Register Login
The UK's No.1 Chrysler Owners Forum
Reply
 
Thread Tools
Old 06-07-2010   #1
Join Date: Nov 2009
Posts: 195
Thanks: 8
Trader Rating: 0
United Kingdom 
How to insure for a 17 year old?

My son, aged 17, will hopefully pass his driving test in the not too distant future. I intend to give him our Focus 1.6 Zetec. He intends to take Pass Plus programme of lessons straight away. He has been looking online for Third Party Fire and Theft insurance as the owner of the vehicle and main named driver. We're not going down the route of his mother keeping the ownership of the vehicle and having him as a named driver, I believe that's a pretty risky way round things, though lots of people do it. He has got on-line quotes of around 2,700 for the insurance. Can anyone here suggest a company which has the best insurance deals for 17 year old males? Any other advice will be appreciated.

Thanks in advance.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

FireballXL5man is offline Reply With Quote Quote 
Old 06-07-2010   #2
Join Date: Jun 2006
Posts: 1,349
Thanks: 27
Trader Rating: 0
fenton_jd has donated!
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by FireballXL5man View Post
My son, aged 17, will hopefully pass his driving test in the not too distant future. I intend to give him our Focus 1.6 Zetec. He intends to take Pass Plus programme of lessons straight away. He has been looking online for Third Party Fire and Theft insurance as the owner of the vehicle and main named driver. We're not going down the route of his mother keeping the ownership of the vehicle and having him as a named driver, I believe that's a pretty risky way round things, though lots of people do it. He has got on-line quotes of around 2,700 for the insurance. Can anyone here suggest a company which has the best insurance deals for 17 year old males? Any other advice will be appreciated.

Thanks in advance.
Focus 1.6 is a very good starting point....it's always been a cheap car to insure for young drivers. I'd make sure you go for fully comp as today, third party fire and theft cover returns higher premiums for young drivers.

Direct line was always the cheapest I could find during that initial 1st year with 0 no-claims....ditch them once no claims is attained as they dont tend to drop their prices much as time goes by.

And RAM HOME to your son that if he crashes its going to cost him BIG TIME when it comes to renewal.... Make sure he knows the limits of the car, get him to do an ABS test on a quiet road etc, because teenage lads are going to drive "quickly".... I'd rather my kid knew how the car was going to behave, than NOT know etc.

Just my 2 cents.
__________________
"Spirito di Punto"
2005 Volvo S40 2.5 T5 SE - Current
2005 Volvo S40 2.0D - Sold
2006 Fiat Grande Punto 1.2 - Sold
1996 Renault Laguna 1.8 - Sold
fenton_jd is offline Reply With Quote Quote 
Old 06-07-2010   #3
arc
this is where i stand
Join Date: Oct 2003
Location: Manchester
Posts: 13,581
Thanks: 289
Trader Rating: 0
arc has donated!
United Kingdom 
Re: How to insure for a 17 year old?

Having the insurance in his name, but adding yourself and the missus as named drivers will also reduce it slightly (assuming you all live in the same house, and will have access to the car)
__________________
.:: 1368cc 16v Cinquecento ::.
arc is offline Reply With Quote Quote 
Old 06-07-2010   #4
thats Jip Zero
 
jip0's Avatar
Join Date: Nov 2009
Location: Harwich
Posts: 5,419
Thanks: 136
Trader Rating: 0
jip0 has donated!
Shape Shooter Champion
United Kingdom 
Re: How to insure for a 17 year old?

eek 1.6

there is no best company and there's not really a trend unfortunatley

best you can do is hit ALL of the comparison websites, go directto insurers and play them off each other

your son is classed high risk but there's big , big business in young drivers so there gonna want your custom

good luck
__________________
Looking for Mk2 601 nero black front bumper PM me
The Car

Quote Originally Posted by custard View Post
get a pic up,I'll tell if its big
Quote Originally Posted by Kier View Post
I rather like the look of the wood :
jip0 is offline Reply With Quote Quote 
Old 06-07-2010   #5
- Amateur Detailer -
 
