Slightly tounge in cheek, but can see the reasoning.

Daughter passed her test yesterday. Much delight and happiness.

It was short lived though when I started the marathon 5 hour task of ringing 'round and doing online quotes for her to drive her mothers 1.1 Hyundai Getz.

Cheapest of all the quotes...and there were many... was an eye watering £2700.

I knew prices had gone up, but this would have been sub £1000 just 2 years ago.

All the ususal excuses and apologies were forthcoming, but that isn't getting her on the road. We simply cannot afford such an astronomical amount for a piece of paper that we'll hopefully never use.

She is obviously worried that her new found skill is going to have to go into 'mothballs', as she can no longer drive AT ALL!

At least as a learner she was actually able to get behind the wheel with supervision, but not any longer.

The whole car insurance market, especially for teens, is now totally intolerable obscene and unacceptable, but they've got us all by the nuts.

Case of take it or leave it, we don't give a stuff.

Don't condone it at all, but can begin to unnderstand why some take the chance and drive without.

It is sickening. Brother paid 2k first year and 1.5k TPF&T on a Felicia! I still pay about £470 for my vRS. Said on the new this morning that unemployed people pay even more on insurance because they are "at risk" more. It's a joke! I'm convinced it's a plot to get everyone out of cars.

indeed, thats about the cost for young drivers now... and our unelected european union is about to force another law on you, which will stop discounts for female drivers, so it will go up for her too (or maybe the laws already gone through, which is why its so expensive..)

have you considered pass plus? I'm a pass plus registered instructor, and have seen people get discounts of over £1000...

1. it works, statistically pupils who do pass plus have less accidents

2. alot of insurance companies will give up to 30% off their premiums...

also, make sure you actually call the companies NOT just go on comparison websites, when my ex passed her test a couple of years ago, the websites were not allowing pass plus discounts on some quotes, but the insurance company would when you called them..

I charge £180 for pass plus, most insurance companies who operate discounts will give on average £300 - £500 off quotes of circa £1500

indeed, thats about the cost for young drivers now... and our unelected european union is about to force another law on you, which will stop discounts for female drivers, so it will go up for her too (or maybe the laws already gone through, which is why its so expensive..)

have you considered pass plus? I'm a pass plus registered instructor, and have seen people get discounts of over £1000...

1. it works, statistically pupils who do pass plus have less accidents

2. alot of insurance companies will give up to 30% off their premiums...

also, make sure you actually call the companies NOT just go on comparison websites, when my ex passed her test a couple of years ago, the websites were not allowing pass plus discounts on some quotes, but the insurance company would when you called them..

I charge £180 for pass plus, most insurance companies who operate discounts will give on average £300 - £500 off quotes of circa £1500

She's starting the Pass Plus course in two weeks rime.

I was so looking forwrd to taking her on a motorway tuition session this morning too, but that's all on hold now. She's well chocked off with the whole situation.

I rang Footman James yesterday, as a couple of years ago they were offering substantial discounts on a wide range of classic cars, eg. £500 premium for a Mini or even a V8 Range Rover!!

Everything on the list was over 25 years old.

Unforunately, the plug has been virtually pulled on that scheme now, the Morris Minor now being the only car still available on said scheme. Miss Ree is not interested as she feels as if she'll be laughed at.

Think it would be downright bloody cool myself like, but hey ho, I'm not 17 anymore. :'(

Go direct to admiral or elephant (same company but prices differ) cheapest for young drivers

Make her the main driver, then add yourself and your partner as named drivers (completely legal)

The insurance company sees this as less chance of her driving so cheaper premium!

I think you could get it for less than 1k

Ive just insured my 18 y/o girlfriend on a gp 31 golf gt tsi for 1200

Let me know how you get on

Go direct to admiral or elephant (same company but prices differ) cheapest for young drivers

Make her the main driver, then add yourself and your partner as named drivers (completely legal)

The insurance company sees this as less chance of her driving so cheaper premium!

I think you could get it for less than 1k

Ive just insured my 18 y/o girlfriend on a gp 31 golf gt tsi for 1200

Let me know how you get on

Wow! That actually seemed to work...adding both of us rather than just her mother.

The car's only worth a grand I reckon, so did it TPF&T with a grand excess, so in other words, no payout if she writes it off,, and the premium came down a staggering £1300!!

However, just re-checled the comparison site and dragged the quotation reference number up, and it's gone back up by £200, all in the space of 2 hours!

Do these insurance companies work in the same manner as the stock market, 'cus I'm totally baffled now tbqh.

Did you try admiral and elephant?

You'll probs find tpft is more expensive than fully comp

Did you try admiral and elephant?

