£3.5K car insurance quote for teenage son ??

Try a quote for a 1 litre hatchback.

I just tried a quote for a 2007 Peugeot 207 and it's still £2.5K

Anything beginning with Lexus will be expensive for a new driver. Surprised they are even offering cover.

You need bog standard Fiesta/Yaris/Swift/boring car!!

Learner insurance sounds dear too - try Marmalade.

I take it that you are on the insurance too and it’s tracked etc ?

I just tried a quote for a 2007 Peugeot 207 and it’s still £2.5K

You’ve saved £1k then!

Think we paid £1.6k for my daughter without tracker on a 10 plate base model Fiesta.

@FunckyDunc Yes I am, not sure if it's tracked, I used gocompare.

@the-muffin-man I have indeed, but then I need to add the insurance of the Lexus (around £700 with me and wife) plus the servicing costs of the new car, plus the cost of the new car. If the insurance of the second car was around £1000 it would make more sense.

Think outside the box, buy something like a cheap Mondeo, something young people don't tend to crash.

It's always cheaper to add to a parents policy (£70 it is per year to add me)

No I do not do cars, only motorcycles full and trained to a high advanced grade.

Bitd when 17 yrs I had quote on a 1.6ltr old skool bug for £1700 comp

Have you tried freestanding young driver insurance. We are using Marmalade to insure my 17 year old.

Let me try marmalade again, I think they didn't even want to insure him.

It’s the Lexus that’s the problem. It’s really not a good first car. Why a Lexus anyway?

Seems like Marmalade PAYG is about £1000 for 500 miles, I don't think he'll drive more than that, thanks for the tip.

Full cover just for him is around £6k.

It’s the Lexus that’s the problem. It’s not a good first car. Why a Lexus anyway?

It's the only car we have...

Have a look at Elephant as well.
They do stand alone learner insurance and policies for new drivers. My daughter passed her test in July and we are paying about £1,200 for her 16 reg Fabia with her as the policy holder and me, my wife and son as named drivers on the policy.

Always been the case. Even with a 12 year old 1.0L Corsa it will be thousands for the first year. When I passed 11 years ago I didn't get a car until 5 years after that as it just wasn't worth the price.

We got my lad an underpowered Fabia, cost him £1200 once he'd passed his test, without a black box, with Admiral

Just had his renewal quote, 2 years NCD, now down to £750, we've actually gone to a multicar policy as the overall combined price was better. Still can't afford to add him on one of our cars though.

His mate has a similar age, equally underpowered Corsa, costs him twice as much. The risk profile for youngsters in Fabias versus Corsas is obvious.

Well, thats at least one thing that hasn't gone up much over the years.

Was well over 2k to insure me on a rusty old panda with 100k on the clock and a top speed of about 43mph, 900cc or something. That was 30 years ago. In a low crime area.
The much newer fiesta that replaced it after ~6 months was knocking on for 3k.
Think i only covered about 5000 miles in both cars combined.
The second i didn't need a car i sold it.
Didn't have another one until after uni, which cost me about £500 to insure (an Astra 1.3S)

Get something that no kid would be seen dead in, fabia estate, honda jazz, and the lowest powered engine you can find.

Best cars when i was younger were things like old allegros, volvo 440/60/80, pretty cheap to insure, as no one would be seen dead in one.

Try an older Micra for a more sensible quote, you want something none of the other kids drive with a small engine. BITD anyone driving a Saxo used to have a huge premium nowadays a Corsa/Fiesta is the one the cool kids have. Also have a look at a Smart 2 seater that way only one other person in the car to egg him on instead of 2 or 3 over-riding the common sense that most have at that age but don't use because their mates.

I might sell the Lexus and just get a Fabia for us all ... gonna try quotes with it.

With PAYG it's around £900 vs the £1100 of the Lexus, so not that much of a difference.

Also look at 2 seater cars like the Vauxhall Tigra. A significant part of the risk is paying the ongoing medical costs of the people in the car when it smashes into a tree. If there is only one passenger seat rather than 4 the risk reduces significantly.

When my partners daughter got her first car the 1.4 Corsa was 2.5k to insure, the 1.4 Tigra which she bought was 1.3k

Just a thought.