Rawb's Avatar
Join Date: Apr 2010
Location: March, Cambridgeshire.
Posts: 1,558
Thanks: 52
Trader Rating: 0
Rawb has donated!
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by FireballXL5man View Post
My son, aged 17, will hopefully pass his driving test in the not too distant future. I intend to give him our Focus 1.6 Zetec. He intends to take Pass Plus programme of lessons straight away. He has been looking online for Third Party Fire and Theft insurance as the owner of the vehicle and main named driver. We're not going down the route of his mother keeping the ownership of the vehicle and having him as a named driver, I believe that's a pretty risky way round things, though lots of people do it. He has got on-line quotes of around 2,700 for the insurance. Can anyone here suggest a company which has the best insurance deals for 17 year old males? Any other advice will be appreciated.

Thanks in advance.

Your first mistake... giving him your Ford Focus. You need to let your child support themselves. If he can't commit to the money side of things to drive... Then he just shouldn't.

I paid for everything for my car... My petrol, my tests even the parts to fix it when i broke it... New brakes etc. Service.. The works.

My car is worth about 450.. I've learnt to cherish this car because its something i spent my hard earned cash on. If you just hand out cars to your son then he isn't going to respect it enough and therefore probably thrash it around and more than likely crash it.

That is half the problem theses days. Parents handing out for their kids.. I can understand them not wanting their child to be driving around in a dangerous car thats too old to be any use when it comes down to being safe but this is seriously taking the frigging biscuit...

Im just speaking from experience and i hope you take this into account.
(im not trying to offend you in any way at all, just putting my point across)
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

Rawb is offline Reply With Quote Quote 
Old 07-07-2010   #6
Join Date: Aug 2008
Posts: 4,200
Thanks: 22
Trader Rating: 0
United Kingdom 
Re: How to insure for a 17 year old?

With a 1.6 you'll be raped with insurance, if you want cheaper insurance go for a smaller engine, older car. Still expect to pay 1,000+ though.

Adding yourselves as a named driver will help a bit, adding my mum saved me 100.
__________________
Quote Originally Posted by SurreyAlan View Post
before you wish to get old just remember that while insurance costs go down other things fail to go up.
Quote Originally Posted by balidey View Post
With the help of my wife giving a gentle tug I can get it up in record time, fully erected in under a minute
Kier is offline Reply With Quote Quote 
Old 07-07-2010   #7
SCO
Join Date: May 2010
Location: IOW, Dumfries & Galloway
Posts: 1,693
Thanks: 67
Trader Rating: 0
Vance has donated!
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by FireballXL5man View Post
My son, aged 17, will hopefully pass his driving test in the not too distant future. I intend to give him our Focus 1.6 Zetec. He intends to take Pass Plus programme of lessons straight away. He has been looking online for Third Party Fire and Theft insurance as the owner of the vehicle and main named driver. We're not going down the route of his mother keeping the ownership of the vehicle and having him as a named driver, I believe that's a pretty risky way round things, though lots of people do it. He has got on-line quotes of around 2,700 for the insurance. Can anyone here suggest a company which has the best insurance deals for 17 year old males? Any other advice will be appreciated.

Thanks in advance.
Having a higher voluntary excess can also get you a better price.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

Vance is offline Reply With Quote Quote 
Old 07-07-2010   #8
Join Date: Nov 2007
Location: Barnsley
Posts: 1,272
Thanks: 65
Trader Rating: 0
Benjammo has donated!
Blot in Hell Champion
United Kingdom 
Re: How to insure for a 17 year old?

try giving chris knotts a bell and tell them you found them from here.
https://www.fiatforum.com/insurance/...est-quote.html
i've been getting quotes for my focus 1.8, most places were 500-600, they were 310, but then I've changed it so that my seicentos insured and the focus is now a temp car, only a week. that got it down to 280 with all the mods declaired.

but at that age your going to be bent over, I had to pay 1200 on a 998cc mini 10 years ago. TBH, I dont think a 1.6 focus is a good first car, when hes got a mate or two in, and he starts to find his limits (we've all been there and done it) he's going to kill himself, maybe others.

stick to something with a small engine, nissan micra K10, seicento, mini, lupo, etc..... theres some really cool cars for youngsters that will be cheaper to insure, have more street cread and less power.
__________________
Benjammo is offline Reply With Quote Quote 
Old 07-07-2010   #9
Super LOL!
 
