insurance with learners--wtf??

[Asa-James]

my brothers just turned 17, so our old man decided to get him insured on my mum's agila 1.2 (16v yo!). the insurance company wanted an extra £2,000 a year to add him on. for a laugh i decided to see what it would be for him to be added onto my cav 1.8, and it works out at less than £200 a year, what the hell is with that!lol so i might insure him on it as an early xmas pressie

[NovaBoi92]

wow thats strange. 10x cheaper on a 1.8 then a 1.2 lol

[matt_vaughan]

1500 quid for me to go onto my mum's Smart forFour....

1300 quid for my own policy on my 1.2 nova....hmmmmmmmm

It was 2200 quid until I added my dad as SECOND driver.

Insurance is absolutely crazy, a lot of it is luck finding a decent quote.

[Asa-James]

thats what i thought, on a car 10x the size as well!

edit--@91sr

[NovaBoi92]

insurance is confusing. its going to cost me about 2 grand WITH my mum on the policy for a 1.2... and i have a mate who is 17 and owns a saxo VTR and the insurance costs him 1200 a year fully comp. wtf.

[Asa-James]

what are his excessis(sp?) though?

[NovaBoi92]

i didnt ask. but thats still stupidly cheap for a vts or vtr whichever one it was. and plus i live in the most expensive place regarding insurance prices. little while ago there was a thread on here about postcode risk calculator. mine came out highest :(

[marc novataken]

my nova cost me £800 a year. my 1.1 fiesta costs £1586 a year! but i can get insured on an e36 bmw 320 for £760 a year!!!!

[Benn]

No point adding him to anything as he wont build up no clames.

Alot of insureers dont like having leaners on "mum and dads" cause it means they can jump in a car they dont really know, load up with mates and then drive like a dick then write the car off.

[Asa-James]

No point adding him to anything as he wont build up no clames.

.


i can see where your coming from, but as he's a learner, theres no point in him having his own car as he has no idea how long it will be til he passes. also, as i'm with tesco's, as well as my parents, he builds up his own "tesco's" no claims, i was named with my dad for three years, now recieve three years no claims with tesco's and it's worked out well for me so far

[ade]

I work in car insurance and it goes like this. All companies have underwriting criteria that is based on risk. They younger (and older) a driver the biger the risk. Although a learner is in the car with someone theyre inexprienced most of the time (obviously) so the risk associated to the policy is HUGE.

Not only do they take the driver into account they also look at the car and location (as well as about 100 other things including what your credit rating is like!). The "older" the car you'll probably find it'll be cheaper simply because they'll just write the car off in the event of a claim. It's cheaper than repairing it. newer cars (less than 5 yrs old) will on the whole be repaired unless the damage is more than 60% of the cost of the car.

Many companies have specific driver excesses so you'll probably find for the cheaper quotes it'll be pretty high. Most work ona sliding scale - the younger/less experience - the higher. Many comapnies actually restrict some drivers with less than so many years for some cars simply because the stats show bigger/powerful/expensive car + inexperienced young (male) driver = bigger chance of accident.

It does depend on who you go with. Most "mainstream" companies (direct line, NU, Churchill Esure etc) usually focus on your "average" motorist - none to minimal mods, cleanish risk (perhaps 1 claim, 1 convistion) monimum 4+yrs NCD usually protected.

The more claims/convistions a policy has onit adding a new driver only increases the prmium further again due to the risk. If a policy holder who has a conviction/claim is "teaching" a new driver then this is also taken into account - bad habits etc.

Look for specialist insurers for newbies - they are out there and can save you a fair amount. you just need to shop about.

GOOD LUCK

[marc novataken]

but then how do insurers work out that im higher risk in 1.1 fiesta than 2 litre rwd bmw?

[MK999]

Some of the quotes are stupidly random like that, a couple of times me and my housemate have got quotes that were cheaper fully comp than tpft ! You'll probably find that that insurer has really bad crash statistics for 1.1 fiestas but nothing for the BMW? Did you get the quotes on different days? That usually effects it quite a bit too lol

[marc novataken]

na got bmw quote 2day just cos a mates selling his. loads of companies are like it though!

[burgo]

its because a cavvy is worth about 50p so as far as there concerned its already a write off no matter what happens to it where as the agila wont be

one thing that i thought was ****ed up with mine was when i was insured as a learner on my 1.3sr i was paying £1100 i think. yet when i passed they put it up by £100 to £1200 :(

[Jim Mcrae]

I'm paying £971 all mods declared on an XE at 19, not bad at all. I'm with Adrian Flux.

[MK999]

Have to have someone that's been driving at least 3 years and over 21 as a learner, soon as you pass 1 day later you can drive like a cnut all you like without someone saying slow down.

