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Car insurance for young drivers
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Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k  |
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"The only other ones is coming back at nearly 9k "
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far 
its both laughable and pathetic. They seem to be able to change anything they like without regulation |
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"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation "
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured |
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"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured"
Could he use PAYG insurance? You just buy the amount of time you need when you need it.
Unfortunately young drivers are high risk, and having already had an accident would mark him as being even higher risk. Black-box linked policies bring the price down a bit, as does low use, and less desirable cars. |
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By *uga40Man 47 weeks ago
Hemel Hempstead |
"Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k "
hi put you on as a named driver may bring it down |
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"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured
Could he use PAYG insurance? You just buy the amount of time you need when you need it.
Unfortunately young drivers are high risk, and having already had an accident would mark him as being even higher risk. Black-box linked policies bring the price down a bit, as does low use, and less desirable cars."
He does already have a black box.
i've only been driving for a couple of months. His accident was last april, early in the month. If he waited til after that date would it make a difference because of it being over a year?? |
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"Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k "
Named driver on your policy? |
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By *orny-DJMan 47 weeks ago
Leigh-on-Sea |
"Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k hi put you on as a named driver may bring it down"
It doesn't as the premium will be based on the driver of the highest risk and especially if they are the main driver.
Also, forget any ideas of insuring the car in your name with him as a named driver as, if the insurance company finds out he's the main driver, they'll void the policy |
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"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured
Could he use PAYG insurance? You just buy the amount of time you need when you need it.
Unfortunately young drivers are high risk, and having already had an accident would mark him as being even higher risk. Black-box linked policies bring the price down a bit, as does low use, and less desirable cars.
He does already have a black box.
i've only been driving for a couple of months. His accident was last april, early in the month. If he waited til after that date would it make a difference because of it being over a year??"
Not really as most insurer ask about any claims in the last 3 years.
I had someone go into my car overnight and not leave details so I had to get the work done on my own insurance and had it classed as an at fault so did next 3 years I had to declare it.
Currently on a 07' polo I still have quotes around the £950 mark and that's with 11 years protected NCD |
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"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured
Could he use PAYG insurance? You just buy the amount of time you need when you need it.
Unfortunately young drivers are high risk, and having already had an accident would mark him as being even higher risk. Black-box linked policies bring the price down a bit, as does low use, and less desirable cars."
Marmalade Works for my daughter we share a car in the UK and after each trip with log on and say who was driving its counts the miles Of her trips and knocks of the balance
With the black box fitted an excellent driving history I think it’s down to about 19p per mile now |
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"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured
Could he use PAYG insurance? You just buy the amount of time you need when you need it.
Unfortunately young drivers are high risk, and having already had an accident would mark him as being even higher risk. Black-box linked policies bring the price down a bit, as does low use, and less desirable cars.
Marmalade Works for my daughter we share a car in the UK and after each trip with log on and say who was driving its counts the miles Of her trips and knocks of the balance
With the black box fitted an excellent driving history I think it’s down to about 19p per mile now "
have tried marmalade. they couldn't even give a quote |
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By *uga40Man 47 weeks ago
Hemel Hempstead |
"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured
Could he use PAYG insurance? You just buy the amount of time you need when you need it.
Unfortunately young drivers are high risk, and having already had an accident would mark him as being even higher risk. Black-box linked policies bring the price down a bit, as does low use, and less desirable cars.
He does already have a black box.
i've only been driving for a couple of months. His accident was last april, early in the month. If he waited til after that date would it make a difference because of it being over a year??"
how about his dad going on as a named driver |
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"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured
Could he use PAYG insurance? You just buy the amount of time you need when you need it.
Unfortunately young drivers are high risk, and having already had an accident would mark him as being even higher risk. Black-box linked policies bring the price down a bit, as does low use, and less desirable cars.
He does already have a black box.
i've only been driving for a couple of months. His accident was last april, early in the month. If he waited til after that date would it make a difference because of it being over a year?? how about his dad going on as a named driver"
his dad doesn't drive |
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By *orny-DJMan 47 weeks ago
Leigh-on-Sea |
"Could you insure the car in your name then add him as an additional driver?"
