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(Post Link) post #1 of 28 Old 06-07-11 Thread Starter
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Help an 18 year old get insurance

Herself's, daughters boyfriend, wants a car, we found him a 325 Fiat seicento, taxed and tested only 900cc, he has not had his licence a month and is only 18, lives in one of the worst postcodes in the land L8,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,cheapest quote so far, third party only;;;;;;;;;;;;;;;;;;;;;;;11,000................ ....
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car insurance is a scam they got us by the nads because we have to have it
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Try 3PF&T, its usually cheaper than 3P.

But yes, its pretty shocking, he may have to just do without.
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He could try putting his dad or mum on the insurance as named drivers, that sometimes brings the cost down.
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Try Quinn Direct, they're pretty good for 18 year olds. If his next birthday is coming up soon, wait until then...my insurance company wanted an extra 1200 for putting me on the day before my 18th birthday...

Direct Line were good a while back, but they recently changed their policies and now won't insure 18 year olds on...anything .

If you're running through the comparison sites, try Parkers Compare - tends to come up with majorly different quotes from anyone else.

I'm quite lucky, my postcode is counted as the lowest risk area...I still paid 4800 this year...mind you it was for a group 26 Alfa 147 1.6 T Spark

Failing all the above, go for E Car insurance, and choose the Pay as you go option. They're the only company in the UK that does monthly insurance for 18 year olds. Could work out cheaper...

Also, some insurance companies will lower the price if you add on additional drivers (E Car doesn't, Quinn just prices it on the highest risk driver), so an older relative (preferably female) with a good driving history could lower the price.

Failing that again...Move to the country.
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Basically, there are a few little tips one can try

Use Mum/Dad's postcode - normally quite good but I don't think it is fully legal. Hard to prove either way though where one permanently resides.

Tinkle with Job Title - Admin Clerks are one I remember that get cheaper car insurance. You obviously can only do this to a point. It's just that many jobs include various aspects of specific roles - choose the one that suits best.

For me - Fully Comp was cheaper than 3rd Party - don't now why but I just went with it.

Lastly, this (alongside postcode) made the biggest difference, add a named driver who has bags of experience and no points on their license or recent claims (think last 5 years).

If these don't bring it down much then I think you'll just have to accept what you've got.
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Originally Posted by ViolentLoser View Post
Basically, there are a few little tips one can try

Use Mum/Dad's postcode - normally quite good but I don't think it is fully legal. Hard to prove either way though where one permanently resides.

Tinkle with Job Title - Admin Clerks are one I remember that get cheaper car insurance. You obviously can only do this to a point. It's just that many jobs include various aspects of specific roles - choose the one that suits best.

For me - Fully Comp was cheaper than 3rd Party - don't now why but I just went with it.

Lastly, this (alongside postcode) made the biggest difference, add a named driver who has bags of experience and no points on their license or recent claims (think last 5 years).

If these don't bring it down much then I think you'll just have to accept what you've got.
The first two suggestions will earn you a one way ticket to having the policy voided from inception so when the inevitable accident happens you will have to foot the other persons bill not the insurer, they can and will find out very easily trust me, I really suggest you don't do that!

Problem is he is 18 with an L8 postcode, may as well buy a bus pass for him as it will be cheaper
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Quote:
Originally Posted by Skell18 View Post
The first two suggestions will earn you a one way ticket to having the policy voided from inception so when the inevitable accident happens you will have to foot the other persons bill not the insurer, they can and will find out very easily trust me, I really suggest you don't do that!