Stu DemonD's Avatar
Join Date: Sep 2003
Posts: 23,471
Thanks: 426
Trader Rating: 1
Stu DemonD will never be forgotten
Stu DemonD has donated!
Jigsaw: Chess Pieces Champion
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by Rawb View Post
Your first mistake... giving him your Ford Focus. You need to let your child support themselves. If he can't commit to the money side of things to drive... Then he just shouldn't.
At the end of the day, if a parent wants to support their children, then let them - it is not a mistake. Buying or giving a car away is nothing when compared to trying to build up a house deposit...

Then again, I had my first car given to me at 17 - plus I also intend to help out our children once they hit that age.
__________________
See you next Tuesday
Stu DemonD is offline Reply With Quote Quote 
Old 07-07-2010   #10
Speed Reader of the Year!
 
Most Easterly Pandas's Avatar
Join Date: Aug 2007
Posts: 39,312
Thanks: 1231
Trader Rating: 2
Most Easterly Pandas has donated!
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by Rawb View Post
Your first mistake... giving him your Ford Focus. You need to let your child support themselves. If he can't commit to the money side of things to drive... Then he just shouldn't.

I paid for everything for my car... My petrol, my tests even the parts to fix it when i broke it... New brakes etc. Service.. The works.

My car is worth about 450.. I've learnt to cherish this car because its something i spent my hard earned cash on. If you just hand out cars to your son then he isn't going to respect it enough and therefore probably thrash it around and more than likely crash it.

That is half the problem theses days. Parents handing out for their kids.. I can understand them not wanting their child to be driving around in a dangerous car thats too old to be any use when it comes down to being safe but this is seriously taking the frigging biscuit...

Im just speaking from experience and i hope you take this into account.
(im not trying to offend you in any way at all, just putting my point across)
TBH I think that was a bit in your face what you said. I had my first car given to me but had to do everything else myself

TBH though, imo a 1.6 is far to powerful a car for a first car!

I've only a 1.4 now and thats more than powerful enough at the age of 21.

1.2 8v or lower imo as a new driver but each to their own.
__________________
Most Easterly Panda's - Panda'ing in East Anglia
Stockest of mk2 Panda Parts, PM for any parts requests
1993 Classic Panda Selecta, 1989 Panda 750L,
2015 Kia Soul EV, 2009 Panda Eleganza & 2005 Panda Climbing 4x4 (LPG)
Most Easterly Pandas is offline Reply With Quote Quote 
Old 07-07-2010   #11
Join Date: Jul 2010
Location: West Yorkshire
Posts: 292
Thanks: 7
Trader Rating: 0
IronHorse has donated!
United Kingdom 
Re: How to insure for a 17 year old?

Try admiral they seem to be the most reasonable for myself, Fiat Punto Evo Sporting with modifications (Tinted Windows, Optional alloy upgrade, Exterior Decorations) 1.4T 16V for a 22yr old Male (Me!) Girlfriend as named driver, 1Years NCB and full business use for myself is just over 1100 compared to other quotes near and over 2K
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

IronHorse is offline Reply With Quote Quote 
Old 07-07-2010   #12
a.k.a. Joe
Join Date: Feb 2009
Location: Hertfordshire
Posts: 957
Thanks: 28
Trader Rating: 0
PlopHole has donated!
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by fenton_jd View Post
Direct line was always the cheapest I could find during that initial 1st year with 0 no-claims....ditch them once no claims is attained as they dont tend to drop their prices much as time goes by.
I second that. Had exactly the same experience with DL - they were the cheapest when I first passed, come renewal I found they were no longer that competitive.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

PlopHole is offline Reply With Quote Quote 
Old 08-07-2010   #13
Join Date: Nov 2009
Posts: 195
Thanks: 8
Trader Rating: 0
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by Rawb View Post
Your first mistake... giving him your Ford Focus. You need to let your child support themselves. If he can't commit to the money side of things to drive... Then he just shouldn't.

