The options vary from site to site but wherever possible I put that its on the driveway, locked car park (my back garden) etc. It has no mods whatsoever and we are entering the value as what we paid for it which was £1150 which is actually a few hundred less than the current price guide value. Its only a 1.2 Active.
No convictions, never had insurance declined, no criminal record etc. I was searching online for clues on how they come to the prices they do and one site even said they will charge you more depending on if you are married or single, your level of education and your credit reference file.
He has a degree in Computer Programming and a good credit score. It all comes back to postcode.
The problem is that premiums are going to be higher this year, as there where a lot of claims over the winter due to people crashing in the snow.
I was paying £454.xx on a brand new T-Jet sporting, with my gf as a named driver. I have now changed to an abarth 9 groups higher and it will probably go up to above £1,000 although I am 25 the day before the policy renews. (driving 7 yrs this Decemeber(3rd) and currently 3 yrs no claims)
I also have a Network Computing Degree, but that makes no difference.
The cost is worked out on postcode, car value and driver experience + accidents.
As your son has not got a full license he will be supervised, when he passes he will not be supervised (learn how to drive "properly" and gather more real world experience) but due to the lack of supervision he will be at increased risk of having an accident which is why it will go up £300.
He is also male and in the age group where most accidents occur.
Hopefully you are aware of fronting, and as you said to add other family members they will just be named drivers rather than the main driver.
The Stilo is a low insurance group so that is good, find the value of your postcode by googling it, I think I am a C group.
Have you tried direct line, you will not find them on comparison sites so worth going direct, that is who I am with.
Ultimatley you will end up paying a lot of money until he has NCB and has experience, its just the way it is, younger people pay through nose for insurance, and I used to have a stilo 1.6 and paid £1,600 for a yr once, with no NCB
If he wants cheap insurance tell him to use his time and search, as its his money and he can save a lot with a very good look around.
Hope this helps,
Tom