Lol, a Smart for 2 is around 8k to insure with me in the policy.
A Tigra is 4k.

My lad was £1600 in a 1.4 turbo Corsa which should tick all the boy racer boxes. He had a pretty fair black box fitted by co op young drivers, they even gave us £180 back dir to him sticking to the rules.

Me and his mum were both on insurance.

This was 4 years ago.

Does he need need to drive yet? It will save fortune to wait. 17 year old cash a lot so it’s expensive

He doesn't need to, but it's one of those things that it's better to get out of the way sooner rather than later I believe, we could wait one more year maybe.

So fat I believe the PAYG £1000 quote from Marmalade is quite sensible.

I also think it is the car. My sons insurance to learn was only a few hundred. Once he had passed it was £700. It's a 1L Nissan Micra. His friend has a Focus and it £2K.

The Micra is not a cool car, and tyres are expensive, but both of these things matter less when the insurance is only £700.

NB - It's his car and insurance. We added my wife and I as named drivers on the insurance companies recommendation.

EDIT - No Black box either unlike his Focus driving friend.

Lol, a Smart for 2 is around 8k to insure with me in the policy.
A Tigra is 4k.

Wow. I've just run it through GoCompare and for my fictional 17 year old daughter the Tiagra is 1100 and a Jazz of the same value is 1250.

Daughter just passed - about £1100 for a new policy with her on 1.6 cactus

We're in a very safe neighborhood. Full NCB, no points ever or accidents for 6 years.
2x 47 year olds, fully comp and business use

1.4 16v Seat Ibiza Estate.

Just us = £178.
Us + newly passed son at 17 = £1350.
Us + 2 year passed son and another newly passed son = £980.
Us + 2.5 year passed son, a year passed son and learner = £680

Eldest after 1.5 years driving on our Admiral multicar added his own Transit camper conversion - £780 for him and us two.

Admiral allow both learners and any named driver to collect NCB, including before they pass, and add a car to the multicover. Saved eldest on his transit £800+

Wow. I’ve just run it through GoCompare and for my fictional 17 year old daughter the Tiagra is 1100 and a Jazz of the same value is 1250.

It must be the postcode then, try CR4 2AA

If it’s the only car you’ve got, why are you trying to insure it in his name (least, s sounds like that’s what tire trying to do).

To add: we also found some 'small and fun' cars were a lot more to insure.
Fiesta, Aygo, Polo - particularly if they were vaguely shporty...

Old, beige, grandad car with no turbo or street cred = a couple of hundred less.

If it’s the only car you’ve got, why are you trying to insure it in his name (least, s sounds like that’s what tire trying to do).

Sorry if it sounded like that, we’re adding him to our current insurance as a named driver.

£950 Mitsu Colt 57 plate for my daughter is £1100 with Hastings, on a telemetry box policy. Which took a while before it stopped pinging her for excessive braking, now she scores pretty well on all of it.

He doesn’t need to, but it’s one of those things that it’s better to get out of the way sooner rather than later I believe, we could wait one more year maybe.

There isn't any real advantage to it beyond being able to drive.

Back when it was me I just got my CBT and a 125 to get arround on as it was so much cheaper, and that was only because school was ~20miles away so it was the only viable option. Getting a car insured would have been a years wages in a Saturday job!

A year later I was at uni, and no one wants to be the person with a car at uni 🤣. Once out of uni my insurance was barely more than friends who supposedly had NCD.

I think I’ll get an insurance that allows him to drive with his provisional license and then once he passes his exam, wait until he’s back from uni and insure him.

My daughter has a 2008 Citroen C1 with a black box, was around £800 for her 1st year both myself and wife named drivers, insured with low mileage as the black box rewards extra free miles for good driving, 2nd year price around £350 plus carried 2k of free miles over from first year.

My son, for a laugh got a quote on my 2002 Nissan Primera, £4k and over.

He got a Fabia 15 plate and that was about a grand.

We've bought a 60 plate Aygo for daughter, £650ish on provisional.