As I mentioned above, this is a very bad idea as, if the insurer work out that it's his car and he's the main driver, they'll void the policy. |
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By (user no longer on site) 47 weeks ago
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"Could you insure the car in your name then add him as an additional driver?"
I do believe the op has not been driving for mor then a few months.
As mentioned if you can get an older and experienced driver to go in as a named driver - and obvs they will drive the car this may help.
In many cases full coverage is cheaper than 3rd party fire and theft.
Is his car a bit sporty/-powerfull? (I'm guessing its likely not) then getting a 1 litre/low power car. This is of course a mighty faff.
It may be worth trying a different address and seeing if it makes any difference. Obviously it will need to be kept there for thr insurance to be valid etc but jt may make a huge difference. |
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By *uga40Man 47 weeks ago
Hemel Hempstead |
"The only other ones is coming back at nearly 9k
No advice from us unfortunately, we are in a similar position and £8k is our best..£24k was our worst …so far
its both laughable and pathetic. They seem to be able to change anything they like without regulation
Its absolutely ridiculous. He lives on base an hour away from me, he has a girlfriend and young baby who he might not be able to see now because he can't get his car insured
Could he use PAYG insurance? You just buy the amount of time you need when you need it.
Unfortunately young drivers are high risk, and having already had an accident would mark him as being even higher risk. Black-box linked policies bring the price down a bit, as does low use, and less desirable cars.
He does already have a black box.
i've only been driving for a couple of months. His accident was last april, early in the month. If he waited til after that date would it make a difference because of it being over a year?? how about his dad going on as a named driver
his dad doesn't drive"
is there anyone else in family that drives grandad or uncle or brother |
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"Could you insure the car in your name then add him as an additional driver?
I do believe the op has not been driving for mor then a few months.
As mentioned if you can get an older and experienced driver to go in as a named driver - and obvs they will drive the car this may help.
In many cases full coverage is cheaper than 3rd party fire and theft.
Is his car a bit sporty/-powerfull? (I'm guessing its likely not) then getting a 1 litre/low power car. This is of course a mighty faff.
It may be worth trying a different address and seeing if it makes any difference. Obviously it will need to be kept there for thr insurance to be valid etc but jt may make a huge difference."
I’ve been driving for 3 years.
Unfortunately no one else in the family drives except his big brother and he’s had his license less than a year lol.
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By *uga40Man 47 weeks ago
Hemel Hempstead |
"Could you insure the car in your name then add him as an additional driver?
I do believe the op has not been driving for mor then a few months.
As mentioned if you can get an older and experienced driver to go in as a named driver - and obvs they will drive the car this may help.
In many cases full coverage is cheaper than 3rd party fire and theft.
Is his car a bit sporty/-powerfull? (I'm guessing its likely not) then getting a 1 litre/low power car. This is of course a mighty faff.
It may be worth trying a different address and seeing if it makes any difference. Obviously it will need to be kept there for thr insurance to be valid etc but jt may make a huge difference.
I’ve been driving for 3 years.
Unfortunately no one else in the family drives except his big brother and he’s had his license less than a year lol.
"
put you on it unless you have had an accident do it on a comparrison site and see how it comes out |
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By *eavenNhellCouple 47 weeks ago
carrbrook stalybridge |
Try buying an old family car nothing sporty or flash can work out easier and cheaper to insure for young/new driver .friends son went from an mx5 he was finding near impossible to insure to an old saab 93 saved over a thousand on his previous quotes |
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"Can't help much with insurance, though wondered if short term car hiring might help? "
Generally, they won't rent to under 25s
There are some leasing deals which include insurance. It "could" be cheaper to lease a new car including insurance than it is to insure his own car.
Cal |
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By *athuilMan 47 weeks ago
up north |
I bought my son a Hyundai i10 as its group 1 and it got parked up for 2 years. Same time he was named on one of my cars so he could get about but was also building some ncb himself. Car and insurance all in cost about £3k for the first year, £2.5k year 2
Insurance companies can do what they want, it’s a terrible system they operate |
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My friend & I were doing quotes for our 17 year olds yesterday. 1 girl, 1 boy. Very different results feeling in who owned the car, who was main driver etc.. my friend is changing her daughter’s 14 plate mini into her own name but having daughter as main driver & her & hubby as named drivers. My son’s is cheapest with car in his own name, him as main driver & me as a named driver.
