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Thread: Young Provisional drivers insurance

  1. #1
    Regular Member Neil71's Avatar
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    Default Young Provisional drivers insurance

    Hi to all, Does anyone know where to get good value car insurance for my 17 year old daughter who has just got her provisional license and she has also just bought her first car, a clio 1.5dci extreme3 2004. She will be paying the insurance herself and will be the policy holder, car owner and registered keeper. She will also have my wife and me on her insurance.
    Any info greatly appreciated.

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    Regular Member mark_647's Avatar
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    Not too sure in the povisional circumstance, but when I started driving, the cheapest quote I had was Direct Line and I still use them today. They were literally £1500 cheaper, it was still £1400/yr though but give it a go ! Femals seem to be cheaper also, the same quote at the time was a few hundred pound less, by changing it to female !

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    Regular Member 3.2_V6_VXR's Avatar
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    Try swiftcover, they were the only ones that would quote my younger brother a reasonable quote

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    Regular Member gtr1000's Avatar
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    Vehicle : Insignia

    Trim : Sri

    Engine : 140 Ecoflex S/S

    Year : 2013

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    Having just been through this with my 20 year old daughter (2 years on prov licence), we came up with Admiral. Got it down to £800 TPF&T for a 1998 1.2 Corsa (group 2E) with me (49) and her boyfriend (23) on the policy. Use loads of Comparison search engines to arrive at this price.

    One thing to watch, which is becoming quite common according to my broker, is that the Admiral price was for a one off, up front payment. If she decided to go direct debit, it would have worked out to nearly £1200.

    I've also been looking for my son who's 17 next June and the best deal I've found is for a 1998 Ford KA @ £1400 fully comp with just him on the "policy". Got this price with Direct Line but as we all know, prices seem to change on regular basis, if not daily.

    HTH

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    South Wales Assistant Regional Organiser davidjameswest's Avatar
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    just be careful with insurance and ask what the premium will be when they have full licience, my brother had a great price with quinn direct on a 1.3 fiesta but when he passed his test and called them to inform them they wanted to increase his premium to nearly double as he wasnt go to be supervised in the car any more, my advice is to bite the bullet no matter what the price is to have your own policy as the year after it will be half as most companys 1 yr ncb is 50% , just call all the 0800 first and stay away from companys that offer 9 mth policys as incentives to build bonus up quicker as normal companys wont allow you to use that no claims bonus as a 9 mth policy isnt a full one if you knwo what i mean, (9 mth policys sound cheaper)

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    im with quinn and my 19 year old girlfriend is on it as a provisional driver. It works out at around £300 for the both of us on a 1.2 clio with 7 years ncb, davidjameswest is right they do bump up the insurance once she past to around £700 but it was still alot cheaper than anyone else I got a quote off.

    B4rrett

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    Regular Member Neil71's Avatar
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    I have just tried directline and have quoted £1332 for a years premium including a 8 week discount.

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    Regular Member Matt&Jemz's Avatar
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    My sister started off with Quinn and someone else I know started off with them, but to be honest only ever heard bad things about them. My sister went to uni so cancelled her policy before it even really began and the other person was somehow 3rd party, full licence after having their licence taken away for speeding twice within the first two years so had no ncb and managed to be insured to drive other people's cars!! I was 24 at the time and had full no claims, no points or convictions and was fully comp and couldn't even drive other people's cars!

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    just looking for insurance for girlfriend provisional licence and cheapest I'm getting is £450 on a golf mk3 1.4 she is 24 but when looking at fiesta, Clio and corsa's was getting quotes around the 1k mark so got the golf.

  10. #10
    Regular Member Neil71's Avatar
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    I have managed to get my daughter's insurance through Admiral. Premium for a 17 year old provisional with my wife and me also on the policy has cost her £677.23 including legal cover, windscreen cover, fully comprehensive and courtesy car. Excess is £500.
    I also enquired as to what the premium will be if she was to pass her test and the annual premium would go upto £902.50.
    Excess on the policy for me and the wife is £200.
    After looking at several companies I found this to be the best deal by far.
    Thanks to all who replied.

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