Does he need need to drive yet? It will save fortune to wait. 17 year old cash a lot so it’s expensive

Don't wait to pass the test.
Maybe wait to get a car afterwards.
If he waits a year or two and then ticks the box for had licence two years that will be loads cheaper than being 19 and a new driver (some refresher lessons might help if he does that)
Other options which might help him get a lower premium are moving house to somewhere safer (I can recommend rural Lincolnshire, insurers love it) or a sex change operation, insurers prefer girls

Sounds high but as above I’ve always understood Lexus’ (Lexi?🤔😉) to be expensive to insure (v expensive parts).

Son 17 recently passed, 1.3 old Yaris, him as primary driver, me and Mrs Pedlad on as drivers. Black box but just for speed no curfew or accelerometer, 3000 miles pa (500 isn’t worth bothering with IMHO) £1560 paid up front🙄 as 300 more for monthly.

Bloody expensive but hoping he keeps it on the road and it drops massively next year.

Try Adrian flux.

Buy anything BUT a Vauxhall of any model especially their absolute heavy shite handling tigra convertible.

My mum's engine burnt out and exploded on a new purchase 1 month or so in to ownership going up a slight incline.
To add, my mum was not ragging it round or heavy clutching etc.

Maybe a friday special :/ though always hated shitty Vauxhall brand lol

Shitest car ever! Fact and nothing will tell me different though 👌

Ford Puma 1.6 ltre 16V was flippin unreal in a great way until someone wrote it off by way if forcing mum into centre of a motorway then drove off without stopping.

I genuinely would recommend a Fabia 1.2ltr petrol Auto if needs be.
So smooth, great handling direct drive and very cheap to run with no road tax.
Even has Sports mode which you can here difference and feel. Though mainly use in D mode as smoother direct quieter drive.

Or a slightly older Ford (any model).
Maybe treat yourself to a new Mondeo which looks lively practical vehicle.
With what you sell that Lexus thing.

GL with it all yh 👍

Waiting a few years will definitely help if possible, if you want to drive straight after passing then it's going to be expensive for a bit. I think I only ever paid >£1k for one year (1.2 8v Punto), as soon as you've got that first year of NCB it will get a lot more reasonable. I think I paid less to insure a Civic type R at 21 than I did for the Punto at 18

Not helpful, but the Lexus sounds expensive in the first place, £700 for you and your wife sounds like a lot. We pay £400 for a 2015 Seat Leon FR

Oooooo Seat Leon or Cupra chipped - now there's an idea.

🤣

Learning to drive is one thing - by all means get that done as soon as convenient - but there’s no point insuring him to drive before he has any good reason to, and at that point he might well have moved out and be buying his own car and insurance.

I think I was about 24 before I got a car, and insuring the micra in my own name wasn’t very expensive.

It was a while ago but when I learned you could knock down the insurance price by doing things like pass plus. Does anything like that still exist and have a noticeable effect? Added benefit of more training as well.

Try putting on a quote with your son as the main driver of the Lexus and you as the second/additional. The insurance companies really don't like 'fronting' where the parent is the main driver to reduce the premium so they may be bumping up the quote. The only issue is that if you are, in reality, the main driver, you are fronting by putting your son as the main driver, but I'm sure they won't be looking for that.

My insurance also went down when I added my girlfriend as a second driver (years ago) as the risk profile went down.

If it’s the only car you’ve got, why are you trying to insure it in his name (least, s sounds like that’s what tire trying to do).

I see you said you're putting him on it as a named driver. When we had this issue a few years ago it was cheaper to have new driver as the policy holder and me and the missis as named drivers.

Weather that would work with your risk profile, I have no idea.

20 years ago my 18 year old mates had £1000 and their insurance was £1500.

I've no idea what a 10 year old Lexus is worth -£2500 to £3500? So it's not like insurers and put the value of car to cost of insurance up.

Im the first member of my family to make it to 20 without writing a car off. I didn't get my licence until I was 24

I’ve no idea what a 10 year old Lexus is worth -£2500 to £3500?

Value of the insured car is not a huge factor, the main risks are personal injury claims, passenger claims, and damage to the £60k Audi they just ploughed into.

It must be the postcode then, try CR4 2AA

Yes that does change things enormously. I'm rural Perthshire, so I suspect the loading for theft and vandalism is the overriding risk for an unusual car where you are. There's not much of that up here...