Check out Martin Lewis money saving expert website for the order of comparison sites you should use. Also clear cookie history. I would say try tweaking occupation too - mine reduced quite a bit doing this
J x |
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"Are you going fully comp or 3 party?
What car is he driving ?
How big was the accident ? Assume it was a claim ?"
He’s looking at fully comp.
He crashed his car into a ditch. No other cars involved. This one is a Skoda Octavia |
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"My friend & I were doing quotes for our 17 year olds yesterday. 1 girl, 1 boy. Very different results feeling in who owned the car, who was main driver etc.. my friend is changing her daughter’s 14 plate mini into her own name but having daughter as main driver & her & hubby as named drivers. My son’s is cheapest with car in his own name, him as main driver & me as a named driver.
Check out Martin Lewis money saving expert website for the order of comparison sites you should use. Also clear cookie history. I would say try tweaking occupation too - mine reduced quite a bit doing this
J x "
There’s not really anything he can tweak for his job. He’s a soldier. His car is parked on base all the time except for when he’s driving |
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By *gamnonMan 47 weeks ago
Kettering |
"Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k "
Try Colingwood or marmalade.com
If he doesn’t drive it very often might be worth checking zoomcover (they specialise on short term policies
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"My friend & I were doing quotes for our 17 year olds yesterday. 1 girl, 1 boy. Very different results feeling in who owned the car, who was main driver etc.. my friend is changing her daughter’s 14 plate mini into her own name but having daughter as main driver & her & hubby as named drivers. My son’s is cheapest with car in his own name, him as main driver & me as a named driver.
Check out Martin Lewis money saving expert website for the order of comparison sites you should use. Also clear cookie history. I would say try tweaking occupation too - mine reduced quite a bit doing this
J x
There’s not really anything he can tweak for his job. He’s a soldier. His car is parked on base all the time except for when he’s driving "
My brother was the same but put engineer which is what he was training as - he was up & down from Catterick most weekends |
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"My friend & I were doing quotes for our 17 year olds yesterday. 1 girl, 1 boy. Very different results feeling in who owned the car, who was main driver etc.. my friend is changing her daughter’s 14 plate mini into her own name but having daughter as main driver & her & hubby as named drivers. My son’s is cheapest with car in his own name, him as main driver & me as a named driver.
Check out Martin Lewis money saving expert website for the order of comparison sites you should use. Also clear cookie history. I would say try tweaking occupation too - mine reduced quite a bit doing this
J x
There’s not really anything he can tweak for his job. He’s a soldier. His car is parked on base all the time except for when he’s driving
My brother was the same but put engineer which is what he was training as - he was up & down from Catterick most weekends "
Catterick is where my son is at and he drives back to Leicester most weekends as well as going off base in the evenings to socialise with his friends |
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By (user no longer on site) 47 weeks ago
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How is he finding quotes? I used compare the market to find an insurance company when I passed and when I swapped companies, it will give you lots of different quotes and they will change daily.
Since he's not been driving long he'll probably have to keep having a black box or some sort of telematics if he wants to keep costs down
I'm with Aviva at the moment, no black box and not even a clean licence but around £1000 annually for a 66 plate, 4 years no claims.
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"How is he finding quotes? I used compare the market to find an insurance company when I passed and when I swapped companies, it will give you lots of different quotes and they will change daily.
Since he's not been driving long he'll probably have to keep having a black box or some sort of telematics if he wants to keep costs down
I'm with Aviva at the moment, no black box and not even a clean licence but around £1000 annually for a 66 plate, 4 years no claims.
"
He’s tried as many sites as he can find and also called some but no one is prepared to insure him |
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"Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k "
leave the army. |
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"Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k leave the army."
