Menoporsche Posted December 12, 2011 Report Share Posted December 12, 2011 I can't be bothered to look for you (I'll only have this problem in 10 years or so) but what about moneysavingexpert.com? Any ideas there? Link to comment Share on other sites More sharing options...
trev Posted December 12, 2011 Author Report Share Posted December 12, 2011 Good idea, off to look now. Link to comment Share on other sites More sharing options...
trev Posted December 12, 2011 Author Report Share Posted December 12, 2011 Thanks to Menoporsche for the suggestion.I learnt plenty.Was surprised to find insurers now run a 50 group rating system, didn't know that, thought it was 20.Ford Ka was always group 2, in the new system it is a group 10.!!Fiat Seicento is a group 3 and based a new quote on that car, 899cc engine and also limited mileage as advised to 5000k miles.Also put pass plus done.In Amy's name with me and her mum as named drivers, but Amys policy in her own right and therefore earning bonus.£2896.Still a ridiculous sum of money but it is also £1550 cheaper than previous quote.It's all about knowing what to buy and being as informed as possible beforehand.Getting on the road should be pleasurable, it may well be for Amy in 7 months, but there is every chance I ain't gonna enjoy it!! :-( Link to comment Share on other sites More sharing options...
Menoporsche Posted December 12, 2011 Report Share Posted December 12, 2011 Pleased to help, thanks for the feedback Tell me a seicento isn't the one with the horrific ncap rating? What about an aygo or c1? Link to comment Share on other sites More sharing options...
trev Posted December 12, 2011 Author Report Share Posted December 12, 2011 I just used that vehicle because a link gave a list of low group vehicles.At this stage it's more the group of the vehicle than anything else.There were some reasonably modern cars in the list as well though.It's all just research at the moment. Link to comment Share on other sites More sharing options...
Mr Kipling Posted December 13, 2011 Report Share Posted December 13, 2011 Menoporsche, afraid so 2 stars see NCAP assesment - http://www.euroncap.com/tests/fiat_seicento_2000/73.aspxOn the plus side it's a good car to be hit by, likely to disintegrate on impact.The front impact profile shows that at least your left thigh and chest will survive.Most cars from 2000 onwards achieve 4 stars, Jazz,Yaris,Fabia don't settle for less, here's a link to all supermini ratings past and current - http://www.euroncap.com/supermini.aspxIit may also bring to mind a car that you haven't previously considered. I had a C1 as a loan car and they are surprisingly good, cheap but fun and nippy as well as very economical. Link to comment Share on other sites More sharing options...
Menoporsche Posted December 13, 2011 Report Share Posted December 13, 2011 Yeah, that's the baby deathtrap. Otherwise trev, here's a radical suggestion - does she really need a car at 17? Have you tried the simulation for 18, 19, 20 to see how much it brings down the premium, even with no NCB? If she's in the sticks / working, then fair enough, but if she's off to uni then a car is a luxury TBH. If it drops the premium by a grand I think it would be better to wait a year then spend the thousand on a better car... Again, just an idea.When I were a lad, mumble grumble.... Link to comment Share on other sites More sharing options...
trev Posted December 13, 2011 Author Report Share Posted December 13, 2011 It does raise all sorts of issues.She has just started her first year training to be a Nurse.2 years at Uni and placement in Oldham Royal hospital to come.She will be due to start her placement at the Hospital just after her 17th birthday and it will involve unsocial hours and weekends.Means public transport is nearly useless. Me and her mum will end up doing the taxi bit.. Link to comment Share on other sites More sharing options...
Menoporsche Posted December 13, 2011 Report Share Posted December 13, 2011 Fairy nuff Link to comment Share on other sites More sharing options...
Boxob Posted December 13, 2011 Report Share Posted December 13, 2011 ....it will involve unsocial hours and weekends.Means public transport is nearly useless.Me and her mum will end up doing the taxi bit..First good luck with the course.Another "radical" thought. At the sort of insurance prices you're being quoted (plus the cost of the car, services, breakdown membership, tax etc) it'll probably be cheaper to pay for a taxi (especially if shared) for those times when she needs it. If she becomes a "regular" she may even be able to negotiate a discount! Link to comment Share on other sites More sharing options...
trev Posted December 13, 2011 Author Report Share Posted December 13, 2011 Very good chance it is gonna end up being taxis.Properly frustrating, back in my day… Link to comment Share on other sites More sharing options...
LondonBoxa Posted December 13, 2011 Report Share Posted December 13, 2011 And the next set of ideas right along here based on a Google search of "Car insurance +young +tracker"...www.coverbox.co.uk They install a Tracker and then the cost of the insurance seems (!) to be based on usage.www.quotelinedirect.co.uk/car/new-driver.asp Another version of the above scheme where you aren't allowed to drive between 23:00 and 05:00www.ikubeinsurance.com An installed box that uses GPS to track car usage. Again, not between 23:00 and 05:00www.adrian-flux.co.uk/young-drivers A broker 'specialising' in young drivers. No idea if they'll actually be cheaper.www.bbc.co.uk/blogs/theoneshow/2009/12/young-driver-insurance-how-to.shtml An article from the BBC One Show with a video about reducing premiums for young drivers - and a warning about "Fronting" where you are the policy holder but your child is the main driver.Hope this is of interest.LB Link to comment Share on other sites More sharing options...
trev Posted December 13, 2011 Author Report Share Posted December 13, 2011 Thanks for that bud.Gonna have a really good look at those gps boxes. Link to comment Share on other sites More sharing options...
