Insurance for young drivers

[coccinelle]

Anybody, know of any insurance company who isn't asking over the top to insure young drivers? This is for under 21s and both have passed their driving tests and on parents' car insurance.

[mccfluff]

have they done pass plus? this can help with bring costs down if they are new drivers

[boxtops]

Unfortunately, under-21s are a very poor risk for most insurance companies - there are ways of including them on your insurance if you are the main driver of the car, but otherwise, it is expensive.

[coccinelle]

Not sure mccfluff will have to ask.
The parents are the main drivers boxtops but when this year's bill's arrived it's whopped up in price; maybe due to second young driver having now passed his test. £2000+ seems way over the top.

[bednobs]

blimey, if they got their own policies, it would be over that much each probably!

[woozer]

Assuming that you are looking to iinsure them in t heir own cars - just bear in mind that the cost reflects the risk - if they have an accident on your insurance it will affect your insurance and your driving records for at least 3 to 5 years. It may be better to bite the bullet and get them insured own their own policies.
Obviously, if this is just about the cost of insuring them to drive your car on your insurance the only solution is to ring around for the best deal

[giveup22]

try tesco value

[arwyn]

If they are Boys it costs much more to insure than Girls. My son passed at the age of 17 1/2 years, The quote was 2k so we put the car in my name and put him on as a named driver and it was 1k. When he sold the car we were told off another mother and son who had done the same thing that when the son had wrote their car off their insurance company twigged on to what they had done and said it was illegal and so would not pay up.

[Andyvon]

The premiums are not 'over the top' Coccinelle. Unfortunately, the premium is based on your sons being considered a particularly high risk. They have no experience (it takes about 15 years to be regarded as an experienced driver) and their are many other factors to consider such as their age, occupation, address etc.

You have to remember that it is the insurance company who are the ones who will have to spend time and pay out money if your sons have an accident. The premium therefore reflects the risk to the company.

[Andyvon]

* not 'their' but 'there' - sorry!