I wish. |
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By (user no longer on site) 47 weeks ago
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Black box and limited miles could bring it down
Just watch don’t go over the speed limit or mile range they wack you for a premium for ever mile over and ever time over the speed limit |
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By (user no longer on site) 47 weeks ago
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Also here is a way to get dirt cheap insurance by the time someone 18
at the age off 16 you can drive a 125 moterbike on a cbt so go though the cbt and get a bike don’t drive it and make sure the company deals with car and bikes
When they turn 17 put them though they test and wait till they turn 18 before buying a car
Keep paying the 125 bike insurance
Ones 18 buy a car and phone up and cancel the bike insurance but tell them your take out car insurance
You all ready have 2 years no clames bonus and shown that you been able to drive on the road from the age off 16 without a clame
Boom dirt cheap insurance for the age |
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I have just gone through the insurance process with my daughter. 2010 polo £3500 to insure with myself as a named driver. Cheapest car to insure was a Hyundai i10. So 2009 I10 was £2500. Just as a comparison I checked as I was offered a 2021 I10 for a good price. Insurance fully comp in her name with myself as a named driver -£1200. It’s due to the ADAS function in near cars! i opted for the newer car with cheaper insurance (17 years old daughter) |
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"Are you going fully comp or 3 party?
What car is he driving ?
How big was the accident ? Assume it was a claim ?
He’s looking at fully comp.
He crashed his car into a ditch. No other cars involved. This one is a Skoda Octavia "
I think that the car will be a BIG factor in this. Insurance companies put cars into "Insurance Groups" from 1 to 50 relating to their risk levels. The Skoda Octavia ranges from Group 13 for some of the 1 litre versions to 24 for the sportier versions.
Insurance group 1 cars will be the cheapest to insure, there are not many though. Some versions of Citreon C1, Ford Ka, Fiat Panda, Hyundai i10, Nisan Micra, Skoda Fabia, Vauxhall Corsa, and VW Polo, are in group 1... but there are loads more cars that are in group 4-6, which would all be cheaper to insure.
Ultimately, sportier models are higher risk, as they go hand in hand with speed and laddish driving practices. Smaller, less powerful (and less flash) cars are the opposite end of the risk factor, so cheaper to insure.
Cal |
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"Are you going fully comp or 3 party?
What car is he driving ?
How big was the accident ? Assume it was a claim ?
He’s looking at fully comp.
He crashed his car into a ditch. No other cars involved. This one is a Skoda Octavia
I think that the car will be a BIG factor in this. Insurance companies put cars into "Insurance Groups" from 1 to 50 relating to their risk levels. The Skoda Octavia ranges from Group 13 for some of the 1 litre versions to 24 for the sportier versions.
Insurance group 1 cars will be the cheapest to insure, there are not many though. Some versions of Citreon C1, Ford Ka, Fiat Panda, Hyundai i10, Nisan Micra, Skoda Fabia, Vauxhall Corsa, and VW Polo, are in group 1... but there are loads more cars that are in group 4-6, which would all be cheaper to insure.
Ultimately, sportier models are higher risk, as they go hand in hand with speed and laddish driving practices. Smaller, less powerful (and less flash) cars are the opposite end of the risk factor, so cheaper to insure.
Cal"
Yeah exactly this.
I just bought a 12 year old estate car and it’s only group 12. Lower groups don’t always mean lower insurance but it is a good rough guide.
An older well maintained car will do him perfectly well. My previous car of the same age and type was doing me just fine to drive me all over the country for work.
I’d always rather have an older, cheaper workhorse car with good AA coverage than pay through the nose for insurance and a fancier new car! I had a huge accident just over a decade ago which affected my insurance for a very long time so I feel some of his pain. |
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Also worth pointing out that the *type* of car can really affect the insurance.
In my experience it’s almost always cheaper to insure an estate car than a hatchback, saloon, or suv. Even when you’re looking at desirable performance cars - for instance the Subaru Impreza is many times more expensive to insure than an otherwise identical Forrester - the latter is the estate version (less likely to be driven like a rally car than the Impreza).
Hatchbacks are more likely to be driven by young inexperienced or racey types but also by parents in a car with children who may distract them.
Saloons are still more likely to be used for executive travel - long drives with lots of miles.
He’s in the army, it would be super practical to get an older estate car. Honestly, you may find it surprisingly cheap to insure because he’s unlikely to drive it like a dick (but they’re pretty affordable to run, and great for lugging stuff from posting to posting). |
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"Just have to pay that's the shit life style we've been forced into .when I was 19 I was paying 3.5k a year for my golf VR6"
Pay what? £9,000??? How much do you think the army pay that he can pay that much for his insurance as well as support his girlfriend and baby.
