car insurace 16/25 year old

[mollykins]

insurance is always most expensive when you've just passed your test. But i won't be able to afford to drive until after i've left uni probably and got a job, probly mid twenties.

So because i would be older and more sensible would my insurace be slightly less per year than a 17 year old that just qualified, but obviously still a lot more than my mum, for example who hasn't had an accident since i was a toddler, and even then it wasn't her fault.

[factor-fiction]

yes, but it would still be expensive if you are under 25 and have no claims discount

[mollykins]

is that meant to be no 'no claims' discount?

[factor-fiction]

Yep. ''No no claims discount'

[mollykins]

But i wouldn't be able to learn until i leave uni as i say, and i don't know how long i will be there for, so i might be 22,25 or 28 when i finish.

[redcrx]

everyone starts off with high insurancew, its the way it works. whether youre 17 or 30, you will still have no no claims and no experience.

Perhaps if you still live at home when you go for insurance you could add your mum as a named driver (on your policy) to reduce premiums.

Young people seem to think that this is a new concept, that new drivers pay a fortune for car insurance. But 20 years ago, i was paying £40 a month on a 1.0l metro.

[vanman1]

If i were you I would get your provisional and go on your mother's insurance now. That way you will be named on a policy. You can still have the odd lesson here and there when you can afford it. Even if you never get behind the wheel, you will be accruing no claim's bonus, and the money you spend on your licence and being added to the insurance will pay off with the no claim's bonus when you do pass and get insurance of your own.

[bushbaby_de]

only certain providers allow you to accrue no claims discount when you are only a named driver

[mollykins]

vanman, i'm only 16 at the moment, but i'm thinking for the future. would that mean that i would have to do my theory? and my parents insurance would rocket? considering we have a car that has high insurance even for them? My dad said that i'm not allowed to drive his car at all, one of many reasons why he's said that i shouldn't learn to drive when i'm seventeen.

[vanman1]

As soon as you can get your provisional, have a shop around and find out what insurance companies will accept you as a learner, and how much it will cost. bushbaby's right, some policies will let you accrue NCB, some won't. So obviously you would need to be on a policy that will get you some insurance history and NCB. Even if you never drive the car, being on the insurance and proving history will help the cost of your own insurance when you need it. Don't forget if there is a big gap, it won't count, so there is no point in doing this ofr a year then nothing for five.

[mollykins]

But it will push the price of ym parents insurance up won't it and they can abrely afford it now. I was jsut asking, to see if it would be cheaper for a newly qualified driving at 25 or if it didn't make any difference.

[vanman1]

Yes it will cost something to add you to your mum's insurance, but it will cost nothing to find out how much. I am sure it will be far less than getting insurance on your own, when you have a licence and not insurance history.