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Thread: Advice needed

  1. #1
    Regular Member Andy79's Avatar
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    Default Advice needed

    My son turns 17 in jan and obv wants to start to learn to drive.

    No problems there, it will all be done legal, he will want to go out with me from time to time for extra experiance which i have no bother with.

    My problem is i have a VXR and cant get him as a named driver on prov licence because of the type of car i have.

    So my thinking is to buy a Diesel and once he passes his test i will then pass this over to him.

    He is a sensible lad so no worries on this side of things and he loves cars.

    Will i be better getting something like a Astra van or car, both being the diesel option and will be approx the astra mk3.

    What would he be better trying to insure as a new driver once he passed his test a car or a van???

    Is there any advice on insurance?? if its too much for him would i be able to insure my vxr and a van but have him as a named driver on the van, is there a way he would also be able to work up his own NCD being on my insurance??

    Sorry about all the questions but i aint got a clue lol.

  2. #2
    Regular Member Grumpy1954's Avatar
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    Vehicle : Ford Kuga

    Trim : Titanium

    Engine : 2.0dtci

    Year : 2014

    Mileage : 1200

    Default

    Not sure which, but some insurers let you build up NCD as a named driver. Why a van? Would have thought a car variant would be more stylish for a young lad, unless he needs a van for work?

  3. #3
    Regular Member Andy79's Avatar
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    Quote Originally Posted by Grumpy1954 View Post
    Not sure which, but some insurers let you build up NCD as a named driver. Why a van? Would have thought a car variant would be more stylish for a young lad, unless he needs a van for work?
    He is not one for showing off really, he will need the cheapest to run as he wont be at work except maybe part time due to him carrying on at school in 6th form.

    He just want to get started on the road as soon as he can, and with me footing most of the bill he wont be getting a vxr astra as his first car thats for sure lol.

  4. #4
    Regular Member ChrisBilly's Avatar
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    I was talking to a mechanic yesterday who said he had a fiesta that costs around £20 a year to tax. His brother bought a fiesta van with same engine, only difference is no rear seats and metal sheets instead of glass in the back windows, but he has to pay around £200 a year tax.
    Worth looking into if you go that route.

    I'm not too sure but I think you could insure you son with his own policy and you be a named driver, which should also reduce his premium. Again worth looking into.

  5. #5
    Regular Member gtr1000's Avatar
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    Welcome to the world of insuring young drivers .

    Just been through the same with my 17 year old son. On his provisional, a 1998 Ford Ka came in at around £1200 TPF&T. Not bad for starters but let's fast forward to the day when he gets his full licence, say in 6 months time..................

    Anything between £3-4k . I gave up trying to find cheap cars and insurance for him. Now isn't a problem but when he's got a full licence at 17, forget it.

    So I bought him a 125cc motorbike. He'll keep this for 12-18 months and hopefully be able to put his bike NCB towards a car as and when (Direct Line have said they'll accept this )

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    On the insurance side of things.....here this

    I have a Berlingo van, its a y reg (2000) It is a bog standard 1.9 diesel, no turbo, no electric windows, no PAS. I estimate it to be worth approx £600-£700. I insure it 3rd party fire and theft for only me to drive.

    I also have a 56 plate design estate, its the 16v 150 bhp, I estimate its value at around £5000-6000. I insure it fully comp for me and my partner.

    Guess which is cheaper??

    Yep, indeed, the car that is worth 10 times more than the van is cheaper to insure, and with a higher level of cover.

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    A colleague at work got one of his sons a van last year when he passed his test, aged 17, and it costs a lot more to insure a young driver on a van than it does a car. Let's say his eyebrows were well and truly raised off his head!

    He had to go to a specialist van insurance company as most common insurance companies would not even quote for insuring a 17 year old on a van.

    My thinking is that van insurance is more due to the capability to store more possessions in it and vans, IMO, are more commonly targeted for theft of contents than cars.

  8. #8
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    TP F&F used to be the cheaper insurance option. All my early second hand cars were insured in this way. However in recent years when just out of curiosity I have enquired, TP F&F seems to be significantly more expendive than Fully Comp??? Don't ask me why. Also it is worth noting the value of the car contributes little to the cost of the insurance. Mostly other factors.

    Best bet is to forget an Astra, get him a small car with a small petrol engine (1.0 L or smaller) in the lowest possible insurance group.

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    Vehicle : Vectra

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    Insurance is mental. My 2.2 diesel SRi Vectra is cheaper to insure by quite a long way than my 1.0 Corsa Club I started out with. I have been driving a year and a half and have 1 years NCB. I knew someone that had a X reg 1.7 DTi Astra for a first car and it did him well. Bullet proof engine too. Might be something to have a look at.

    If that's still too high, I went with i-kube insurance. They fit a tracker to the car so if it's driven between 11pm and 5am a charge is applied to your bill. Think it's £60 every time. But it sure as hell saved a lot of money. Brought the Corsa down from £3000 to £1700. It was only worth £2500 in the first place!

    http://www.i-kube.co.uk/

    Quote Originally Posted by Andy79 View Post
    Is there any advice on insurance?? if its too much for him would i be able to insure my vxr and a van but have him as a named driver on the van, is there a way he would also be able to work up his own NCD being on my insurance??
    If you mean have both policies in your name with you as the named driver and him just on the policy, if he's doing most if not all of the driving this is called fronting and is illegal.
    Last edited by cont1204; 15th October 2010 at 09:47.

  10. #10
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    I have done a bit of research,
    The cheapest cars to insure in the UK are the smallest engined most basic trimmed versions of:

    - Ford Fiesta
    -Vauxhall Corsa
    - Chevrolet Matiz
    - CitroŽn C1, C2 and C3
    - Peugeot 107
    - Skoda Fabia
    - Suzuki Alto
    - Toyota Aygo
    - Toyota Yaris
    - Vauxhall Agila
    - Smart Fortwo Coupe

    Older group 1 cars:
    - Seat Marbella
    - Fiat 126
    - Fiat Seicento
    - CitroŽn 2CV6

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