The Student Room Group

Car Insurance

Hi, I'm a new driver (had my licence for around 2 months now and am 17) and obviously I need insurance but I can only find ones that are 8k+ which are really unaffordable for me. Does anyone have any recommendations??
(edited 3 months ago)
Reply 1
Original post by 888ella
Hi, I'm a new driver (had my licence for around 2 months now and am 17) and obviously I need insurance but I can only find ones that are 8k+ which are really unaffordable for me. Does anyone have any recommendations??
Shop around, use a broker, buy a cheaper to insure car.
Do not be tempted to insure in parents’ name claiming they are main driver…..that is illegal (ref. fronting).
Reply 2
Original post by 888ella
Hi, I'm a new driver (had my licence for around 2 months now and am 17) and obviously I need insurance but I can only find ones that are 8k+ which are really unaffordable for me. Does anyone have any recommendations??
What car are you trying to insure?

Add a parent as a named driver.
Reply 3
Consider having a black box insurance, it might not be ideal but it could be lower than not having one.
Reply 4
rub a genie lamp and make a wish.

17 is a horrible age to even consider private transport. 8k/yr insurance + upkeep is eye watering. Throw in no job(at the moment) in the mix + immaturity at that age and bake it in the oven at 250*C for 40 mins.

The result is a well baked recipe for absolute disaster.

You'd be much better off waiting till you're 19 or 20 (that way also not a new driver so points "allowance" at 12) and then attempting to insure. Seriously. Too many ways I could see this going wrong.

If you absolutely must have a car - get insured on your parent(s) as a side driver. Note the point above; you can't be the primary driver or else that is fronting and illegal.
Reply 5
Original post by Anon2463
rub a genie lamp and make a wish.
17 is a horrible age to even consider private transport. 8k/yr insurance + upkeep is eye watering. Throw in no job(at the moment) in the mix + immaturity at that age and bake it in the oven at 250*C for 40 mins.
The result is a well baked recipe for absolute disaster.
You'd be much better off waiting till you're 19 or 20 (that way also not a new driver so points "allowance" at 12) and then attempting to insure. Seriously. Too many ways I could see this going wrong.
If you absolutely must have a car - get insured on your parent(s) as a side driver. Note the point above; you can't be the primary driver or else that is fronting and illegal.

You can have your own insurance and add a parent as a named driver - thats not illegal.
Reply 6
Original post by Muttley79
You can have your own insurance and add a parent as a named driver - thats not illegal.

OP mentioned 8k was "really unaffordable" . So I assume they would like something around 3/4k (still bonkers to me). Adding a parent as a named driver certainly won't half your policy price. When I added my dad on mine at 20, i got around £300 off, leaving a total of £1400.
Reply 7
Original post by Anon2463
OP mentioned 8k was "really unaffordable" . So I assume they would like something around 3/4k (still bonkers to me). Adding a parent as a named driver certainly won't half your policy price. When I added my dad on mine at 20, i got around £300 off, leaving a total of £1400.

That's why I asked about the car. When my son [at age 18] insured his car it did halve the cost - it was cheaper to add me [his mum] than his dad.
Original post by Amin7
Consider having a black box insurance, it might not be ideal but it could be lower than not having one.


Oh god not them. I wouldnt bother with them. Absolute dog **** they are.
Reply 9
Congrats on the new license! Insurance costs can be high for young drivers, but it's worth checking out telematics-based insurance options. These track your driving and could lower your rates if you drive safely. Also, see if adding yourself to a parent's policy could bring down costs. I used MoneyRepublic to compare quotes and found not just insurance, but also car finance deals. It's super easy and fast to check different services, and I trusted the providers I found.
(edited 1 month ago)
Reply 10
To all the youngsters out there you have my sympathies. I have 2 litre turbo Z20LET but i am 54 with full no claims, i pay 320 fully comp. It seems this country targets young drivers.
Original post by Anon2463
rub a genie lamp and make a wish.
17 is a horrible age to even consider private transport. 8k/yr insurance + upkeep is eye watering. Throw in no job(at the moment) in the mix + immaturity at that age and bake it in the oven at 250*C for 40 mins.
The result is a well baked recipe for absolute disaster.
You'd be much better off waiting till you're 19 or 20 (that way also not a new driver so points "allowance" at 12) and then attempting to insure. Seriously. Too many ways I could see this going wrong.
If you absolutely must have a car - get insured on your parent(s) as a side driver. Note the point above; you can't be the primary driver or else that is fronting and illegal.

Passing early and getting insured is a very good thing to do. You’ll thank urself later when you have 5 years NCB at 22
Original post by hamid2611
Passing early and getting insured is a very good thing to do. You’ll thank urself later when you have 5 years NCB at 22

I am 22. I have 2 years NCB. I pay £900 currently for (what i believe to be) a nice-ish car for my age. I look back on the times I was quoted £5000+ for a bloody 998cc banger and think "what an absolute joke". I would have also 100% been speeding / made some questionable decisions regarding driving if I had my license at 17/18 - so I'm glad I got my license when i did.

NCB means nothing if your initial quotes are astronomically high. I'd rather be quoted £1k with 1/2years NCB, than £2/3k with 2,3,4... years NCB. Not to mention the cumulative costs of insurance would still be higher if passed early and paying for 4/5years. I still think that money is used better off elsewhere at a young age.

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