Help on insurance for cars for 18yr old girls

My step daughter hopes to pass her driving test soon and is looking for her first car, something like an 8v 1ltr corsa.

So far the best quote is £1314 TPO!! FFS sake I want to insure a car not pay their fekin bonuses!!

Any ideas where to get cheap insurance??

Cheers

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You can go fast - I can go anywhere - Africa Twin - The original original.

When Miss TC started driving the only way we found to get her affordable insurance was to put her on Mrs TC's car as a named driver. She doesn't get NCB of course, and you may have to get a little creative with who the main driver is, but it's one approach until she's a couple of years older and the premiums come down.

You may also find that FC is cheaper than TPO/TPFT simply because there are so many more people competing to offer it.

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Never break more than one law at a time, and never carry more grass than you are willing to eat.

When my daughter started she went with Norwich Union's black box insurance. Not sure if they still do it but it might be worth looking at.

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www.needhamaccountancy.com

I have Jenny as named driver on my car insurance with Tesco and they offered 1 year NCB for her if she insures with them in her own right at the end of it.

Her 1.4 Escort was £1164 fully comp when she first passed

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Don't tell me I can't!

Does 'stupid' exceedingly well.

Get more creative with the cars you're considering, too. There's more to the premiums than just insurance group.

Corsas, Clios and Saxos are popular first cars, and are often crashed. You may find a Cinquecento, Metro or Hyundai Accent cheaper to insure.

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James May:
I’d like to declare the Honda Cub to be the greatest machine of all time;
Nay, the single most influential product of humankind’s creativity.

Popular for a reason, one being low insurance groupings. And not a POS unlike a Cinquecento, Metro or Hyundai Accent.

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Never break more than one law at a time, and never carry more grass than you are willing to eat.

But I've found those cars MILES cheaper to insure for teenagers, than Corsas.

Want a trendy car? Pay more for insurance.

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James May:
I’d like to declare the Honda Cub to be the greatest machine of all time;
Nay, the single most influential product of humankind’s creativity.

Look, I've barely survived talking her out of a Golf FFS

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Never break more than one law at a time, and never carry more grass than you are willing to eat.

Get her a nice little Rover. Cheap as chips. YKIMS.

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James May:
I’d like to declare the Honda Cub to be the greatest machine of all time;
Nay, the single most influential product of humankind’s creativity.

18 year old step daughter you say?!

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Pervert!

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You can go fast - I can go anywhere - Africa Twin - The original original.

A couple of points on this.

Firstly if you insure a car in your name and add your daughter to the policy as a named driver, when she is in fact the main user, then you are committing insurance fraud.

It's known as "fronting" in insurance terms and is a fundamental breach of the terms of any policy. The question is "Who will be the main driver, not whose name do you want to put the policy in to keep the premium down. Insurance fraud is a criminal offence and identifying it is very easy, as any accident will have your daughter at the wheel when it happens, the follow through from the insurer is not nice and invariably ends in the policy being voided from inception. In extreme cases it can end in a criminal prosecution for fraud and the associated criminal record for all concerned.

So the question is, is it worth it to save a couple of hundred quid?

Guardian article

Google "Insurance fronting" and there will be lots more warnings about this.

The reason insurance premiums are so "high" for young drivers is their propensity to crash. Sometimes they manage to do this all their own, but most often they manage to hit somebody else, or injure the passengers.

This is the key to an insurance premium, it is not related to the damage you can do to your vehicle, but the damage you can do with it.

Bearing in mind, that the most minor of accidents usually involve a whiplash claim then this can cost c£1500 to compensate along with £4000 in solicitors fees and associated operational costs.

The worst one I've had for a while was delivered this month where a premium of £875 for a 21 year-old has resulted in a claim with an estimated reserve of £2.5million. They managed to roll the car and one of the three passengers has brain damage as a result.

The passenger (another 21 year old) wasn't wearing a seatbelt so the court will reduce any payout by c10% due to contributory negligence, but the payout will top £2million and the solicitors £300k, the balance is for the other passengers broken arms / legs etc.

It might be a little painful for the parent of the driver had that policy been done on a fronting case as the insurer could go back and recover the money off them. Bankruptcy doesn't work either as the debt rolls on and can be continually refreshed.

You seriously think with his reduced eyesight he can see that?

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Do not rely on anything I have said. Ever.
Looking for ZZR600 E parts?

dunno why it's so small! Mind you she is only 5'

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You can go fast - I can go anywhere - Africa Twin - The original original.

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