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Insurance for 17 learner driver, any recommendations?



  Abarth 124 Spider
Picking up daughters first car tomorrow & looking for recommendations for insurance from anyone who has recently been through this episode?

Some of the comparison sites will not work as they ask for ‘date test passed’ not took test yet!!

Who did you choose & any tips?
 

Cookie

ClioSport Club Member
Just pick tomorrows date, its only to check so it doesn't matter.. just change the date if you do decide to get a quote

The cheapest ones are probably going to be those that require a black box in the car
 

0ss

ClioSport Club Member
I found it cheaper to insure the car myself as insuring it with a provisional licence was a lot more. My daughter passed last week and now the insurance want an extra £1300 so I'm cancelling it and taking a policy out in her name that's been quoted at £1500. That way she'll earn ncd. Whichever way you do it, make sure you're lubed up well because insurers will shaft you hard.
 

TheEvilGiraffe

South East - Essex
ClioSport Area Rep
I found it cheaper to insure the car myself as insuring it with a provisional licence was a lot more. My daughter passed last week and now the insurance want an extra £1300 so I'm cancelling it and taking a policy out in her name that's been quoted at £1500. That way she'll earn ncd. Whichever way you do it, make sure you're lubed up well because insurers will shaft you hard.
Serious question, but what did you think it would be for her by herself ?

Insurance is daft for yoofs and has been for ever.

My first year was £1400 for a £100 Micra and that was in 2001...

Building their own NCD is the right answer though.
 
  Abarth 124 Spider
Cheers for info.
Been told to insure the car in her name & ownership will be her name also.
Me & wife as named drivers, been seeing quotes of £1250 so not far off yours?
Once she passes the price will go up as she will no longer need to be supervised, some are showing huge variations in this figure, some are slight as long as she has a black box fitted?
 
  Abarth 124 Spider
Has anyone tried one of the curfew insurance companies?
Any benefit seen, may not work for us as daughter has weekend job & finishes late sometimes.
Only benefit now we can use her car not ours ;)
 

0ss

ClioSport Club Member
Serious question, but what did you think it would be for her by herself ?

Insurance is daft for yoofs and has been for ever.

My first year was £1400 for a £100 Micra and that was in 2001...

Building their own NCD is the right answer though.
I expected her own policy to be more tbh. The plan was to have her on my insurance for a year so she can save up. She's heading to university next year so won't need the car much. The increase on passing was much more than expected so we've changed the plan!
Cheers for info.
Been told to insure the car in her name & ownership will be her name also.
Me & wife as named drivers, been seeing quotes of £1250 so not far off yours?
Once she passes the price will go up as she will no longer need to be supervised, some are showing huge variations in this figure, some are slight as long as she has a black box fitted?
Try ringing up and asking if they can give you a price for when she's passed. It would seem there's as much variation there as there is in initial policy quotes.
 
  Abarth 124 Spider
Mark, good luck!
Daughter has had 15 lessons & today I went out with her.
Let’s just say he wants the sack as I thought she would be way more advanced!
 
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0ss

ClioSport Club Member
Mark, good luck!
Daughter has had 15 lessons & today I went out with her.
Let’s just say he wants the sack as I thought she would be way more advanced!
I went out the Saturday before my daughter had her test and my god she was rubbish?. I think they drive better with an instructor as they feel safer with the dual controls and not being sat next to their dad!
 

DAN@ADRIAN FLUX

ClioSport Trader
  Renault 5
Hi.
Please feel free to give us a try for insurance if you haven't done so already. We have a number of specialist learner driver schemes.
Regards,
Dan.
 

Sash

ClioSport Club Member
  Citroën DS3
Mark, good luck!
Daughter has had 15 lessons & today I went out with her.
Let’s just say he wants the sack as I thought she would be way more advanced!
??? unless she’s doing really dumb stuff, don’t try and teach her anything as such, let her do what her instructor has taught her. It’s a total pain in the ass when parents start contradicting us!
 
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  Abarth 124 Spider
??? unless she’s doing really dumb stuff, don’t try and teach her anything as such, let her do what her instructor has taught her. It’s a total pain in the ass when parents start contradicting us!
Arriving at a junction in a high gear using brakes to stop?
Instructor has diesel, so will pull off with no revs in first, petrol car will not?
Lots of little niggles.
Needs to own the car & daily driving should improve this aspect.
 