Problem is he is 18 with an L8 postcode, may as well buy a bus pass for him as it will be cheaper
isnt using ones parents details called fronting? unless he still lives at home of course
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Try Quinn / Aviva / Admiral. Do add at least one experienced aged parent. Don't front or pretend to live elsewhere. Has he done the pass plus thingy? that helps with many insurers. If you have a choice go the accelerated bonus route. Good Luck


http://www.direct.gov.uk/en/Motoring...vers/DG_182846

Quote:
Insurers offering discounts
The following insurers offer motor insurance benefits to car drivers who have passed Pass Plus:
4Counties Insurance
AA Insurance
Adrian Flux Insurance Services
Churchill Insurance
CIS
Click4Gap (enter voucher code 'PASSPLUS10GAP')
Direct Line
Endsleigh
i-Kube
Privilege
Quinn Direct Insurance Ltd
Royal and Sun Alliance
Swinton Car Insurance
Young Marmalade
Provided by the Driving Standards Agency

Last edited by guiliasuper; 13-07-11 at 07:49. Reason: Added link
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Try Quinn / Aviva / Admiral. Do add at least one experienced aged parent. Don't front or pretend to live elsewhere. Has he done the pass plus thingy? that helps with many insurers. If you have a choice go the accelerated bonus route. Good Luck


Claiming a car insurance discount after completing Pass Plus : Directgov - Motoring
Passplus applies to 10 insurance companies, and doesn't make much, if any difference at all. Get a quote with and without first, since the money knocked off could well be less than the cost of taking the qualification.

Accerlerated bonus generally applies to monthly insurance, and it's only Admiral and ECar that are offering one that will make a difference at the moment.

Don't front or pretend to live elsewhere, definately, it will mess things up big time.

As for the career changes, use this:
Cheap Car Insurance Job Picker: tweaking your job title can make your car insurance cheaper
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Any updates?
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Quote:
Originally Posted by Sphinx View Post
I still paid 4800 this year...mind you it was for a group 26 Alfa 147 1.6 T Spark


For insurance or the car I'd like a baby if I'd had to pay that at 18



At 18/19 I had a 18 month old Honda CRX and only paid 800








Mind you that was 25 years ago
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11k!!!!

WTFH is that all about?!?!?!?!?!
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Could try Adrian Flux as a broker. Claims to specialise in young drivers amongst other things
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Honestly, it would be cheaper to move and then get insurance than it would be to stay living in L8...

and Evel I bought my Bella for 800
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Originally Posted by TI-ger boz View Post
Could try Adrian Flux as a broker. Claims to specialise in young drivers amongst other things
they don't they're crap.
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Originally Posted by Sphinx View Post
Honestly, it would be cheaper to move and then get insurance than it would be to stay living in L8...

and Evel I bought my Bella for 800


Now there's passion for the Marque 4800 insurance to drive a 800 motor :HB:





The world has gone mad :CRAZY:
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My daughter is 18 and passed her test in April we gave her our 05 panda and then tried to insure her at first we were getting quotes of 4000.00 ish and given that she is a student and therefore skint I wasn't very happy . After putting her details in over and over again we got fully comp for 1800.00 and that is in her as named driver not too bad for Liverpool city centre
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Quote:
Originally Posted by Skell18 View Post
The first two suggestions will earn you a one way ticket to having the policy voided from inception so when the inevitable accident happens you will have to foot the other persons bill not the insurer, they can and will find out very easily trust me, I really suggest you don't do that!

Problem is he is 18 with an L8 postcode, may as well buy a bus pass for him as it will be cheaper
I'm not sure that tinkering with your job title would affect your insurance too much as as long it's a fair description, they can't have much to complain about. I have no job description myself, so I'd be buggered if they got picky about it.

I've got graphic designer on mine because there's no option for "partner in a marketing agency with responsibility for production, IT and website build plus an online greetings card business as a sideline". The one thing I do not consider myself is a graphic designer, but that's the closest thing that is ever an option or that most people understand to explain what I do.

1.21 GIGAWATTS?!

Ex 95 164 TS Super, 95 164 QV, 97 164 V6 Super all very much missed.
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Oh and we used diamond insurance they were easily the best price
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wow! i am never having kids after reading this thread.... sounds pretty expensive
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Try Liverpool Victoria, they were very good for me when I was 19.
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You might want to consider classic car insurance. We had this sorted for Son of on a 20 year old Nova. Was coming in around 800. Try Peter James Insurance.
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i thought most classic insurers only insured people over 21?
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Tell him to use public transport like the rest of us did until he can afford to insure the car HIMSELF!

Last edited by EauRouge; 22-07-11 at 22:33. Reason: I meant Public not Pubic.
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