Cae Insurance

[Westwoodho]

Can anyone help. My 18 year old son has just passed his test and is looking for insurance for an L reg 1.1 Ford Fiesta LX. He keeps getting ridiculous quotes over 2K for 3rd Party Fire and Theft. Surely there is a cheaper way of getting him insured.

[NORMANTHEDOG]

try CIS insurance

[NORMANTHEDOG]

or you insure it with him as a named driver

[thebhoy]

insuresupermarket.co.uk also it mite be cheaper to go fully comp, saved me 400 quid last year

[Toureman]

HI,

Try as Norman says, there are some companies that give a no claims discount to named drivers try one of those, they advertise on TV.

[zipadeedodah]

I always found Tesco to be the cheapest. 2k seems crazy....just after passing their tests some friends who had newer cars with bigger engines were quoted �1200/�1300 maximum.

[saintjohnny]

I can confirm that isnuresupermarket.com is indeed an excellent place to begin. Unfortunately, given your son's age, it is unlikely he will get insurance for less than �1200-�1500, but you never know. The two cheapest insurers by some distance when I was looking were Bell and Quinn Direct. Best of luck.

[Gef]

Direct Line allow named drivers to build up their own no claims discount.

[Grunty]

If you insure the car yourself, with your son as named driver, the insurance company could refuse to pay out. It would be an easy thing for a good investigator to find out. There would also be an offence of driving without insurance, but it is doubtful that the police would spend the time on it. The person insured should be the one who uses the car most. That is the whole point of charging different rates.

[Buenchico]

The best way to get the quotes down would be to take a Pass Plus course:
http://www.passplus.org.uk/case_studies.asp

Chris

[Westwoodho]

Thanks to you all for your suggestions. I can see that I've some more time to spend checking out quotes - or perhaps I'll get my son to do it, after all it's his insurance!!

[sukkie]

Try churchill they gave my son the best quote out of the lot.

[Gef]

Grunty that is a load of nonsense. If you are a named driver you are perfectly entitled to drive the car as much as you want. You are always insured and the insurance company cannot refuse to pay out assuming that you have not lied to them about everything.

If you have a nmed driver on your insurance the premium might well be higher and in the case of a young named driver the excess will certainly be higher.

[Cockney_si]

It's cheaper for me to insure a newer car than an older one (I'm 30 with full no claims so age has nothing to do with most of it).

Have you thought of a more secure car, an L reg fiesta, although maybe only a 1.1 can be got into quite easily....

How about one with a factory fitted imobiliser, like a Nissan Micra or Peugeot 106 or 306 ?

If not, get someone to fit a thatcham approved alarm and imobiliser system (and a thatcham approved steering wheel lock) and then you have added protection incase the insurance company argue the car may get stolen.

[gouldc]

Gef is wrong, Grunty is right.

Insuring a son/daughter to get cheap insuranc eon their car is fronting, and is fraud - I catch people all the time, and enjoy cancelling their policies and refusing to pay out.

Insurance companies charge a premium to cover the risk.

A 17 year old with zero ncb is a greater risk than a 40 year old who has had no accidents

[Gef]

gould, sorry but I can't see what you mean. Whenever I have put my son on my insurance as a named driver I have never been asked about how often thay would be driving the car. Can you please give more info?