You'll probs find tpft is more expensive than fully comp

Yup Jase. Admiral came out over a grand cheaper than earlier too, in 3rd place.

Fully comp was actually slightly dearer suprisingly, as as you say, it's uaually cheaper for some other inexplicable reason. :no:

Just for a laugh, I typed in for a quote for her on the vRS, and that came out at just £2100!!

Absolutely NO chance of that happening though,regardless of cost.

Still cannot for the life of me understand why these figures seemingly change by the hour, especially on a Saturday night.

Edited 21 January, 201214 yr by Mr Ree

They will be changing as your credit record is changing every time you get a quote.

This is something they don't tell you.

If you do too many quotes you'll also affect your wifes and your insurance and other things too because of the number of checks on your credit record.

Holy poop /\ coning foooks!!

yep I only found that out after I'd bumped my own insurance £250 for the year

Insurance world is full of conning pricks as you don't have a choice you need to have it legaly so they have you buy the balls either way. :'(

Make her the main driver, then add yourself and your partner as named drivers (completely legal)

this is good advice, and it works... as long as she's the main driver , and you are occasional driver

(I had forgotten this, did it with my ex and it knocked a fair few quid off)

I`v read that before and it was dis-proven.

I`v never agreed to have a credit check when getting an insurance quote, and that is something they have to ask you, they cant just do it. By your logic & the amount of quotes I have got over the years my credit score would be rock bottom and my insurance would be sky high, but this isnt the case.

I`m unsure as to why your quotes are changing but i`m pretty sure that credit checks are not the reason.

My sister (student, B postcode) passed a while ago - 17, on a 1.2 Corsa C - £600! Where's the justice in that?!

As for the quote changes - DirectLine told me it was in relation to the stock market - although that's shut on a Saturday of course.

A couple of other little things - saying she only does 3,000 miles a year could cost more than saying she does 10,000, as they seem to assume you're less familiar with the car. Of course, if you go too high it'll get more expensive again. Try a few quotes till you find a nice middle ground. (What I'm having with the Polo - low miles and it being a 2nd car, with my dad using it more than me make it more expensive than it would be if I used it constantly. -_- )

Also, the Admiral 10 month scheme is more expensive in the long run - stick with the 12month NCB things.

As a matter of interest, try asking Admiral if the time she held her provisional license counts, as I think they said it did with my sister - and those 3/4months make a BIG difference! If not, can you/she hold out a month, see what reduction that has?

My parents found it cheaper to cancel their DirectLine policy, and move over to a multicar policy with Admiral with me. Saved me money too - might be worth looking into? (They pay £75 inc. mods on my Polo GTi! In contrast their standard 1.6 Focus costs around £215. Madness!)

If I think of anything else, I'll post it up, but they're my main findings.

Good luck - I know your pain!

Edited 21 January, 201214 yr by TriggerFish

Next door used to get all mine when I was hunting for quotes when I was 17. At the time the house was empty so thought it fine for any junk mail to go there

I`v read that before and it was dis-proven.

I`v never agreed to have a credit check when getting an insurance quote, and that is something they have to ask you, they cant just do it. By your logic & the amount of quotes I have got over the years my credit score would be rock bottom and my insurance would be sky high, but this isnt the case.

I`m unsure as to why your quotes are changing but i`m pretty sure that credit checks are not the reason.

I agree, judging by what i was either told on line or by 'phone yesterday...can't remember now as there were that many quotes being sought.

Yes, I do remember being told that even though they would be doing a credit check, it definately wouldn't affect my credit rating.

Do I actually believe then though?

Well that's open for discussion and debate, as I've never had to deal with such a devious money grabbing, make the rules up as you go along industry in all of my life.

Absolutely hate loathe and destest them. Even lower than Customs and Revenue now.

Edited 21 January, 201214 yr by Mr Ree

I`v read that before and it was dis-proven.

I`v never agreed to have a credit check when getting an insurance quote, and that is something they have to ask you, they cant just do it. By your logic & the amount of quotes I have got over the years my credit score would be rock bottom and my insurance would be sky high, but this isnt the case.

I`m unsure as to why your quotes are changing but i`m pretty sure that credit checks are not the reason.

Matt why do you think you have to agree to a credit check? Also if you do its probably covered in the small print somewhere. All I can say is that after getting a lot of quotes for diffrent cars when looking at what to replace my last car with did show an increase in activity on my credit record.

My sister (student, B postcode) passed a while ago - 17, on a 1.2 Corsa C - £600! Where's the justice in that?!

As for the quote changes - DirectLine told me it was in relation to the stock market - although that's shut on a Saturday of course.

