My 17yr old niece has just passed her driving test, any ideas re cheaper insurance?
Answers:
You could get her to take the Pass Plus Course which brings the price a tad down and then try:
http://www.confused.com or then you could give direct line a call, or visit their website which the link is at the bottom and anyone with a full licence can get insured on the vehicle and your niece can be a Third party and she can earn her own no cliams discount. And it should make it even more cheapr to insure and gaining her own no claims!
Good Luck and let me know how you get on. I had the problem as a 17 year old when I passed.
when i had my first car I had a policy with 1st quote and my friend was with ecclesiastical. avoid te aa like the plague.
insurance is going to be high till shes 25
go onto autotrader web site and go onto insurance and it'll check 100's of quotes instantly. couldn't beleive how much i was overpaying
try confused.com or even Tesco
YES.and this works and its legit! Get it ensured in her mum/dad's name and have her as a named driver. It will be massively cheaper, you'd look at approx £300-£600 depending on the car for both people. Also she should go with someone like admiral or churchill because I believe she will get no claims even as a named driver. Hope this helps
im not sure , but try do an online comparesment in your country , maybe there be something online. goodluck
Find out about pass-plus courses. These take new drivers on motorways and out at night and claim to reduce insurance.
It also depends on where you live. If you can register her car and insurance to a relatives house in the country, it'll drop dramatically (that's a bit naughty though!)
The only other thing to do is get her a car that is mega low insurance group (Fiat cinqocento etc).
It could be worse, it'd be even higher if she was your nephew rather than niece!
Ignore the post about putting her as named driver on mum/dads insurance, the insurance companies have been wise to this for years and just charge for the most expensve driver on the policy.
Yes, get her to use public transport - it's good for the environment, costs nothing in insurance and means that one less 17 year old is blocking up Britain's roads.
i went with diamond they arent't very good if you want to pay direct debit but i bought as £600 car and insured in my name (im only just 18 with onli a provisional) and paid £540 for 10 month accelattor so in 10 months it counts as a years no claims. bt it is only third party fire and theft but i added on windscren cover and personal injury cover should I have a serious accident. also try confused.com they look at lots of different quotes. another way of getting the premium down is what i did im the main driver on mine but i put my mum as a named (so shes insured to drive my car but its my no claims that is affected should i have an accident) and it took it from £910 to £540.
try high prformance or quotea
My partner is a driving instructor and would advise you to get your niece to do a "PASS PLUS" course, 6 extra hours of driving in the dark, rural and motorway.
You can save about 25% on some quotes and is classed as one year no claims bonus for new drivers.
The older her car is, the less her insurance will be. I don't know of any European insurance companies though, sorry.=0/
The best quote I got at her age was from Norwich Union Direct. They have just put their prices up though. Has she done a "Pass Plus" course with her instructor because that can take hundreds off the price.
£3000 sounds like a lot of money. Has the car got a large engine or something? Unless the car is a 1.4 or under, she will have to pay over £1000. The smaller the engine the better.
www.moneysupermarket.com they search loads of companies for you. £3k is extortionate, don't pay it!
I say make her pay. New drivers are a menace and a danger to other road users, although I grant you, girls are usually not as bad as boys.
The fact that her car is worth £600 has no bearing on the insurance premium. It's the amount of damage that she might cause in it that is the issue.
For instance, if she were to hit my £60,000 Range Rover Vogue, it would cost the insurance company a hell of alot to repair the damages to my car, while hers would probably just be written off at little cost.
New drivers should not get cheap insurance. Period. They should learn to appreciate that if they drive carefully and considerately they will in future enjoy the benefit of lower premiums.
P.S. A message to Nottingham man. This is called fronting and most certainly isn't legal. Should the daughter have an accident on her way to work and be found by the insurance company to be the main driver, the insurance company has every right to throw out the claim making the premium, however low a total waste of money.