I paid for everything for my car... My petrol, my tests even the parts to fix it when i broke it... New brakes etc. Service.. The works.

My car is worth about 450.. I've learnt to cherish this car because its something i spent my hard earned cash on. If you just hand out cars to your son then he isn't going to respect it enough and therefore probably thrash it around and more than likely crash it.

That is half the problem theses days. Parents handing out for their kids.. I can understand them not wanting their child to be driving around in a dangerous car thats too old to be any use when it comes down to being safe but this is seriously taking the frigging biscuit...

Im just speaking from experience and i hope you take this into account.
(im not trying to offend you in any way at all, just putting my point across)
No problem, I'm not offended by this post. I appreciate your opinion. However, the dealer offered us just 2000 on the car as a trade-in. My son intends to pay his own insurance when we transfer ownership to him. If we accepted the trade in deal, we'd probably pay a similar amount for an inferior car. We've owned that Focus from new and it's never been pranged. As a result, we'd like to keep it in the family.

How about another option. My wife keeps ownership of the car, we add my 17 year old son as an additional driver and he doesn't modify it in any way. It sounds legal and reasonable to me, what do you guys think?

Thanks in advance.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

FireballXL5man is offline Reply With Quote Quote 
Old 08-07-2010   #14
Super LOL!
 
Stu DemonD's Avatar
Join Date: Sep 2003
Posts: 23,471
Thanks: 426
Trader Rating: 1
Stu DemonD will never be forgotten
Stu DemonD has donated!
Jigsaw: Chess Pieces Champion
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by FireballXL5man View Post
How about another option. My wife keeps ownership of the car, we add my 17 year old son as an additional driver and he doesn't modify it in any way. It sounds legal and reasonable to me, what do you guys think?
This would be 'fronting' if your son is going to be the main user of the car.
__________________
See you next Tuesday
Stu DemonD is offline Reply With Quote Quote 
Old 08-07-2010   #15
- Amateur Detailer -
 
Rawb's Avatar
Join Date: Apr 2010
Location: March, Cambridgeshire.
Posts: 1,558
Thanks: 52
Trader Rating: 0
Rawb has donated!
United Kingdom 
Re: How to insure for a 17 year old?

Quote Originally Posted by FireballXL5man View Post
No problem, I'm not offended by this post. I appreciate your opinion. However, the dealer offered us just 2000 on the car as a trade-in. My son intends to pay his own insurance when we transfer ownership to him. If we accepted the trade in deal, we'd probably pay a similar amount for an inferior car. We've owned that Focus from new and it's never been pranged. As a result, we'd like to keep it in the family.

How about another option. My wife keeps ownership of the car, we add my 17 year old son as an additional driver and he doesn't modify it in any way. It sounds legal and reasonable to me, what do you guys think?

Thanks in advance.

That sounds so much more reasonable, sorry about my previous post... I was angry at the time and had to vent it all...
Anyway... Its best to insure your son on your policy as a named driver, just keep the car in your name... and it'll be fully legal.



My insurance before (Quinns cars TPFT) 148.36 monthly...

My insurance on my mothers policy (Fully Comp/CIS) 41.00 Monthly.

Saves alot of money and hastle... The other funny thing ive noticed is I can have a 2.0 Renault sport and only pay 110.00 monthly... Think ill be getting a faster car once ive had more experience, for the time being i'll save for a HGT I wish your son all the best with learning to drive.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

Rawb is offline Reply With Quote Quote 
Reply
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump
Similar Threads
Thread Thread Starter Forum Replies Last Post
Who's cheapest for a 17 year old to insure with? dombooth Insurance 54 14-10-2010 17:12
(G) How Much to Insure Your Panda? doctorchris Panda 64 09-01-2009 13:21
Insure And Go! x Alex x Insurance 2 23-12-2006 00:14
to insure or not to insure jonesy051 Security 19 28-09-2004 10:21
to insure or not to insure jonesy051 I.C.E 15 06-06-2004 18:42