A couple of other little things - saying she only does 3,000 miles a year could cost more than saying she does 10,000, as they seem to assume you're less familiar with the car. Of course, if you go too high it'll get more expensive again. Try a few quotes till you find a nice middle ground. (What I'm having with the Polo - low miles and it being a 2nd car, with my dad using it more than me make it more expensive than it would be if I used it constantly. -_- )

Also, the Admiral 10 month scheme is more expensive in the long run - stick with the 12month NCB things.

As a matter of interest, try asking Admiral if the time she held her provisional license counts, as I think they said it did with my sister - and those 3/4months make a BIG difference! If not, can you/she hold out a month, see what reduction that has?

My parents found it cheaper to cancel their DirectLine policy, and move over to a multicar policy with Admiral with me. Saved me money too - might be worth looking into? (They pay £75 inc. mods on my Polo GTi! In contrast their standard 1.6 Focus costs around £215. Madness!)

If I think of anything else, I'll post it up, but they're my main findings.

Good luck - I know your pain!

Excellent stuff there Trig's, again!

Seem to remember you coming up with loads of stuff when my son was going through all this 2 years ago.

So so many 'tricks' that you have to be switched onto to obtain the best deal. An absolute minefield and headache inducing grief. I'm absolutely knackered with the hours of 'phone calls and online quote requests that I've done so far.

I'll persevere though, and hope I'll get some thanks for the efforts whilst she's out partying.

Isn't this supposedly what dads are for though? :think:

I'll persevere though, and hope I'll get some thanks for the efforts whilst she's out partying.

Isn't this supposedly what dads are for though? :think:

Sounds much like my sister!

I did try to help with your son - I'd done the same thing only recently then too.

Plus any money I can get away from the pockets of insurance firms the better. I don't think there's a single industry I dislike more if I'm honest - except maybe personal injury lawyers etc.

If it helps - Bell and Elephant are Admiral sister fims, but tend to do without things like hire cars etc which knock around £30 off. A tiny %age, but 'every little helps' 'ey?

Matt why do you think you have to agree to a credit check? Also if you do its probably covered in the small print somewhere.

My Mrs & her mum works in a bank, her aunt in insurance (all be it not motor) and both agreed with me. They said until the point of asking to pay over the year there is no reason to do one!

Just this evening I took a phone contract out, in big letters with a box I had to tick "You agree to a credit check" "YES" > [ ] As I say, in the past 5 years of getting silly random quotes over the years iv never had any credit issues on my record. Just my experience & understanding of it.

Meanwhile, some foreign thieving scum have been fleecing thousands it seems, and leaving them wide open for prosecution and potential disaster.

Sincerley hope no one in here is with this bunch of crooks.

http://www.bbc.co.uk/news/uk-england-leicestershire-16523957

Have you tried brokers rather than the websites.

It may also be worth checking out some of the Irish brokers.

My Aunt did this when my cousin passed his test a couple of years ago and the difference was unreal.

I know they have gone up a bump since but they were getting quoted £2500 for a corsa and got it down to £800 ish.

May be worth a try.

Seems to be some good advice here and some scary stuff!

I think all you can do is check the comparison sites, check the dealer sites and the phone round various dealers as well. There are some things which you can do to make yourself look less of a risk, such as getting someone older or more experienced on the policy, get an advanced driving qual. However making someone else the main driver, who is not, is called fronting and will invalidate your insurance if they find out.

One thing I have heard about is getting your cover limited to certain hours of the day, ie avoid late nights and early hours, which can apparently make a reasonable difference.

Not sure that running round lots of places will bump up your quote, when I get quotes I am given a reference number which keeps the price for 30ish days. If you just go back and run the numbers again it will probably change as they have live databases of risk and other stuff. Wife got caught out by that a while back but only made a few quid difference.

I've found admiral ok, they are far cheaper for my brother who is on a provisional (which for the record is cheaper than when he passes!). Might be worth going down the multi-car route.

Insurance for all is a joke at the moment, after my brothers car just failed its MOT I've been looking at cars, anything thats under £500 on autotrader. Some of the quotes have been a total joke! Even adding parents to the policy. - For example myself 318 coupe 95N worth £500 came back as £890 a year!! 14NCB no fault accidents. With adding my brother that jumped it 2800!

As for credit checks, they do carry them out even if you do not take out insurance. Atleast I've had a few checks done on me (checked via experian) by admiral, last one for being a name driver on my mother policy! I'm not saying its right or general practice but this is my experience

Have you tried brokers rather than the websites.

It may also be worth checking out some of the Irish brokers.

My Aunt did this when my cousin passed his test a couple of years ago and the difference was unreal.

I know they have gone up a bump since but they were getting quoted £2500 for a corsa and got it down to £800 ish.

May be worth a try.

What's the script on checking out the Irish brokers then?

That IS a new one on me.