young drivers insurance

[nightrunner]

hello there
can anybody help me, i have a 20 yr old son who has only recently passed his driving test, but i have a problem, he has got 9 penalty points on his licence and i was wondering if anybody can advise me as to which car carries the lowest possible insurance premium so that i can start looking around to buy him his first car, i am not looking for a new or modern car, just to start him off and try and get his driving experience, i.e. an old corsa or a fiesta. Any ideas

thanks

[boxtops]

Others wlll give you the detail who know more about it than I do, but I suspect it's not the car which will rate him up, it'll be the points on his licence....

[Vagrant]

Not an expert, but I believe (from talking to parents of newly qualified drivers) that Fiat Punto is cheapest.

[redcrx]

surely over 6 points would mean he has no licence now?

[redcrx]

but if he has got full licence with 9 points on then i think you'll likely be paying thousands for insurance, depending on what points were for

[hc4361]

If you can find anyone to insure him it will cost thousands, literally.
Just because his car is only worth a few quid, it doesn't mean the potential third party claims won't be in the hundreds of thousands.
He will be viewed as a very high risk.
Accumulating 6 points in the first two years of passing a test revokes the licence and puts the driver back to learner status.
I would leave it a couple of years at least, until he is older and his points have dropped off.

[Buenchico]

You can check the insurance group of any car you might be interested in by starting from this page:
http://www.gocompare....ce/manufacturers.aspx

Take care to check the EXACT model. For example, a 957cc 3 door Fiesta is only in Group 2 but a 1596cc 3 door RS Turbo Fiesta is in Group 15.

It has also been repeatedly mentioned, here on AB, that many young drivers find that they can get a significant discount on their premium by adding an older, more experienced driver (e.g. a parent) onto their policy as a 'named driver'. (Unlike 'fronting', where the older driver is the policy holder with the younger driver as a named driver, doing it the other way round - as I've suggested - is perfectly legal but can sometimes see as much as one third cut from a premium).

Chris

[R1Geezer]

group 1 will be the cheapest, here's a list:
:http://www.carpages.co.uk/car-insurance/car-
insurance-group-1-1.asp

however with 9 points I'd be surprised if any insurer will touch him with a bargepole. Presumably he got the points before he passed the test or he would now be banned anyway. Sounds to me like he really needs a lot more training before being let loose on the road

[joko]

do you realise that if a new driver gets 6 points on their licence within the first 2 years of passing, their licence is revoked and they go back to a provisional...?

your son has to take his test again - he has no licence...

[R1Geezer]

not true joko, any points on the licence before he took the test do not count towards the 6 for totting up. So he probably had at least 4 on there before he took the test.

[joko]

... within the first 2 years of passing...

[factor-fiction]

As others have said it will cost at least £2000 for any vehicle, even for just Third Party cover. Going for a vehicle with a low insurance group won't make much difference. The main risk being covered is the risk of causing damage/injury to third parties rather than the cost of damage to his own car.

[tigwig]

Not meaning to slate you personally or anything as it's not your fault your son is such a clearly bad driver but I personally do not think you should be helping him to get on the road at all until he grows up and proves he can drive safely. 9 points on a license at his age and in such a short time after passing his test makes him quite frankly a danger to himself and more importantly other innocent people. I would suggest you pay for him to get some advanced driving lessons and tell him he cannot drive until he has proved he can drive sensibly.

[Andyvon]

Well said Tigwig. I wouldn't want to meet him along the road anywhere. How many families/children etc has he already put at risk as they innocently go about their business?