Hi, i am 18years old and like every other 17-25 year old driver i am having trouble getting adecent quote for insurance.

Trying to get the price down(quoted price around £2000) i tryed putting my mum down as the policy holder and with myself as a named driver on my puegeot 106 and it considerably cheapened things(toaround £750) with direct line, after calling them and trying to get the same qoute over the phone it turns out that all insurance companies are no longer going to insure parents on their sons/daughters vehicles and that the son/daughter would have to take out their own policy.

So again i am back at square one trying to insure my car again and looking at paying money that quite frankly i cannot afford to pay for insurance.

Does anyone know a way around this problem?

Insurers are clamping down on this, because it's clear you are going to be the main driver and therefore the premium wouldn't have reflected this. This is called 'Fronting' and you are technically trying to defraud the insurer and obtain a service by deception.

RE: "Does anyone know a way around this problem?": This isn't a problem. It's a fact that you will be the main driver, so you must pay main driver prices. If everybody did this over the space of just 2 or 3 years the premiums wouldn't have a large % increase for the following year as the costs would be adequately covered.

---

Kind Regards,

Vicissitude

I have to agree this isn't "a problem" its life you must have known before you learned to drive that you would be penalised heavily on insurance due to your age. Hey we have all been there, all i can say is if you can't afford to insure yourself you shouldn't have wasted your time learning to drive as far as an insurance company is concerned you are not classed as an experienced driver until you have held a licence for 10 years as an average driver would have covered 100,000miles in this time there are some ways to lower your premiums legally like garage the car have an insurance approved alarm/immobiliser fitted go on a pass plus course i think that lowers your insurance also if you can calculate your mileage for the year to below the average of 10,000 this will help lower your premium.

Have you thought about a Pay as You Drive policy? Others have said they can limit the cost provided you don't do many miles.This might help you do your essential motoring at a slightly cheaper rate.I think Norwich union does a policy but a search may reveal other options.

Hi

Have you taken Pass Plus? Some insurance companies will lower their premium if you have. Your driving instructor will have details on the scheme and in some areas you can get a rebate - you need to check with your County Council. The cost of taking the extra lessons can be almost halved in some areas. It is definately worth looking into.

Putting a parent as the policyholder when the main driver is the son/daughter could cause all sorts of problems.

Although you may (if lucky) get a quote and a certificate, the insurer could well refuse to pay out once they found out that the main driver was in fact the named driver and not the policyholder.

It is fair for the insurer to want to base the cost of the premium on the highest risked driver. For that reason, most insurers are now declining to offer Parent/child policies.

Try a search for companies that deal with young drivers,i'm ith insureyourmotor.com and prevously easymoney.com. You can always have your mum as 2nd driver, it should lower your policy.Also get some quotes with & without pass plus, i've been driving 4 years but I found cheaper insurance with company who didn't take pass plus than paying the extra money for lessons and using one who did.Not all insurers take pass plus. Can't say youl get anywhere near the price you want though, young male and new driver doesn't go down well!!

When I was young, and I was once., I insured myself in my dad's name as a named driver.

All that seems to have gone forever now...

So, here I am with 3 daughters, 2 of driving age and one getting there.

I have almost infinate no claims bonus, as does, Freda, my lovely and good driving wife.

BUT

No help is that for my girls

No, not nowadays...

Crazy as it may seem, our reputation and our insuance background seems to count for nothing.

I did try MissCar, and, for females, they do seem to give good prices, but even they don't seem to take into acount family claims history,

Ah well...

My advice would be this. If you're seriously thinking about buy a car isnurance policy make sure you:

a) Do your Pass Plus. It doesn't cost much, you'll do a bit of motorway driving and night driving but you'll save a lot on your car insurance.

b) Maybe put your mum or dad on the policy as an additional driver. This may also bring down the cost too.

c) Think about where you'll be driving your car. Many people just enter 10,000 miles as their annual mileage. Think carefully about where you'll be driving, do you work, how far is it to work? Work it out properly, don't guess. The lower your annual mileage the lower your premiums.

I've just run a quote on MS for an 18 year old student male driving a 1993 Peugeot 106 1.1 3dr. 5000 miles a year, parked on the street, vehicle owned from feb 08, living in Rochester Kent with less than 1 years no claims bonus and held their licence for less than 1 yr. The cheapest price was £1428 from Kwik Fit. Unfortunately Kwik Fit do not take into consideration a Pass Plus so I couldn't get this quote any lower. Do a quote on MS and use my tips above. Let us know how you get on!

check my thread tue 26 feb you will see the pass plus and lower mileage has already been suggested loubie perhaps if you read other threads first you wouldn't be repeating what other people have already suggested???

what arrogant post before mine now.

All loubie did was offer advice

Cookie,dont bother asking any advice then posting replys like that again,

Red, agree with you regarding Cookie's post. With regard to the OP's question. We all try to help our kids out as much as possible but as far as car insurance is concerned-everyone has to start somehere as I've just explained to my eldest son. Personally, I think the legal age for driving should be raised to at least 21. At the moment a person can leave school at 16 (some with minimal reading/writing skills) and be legally responsible for a potential killing machine at 17. In this day & age where is the sense in that?. Before anyone jumps in-I have four sons and although the eldest managed to pass his test first time I have not encouraged the others to follow suit. There is a saying-if you can't stand the heat stay out of the kitchen!!!!

finally a parent with a brain!!!

Totally agree about raising the legal driving age to 21

Raising the age where you can get a full licence to 18 means didly squat to insurers because you can legally drive on road with a provisional and insurers will be open to those bad risks still,it should be the minimum legal age 21 for a provisional licence never mind a full uk.

Yeah Red

I sort of agree, although I passed my test under 20. But at 17 you can't leagally buy alcohol or cigs but you can drive??!! Something is very wrong with this country!!

Daisy

Hi I'm a 21 year old girl and I know exactly what you're going through because I have an 18year old brother - who was told by one insurer their cheapest rate was £5000! I don't think so!!! What we have done is put my parents as the main driver, and then putting my brother as a named driver, which basically put it down to £500. I would recommend doing it online because you get them cheaper online and they don't ask you any questions like they do over the phone!