Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 10352
NFU Mutual and young drivers
Folks
last year I moved my wifes car insurance to NFU mutual (I was already with them), as they were one of a dwindling few that would cover a 17yr lad learning to drive. Part of the reason for going with NFU (along with price) was that after a year, they would give him, in his own right a years no claim bonus (OK, provided he hadn't claimed), plus had a pledge scheme that would assist with him getting cover in his own name at a "reasonable" (read less than a grand TPFT on a 1ltr Corsa). So, now just looking at a motor for him, I give NFU a call to get a better idea of insurance prices. Sorry, says the operative, we've closed our books to any new policies for under 25yr olds, had too many claims!
So, back to square one - using the crappy comparrison sites (which I hate as they get so many details wrong), cheapest so far for an 18yr old, just passed his test TPFT on a 1.1 8v Clio is £1400, a 1.1 Pug 206 is £1700. How the hell is a youngster supposed to get insurance.
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Gone - MY18 D5 HSE - Corris on 22's with Black Pack
Now gone - MY16 D4 SE Tech, Loire Blue, Almond Leather, Privacy, plus some other goodies.
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Ancient - D3 TDV6 S - Tonga with Ebony, 20" Stormers, satnav & DVD
We have a nation of teenage drivers who fail to distinguish between a Playstation game and the real world. Crash car, press re-start and off you go mentality.
Furthermore, parents are paying for everything which prevents a sense of responsibility forming in the kids minds.
Insurance companies want to make money and when they close their books it's because they are failing to accomplish this due to claims.
My first TPFT at 17yrs old was £350 on a £500 car. At this time, petrol was 35ppl and I earned £7 per DAY.
Perhaps your insurance quotes aren't that far removed from what I paid back then taking todays cost of living and pay rates into account. I paid for my own driving lessons by working, I bought my car with my own hard earned and I insured it myself. I was sh*it scared to have an accident and I paid attention to my responsibilities as a driver.The older I get, the more I realise that people confuse wrinkles for wisdom
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8th Mar 2008 12:02 pm
n1cktdv6
Member Since: 20 Mar 2007
Location: Warrington
Posts: 1161
When I was 19 I had an RS2000 escort, the insurance was £1400. I had a clean licence and no convictions. I am 32 now and the insurance on the D3 is £569.00 with NFU and that covers all drivers D4 HSE....Probably, but not quite decided yet.
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8th Mar 2008 12:22 pm
countrywide
Member Since: 16 Sep 2007
Location: UK
Posts: 6019
n1cktdv6 wrote:
When I was 19 I had an RS2000 escort, the insurance was £1400. I had a clean licence and no convictions. I am 32 now and the insurance on the D3 is £569.00 with NFU and that covers all drivers
How did you manage that, the NFU quoted me £550 with my wife and I on the policy and I am 38. Did you push for a discount.
8th Mar 2008 1:40 pm
al cope
Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 10352
As I've said, I'm with NFU, and for me and 'er indoors is 620 with protected no claims, if I wanted to add my now 18yr old, ADD £4000, so I dont see how you can have paid sub 600 for any driver.
AlVolvo XC90 B5 Plus Dark
Gone - MY18 D5 HSE - Corris on 22's with Black Pack
Now gone - MY16 D4 SE Tech, Loire Blue, Almond Leather, Privacy, plus some other goodies.
Old - MY12 D4 SDV6 XS Auto - Ipanema Sand with Almond Leather - Plus other niceties, and D4.com sticker
Older - D3 TDV6 XS Auto - Lugano Teal with Almond Leather, 20" Stormers, Shiny Tailpipes, DVD/TV - and obligatory D3 sticker
Ancient - D3 TDV6 S - Tonga with Ebony, 20" Stormers, satnav & DVD
I just renewed the D3 at £350 (More Than) and that includes ALL modifications noted. Over 25s for drivers The older I get, the more I realise that people confuse wrinkles for wisdom
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8th Mar 2008 2:09 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
Back on topic - not obvious, but try Direct Line - they insure my 17 year lad on SWMBO's Matiz - the delta between him being a named driver and not insured is just under £1000Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
8th Mar 2008 2:16 pm
jeff
Member Since: 18 Jun 2005
Location: Cornwall
Posts: 393
Al, I've just insured my 18 yr old with a 1.6 16v group 7 Renault Laguna for £1450 fully comp, this was through Norwich Union. Can't believe I'm happy with that price but my previous best was for £1700 with me as policy holder and him named driver. It might be worth looking at different, i.e. not your usual first car options.D3 TDV6SE
Defender 110 V8 lpg
After SWMBO passed her test 3 years ago, she took a further series on lessons (4x 2 hours I think). That cover night time and motorway driving. They are DVLA backed/approved lessons and a DVLA certfifcate was issued afterwards (there's no additional test). It's called Pass Plus and details can be found here:
I believe a lot of insurers offer a discount if this course has been done. My wife didn't get a discount because she was a named driver on my policy.Too much intellectual firepower can damage your common sense.