JamesBryan

ClioSport Club Member
  Titanium 182
Arriving at a junction in a high gear using brakes to stop?
Instructor has diesel, so will pull off with no revs in first, petrol car will not?
Lots of little niggles.
Needs to own the car & daily driving should improve this aspect.
Pretty sure i was taught like that 12 years ago.

However i've always gone down the gears.
 

Sash

ClioSport Club Member
  Citroën DS3
Arriving at a junction in a high gear using brakes to stop?
Instructor has diesel, so will pull off with no revs in first, petrol car will not?
Lots of little niggles.
Needs to own the car & daily driving should improve this aspect.
I’ve never been an advocate of that approach personally. There is no right nor wrong method as long as full control is maintained. ?
 

MarkCup

ClioSport Club Member
Gears to go, brakes to slow...the more you do, like with unnecessary downshifts when approaching any kind of hazard, the more chance you have of making a mistake, it increases wear on the drivetrain and your progress will likely be less smooth too.

That's the advanced driving way though, I appreciate most learners are simply learning how to pass a driving test.
 

Sash

ClioSport Club Member
  Citroën DS3
Gears to go, brakes to slow...the more you do, like with unnecessary downshifts when approaching any kind of hazard, the more chance you have of making a mistake, it increases wear on the drivetrain and your progress will likely be less smooth too.

That's the advanced driving way though, I appreciate most learners are simply learning how to pass a driving test.
Try rocking up to a roundabout from a NSL Dual carriageway in 6th gear and (without coasting) approach said RAB with full control slowing to 5-10mph and then need to stop? In my old DS3 this was nigh on impossible, you needed an intermediate gear change.

I wouldn’t be using your gears to go brakes to slow in snowy conditions though.
 
  Clio MK2 1.2 16v
In relation to the OP's question regarding insurance, I recently passed my test and went through all of this.
I ended up buying my car around a month before my test (1.2 mk2 Clio) so decided to get provisional insurance that I could upgrade once I passed. I got a few quotes with Tesco Box through their site where I found you can get a pretty decent discount if you enter your clubcard number.
I ended up getting a quote of £750 for 6000 miles a year on a fully comp black box policy with my mum and grandfather as named drivers.
When I took out the policy I had asked them what kind of charge I should expect when I pass my test and inform them and the guy on the phone said that he wasn't really meant to say but most of the ones he's done have been around £100ish.
I phoned up over the moon after passing my test with 0 minors to find that they didn't want any extra charge and would make the change from provisional to full license for free.
So in the end I ended up paying £750 for my first year of insurance as a 17 year old living in a pretty average area. Not too bad I'd say.
 
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  Abarth 124 Spider
In relation to the OP's question regarding insurance, I recently passed my test and went through all of this.
I ended up buying my car around a month before my test (1.2 mk2 Clio) so decided to get provisional insurance that I could upgrade once I passed. I got a few quotes with Tesco Box through their site where I found you can get a pretty decent discount if you enter your clubcard number.
I ended up getting a quote of £750 for 6000 miles a year on a fully comp black box policy with my mum and grandfather as named drivers.
When I took out the policy I had asked them what kind of charge I should expect when I pass my test and inform them and the guy on the phone said that he wasn't really meant to say but most of the ones he's done have been around £100ish.
I phoned up over the moon after passing my test with 0 minors to find that they didn't want any extra charge and would make the change from provisional to full license for free.
So in the end I ended up paying £750 for my first year of insurance as a 17 year old living in a pretty average area. Not too bad I'd say.

Cheers, thanks for the info :)
 

Wellbs

ClioSport Club Member
  Clio 182
Sabre or ageas on a young drivers scheme. Sit down with a broker and let them walk you through it you’ll find most will allow for provisional cover and a small increase once she has passed her test.
 
  Abarth 124 Spider
Mark, good luck!
Daughter has had 15 lessons & today I went out with her.
Let’s just say he wants the sack as I thought she would be way more advanced!
Well after driving every evening, today she passed her test first time!! :)

Insurance stays the same we just need to fit the telemetrics box once it arrives.
 


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