ADUK Archive

Anyone know whats cheap to insure.

Other halfs bro is getting quoted 2700 for a 03 fiesta 1250

Not cool for a seventeen year old lad, but Nissan Micras are probably a good bit cheaper than a Fiesta to insure. 1.2 Corsas seem to be quite popular with young lads around here. Whether that's indicative of the cost of insurance on Corsas, I know not. I would stay clear of Citroen Saxos as they seem to be expensive to insure.

My advice would be to go online and get quotes for a variety of small engined cars with different companies.

Does he have Pass Plus, as that can make a difference, although not as much as it used to, but insurance companies do differ in the discounts offered for Pass Plus. Worth checking out though.

Consider some more unusual cars that don't usually appeal to youngsters. Volvo's (eg 240, 340 etc), possibly even something random like an Omega? Because youngsters don't usually drive them, the crash statistics (and therefore insurance premiums) may not be as bad as the insurance group would suggest.

Ford KA is alledgedly the cheapest smallest car to insure.
Stephen

Thanks for the replies:

Problem being is he is willing to work at sainsburys part time and earn 336 a month and pay £300 just to have a 1250 03 with st spoiler. Can't get it into his head how boonkers that is and he wont have any cash for driving. He is learning at the moment so not passed. He is 17 and thinks he knows everything.

He is seriously vain, won't be seen shopping with his mother and buys designer everything and insists that his hair must grow down his face into his eyes.

He likes 206s' and fiesta mk6. Found a website that sighted the following as cheap

205, renault 5 and fiat sceinto which he turned his nose up to.

Can't see him getting a 340 volvo or omega.


jont: is it calculated based on how many crashes that car has been involved i?

He has been getting quotes for over a year and he says the fiesta has gone from 1800 to 2700!

There must be some bonkers parents out there as i see 18 yr olds with fiesta st's and 17 in brand new polos!

Where you've got lads in (relatively) decent cars, I would suggest it's either mum or dad's, that mum or dad is doing the insurance or it isn't insured.

Interestingly, I was investigating insurance for my (soon to be 17) daughter a few weeks ago. For a 3 y.o. Seat Ibiza 1.2 (apparently group 2), the cheapest quote was just under £800 with her parents as named drivers. If I insured it with her as a named driver (but with no no claims bonus) it was nearly £600.

I also managed to get a quote that was more than the cost of the car

However, after the Daily Mail's rant over a lad being quoted £17k, I should be grateful I've only got daughters.

jbsportstech wrote:jont: is it calculated based on how many crashes that car has been involved i?

He has been getting quotes for over a year and he says the fiesta has gone from 1800 to 2700!

If he's getting /many/ quotes, he should be careful. Some insurers will do a credit check as part of the quotation process. AIUI, multiple checks can be recorded on your credit record and count adversely against you, so ironically shopping around for insurance quotes costs you more. If one was simply shopping around, one could try using other houses in the same street for an address and perhaps a different name? Obviously any errors would have to be corrected prior to accepting the quote.

Also make sure he doesn't end up "fronting" insurance. While many are tempted into this thinking it's a money saver, if you actually end up needing to claim you may find yourself uninsured and prosecuted for insurance fraud.

Lads certianly pay more.

When my partner 17 i got her a 1.3 fiesta p reg with both of us on it it was 700 quid i was 21 i added 30 a year. At the same time a lad had a citroen ax 1.1 and was paying 1400.

I have two girls but what i save on the first car insurance I may have to pay out in shoes and sanitary products lol.

Angus wrote:I also managed to get a quote that was more than the cost of the car

Not surprising when you think the potential for high 3rd party payouts...imagine a crash where they are seriously injured...possibly disabled for life...payouts for several £m are not unusual.

Boys pay more because they are a seriously higher risk. I believe the biggest single killer of young girls is their boyfriend.

One observer on my IAM group recently taught his 17-year old son to drive and then tried to get cover for him on an old 1.4 Escort (unmodified). His insurers wanted a £7,000 premium. No, that is not a typo. £7,000.

The best course for IAM members is probably to contact IAM Surety insurance before the youngster buys a car. They will advise in advance on the most suitable models. Incidentally, IAM Surety have now lowered their minimum age limit to 19 years, but a) the driver must have passed the IAM test at least one year before applying and b) the car must be no hgher than Group 28.

Badger wrote:........b) the car must be no hgher than Group 28.

I thought you did a little typo, but no!
My car is now Group 38!!

I think it's called inflation . . .

jont wrote:Consider some more unusual cars that don't usually appeal to youngsters. Volvo's (eg 240, 340 etc), possibly even something random like an Omega? Because youngsters don't usually drive them, the crash statistics (and therefore insurance premiums) may not be as bad as the insurance group would suggest.

jbsportstech wrote:
He is seriously vain, won't be seen shopping with his mother and buys designer everything

Mercedes???

An older one, maybe a 190E/C-Class.

christopherwk wrote:Mercedes???

An older one, maybe a 190E/C-Class.

Wonder what the insurance on this would be like:
http://pistonheads.com/classifieds/1890753.htm
Never know, you might get it on a classic policy...

I too was going to suggest a classic, perhaps a Morris Minor,. 2CV, Renault 5 ?

Glad my dogs don't drive, hate to think what it would cost to insure them