Car insurance for 20 year old

[PK99]

Feck me, i expected it to be expensive but....

D2 (20 just passed test) is on placement year working @ Vauxhall Luton, in a House share in Luton and travel to work is getting complicated so we planned to lend her our "spare" car (a 5 year old Jazz) as Mrk PK has a train commute at the moment -

Best quote from our existing insurer £4.5k with black box, cheapest on line £2k with horrific excess

 

[Saluki]

Have a google for insurers that specialise in young drivers.
£4.5k is a lot. A very lot, especially when @Matthew_T was quoted a heck of a lot less and he's younger and male. It might pay you to actually buy a cheaper run around car, something with a tiny engine for her.

 

[welsh dragon]

Insurance companies do not like young drivers. It's as simple as that, and it doesn't matter how good, or safe a driver your child is. Too many are stupid and reckless and have the attitude that I know everything there is to know about driving, and I will not listen to anyone else. Young drivers have a hell of a lot of accidents.

there is nothing you can do. Unfortunately all young drivers are tarred with the same brush no matter what you say. That's life im afraid. Good luck trying to find something you can aford.

Youll be better off buying an old, very small engined car, tpft,. There is nothing else you can do. Good luck

 

[PK99]

Have a google for insurers that specialise in young drivers.
£4.5k is a lot. A very lot, especially when @Matthew_T was quoted a heck of a lot less and he's younger and male. It might pay you to actually buy a cheaper run around car, something with a tiny engine for her.

... and the likes of Matt with his appalling driving and handbrake turns on the open road is exactly why others have to pay a fortune!

 

[Cycleops]

If she is working and staying in Luton then it would seem sensible to either use a bike or go by public transport. Then use rail for longer journeys, I think there are appropriate rail discounts for young people.
As a parent I would also be concerned about letting my inexperienced child out on the overcrowded roads of Great Britain. Maybe a blessing in disguise.

 

[welsh dragon]

To be honest its not just the car, its where you live, what the car will be used for, etc. There are a lot of variable's. The post code at different ends of the road where you live can be different and mean and increase in premiums. And of course drivers like Mathew, are a reason for the cost. If she wants to use the car for work, that would mean a huge increase of risk and subsequent premiums. As above, I'd go by bus or rail. It's cheaper

 

[helston90]

I was told once that using a van helped- the road tax (hehe) is a bit more as its commercial vehicle but as it's only 2 seater they'll be less likely to drive around at 2am with 4 other people windows down/ system up etc.
Something like a 10 year old fiesta/ corsa van just to tide over?

 

[tony111]

Have a look at leasing a car.Might work out cheaper, plus you get a car.

 

[Deleted member 18052]

Insurance has always been expensive for young drivers, I paid 2k 10 years ago(17 at the time) on a 1.1 fiesta

 

[oldfatfool]

Son 17 is insured with ingenie, they insist on a black box, but if the driver is driving well then they give cash back each quarter. For a new driver in a 3 yo C1 he paid approx £1500 and he has received £150 back so far. Well worth a look

 

[paul04]

Also if you put a named driver on her insurance, like yourself this might bring it down.

 

[PK99]

Also if you put a named driver on her insurance, like yourself this might bring it down.

the 4k was with us on there!!!!!

 

[screenman]

At least you have not come up with the chestnut that goes, the car is only worth £2,000. Think of it on the bright side £2,000 but only £1200 if she has a no claims. I made my 3 boys save up and pay for it themselves, tough love I called it, they all drove at 17.

 

[Saluki]

It might be worth your daughter doing a Pass + course. The insurance companies like this. When I worked for Norwich Union, the premiums dropped by at least 10% because of passing the course.

 

[Profpointy]

the 4k was with us on there!!!!!

the suggestion was adding you (a so-say "mature adult") to hers; this may be seen as "a good thing", whilst adding her (a young hooligan as it were) to yours is "a bad thing"