He’s literally not getting anything else quotes. They’re all saying unable to offer a quote |
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"Just have to pay that's the shit life style we've been forced into .when I was 19 I was paying 3.5k a year for my golf VR6
Pay what? £9,000??? How much do you think the army pay that he can pay that much for his insurance as well as support his girlfriend and baby.
He’s literally not getting anything else quotes. They’re all saying unable to offer a quote "
Then he may have to sell the car and invest in a 16-25 railcard. |
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By (user no longer on site) 47 weeks ago
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He needs to get down to the MT section or ask his management to arrange an advanced driver course for him, the military put them on regularly so he just needs putting forward for it. That should drop it a fair bit and then he could contact a specialist military insurer who has negotiated discounts with the big insurers for military personnel. Good luck. |
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"Just have to pay that's the shit life style we've been forced into .when I was 19 I was paying 3.5k a year for my golf VR6
Pay what? £9,000??? How much do you think the army pay that he can pay that much for his insurance as well as support his girlfriend and baby.
He’s literally not getting anything else quotes. They’re all saying unable to offer a quote "
It's all about risk. You've said he's already had one accident, and he's only 19. His job, type of car and age profiling will go against him.
I know it seems unfair, but the insurance company will see him as high risk. Mitigation can be had by having a black box fitted, having additional lessons, to be come an advanced driver, and changing car for something lower powered.
I understand your frustration, but that's the facts, unfortunately  |
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If the girlfriend can drive. Perhaps she could pick him up and drop him? Her insurance might be cheaper?
But then when he decides it's time to have his own car again. With no, no claims discounts. His insurance will be mega again. Swings and roundabouts it seems. |
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"Just have to pay that's the shit life style we've been forced into .when I was 19 I was paying 3.5k a year for my golf VR6
Pay what? £9,000??? How much do you think the army pay that he can pay that much for his insurance as well as support his girlfriend and baby.
He’s literally not getting anything else quotes. They’re all saying unable to offer a quote
It's all about risk. You've said he's already had one accident, and he's only 19. His job, type of car and age profiling will go against him.
I know it seems unfair, but the insurance company will see him as high risk. Mitigation can be had by having a black box fitted, having additional lessons, to be come an advanced driver, and changing car for something lower powered.
I understand your frustration, but that's the facts, unfortunately "
He does have another car as well. A fabia but that one is coming out more expensive |
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"If the girlfriend can drive. Perhaps she could pick him up and drop him? Her insurance might be cheaper?
But then when he decides it's time to have his own car again. With no, no claims discounts. His insurance will be mega again. Swings and roundabouts it seems."
Unfortunately she doesn’t drive either and she can’t move on base to be near him cos she’s at uni |
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"Just have to pay that's the shit life style we've been forced into .when I was 19 I was paying 3.5k a year for my golf VR6
Pay what? £9,000??? How much do you think the army pay that he can pay that much for his insurance as well as support his girlfriend and baby.
He’s literally not getting anything else quotes. They’re all saying unable to offer a quote
It's all about risk. You've said he's already had one accident, and he's only 19. His job, type of car and age profiling will go against him.
I know it seems unfair, but the insurance company will see him as high risk. Mitigation can be had by having a black box fitted, having additional lessons, to be come an advanced driver, and changing car for something lower powered.
I understand your frustration, but that's the facts, unfortunately
He does have another car as well. A fabia but that one is coming out more expensive "
Skoda Fabia is essentially a VW underneath, so they'll class it like that.
It seems he's tried everything to mitigate the risk so it's purely down to age and occupation.
How bad was the accident? |
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"Binning it in to a ditch is the problem. Not getting around that.
And why everybody else's is sky high because of the racing "
He wasn’t racing. He had my other son in the car who is a police man, there’s no way he’d have got away with racing, and he had his baby in the car.
