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[Andy B]

My son passed his driving test on Monday (3rd attempt) and has obviously started to look at buying a car. Do any of you have any recommendations for insurers for a 19 year lad? I never expected insurance to be cheap, but 2 grand to insure a £500 1.4 Astra seems to be taking the pi$$.

[hotel21]

Get a quote with Mum as a named driver on the policy, still with m'lad as the policy holder though.  This tends to drop the premium cost with most companies, it would appear.

[Elite Pete]

Get a quote with Mum as a named driver on the policy, still with m'lad as the policy holder though.  This tends to drop the premium cost with most companies, it would appear.

And if you insure with Directline as Bruccie says above your lad will earn his own no claims discount as well

[Craig_R]

Get Him To Take The PASS PLUS it drops young drivers insurance by about 10% to 20% with most insurance companies does not sound alot but when its at over a grand it really helps.

I had To Start Out with a 995 Citoern AX as insurance was to high on other stuff and i have worked my way up to bigger engined and sized cars over the years.

Sounds strange but it easy and cheaper to find big engined cars 2nd hand as the smaller 995cc engines dont last long i blew mine and looked after it with 95,000

[megaomega123]

Could always try Tesco value insurance for a £500 car.

[Danny]

when i passed my test i couldn't justify payin £1200 insurance on a cheap car so i deliberately spent £3000 on a relatively new corsa!

i went with churchill first at £1,150, then easymoney insurance at £590ish with my first year's no claims

he might not want to be told this but it really made sense for me to get a 1.0 engine at least for a year or so to keep insurance at a minimum

[Jay w]

just bought a 95 clit for my son, for both of us to use the car its £385 TPFT

i am main named driver, he is additional driver and earns NCD, and he can still drive it on his provisional as well  

will get the name of the Co and post them up

[Andy B]

Thanks for the replies & suggestions. We'll check out our/his options.

[Jay w]

company who quoted me was quinn direct  

[Andy B]

company who quoted me was quinn direct  

Thanks.
I think I've seen that company amongst some of his quotes. The best we've/he's got so far is by going for a bigger excess (there's only been a couple of hundred quid between comprehensive & TTF&T) and it's come down to ONLY c£1750 for his ficticious 1.4 Astra!!        
I know it was a long time ago now, 1979? but my first insurance on my Honda CD175 was £47!!! (Road Traffic Act only - what ever that was  :-?  :-? )

[Jimbob]

With quotes like these it is hardly suprising there are so many uninsured drivers out there!
I wonder how many of them WANT to drive legally, but its a choice of illegal or not at all.

When I started 12 or so years ago, with 1.4 Astra Estate, about 5-6 years old, my dearest quote even then was over £2000, but got it for about £700.  Relatively this was about 1/2 the cost of the car.

[Jimbob]

And to add, the other option is think about finding the cheapest brand new car you can find, with 3 years free insurance.
Over the course, could well work out cheaper.

[Paul M]

Get a quote with Mum as a named driver on the policy, still with m'lad as the policy holder though.  This tends to drop the premium cost with most companies, it would appear.

I still do this, even with my 840... drops the premium by about 80 quid! It's a crazy setup, I've been 100% honest -- I'm the policyholder, I'm stated as the main driver, my mum is added as an occasional driver (basically she likely won't drive it at all, then again she might!) and it drops the premium.

I tried adding my dad too but it went back up a little. Still cheaper than just myself on the policy though.

It used to be that I could add my dad onto my bike insurance for no extra cost too, but my latest policy doesn't follow that pattern so he's outta luck if he wants a shot of the R1

[Andy B]

And to add, the other option is think about finding the cheapest brand new car you can find, with 3 years free insurance.
Over the course, could well work out cheaper.

Which why Citroen sold loads of Saxos when they were giving away free insurance with them.

[Danny]

am i to understand that say if you put your mother on your insurance as a named driver even tho she may never drive your car, if she were to make a claim from an accident/offense in her own car and lose her no claims, could that bump up your premium??