Yes, try Express Insurance Services, Birmingham. They have been by far the best for my daughter who passed her test at 17 (she's now nearly 21). We've renewed with them every year since as they still get her the best deal.
It also helps if your niece takes the additional competent driver test. She should ask her instructor if he does this. I think it's called "pass plus". It costs around £100 but well worth it.
http://www.expressinsurance.co.uk/script.
As with any motor insurance, it pays to shop around and get a few quotes.
Your niece's premium is going to be heavily weighted because of her young age, inexperience and lack of a no-claims discount. The type of car will have a significant bearing as well. You'll find that a small car such as a Micra or Fiesta will be much cheaper then a medium sized car.
Try these comparison sites.
http://www.moneysupermarket.com/motor/.
http://www.confused.com/
https://secure.swiftcover.com/
http://www.moneynet.co.uk/insurance/moto.
http://www.insuresupermarket.com/motor/m.
To significantly reduce the premium go for third party cover only, this can reduce the cost of cover by up to about 70%. It does mean that in the event of an accident she won't be able to claim so it's worth considering an old, cheap car that can be scrapped should it become damaged.
Also worth taking a Pass Plus course (part of the Driving Standards Agency). http://www.passplus.org.uk/ This will significantly reduce premiums and there are some local councils that subsidise the tuition costs. http://www.passplus.org.uk/sponsors.asp.
endleigh insurance is specialising in young people, especially students!
OH OH, ANOTHER BIRD ON THE ROADS!
Your going to pay wherever you go I'm afraid. It is just a fact that young driver tend to get more tickets and they get into more accidents then any other age group. The fact that she is a girl does help a small amount because men age 18-24 are the highest risk group to be in. Once she has had some years behind the wheel with no tickets or accident, the rates should come down somewhat.
My girlfriends daughter went with Diamond. She put her mum on as an additional driver and that brought the premium down but allowed her to be building her own No Claims Bonus. Her car was worth £1500. She paid about £900 for the first year and her first renewal has come down to £700.
Other possibilities are using an insurance search engine which covers a range of companies.
Swinton are agents for provident insurance who offer the lady driva scheme. It was and still is the best and by far the cheapest policy around for young female drivers.
She should also ask whether there would be a discount if she did the pass plus scheme - 6 lessons covering areas of driving not covered in her other driving lessons eg motorway driving, and no test at the end.
When I passed my test I was given a years no claims discount for completing my pass plus and they gave me two months from the date of my insurance in which to complete it. You also get to keep that no claims bonus so if you go a year without a claim you have two years ncb and so on. Most accredited driving instructors offer pass plus and for the cost of 6 lessons not only will your niece have a better knowledge of driving skills she could save money in the long run.
Whatever she does don't be fooled by the women only insurance providers, such as sheilas wheels. They are more expensive than the majority of other providers
Insurance for a 17 year old will be expensive no matter what insurance company you get it from. She will have to wait until she is 25 for the rates to go down.
Try Third party only insurance. One of the big insurance companies has brought out a policy where as young drivers who do not use their car between 11pm and 6 am pay cheaper insurance but must have a box fitted so that if the car moves within that time frame you are fined £25. Try confused.com then ring the insurance company themselves sometimes it can be cheaper
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try confused.com they are really good also hastings direct is good.
Pass Plus will certainly help to bring insurance a lot then shop round for quotes. Being female certainly helps as they are considered less of a liability.
try confused.com. they search all the insurance companies, also restrict driving to insured only, increase your excess and fit a thatcham category 1 security device to the car. all of this will help reduce premiums.
Go to:
http://www.confused.com or http://www.moneysupermarket.com.
Whatever the cheapest is there go to that site and do a new quote as you may find it cheaper because on confused and moneysupermarket it may be higher (commission). Example if Tesco is the lowest the open up a new Browser window and type in http://www.tesco.com
not realy she has to build her own and this takes time trust me been ther & done it.
get a small car to start with!
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