Film, Media & TV0 min ago
young drivers insurance
13 Answers
hello there
can anybody help me, i have a 20 yr old son who has only recently passed his driving test, but i have a problem, he has got 9 penalty points on his licence and i was wondering if anybody can advise me as to which car carries the lowest possible insurance premium so that i can start looking around to buy him his first car, i am not looking for a new or modern car, just to start him off and try and get his driving experience, i.e. an old corsa or a fiesta. Any ideas
thanks
can anybody help me, i have a 20 yr old son who has only recently passed his driving test, but i have a problem, he has got 9 penalty points on his licence and i was wondering if anybody can advise me as to which car carries the lowest possible insurance premium so that i can start looking around to buy him his first car, i am not looking for a new or modern car, just to start him off and try and get his driving experience, i.e. an old corsa or a fiesta. Any ideas
thanks
Answers
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If you can find anyone to insure him it will cost thousands, literally.
Just because his car is only worth a few quid, it doesn't mean the potential third party claims won't be in the hundreds of thousands.
He will be viewed as a very high risk.
Accumulating 6 points in the first two years of passing a test revokes the licence and puts the driver back to learner status.
I would leave it a couple of years at least, until he is older and his points have dropped off.
Just because his car is only worth a few quid, it doesn't mean the potential third party claims won't be in the hundreds of thousands.
He will be viewed as a very high risk.
Accumulating 6 points in the first two years of passing a test revokes the licence and puts the driver back to learner status.
I would leave it a couple of years at least, until he is older and his points have dropped off.
You can check the insurance group of any car you might be interested in by starting from this page:
http://www.gocompare....ce/manufacturers.aspx
Take care to check the EXACT model. For example, a 957cc 3 door Fiesta is only in Group 2 but a 1596cc 3 door RS Turbo Fiesta is in Group 15.
It has also been repeatedly mentioned, here on AB, that many young drivers find that they can get a significant discount on their premium by adding an older, more experienced driver (e.g. a parent) onto their policy as a 'named driver'. (Unlike 'fronting', where the older driver is the policy holder with the younger driver as a named driver, doing it the other way round - as I've suggested - is perfectly legal but can sometimes see as much as one third cut from a premium).
Chris
http://www.gocompare....ce/manufacturers.aspx
Take care to check the EXACT model. For example, a 957cc 3 door Fiesta is only in Group 2 but a 1596cc 3 door RS Turbo Fiesta is in Group 15.
It has also been repeatedly mentioned, here on AB, that many young drivers find that they can get a significant discount on their premium by adding an older, more experienced driver (e.g. a parent) onto their policy as a 'named driver'. (Unlike 'fronting', where the older driver is the policy holder with the younger driver as a named driver, doing it the other way round - as I've suggested - is perfectly legal but can sometimes see as much as one third cut from a premium).
Chris
group 1 will be the cheapest, here's a list:
:http://www.carpages.co.uk/car-insurance/car-
insurance-group-1-1.asp
however with 9 points I'd be surprised if any insurer will touch him with a bargepole. Presumably he got the points before he passed the test or he would now be banned anyway. Sounds to me like he really needs a lot more training before being let loose on the road
:http://www.carpages.co.uk/car-insurance/car-
insurance-group-1-1.asp
however with 9 points I'd be surprised if any insurer will touch him with a bargepole. Presumably he got the points before he passed the test or he would now be banned anyway. Sounds to me like he really needs a lot more training before being let loose on the road
As others have said it will cost at least £2000 for any vehicle, even for just Third Party cover. Going for a vehicle with a low insurance group won't make much difference. The main risk being covered is the risk of causing damage/injury to third parties rather than the cost of damage to his own car.
Not meaning to slate you personally or anything as it's not your fault your son is such a clearly bad driver but I personally do not think you should be helping him to get on the road at all until he grows up and proves he can drive safely. 9 points on a license at his age and in such a short time after passing his test makes him quite frankly a danger to himself and more importantly other innocent people. I would suggest you pay for him to get some advanced driving lessons and tell him he cannot drive until he has proved he can drive sensibly.
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