Car Insurance for our 17 yr old son.

[footymum]

Can anyone come up with some insurance companies that we can go to for an insurance quote for our 17 yr old learner driver son please?
We've recently bought our 17 yr old son a Renault Clio and want to get insurance for him-fully comp or 3rd party cover depending on quotes.
The car is being driven daily by my husband (who is the named owner) but we'd like our son to get some practice in it and then when he passes his test the car will be signed over to him.
We've had quotes ranging from £3500 with Admiral to over £10,000 with Direct Line!
Thanks in advance...footymum

[Kos]

Welcome to the world of teenage car insurance!!
I'm afraid the prices you are being quoted are the norm now and you will not get anything for less than £2000, however hard you look.

[arwyn]

It's always more for boy's than it is for girl's. It maybe cheaper to pay for lessons than to teach him yourself, that way you dont insure him untill he has passed his test. My Son passed his test at 17years and 5months old so I know the quotes you'r getting are correct.
My Sister was going through it at the same time with her daughter and there was a big difference. She found a quote that was loads cheaper and took it to later notice they had the D.O.B 10years earlier than it should have been so 17year old became a 27year old.
When my Son passed we put his car in my name, I put my no claims bonus on, and put him as a named driver and got it for 1k.
It made him drive safer as it was me who whould have lost my n/c/b.

[benny3008]

I am 17 and currently in the same situation looking for cheaper car insurance, a few tips: add experienced drivers to the policy, it shows that the use of the car will be shared reducing chances of an accident (even if the added driers will never drive it) fully comp is often cheaper than third party as it shows that you care more about the car again reducing the chance of accidents. finally, bump up the voluntary excess to max, this should bring the cost down slightly. Good luck, I know the feeling of getting nowhere but have faith, it will go down, just keep trying different things on quotes.
Benny

[crisper]

Wow.. Footymum.. thats terrible!! I have known a few 17yr olds....etc that are perfectly sensible drivers... I think the insurance companies should give each individual a chance.. if they mess up..then charge the HUGE prices! WHY TAR ALL OF THEM WITH THE SAME BRUSH!..opps sorry caps! lol...good luck anyway hope you find an insurance company!! Crispers other half! x

[footymum]

Thanks everyone x still hoping to get closer to the £2500 mark...just don't know where else to try! footymum x

[flip_flop]

It would be an absolute impossibility to treat each driver as individual and give them a chance.

The statistics prove that young people, especially young men, are significantly more likely to be involved in accidents. These figures aren't made up - they are fact.

Of course there are many very good young drivers - but there are also many who are bad, and they are spoiling it for the rest and therefore young drivers must all be tarred with the same brush.

17 years olds are still children - personally I'd raise the driving age for young men to 21.

Insurance companies aren't profiteering: the motor insurance industry as a whole has not been profitable for 10 years and the last actuarial report I read suggested that motor insurance premiums are underfunded by 30% - so expect prices to go up.

[footymum]

thanks again everyone x
mdoo98 which company did your son get that quote from please?

[crisper]

Do you own an Insurance company Flip_Flop?? lol x ;)

[bpoolmecca]

our 17 year old daughter is learning via marmalade we just pay month by month approx £80 she is driving our convertable.However they do deals on brand new cars plus insurance for about 260 per month still a hell of a lot,and thats without filling it up with petrol!!!!

[footymum]

Haha...just had a quote from Aviva..£18,000 don't think we'll go with them!!

[mollykins]

Insurance is less for a learner driver than newly qualified one, so that won't be the most you have to pay for his insurance!

[footymum]

Yeah we know- will need a mortgage when he passes! was just hoping to get a lower premium than £3500.
we not the type of people to try and pull a fast one by adding him onto grandparents insurance,etc, which we know a lot of people do...just a shame that genuine honest people get stung like this...thanks everyone for the replies so far...footymum

[footymum]

Thanks Eddie51...we have been told that this would possibly be the best option and son's driving instructor has told son about pass plus and he's going to do it...anything to get that premium down!! thanks again everyone...footymum

[TonyV]

Your postcode can change policy prices too

[footymum]

thanks mdoo98 and Eddie51....we've got the best quote up to now from Admiral so good to know we're going in the right direction....and he's a 6th form student and a few years away from full time work....things may change when the courts rule on the male/female difference in premium quotes...hope so as not every young male is a boy racer!! footymum x

[thekerrs]

If he is still a learner, Halford's offer a policy for learners drivers, its about £100 per month but you can take it out in blocks and you get a refund of what's left after he passes.

The Halford's learner policy runs alongside your own policy and is puely for him.