Car Insurance for 17 year old

[The Happy Humanist]

Hi
Looking for some recommendations or advice if anyone has encountered a similar problem to the following;
I just tried to put my son's name on my insurance policy for him to learn to drive, Obviously he would be supervised the whole time as he is a learner. I have never had a conviction in 30 years of driving and only claimed once on insurance when a chimney stack fell on my bonnet from an Edinburgh tenement, 15 years ago.
The car is a VW Sharan, 7 seater, big old bus basically.:lol:
The company won't insure anyone of that age for the engine size it has.
Seems daft to me as big boys in wee cars can go very fast too, but the company were very kind but adamant.
Before I go phoning round loads of others, just wondered of any other big families had come across this and had they found a reasonable quote anywhere.
Thanks
Kate

[Alice in Blunderland]

I found it cheaper to buy a small cheapish car and insure the kids on that. I didn't even consider getting them insured for our Galaxy as I knew it was going to be a no-no.

[Green_not_greed]

As Alice, bought a cheap small-engined run around. The cost of the car plus first year's insurance was a lot less that insuring my own car for my daughter!

[Beat Bug]

I agree with Alice. Then when he passes his test, he already has a car he's familiar with. Try the insurance comparison sites, all of them, as sometimes there is a different price for the same insurer!

[The Happy Humanist]

Thanks for the good ideas folks but just don't have the resources for another vehicle now and he certainly won't when he passes... will try kind Grandad and his wee kia!

[Dadie]

Poor grandad!
His nerves will get shot to pieces.
But it may be less stressful for grandad to take him out than you:lol:
At least you wont have to be in the car to see his mistakes and gear crunching!

[DrChin]

These people specialise in insurance for 17 year olds, here is a link to their site. :-

http://www.i-kube.co.uk/?gclid=CNDQ5Ov06aYCFUENfAodUHg35g

Hope it helps :D

[The Happy Humanist]

Afraid when I tried them Dr.C, they said they would insure him when he passes ( not likely with no practice!) but not me to teach him.
Thanks for giving us a good laugh Dadie!
i'll keep you posted if I find anything useful
Thanks again
kate

[Wick66]

Try www.provisionalmarmalade.com (http://www.provisionalmarmalade.com). I have my son with them. Hetakes out his own policy on your car. It costs about £95 per month or £180 for two months or £240 for three months. They can them renew the policy if they have not passed their test in this time. If they pass their test then any full months insurance not used will be refunded. If they do have a prang in your car then it will not affect your insurance.

[oldmarine]

Some good comments on this thread. I had the same problems while raising my four children. I had to bite the bullet and comply with the insurance company's dictates until they were grown and out on their own. I do believe it has gotten worse since the time when I was raising my children.

[The Happy Humanist]

I think it has got a bit worse, but its nice to hear that parents have been battling this for a few generations.... and it makes me appreciate Grandad even more, as he obviously funded me at 17 more than I realised!!
It's always good to get your point of view Oldmarine, I enjoy your posts and they always make me think.
All the best
kate

[Tony]

Boys are more expensive than girls for insurance. Had this problem before and insured my son with Collingwood Insurance. This company only covers learner drivers under supervision until they pass. Once passed then they will not insure him and will need another. Imagine just passing your test and not being able to drive. Use the company until you can find a cheaper one as you have to pay on a monthly basis with a declaration each month that nothing has changed and no dents lol. Will get him started at least. I would suggest a little 1.1 litre half descent car to get him passed inorder to keep costs down until some history obtained. Pass plus is also as option to help keep costs down a little but at the time the majority of insurers were not in the scheme and those that were had high prices anyway.
http://www.collingwoodlearners.co.uk/

This one will insure him but will not be permitted to use the car between 23.00 and 07.00 unless willing to pay extra and a tracking device is fitted so that they know it is being used out of hours. Don't know how this would work for your car though as normally geared to your sons car.

http://www.i-kube.co.uk/ As already suggested.

[pottheed]

keep trying different companies, admiral were good for me. I managed to get cheaper quotes for a 2.0 diesel citroen picasso than a 1L corsa so i got the picasso :)

[ducati]

I took it for granted when my parents paid for lessons, insured the car, my dad took the time to practice with me. They did the same for my three sisters too. I can't imagine how much it cost even in the old days :lol:. Let me see what was the car my dad had? It would have been new as it was a company car, I learned (my instructors car) in a Datsun 120Y.

Ah yes it was an Austin 1800 or 2200. I guess they thought it would get me off the motorbike. It didn't :cool:

[The Happy Humanist]

Lovely, Ducati! Happy memories for you, can't remember what my instructor had but the goal was to drive my ex- polis Morris Minor, that I had bought from the next door neighbour with £100 my granny had left me. It was dear then, but I could afford the insurance and the petrol on Saturday job in a jeans shop in Princes' Street.... aah I feel a wave of nostalgic posts and sarcastic jokes about change from a shilling coming on.... lets turn this into a cheerier thread about our first cars, as it looks like the boy will never get the chance to learn till he's 30 anyway!!
What was yours and why did you love it.... by the way mine was called Hambel after the doll on Playschool (that ages me then!)

[Dadie]

I remember my driving lessons with my parents really well, expecially the ones that involved doors slamming and going off in a huff..usually followed by a long walk home......Mum taking me out was the worst...and the longest walks...
My first car was bought for me by my hubby to learn in as he wouldnt let me near his car, it was a fiat cincicento and when someone ran into it (it was parked) the nice poeple at work joked that if the other wing mirror had been broken as well it would have been a right off!
I abandoned it once after passing my test as a great big spider decided to drop from the rear view mirror at me!
(I dont do spiders!)

[ducati]

Talking of Driving Instructors, I had BSM (Bert's School of Motoring) He taught my three sisters and my mum and I to drive then he died :eek:

I hope we had nothing to do with it.

[orkneycadian]

None of this parental help when we were 17! With myself and siblings, we learned how to drive in fields and on tractors when we were old enough to reach the pedals, then if we wanted independence on the roads in cars or motorbikes come 16/17, it was down to us to buy the vehicle, pass the tests and get the insurance!

Learning to deal with insurance companies is part of learning to drive, so I would toss them the yellow pages and tell them to get on with it!

[silversurfer]

We insured son on a Fiesta 1.4 Zetec with Swiftcover (the best quote we could get after numerous refusals) - and on second renewal the price has come down by 30%.
Be prepared - when you contact them on the great day that he passes his test to update the details, almost certainly the premium will go up!

[The Happy Humanist]

Try www.provisionalmarmalade.com (http://www.provisionalmarmalade.com). I have my son with them. Hetakes out his own policy on your car. It costs about £95 per month or £180 for two months or £240 for three months. They can them renew the policy if they have not passed their test in this time. If they pass their test then any full months insurance not used will be refunded. If they do have a prang in your car then it will not affect your insurance.

Thanks a lot, I'll check this out as it looks like it might be the only affordable option for us, grandad's car is likely to be astronomical price too..... this'll take half his wages but its kind of pay as you go :-) and a brilliant idea to protect my own no claims.
Good luck to your son when the test time comes.
Cheers
Kate