card m8 and use it solely for insurance, i did it with my moped cost £1600 for the bike and insurance, and over 6 months the bank changred me £36 which is s**t all, but then its always tough not to buy other stuff with it haha

Thats why I said to cut the f**king thing up once he's paid the insurance. Young lad with a credit card is a fair bit of temptation.

 

[Brett]

I went on my dads insurance for a year at 17, now i'm 18 i'm on my own for £1450 FC with direct line.

Its illigal but loads of people do it, i know of two lads who have done it and crashed within the last month and both where payed out.

Don't encourage insurance fronting you moron. It's fraud and illegal, too many people do it as it is.

At what point did i encourage fronting? I mearly stated that I did it and i know other people who have done it and got away with it.

 

[Haybails1980]

Well I've managed to get my g/f's brother a quote of £1907 Fully Comp from Liverpool Victoria with legal cover and gauranteed courtesy car included.

Not much cheaper than the previous quotes of £1950ish but the original quotes were for TPFT.

 

[domjolly]

tesco is usually v.cheap

 

[tim124]

until you are 21+ you should just get cheap crappy 1 litre cars or expect to pay £2k. simple as that

 

[blondie.x]

i got a quote of £1300 fully comp from adrian flux for a mk1 1.4 with mods, but i put that i passed in may and got pass plus in july. and i'm a girl. if he has time he should probably do pass plus, you get about 25% taken off cost.

 

[DeeKay86]

stop using confused.com for starters! I find that the quotes they give you are almost ALWAYS higher!!

 

[iain187]

Check Tesco and Swift

ASDA were good too but I think they changed to be only 21+

 

[Inactive]

bell or admiril..im 18

 

[joshread]

bell or admiral like milwall said..im paying £900 on a modified 2003 1.2 with bell

 

[joshread]

forgot to say im 18 with 0 ncb and thats fully comp

 

[Lewis_S]

my first policy at 17 on my 1.2 16v was £960

got my renewal through with a years NCB £700

got a quote on a 1.6 16v and that come back at £989

Im with directline and get 10% off because my mums car is insured with them and also another 10% because its all done online and 15% because my dads propertys are insured under them so 35% off..

Sticking to the same companys as your family can get you discount

 

[will.clio!]

im 17 and paying 1700 with quinn, its a joke. 360quid first payment and 148 per month, takes the pi55 paying it with only a part time job.

Yours is very modified though yeah ?? How much was it if the car was un-touched ?

late reply i know, but i was paying 1200 with directline, but i had to change as they wouldn't insure any of my mods.

 

[cat171]

^ so £1200 with directline, but they don't touch mods. Now it's £1700 with the other company & you have a load of mods.

Like I said it's expensive because it's heavily modified.

bell or admiril..im 18

... and a named driver on your sisters policy. You don't really qualify to give advice tbh.

 

[mickaldinho]

I'm insured with quinn's on the same car as him martinhay182clio and i pay 1700 FC and im 18 lol

 

[Martin_172]

deffo try admiral ive always stuck with them, only company that would insure me on my 172 at 18 with 0ncb

 

[Mr Hurst]

Cheapest insurance company for me was kwik-fit! Give them a go mate