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cheapest car to insure for a teenager
cheapest car to insure
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You need to keep the insurance group as low as possible.
Use the left hand panel to find the insurance group of any particular model or (perhaps more relevant to you here) use the right hand panel to obtain lists of models by groups:
Use the left hand panel to find the insurance group of any particular model or (perhaps more relevant to you here) use the right hand panel to obtain lists of models by groups:
00:25 Mon 16th Jan 2012
You need to keep the insurance group as low as possible.
Use the left hand panel to find the insurance group of any particular model or (perhaps more relevant to you here) use the right hand panel to obtain lists of models by groups:
http://www.parkers.co...car-insurance-groups/
A couple of hints when seeking insurance:
1. The most basic insurance isn't always the cheapest. Don't just go for 'Third party' (or 'Third party, fire & theft') policies. Check the prices of 'fully comp' policies as well. They can sometimes be cheaper! ;
2. Look at adding a more experienced driver to the policy as an 'additional driver'. It's perfectly legal (even if the additional driver never actually drives the car) as long as the policy is in the teenager's name. Adding an additional driver can significantly reduce the cost of a policy.
Chris
Use the left hand panel to find the insurance group of any particular model or (perhaps more relevant to you here) use the right hand panel to obtain lists of models by groups:
http://www.parkers.co...car-insurance-groups/
A couple of hints when seeking insurance:
1. The most basic insurance isn't always the cheapest. Don't just go for 'Third party' (or 'Third party, fire & theft') policies. Check the prices of 'fully comp' policies as well. They can sometimes be cheaper! ;
2. Look at adding a more experienced driver to the policy as an 'additional driver'. It's perfectly legal (even if the additional driver never actually drives the car) as long as the policy is in the teenager's name. Adding an additional driver can significantly reduce the cost of a policy.
Chris
This is a serious answer.
A Classic Car such as a Triumph Herald or Morris Minor will be the cheapest with a specialist insurer. The teenager will also appear very cool in such a vehicle. (which also will not depreciate!)
Parts are no problem, and with electronic ignition fitted there is no reason why it would not be utterly reliable.
A Classic Car such as a Triumph Herald or Morris Minor will be the cheapest with a specialist insurer. The teenager will also appear very cool in such a vehicle. (which also will not depreciate!)
Parts are no problem, and with electronic ignition fitted there is no reason why it would not be utterly reliable.
Even the cheapest group 1 car will cost several thousand £s for a teenager!
it is not the cost of the car that causes the expence it is the possibility that the insurance will have to pay out up to a few million £ in medical compensation if he has a crash. Remember 1 in 3 teenagers have a crash that needs an insurance claim inside the first year !
Very surprised if you can insure any car for under £3000.
mjwman's suggestion of a classic car has a drawback, classic insurance is for cars that only get driven to things like car shows and such like, not for everyday driving. A 'classic car' policy will have very limited annual mileage allowances and additional conditions such as 'no driving at night'
it is not the cost of the car that causes the expence it is the possibility that the insurance will have to pay out up to a few million £ in medical compensation if he has a crash. Remember 1 in 3 teenagers have a crash that needs an insurance claim inside the first year !
Very surprised if you can insure any car for under £3000.
mjwman's suggestion of a classic car has a drawback, classic insurance is for cars that only get driven to things like car shows and such like, not for everyday driving. A 'classic car' policy will have very limited annual mileage allowances and additional conditions such as 'no driving at night'
NOT TRUE
EDDIES Some are limited milage but many are not.
My Spitfire is unlimited mileage and comes with full beakdown cover including continental use for £125.It is bought from a club recognised insurer and has an agreed value od £5750
OK I am not a teenager by a long chalk but recent threads on young drivers on the TSSC.org.uk forum (Triumph club) have confirmed what I am suggesting.
EDDIES Some are limited milage but many are not.
My Spitfire is unlimited mileage and comes with full beakdown cover including continental use for £125.It is bought from a club recognised insurer and has an agreed value od £5750
OK I am not a teenager by a long chalk but recent threads on young drivers on the TSSC.org.uk forum (Triumph club) have confirmed what I am suggesting.
It is WAY cheaper for a 17yo to insure a mini/herald/toledo than a modern car.
Quote from the forum I mentioned. Anyone can view the thread.
http://www.tssc.org.u...imit=10&limitstart=10
"We have just bought a mini for my daughter (17 next year, but I will autotest it first!!) as she will insure it for £700-800. A modern car? maybe £2000-3000 for a group 1/2 motor. No comparison really. "
Quote from the forum I mentioned. Anyone can view the thread.
http://www.tssc.org.u...imit=10&limitstart=10
"We have just bought a mini for my daughter (17 next year, but I will autotest it first!!) as she will insure it for £700-800. A modern car? maybe £2000-3000 for a group 1/2 motor. No comparison really. "
Intresting,How old does a car have to be for Classic insurance mjwman ?
I drive a 13 year old Subaru , I am 61 retired and only do around 3000 miles a year , would that be classed as classic? 40 years driving with not as much as a scratched bumper as well . Sick of paying insurance that seems to think a claim every 3 to 5 years is normal. Anywhere that takes note of a 40 year claim free record?
I drive a 13 year old Subaru , I am 61 retired and only do around 3000 miles a year , would that be classed as classic? 40 years driving with not as much as a scratched bumper as well . Sick of paying insurance that seems to think a claim every 3 to 5 years is normal. Anywhere that takes note of a 40 year claim free record?
Just to qualify I know about these things I am chairman of The Chiltern Vehicle Preservation Group( www.cvpg.net)
I belong to the Triumph Sports Six Club and they have a panel of 3 insurers that they work with and will accept their valuation.
There is no hard and fast rule as to what is and at what age is a Classic.
Our annual Luton Festival of Transport accepts cars up to 1990 but also later ones if they are "of interest".
I know that Subarus have a following, and almost certainly an enthusiasts club. That should be your first port of call. Then check out the insurers in the back of the Classic press such as Practical Classics or Classics Monthly.
As for the original question. A classic Mini, Morris Minor, Triumph Herald, etc should provide an affordable, easily insurable and interesting mode of transport for a teen.
All of the above are well supplied with parts and specialists so maintenance is not a problem.
I belong to the Triumph Sports Six Club and they have a panel of 3 insurers that they work with and will accept their valuation.
There is no hard and fast rule as to what is and at what age is a Classic.
Our annual Luton Festival of Transport accepts cars up to 1990 but also later ones if they are "of interest".
I know that Subarus have a following, and almost certainly an enthusiasts club. That should be your first port of call. Then check out the insurers in the back of the Classic press such as Practical Classics or Classics Monthly.
As for the original question. A classic Mini, Morris Minor, Triumph Herald, etc should provide an affordable, easily insurable and interesting mode of transport for a teen.
All of the above are well supplied with parts and specialists so maintenance is not a problem.
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