RCS Posted December 14, 2011 Report Share Posted December 14, 2011 Thanks for that bud.Gonna have a really good look at those gps boxes.Just watch the hours and restrictions etc if she will be travelling at unsocial or late hours coming on or off shift. We ruled this out for our lad 2 years ago - now doing an Agriculture Degree and working in the summer he could be out at 5 am and back at 11pm .As an aside what was scary was he passes his driving test at 17, next day he's driving a socking great tractor legally on the road hauling a great load of beetroot in a trailer, but heavily restricted on what size of trailer he could pull behind a car as a 17 year old. Fortunately he's sensible and had loads of tractor hours on private farm roads, but shows how silly our licencing laws are. Link to comment Share on other sites More sharing options...
DHT Posted December 30, 2011 Report Share Posted December 30, 2011 Don't want to depress anyone still further, but I don't now seem to be able to insure my son! He's now 18 and at uni. He was insured to learn at 17, passed first time and after that was insured in the car until he went to uni, at which point I took him off the insurance. When he came back I thought I'd add him as a temporary named driver over Christmas. But on trying to do this I find no one who will add him. Even tried the "day insurance" providers, but again with no success. i just mention this by way of warning. God only knows what will happen when my daughter turns 17 next year. Surely the government needs to do something about this. It's compulsory to have insurance but it's not compusory for insurers to provide it. The government should make it compulsory for all insurers to have to have a certain percentage of their "book" as young drivers - that would at least force some competition into the market place. Link to comment Share on other sites More sharing options...
trev Posted December 30, 2011 Author Report Share Posted December 30, 2011 What does the future hold..?!Loads of drivers who are in their 20's never having held insurance because they can't afford it.! Link to comment Share on other sites More sharing options...
Andy526rt Posted December 30, 2011 Report Share Posted December 30, 2011 Just out of interest, decided to get a quote for my son who still has a few years to go before I unleash him onto the public roads.... Got a quote of £6900 on a 1.0 corsa via confused.com. But that was overshadowed by the £44,000 annual insurance quote to put him on the boxster!! Link to comment Share on other sites More sharing options...
Boxob Posted December 30, 2011 Report Share Posted December 30, 2011 Don't want to depress anyone still further, but I don't now seem to be able to insure my son! He's now 18 and at uni. He was insured to learn at 17, passed first time and after that was insured in the car until he went to uni, at which point I took him off the insurance. When he came back I thought I'd add him as a temporary named driver over Christmas. But on trying to do this I find no one who will add him. Even tried the "day insurance" providers, but again with no success. i just mention this by way of warning. God only knows what will happen when my daughter turns 17 next year.Surely the government needs to do something about this. It's compulsory to have insurance but it's not compusory for insurers to provide it. The government should make it compulsory for all insurers to have to have a certain percentage of their "book" as young drivers - that would at least force some competition into the market place.what car were you trying to add him to? Link to comment Share on other sites More sharing options...
helmutlaang Posted January 7, 2012 Report Share Posted January 7, 2012 And the next set of ideas right along here based on a Google search of "Car insurance +young +tracker"...www.coverbox.co.uk They install a Tracker and then the cost of the insurance seems (!) to be based on usage.www.quotelinedirect.co.uk/car/new-driver.asp Another version of the above scheme where you aren't allowed to drive between 23:00 and 05:00www.ikubeinsurance.com An installed box that uses GPS to track car usage. Again, not between 23:00 and 05:00www.adrian-flux.co.uk/young-drivers A broker 'specialising' in young drivers. No idea if they'll actually be cheaper.www.bbc.co.uk/blogs/theoneshow/2009/12/young-driver-insurance-how-to.shtml An article from the BBC One Show with a video about reducing premiums for young drivers - and a warning about "Fronting" where you are the policy holder but your child is the main driver.Hope this is of interest.LBI just got a quote on the coverbox site for the boxster.Currently I pay £411 FC.....£1936 was the result!!!!Maybe it's just aimed at younger drivers not old duffers like me. Link to comment Share on other sites More sharing options...
Araf Posted January 16, 2012 Report Share Posted January 16, 2012 Insurance companies like it if the youngster doesn't own the car, so have the car registered in your or your wife's name. It means that if you think your offspring is driving in a manner likely to cause an accident, then you'll take the keys away from them. For the first couple of years, take out a policy in your name, but with the your child as the main driver, and have a mileage cap on the policy.This should all make it a bit more bearable. Link to comment Share on other sites More sharing options...
bencarroll1992 Posted January 31, 2012 Report Share Posted January 31, 2012 Hi guys! I'm new to the forums, just bought my first Boxster on Sunday. I'm only 19 with 1 Years NCB and insurance was £1300 Fully comp Link to comment Share on other sites More sharing options...
Menoporsche Posted January 31, 2012 Report Share Posted January 31, 2012 Hi Ben. We all hate you. Hope that helps Link to comment Share on other sites More sharing options...
BestGear Posted January 31, 2012 Report Share Posted January 31, 2012 Ka is group 2 insurance..Open to any suggestions for cheaper cars to insure....Peugeot 307 1.4Hdi is usually very, very low(sorry for swearing...) Link to comment Share on other sites More sharing options...
Menoporsche Posted February 13, 2012 Report Share Posted February 13, 2012 The average premiums for young drivers are £2,977 for a male and £1,682 for a female.http://www.guardian.co.uk/money/2012/feb/13/david-cameron-car-insurance-rules Link to comment Share on other sites More sharing options...
padboy Posted February 13, 2012 Report Share Posted February 13, 2012 Try Adrian Flux found them to be quite good compared to most. Link to comment Share on other sites More sharing options...
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