Instructors insurance is silly cheap for what it is, even though they are insured for anyone with L plates to drive them, for the same reason (I imagine anyway). My old instructor had a 1.6 or 1.8 focus (i forget, pulled more like a 1.6 though imo) insured for about £600 fully comp, when you consider everyone bar 1 person driving it is probably gonna have 0 experience that's pretty cheap lol

[Stuart]

Basically as a Learner you wont be doing high speeds, and you will be praticing low speed manouvers round parked cars etc so the risk for lots of dinks and small paint claims is high.... and Ade says, the newer the car the more expensive that paint claim option is.

It was actually more expensive to add me to my parents insurance AFTER I passed my test than before when I was learning in the same car lol

[Shaun_O'Donnell]

Instructors insurance is silly cheap for what it is, even though they are insured for anyone with L plates to drive them, for the same reason (I imagine anyway). My old instructor had a 1.6 or 1.8 focus (i forget, pulled more like a 1.6 though imo) insured for about £600 fully comp, when you consider everyone bar 1 person driving it is probably gonna have 0 experience that's pretty cheap lol

This is because there is a qualified advanced driver with duel controls able to take control should anything go wrong, plus, the most common accident involving tuition vehicles is normally other vehicles running into the back of them.


my brothers just turned 17, so our old man decided to get him insured on my mum's agila 1.2 (16v yo!). the insurance company wanted an extra £2,000 a year to add him on.

Was this what your Dad told your brother as he didn't really want him on the insurance in the first place? I was told something similar when I was learning to drive, then once I passed and got my own car they confessed as they didn't want me driving their car in the first place.

Parents huh!

[ade]

its because a cavvy is worth about 50p so as far as there concerned its already a write off no matter what happens to it where as the agila wont be

one thing that i thought was ****ed up with mine was when i was insured as a learner on my 1.3sr i was paying £1100 i think. yet when i passed they put it up by £100 to £1200 :(

It's gone up because after passing your test you are free to drive on your own and as such more likely to get in a prang with no one to help you.

[Shaun_O'Donnell]

Insurance rates are also based on "How Safe" a vehicle is. I am currently paying half the premium rate for a 1987 1.0 Nova on TPF+T than I was for a 2000MY 300bhp Impreza Fully Comp.

[Welsh Dan]

My better half passed her test in june last year, flux wanted another £500 or so to add her until the policy expired in september, we declined. Come september they wanted another £70 for a full year...

[Asa-James]

@ shaun--

the agila's a complete dog, damaged down one side where a motability bumped it before we got it cheap (very cheap!) so my dads not too fussed who drives it. hell, i drove it once, never again. the only car i've ever driven that understeers the opposite way to where you want to go!

[Jack]

1300 quid for my own policy on my 1.2 nova....hmmmmmmmm

It was 2200 quid until I added my dad as SECOND driver.

Insurance is absolutely crazy
Thats because they assume if a more experienced driver is also on the car, greater care of it will be taken.


wow thats strange. 10x cheaper on a 1.8 then a 1.2 lol
The Agila is newer, worth more, and has an engine almost as powerful as the cav. IIRC the 1.2 16v agila engine is ~85bhp? The cav is only 90.


insurance is confusing. its going to cost me about 2 grand WITH my mum on the policy for a 1.2... and i have a mate who is 17 and owns a saxo VTR and the insurance costs him 1200 a year fully comp. wtf.

and plus i live in the most expensive place regarding insurance prices. little while ago there was a thread on here about postcode risk calculator. mine came out highest :(
There's your answer then.


but then how do insurers work out that im higher risk in 1.1 fiesta than 2 litre rwd bmw?
Claim rate perhaps.


Some of the quotes are stupidly random like that, a couple of times me and my housemate have got quotes that were cheaper fully comp than tpft !
Set the voluntary excess to 0 and I bet it will be more expensive. And yes, it can depend even on what time of day you get the quote in some instances.


one thing that i thought was ****ed up with mine was when i was insured as a learner on my 1.3sr i was paying £1100 i think. yet when i passed they put it up by £100 to £1200
Learners have cheaper policies than fresh drivers, as the former will be accompanied by a driver of >21 (or is it 23 now?) with 3 years experience, so the general assumption is they're less likely to do something stupid than a fresh driver who's out on their own and thinks they know it all after having just passed their test.

Incidentally, there's an insurance forum. Which in about five seconds will contain this thread :p

[Shaun_O'Donnell]

as the former will be accompanied by a driver of >21 (or is it 23 now?) with 3 years experience,

Still just 21 RJ:thumb:

[dj_wudgey]

thats weird that like!!! its stupid that the 1.2 is moore expensive

[retrimmer-oz]

when i was learning in my nova 1.2 it was £1800 then when i passed it went up to £2000 :( then when i had 1 years no claims it went down to £1000 now ive nearly got 2 years :) bring on the xe!!