Car insurance for 18 year old

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RidleyDeckard

Well-known Member
I wonder if any of you had some advice about where to get cheap car insurance for an 18 year old. We were looking at getting him an old Fiesta for around £500, but I've just been to Go Compare and the insurance is coming in at over £1500 for just third party fire and theft, that's over three times the value of the car.
It's no wonder more and more people are driving without insurance.
Does anyone know of any insurance companies than specialise in 18 year old driving insurance?
 

mushk1n

Well-known Member
I was insured with direct line from 17-22 but since the 45% price hike (about 2mnths ago) for under 25s I've found admiral to be the cheapest. I pay £400 for a new fiesta.

Best way to deal with admiral is call them, I got a much better price on the phone.

Josh
 

lovegroova

Well-known Member
It's not just the value of the car, it's the value of other people and other people's cars that needs to be taken into account.

Try here for a good list young driver insurance - Google Search

It's certainly worth him taking the "Pass Plus" scheme for a lower premium.
 

un1eash

Distinguished Member
£1500 sounds about right, when i was 18 my £450 1.3 Nova would of cost me £1300 and that was nearly 9 years ago, ended up on my dads policy but would not recommend this now.
 

RidleyDeckard

Well-known Member
Turns out I made a mistake in getting the quote, I put in provisional license held for six months, as soon as I changed it to brand new full license it shot up to £2800!. Lovegroova, I think you might be right and a Pass Plus might be in order.
 

wormvortex

Member
pass+ isn't even taken into account by some isurers. When I played around with it the difference was <£100.

Putting parents as named drivers however lowered the cost by hundreds
 

qwerty321

Member
You could try Admiral but unfortunately the prices are what young drivers have to pay. Find out from insurers before doing Pass Plus. I did it and there were only 1 or 2 reputable companies offering a discount but of course their prices were too high even wtih discount.

You could try adding a parent or two to the policy as named drivers. Im over 18 but adding my Dad took £150 off my policy. Also, if you can, wait till his next birthday. Going up a year in age can make a difference.
 

guest5234

Novice Member
High insurance for young drivers is fair as they as a percentage of drivers cause most accidents through bad driving, why should drivers who stick the th rules pay for crap drivers.
 

car-man

Well-known Member
Turns out I made a mistake in getting the quote, I put in provisional license held for six months, as soon as I changed it to brand new full license it shot up to £2800!. Lovegroova, I think you might be right and a Pass Plus might be in order.

I have just gone through this with my son, the lowest Quote so far has been £4,600 with LV.
Pass Plus will not make any difference and adding another driver (parent) actually increased the quote.
Admiral would not quote for a young driver, neither would Direct Line or any major company.
Adrian Flux who are supposed to be cheaper for young drivers quoted £20,000 :eek:
The average has been around £8,000.

I wish I could get a quote for £2,800.
We, unfortunately, live in a post code district that is regarded as high risk because of serial "cash for crash" fraudsters.
Most insurers I spoke to did not want to insure a young male driver.
Swinton will only pass you to Adrian Flux, via someone else.
 

lovegroova

Well-known Member
I have just gone through this with my son, the lowest Quote so far has been £4,600 with LV.
Pass Plus will not make any difference and adding another driver (parent) actually increased the quote.
Admiral would not quote for a young driver, neither would Direct Line or any major company.
Adrian Flux who are supposed to be cheaper for young drivers quoted £20,000 :eek:
The average has been around £8,000.

I wish I could get a quote for £2,800.
We, unfortunately, live in a post code district that is regarded as high risk because of serial "cash for crash" fraudsters.
Most insurers I spoke to did not want to insure a young male driver.
Swinton will only pass you to Adrian Flux, via someone else.
What type of car was that for? :eek:


Try here: http://www.coverbox.co.uk/young_drivers.php
 

qwerty321

Member
High insurance for young drivers is fair as they as a percentage of drivers cause most accidents through bad driving, why should drivers who stick the th rules pay for crap drivers.
You really don't like young drivers do you? ;)

Unfortunately it is the case that most young drivers cause accidents. Although the lady that hit my uncle, who ended up having to have a leg amputation, was over 60!

Nissan Micra 1litre 2001.
They won't quote either, but thank you anyway.
:eek::eek::eek::eek::eek::eek::eek::eek:

and just for emphasis

:eek:
 

Hitby

Well-known Member
Have you tried to get quotes on a more expensive car? Just wondering if perhaps they would be lower (as you're more likely to take care of a better car).

I didn't start driving until I was 23 because of the cost of insurance, even then I had to pay 850 for a three year old VW Polo 1.4. I still pay about 400 now and I'm 30.
 

ParaNoiA

Active Member
try insurethebox, they put a tracker in your car that tracks drivers movements, its like pay per mile, I got my saxo fully comp for a few quid over a £1000 with 6000 miles, but you can get it less by playing with there options, you can put a curfew on the car which lowers it, just read the terms and see if its for you before committing,
 

un1eash

Distinguished Member
Newer safer cars tend to be cheaper to insure then old Corsa/Fiesta/Clios etc..

I always found Citroen/Peugeot to be cheaper to insure or try a car not normally used by the young drivers.
 

alexs2

Well-known Member
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