It was a country road and it was heavily raining so he slipped when going round a corner |
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"Just have to pay that's the shit life style we've been forced into .when I was 19 I was paying 3.5k a year for my golf VR6
Pay what? £9,000??? How much do you think the army pay that he can pay that much for his insurance as well as support his girlfriend and baby.
He’s literally not getting anything else quotes. They’re all saying unable to offer a quote
It's all about risk. You've said he's already had one accident, and he's only 19. His job, type of car and age profiling will go against him.
I know it seems unfair, but the insurance company will see him as high risk. Mitigation can be had by having a black box fitted, having additional lessons, to be come an advanced driver, and changing car for something lower powered.
I understand your frustration, but that's the facts, unfortunately
He does have another car as well. A fabia but that one is coming out more expensive
Skoda Fabia is essentially a VW underneath, so they'll class it like that.
It seems he's tried everything to mitigate the risk so it's purely down to age and occupation.
How bad was the accident?"
It was just him, no other car involved. Ended up skidding on a wet road and the car flipped onto its side in the ditch |
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"Binning it in to a ditch is the problem. Not getting around that.
And why everybody else's is sky high because of the racing
He wasn’t racing. He had my other son in the car who is a police man, there’s no way he’d have got away with racing, and he had his baby in the car.
It was a country road and it was heavily raining so he slipped when going round a corner "
Oh, can your son not assist via his insurance? |
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"Binning it in to a ditch is the problem. Not getting around that.
And why everybody else's is sky high because of the racing
He wasn’t racing. He had my other son in the car who is a police man, there’s no way he’d have got away with racing, and he had his baby in the car.
It was a country road and it was heavily raining so he slipped when going round a corner
Oh, can your son not assist via his insurance? "
Police Mutual Assurance |
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"Binning it in to a ditch is the problem. Not getting around that.
And why everybody else's is sky high because of the racing
He wasn’t racing. He had my other son in the car who is a police man, there’s no way he’d have got away with racing, and he had his baby in the car.
It was a country road and it was heavily raining so he slipped when going round a corner
Oh, can your son not assist via his insurance? "
The other one has had his license even less time than the younger one. He’s not had his a year yet and he’s only 21 so still considered a young driver |
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Have you tried putting in reg plates of cars with smaller engines? It makes a huge difference as he’s a new driver with a claim already. He’s not going to be the only guy who mishandled a corner in bad weather. My brother did the same not long after he passed when he was 18. They factor in lack of experience when they do the quotes. Afterwards, he couldn’t get insurance on his car but got a few quotes on mine. They were still really expensive, but a lot more realistic |
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"It was a country road and it was heavily raining so he slipped when going round a corner "
I know that feeling. My brakes failed on a tight bend and I ended up going through a hedge into a ploughed field.
Sorry I can't help with any advice, and I think some people in this thread have been rather callous. Premiums for everyone have gone mad the last couple of years. |
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"Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k "
It is all about the risk you are to others on the road, you are either trusted or not, a push bike you are only a risk to yourself and no one else, two wheels = no insurance. |
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By (user no longer on site) 47 weeks ago
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Very informative post and thanks everyone for contributing.
Apart from a sex change, nothing else will bring down his premium. Even that may not help because insurance companies cannot discriminate based on sex. So, previously woman paid less than men, but now woman’s insurance gone up too.
From having friends/neighbours who were involved in accidents and how much the insurance companies had to pay out, I can see why it’s so high.
They are considering what risk he is to others. So least powerful car with box so that his driving is monitored.
Try going to a well established car insurance broker in a smaller town. It worked for me.
For regular drivers they are expensive, but for difficult customised cases, they are good. |
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"Very informative post and thanks everyone for contributing.
Apart from a sex change, nothing else will bring down his premium. Even that may not help because insurance companies cannot discriminate based on sex. So, previously woman paid less than men, but now woman’s insurance gone up too.
From having friends/neighbours who were involved in accidents and how much the insurance companies had to pay out, I can see why it’s so high.
They are considering what risk he is to others. So least powerful car with box so that his driving is monitored.
Try going to a well established car insurance broker in a smaller town. It worked for me.
For regular drivers they are expensive, but for difficult customised cases, they are good. "
Set up a motor trader bank account, then get motor trader insurance around 1.5k then he could drive anything. It ain't who you know it is what you know.
