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so... my son has applied for his provisional licence, we've booked lessons, he's studying the Highway Guide and can pass the online test everytime. So he's well on his way to getting his driving licence.
I've said I'd sort him a cheap car and we've found quite a few for under £500 that are perfectly suitable with long MOT and tax etc but then I call the insurance companies...
for 1.4 litre M reg Ford escort they want a minimum of £2000+ just for 3rd party insurance, not even fire and theft!... and that was the cheapest car I got a quote for, some, like a 1.8 peugot 306 were quoted at £3095 for third party
so, are there any tips and tricks for what cars attract the lowest insurance and/or the best insurance companies for new drivers?
my wallet will be thankful for any tips!
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Posted: 2008-05-28 13:44:27
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looking at a 1.4/1.6 for a 17 year old kid is always going to end in an empty wallet!
you need to look at 1.0-1.2 litre engines
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Posted: 2008-05-28 13:46:53
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thanks for that, I was sort of coming to that conclusion.
still, its all very scary numbers though, nothing like what I expected (maybe sub £1000)
I'm with directline and what they told me was to let him get his licence now, then don't drive for a year when he can benefit from being 19, not 18, and also the fact that he has had his licence for a year.
I said thats crazy if he gets lower insurance at that time without having driven since getting his licence but they said thats just the way the system works!
anyway, he really needs more freedom of movement and I won't let him have a bike until he's driven a car for 2 or 3 years and has more appreciation for the road.
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Posted: 2008-05-28 13:54:08
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the older vaxhall corsa's are cheap to insure i was gonna get the 1.4 SRI.
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Posted: 2008-05-28 13:55:30
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1.2 litre car
3rd party, and named driver is cheapest method to do it really.
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Posted: 2008-05-28 13:59:27
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You are more careful on a Bike than a car, you are more alert because you have so many stupid young people driving cars, i wont even get in a car with some people i no i would rather walk, having him do a cbt test and riding a moped for a year or so will give him the confidence, Sorry for interrupting i dislike cars lol
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Posted: 2008-05-28 14:01:36
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it was funny because there are ways around this.
I found that Tesco insurance can be cheap if you just max out the premium payout.
My friend added himself and his wife to a plan once with Norwich union and it was MEGA expensive.
So he put his wife as the main driver (despite her having less experience) and himself as the add-on and it was half price!
Try adding your wife as the main and your son as the extra driver
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Posted: 2008-05-28 14:32:55
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Mine was a 1.0 Talbot Sunbeam, and it cost £234 TPFT, and I though that was expensive when I first starting driving.
Think the thing to do is, a nice small engined car for defo.
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Posted: 2008-05-28 14:49:43
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thanks guys. spotted a decent peugeot 205 1.1 and used gocompare to find a price of £950 with some company called quinn-direct while everyone else is still quoting £2000.
may go with that.
@amnesia, I'll give that a try but the companies I called so far say that for any under 21 years old the main driver has to be the main insured person
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Posted: 2008-05-28 14:55:50
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205, that was the Mrs first car. £950 still sounds expensive, but compared to the other quotes, its obviously not.
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Posted: 2008-05-28 15:08:49
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