8th Mar 2008 2:27 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
I have discussed Pass Plus with my lad as an option Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
8th Mar 2008 2:33 pm
al cope
Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 10352
We have looked at this too, and does depend on balance of cost, as some motoring schools want 300 quid for pass plus, so if it doesnt save you at least this much, it isnt worth doing.
A look at different motors, apart from the usual first car models might be worth a try, as if its this close, he could probably have something better than a 1 ltr eurobox.
AlVolvo XC90 B5 Plus Dark
Gone - MY18 D5 HSE - Corris on 22's with Black Pack
Now gone - MY16 D4 SE Tech, Loire Blue, Almond Leather, Privacy, plus some other goodies.
Old - MY12 D4 SDV6 XS Auto - Ipanema Sand with Almond Leather - Plus other niceties, and D4.com sticker
Older - D3 TDV6 XS Auto - Lugano Teal with Almond Leather, 20" Stormers, Shiny Tailpipes, DVD/TV - and obligatory D3 sticker
Ancient - D3 TDV6 S - Tonga with Ebony, 20" Stormers, satnav & DVD
8th Mar 2008 5:51 pm
SPOTTER
Member Since: 06 Dec 2006
Location: Adrift........
Posts: 3095
The NFU is any driver over 25
However they diud let me put a 23 year old on for a weekend
However I am paying £750 for just myself and my wife as named drivers on my D3 end of an era ....... maybe a Defender when it appears.......
10th Mar 2008 7:58 am
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
SN wrote:
the delta between him being a named driver and not insured is just under £1000
Sound like an answer for your math degree Steve 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
10th Mar 2008 8:45 am
catweasel
Member Since: 05 May 2006
Location: Bundaleer
Posts: 4805
JMC wrote:
.My first TPFT at 17yrs old was £350 on a £500 car. At this time, petrol was 35ppl and I earned £7 per DAY.
did they take into account the guy infront carrying the red flag and it cost me less than £250 to fully comp insure my D3
10th Mar 2008 9:06 am
al cope
Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 10352
this is getting past a joke
I've tried most of the comparrison sites, and a few direct folks, and for an 18yr lad, just passed test, with 1 yr clean driving on his moms policy, on a 1.2 Clio or 1.2 Pug 206 (and even a 1Ltr Corsa), TPFT, quotes are approx £1600-£1700. It is, in effect, doubling the car price, as we had been looking in the 1700-2000 price range.
On some, PassPlus gives you discount, but typically 5-10%, which is less saving than it costs to take.
How's a youngster supposed to drive and get experience for gods sake. How do all the other kids I see driving do it, or are they not bothering with insurance (which is very likely given these sort of figures)
I was expecting something close on a grand as a starter, but this is barmy.
AlVolvo XC90 B5 Plus Dark
Gone - MY18 D5 HSE - Corris on 22's with Black Pack
Now gone - MY16 D4 SE Tech, Loire Blue, Almond Leather, Privacy, plus some other goodies.
Old - MY12 D4 SDV6 XS Auto - Ipanema Sand with Almond Leather - Plus other niceties, and D4.com sticker
Older - D3 TDV6 XS Auto - Lugano Teal with Almond Leather, 20" Stormers, Shiny Tailpipes, DVD/TV - and obligatory D3 sticker
Ancient - D3 TDV6 S - Tonga with Ebony, 20" Stormers, satnav & DVD
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