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"Very informative post and thanks everyone for contributing.
Apart from a sex change, nothing else will bring down his premium. Even that may not help because insurance companies cannot discriminate based on sex. So, previously woman paid less than men, but now woman’s insurance gone up too.
From having friends/neighbours who were involved in accidents and how much the insurance companies had to pay out, I can see why it’s so high.
They are considering what risk he is to others. So least powerful car with box so that his driving is monitored.
Try going to a well established car insurance broker in a smaller town. It worked for me.
For regular drivers they are expensive, but for difficult customised cases, they are good.
Set up a motor trader bank account, then get motor trader insurance around 1.5k then he could drive anything. It ain't who you know it is what you know.
"
Or ask a friendly motor trader or garage to put them on the policy. |
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"adrianflux
Maybe this company can help?
"
We tried this company as I need insurance that doesn't increase the premium or refuse to quote due to my disability adaptations. The prices quoted were obscene and the representatives rude and pushy. |
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Hey Gloomy, your son is a high risk driver due to his age, has a high risk occupation and his car is kept at a high risk area. He has already demonstrated what kind of a driver he is by driving into a ditch. Having a young child that he wants to come home to see bears no relevance to his risk as a driver.
Yes, insurance is stupidly high but your son is in a high rated category and there's not a lot you can do about his insurance price except look at the type of vehicle he's driving.
Provided he has no incidents his insurance should come down every year. Every one should shop around for new quotes every year and not simply renew with their existing insurers.
Frank |
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By (user no longer on site) 47 weeks ago
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Just researched and these are common points. Apologies if they have been suggested before.
All collated here.
Comparison Websites
Try insurance brokers (not agents)
Son as main driver and a parent as named driver
Lowest category car group, model and type
Black box
Insurance based on miles travelled
Direct Line and Churchill are not on comparison sites.
Fully comprehensive rather than 3rd party
Be honest in the application.
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"Have you tried putting in reg plates of cars with smaller engines? It makes a huge difference as he’s a new driver with a claim already. He’s not going to be the only guy who mishandled a corner in bad weather. My brother did the same not long after he passed when he was 18. They factor in lack of experience when they do the quotes. Afterwards, he couldn’t get insurance on his car but got a few quotes on mine. They were still really expensive, but a lot more realistic "
Agree that this is worth doing. Also get the policy to start in 3-4 weeks time, because that can make a big difference.
The only other advice I can add is to keep checking, their algorithms can change a lot and something that was expensive one week can be much cheaper (relatively) the next week. |
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By (user no longer on site) 47 weeks ago
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"adrianflux
Maybe this company can help?
We tried this company as I need insurance that doesn't increase the premium or refuse to quote due to my disability adaptations. The prices quoted were obscene and the representatives rude and pushy."
Not good at all, sorry to hear you had to endure that level of behaviour. You'd like to think they don't treat all their customers like that, otherwise they'd not have a business.
I don't know them from Adam, simply googled for OP in the hope there maybe a company out there she'd not already tried. Company profile read well.
Hoping OP will have better luck. |
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By (user no longer on site) 47 weeks ago
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Adrian Flux top competitors include Carole Nash Insurance Consultants Ltd, Endsleigh, Swinton Group Ltd, Hastings Direct. What industry does Adrian Flux belongs to? Adrian Flux is in the industry of Insurance.
Check out similarweb.com which helps indicate top ten competitors list of insurance companies.
Some you may've already tried, others maybe not.
Good-luck OP |
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I wrote my car off in November last year after 20 odd years driving, I searched for cars based on their insurance group. as much as I wanted a Audi the insurance group was far too high so I ended up with a Seat Leon which I insured for £850 (very lucky). trouble with some young or new drivers is they want flashy fast cars these are expensive to insure, as others have said insurers see new/young drivers as a high chance of having an accident.
The best advice I can give is look for a car that's low engine and low BHP, hi BHP means faster means more likely a serious accident.
