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Just passed Driving test - insurance.....

Discussion in 'Motors' started by TDK, 15 Aug 2006.

  1. TDK

    Hitman

    Joined: 16 Jun 2003

    Posts: 911

    Location: London

    hey, I just passed my driving test today :) (2nd attempt) and im 17. Can anyone recomend the cheapest insurance company for young drivers??, ive been ringing around for a quote on a BMW 318i to be a named driver on my dads policy but it seems that the insurance companies are not allowing for young drivers to be put on this anymore: is this the case for all insurance companies ?????? Thanks alot for the help :)
     
  2. Luseac

    Mobster

    Joined: 23 Jun 2005

    Posts: 3,751

    Location: York

    Directline were good for me, and if your a named driver you can earn your own no claims.
     
  3. paradigm

    Caporegime

    Joined: 26 Aug 2003

    Posts: 36,729

    Location: Staffordshire

    That are only valid with direct line, who ultimately will be more expensive in future than pretty much anyone else ;)

    False economy, insurance under your own name will ALWAYS be more beneficial.
     
  4. Siliconslave

    Man of Honour

    Joined: 11 Dec 2002

    Posts: 10,144

    Location: Darkest Norfolk

    and more legal - if your claiming to be a secondary driver when in reality your the main one you'll be commiting fraud....
     
  5. Sone

    Sgarrista

    Joined: 18 Oct 2002

    Posts: 7,671

    just ring around, insurance companys are pretty thick in my experiance. The policy at work says i can't drive high value or high performance vehicles, such as a directors 318i.

    But its and S-reg so its the lowest value and slowest vehicle still on the fleet. (company wouldent give him another BMW, so he stuck with it. Caved in now and he's getting a 320d)
     
  6. JRS

    Capodecina

    Joined: 6 Jun 2004

    Posts: 16,806

    Location: Burton-on-Trent

    If it's against the Ts and Cs of your insurance. Not always the case, but mostly is I'll grant you.
     
  7. Avalon

    Soldato

    Joined: 29 Dec 2002

    Posts: 6,485

    99% of the time they cover themselves with the T&C's (that's why you are a secondary driver and not a primary) I only know of one Irish one who don't. Admiral (aka Bell, Sheila's Wheels and whatever other dodgy brands they've come up with this week) always seemed to come out cheeaper for me but check confused.com then call up the best five quotes and see what you can screw out of them! Remember adding a older female driver can bring the quote down in some cases so always try that and see if it will help!
     
  8. Luseac

    Mobster

    Joined: 23 Jun 2005

    Posts: 3,751

    Location: York

    Well elephant/admiral etc all wanted silly money for my focus, Directline wanted £1600 (although that is with a fair bit of discount ;) )

    Can't really argue with that.
     
  9. triggerthat

    Soldato

    Joined: 26 Aug 2005

    Posts: 6,870

    Location: London

    I found barclays great for me. Go on confused.com
     
  10. YoungBlood

    Wise Guy

    Joined: 19 Feb 2006

    Posts: 1,920

    Location: West Mids

    Have to put another vote in for direct line here. While still not "cheap" @ £1700 to insure a basic 1.4 Escort at 17, they were the cheapest, and I did alot of ringing around that day lol.
     
  11. Slackworth

    Capodecina

    Joined: 17 Oct 2002

    Posts: 10,026

    Location: Stoke

    Norwich Union have been best for me two years in a row. Have you done Pass Plus?
     
  12. 50/50

    PermaBanned

    Joined: 24 Jul 2003

    Posts: 2,585

    Lots of people (including me) are named drivers for the first few years (until you are 19-20) and then take out your own insurance.
    Trying to insure any car at 17-18 is a joke. Im 20, and ive only recently got my own insurance. If I tried to get my current car insured at 17, it would have cost me over £2000, now it costs £700, which is just about bareable. Im with Elephant, and I find them the cheapest after some time spent tweaking the online quote.

    Im not going to bore you with the legality lecture, because there are a lot of other much worse things you could be doing than trying to save money from a system that is screwing you over.
     
  13. rG-tom

    Sgarrista

    Joined: 27 Nov 2004

    Posts: 9,743

    Location: London

    directline don't tend to care if you're main or named driver, i'm main driver on my dad's policy on my car, using his NCB. I've done a few "future" checks and they still come out cheapest, and tbh i couldnt afford any car on my own policy now, so the "it'll be cheaper in the future" thing becomes redundant :) At 17, i was looking at the wrong side of £2.5k for my 2L mondeo, with dad as policy holder but me as main driver it was £1050.

    Tom.
     
  14. R0B75

    Soldato

    Joined: 15 Aug 2003

    Posts: 5,754

    Location: Derby

    If you go named on the insurance, as I and many others do to save money, the Insurance company would have a hard time proving you drive the car more often than the policy holder. So with that im mind I don't see the problem. Being a named driver on my own car (registered owner is the missus and ther policy holder) costs me less than half of what it should to insure if I was the policy holder.
     
  15. kamineko

    Associate

    Joined: 4 Aug 2003

    Posts: 18

    Location: Peterborough

    Another vote for Norwich Union, they have always been far cheaper for me than anyone else.

    Even after 2 years of driving they still come up £300 cheaper than the nearest quote.

    (btw doing pass plus knocked off about £700 from my first insurance quote, it was originally £2000 for a 1.1 metro :eek: )
     
  16. Sirrel Squirrel

    Sgarrista

    Joined: 5 Aug 2003

    Posts: 7,884

    Location: Essex

    Try the company I'm insured with, very cheap for me, they're called GSI Insurance, give them a call on 01227 773067
     
  17. Tesla

    Capodecina

    Joined: 19 Jan 2003

    Posts: 17,410

    Location: Bristol, UK

    Likewise except I used moneysupermarket.com to find my quote.

    Last year I paid £2200 with Asda on my Mondeo Ghia X.
     
  18. Slackworth

    Capodecina

    Joined: 17 Oct 2002

    Posts: 10,026

    Location: Stoke

    Depends how much it was costing them. If it was huge numbers of money then they could simply check with work/colleges etc.

    If you're on your first policy then do PP. It'll save you a fortune.
     
  19. Chris1712

    Sgarrista

    Joined: 29 Jul 2004

    Posts: 9,363

    Location: Somerset

    Norwich Union were cheapest for me in the first year, and Admiral are now. Do Pass Plus it makes a massive difference. I would recommend doing it anyway, motorway experience is worth it alone.
     
  20. Sirrel Squirrel

    Sgarrista

    Joined: 5 Aug 2003

    Posts: 7,884

    Location: Essex

    Call the company in my post, I used to be with Admiral, who quoted me £800 for renewal and everyone else came up with that price except GSI who quoted me £550, that's with alloy wheels decleared too.