Next a named driver even a inexperienced driver might help lower a bit, also a less fashionable car would help and VW is desirable whereas a Nissan Micra isnt. Another trick is a car that if written off into a ditch or wrapped around a post he can just scrap and not make a claim on might help as he can the add a voluntary excess as high as he wants to lower the cost. |
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By (user no longer on site) 47 weeks ago
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"I wrote my car off in November last year after 20 odd years driving, I searched for cars based on their insurance group. as much as I wanted a Audi the insurance group was far too high so I ended up with a Seat Leon which I insured for £850 (very lucky). trouble with some young or new drivers is they want flashy fast cars these are expensive to insure, as others have said insurers see new/young drivers as a high chance of having an accident.
The best advice I can give is look for a car that's low engine and low BHP, hi BHP means faster means more likely a serious accident.
Next a named driver even an inexperienced driver might help lower a bit, also a less fashionable car would help and VW is desirable whereas a Nissan Micra isnt. Another trick is a car that if written off into a ditch or wrapped around a post he can just scrap and not make a claim on might help as he can the add a voluntary excess as high as he wants to lower the cost. "
In relation to Audi, etc. insurance is high because of theft. Sold abroad or used for criminal activity. Being quick helps them to escape. |
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"Any advice?
My son is 19, had one accident a year ago and is now finding it impossible to get car insurance. He's in the army, his car is kept on base at all times except when he's driving it.
He found one insurer that gave him a quote but then right at the last minute after he'd put in all his payment details, it refused him.
The only other ones is coming back at nearly 9k leave the army.
I wish. "
all goverment jobs are analysed by a pschyciatrist....insurance companies have opinions of who they want to insure...? |
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"I wrote my car off in November last year after 20 odd years driving, I searched for cars based on their insurance group. as much as I wanted a Audi the insurance group was far too high so I ended up with a Seat Leon which I insured for £850 (very lucky). trouble with some young or new drivers is they want flashy fast cars these are expensive to insure, as others have said insurers see new/young drivers as a high chance of having an accident.
The best advice I can give is look for a car that's low engine and low BHP, hi BHP means faster means more likely a serious accident.
Next a named driver even a inexperienced driver might help lower a bit, also a less fashionable car would help and VW is desirable whereas a Nissan Micra isnt. Another trick is a car that if written off into a ditch or wrapped around a post he can just scrap and not make a claim on might help as he can the add a voluntary excess as high as he wants to lower the cost. "
You have to tell your insurer that you are scrapping a car. The answer "I just didn't like it anymore" isn't going to wash. You are supposed to tell your insurer if any damage happens to your insured vehicle, even if you don't intend to make a claim. |
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"I wrote my car off in November last year after 20 odd years driving, I searched for cars based on their insurance group. as much as I wanted a Audi the insurance group was far too high so I ended up with a Seat Leon which I insured for £850 (very lucky). trouble with some young or new drivers is they want flashy fast cars these are expensive to insure, as others have said insurers see new/young drivers as a high chance of having an accident.
The best advice I can give is look for a car that's low engine and low BHP, hi BHP means faster means more likely a serious accident.
Next a named driver even a inexperienced driver might help lower a bit, also a less fashionable car would help and VW is desirable whereas a Nissan Micra isnt. Another trick is a car that if written off into a ditch or wrapped around a post he can just scrap and not make a claim on might help as he can the add a voluntary excess as high as he wants to lower the cost.
You have to tell your insurer that you are scrapping a car. The answer "I just didn't like it anymore" isn't going to wash. You are supposed to tell your insurer if any damage happens to your insured vehicle, even if you don't intend to make a claim. "
This is from a website for a scrappage company:- It's best to keep your insurer notified throughout the process, but you don't technically have to tell them immediately – it will just mean that you continue to pay insurance for a vehicle that you no longer drive (and which no longer exists).
I didn't when I scrapped my old car in the days of the scrappage scheme. What if you just leave your insurance to lapse without telling the insurance? Once the V5 is sent to the DVLA the car is no longer the insurance company's issue.
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"
In relation to Audi, etc. insurance is high because of theft. Sold abroad or used for criminal activity. Being quick helps them to escape. "
Exactly my point a desirable car is a high risk of theft and as much as a Skoda isn't an Audi it still has Audi parts and near enough the same engine same as a Seat, that makes them a bit more desirable, where as a Nissan Micra for example are less desirable thus their insurance group is lower. |
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