Try putting on a quote with your son as the main driver of the Lexus and you as the second/additional. The insurance companies really don’t like ‘fronting’ where the parent is the main driver to reduce the premium so they may be bumping up the quote. The only issue is that if you are, in reality, the main driver, you are fronting by putting your son as the main driver, but I’m sure they won’t be looking for that.

I’ve just borrowed my dads car for while I’m mine is being serviced. I’m a named driver in his policy. But his policy won’t show me to commute in his car. Do yesterday we made a zero cost swap to the car being in my name with his as named driver, this will allow me to commute in his car

If course they’ll only notice if I make a claim. But if I had a big claim on his insurance close to my work or in my work car park I think they would investigate

It was 1.8K for my lad with a 1.2 corsa. As above I’m amazed he got a quote for a Lexus!

We went through a similar scenario. 17 yr old son passed his test whilst doing his A levels. We told him we would save up and help him buy a decent car when he left Uni. He’s now 20 and on his final year. It just didn’t make sense to buy him a car at that age when he would be spending the next 3yrs back and forward on the train and the parking is a nightmare at his student digs anyway. He just chips in for petrol with his mates and they seem more than happy and he never has to drive. When he is home we pay for temp insurance if he needs it but we mainly act as his taxi anyway. When he leaves Uni he’ll be 21 a bit more mature hopefully and ready to own his own car and pay for the up keep.

How much will he be driving once pasted. I insure my son (still learning) by the day. Usually about £10 for 24 hrs.

Maybe a cheaper option?

Not much, what insurer are you using?

Learning to drive is one thing – by all means get that done as soon as convenient – but there’s no point insuring him to drive before he has any good reason to, and at that point he might well have moved out and be buying his own car and insurance.

OK, we had a small windfall that bought him a shitty runaround car, but he's now 19, has two years no claims which has halved his premium, he can take himself to his girlfriends, gets himself to his summer factory job for 6am starts, and as he can't take it to uni, I get a cheaper commuter in term time.

Our daughter didn't pass her test until she was 18. We looked into quotes and insurance groups before buying her a 1 litre (75bhp) Fabia. Group 3 insurance and less than £900 with Hastings. No curfew or black box, limited to 10,000 miles per year. The same model /power/ trim VW Polo is Gp9 insurance, so it's worth checking these things out. I've fitted a front and rear dashcam, as much to let her know she's being watched as for monitoring others.

https://quote.veygo.com/start

£10 / day for a 1.2 Panda in Bristol.

around £700 with me and wife

You're already at 3x what I pay for a nearly new 3 series so I'm guessing you're in a expensive (postcode) area. This won't help as it'll factor up for your son too.

We put three teenage sons through the driving test, not one of them did we have learn with us - save your money and pay for the lessons IMO.

As for post-test - wait until he's passed and then look. Also add yourself/wide as a named driver onto his policy (post test), that should bring down the price conseiderably.

If the policy is going to be in his name rather than adding him to your policy then try adding a grandparent as a named driver. Even though his gran lived at a different address and was never going to drive it the policy came down by £600 ( to only £1800 for a panda). That was 10 years ago so things may have changed.....

If the policy is going to be in his name rather than adding him to your policy then try adding a grandparent as a named driver.

Careful with this as once past 70 y/o insurance starts going up again - when I had a new 435d my insurance was less than my Mum's was for her Aygo 1.0 (same address).

Even though his gran lived at a different address and was never going to drive it the policy came down by £600 ( to only £1800 for a panda).

My 79 year old father now puts me on his insurance to reduce his cost... You get to an age where insurance rises again.

We put three teenage sons through the driving test, not one of them did we have learn with us – save your money and pay for the lessons IMO.

The plan is to combine both, have him do some lessons and then practice what he's learnt with me once or twice a week, I won't teach him, he'll just get more practice.

there was a thread a few weeks back on learning to drive - and being taught to pass the test rather than taught to do the bad things we all do. Worth digging out if you can.

The plan is to combine both, have him do some lessons and then practice what he’s learnt with me once or twice a week, I won’t teach him, he’ll just get more practice.

I realised that was your plan, which is why I mentioned what we did.

And none of the lads have had accidents, and I feel safe been driven by any of them.

It was a while ago but when I learned you could knock down the insurance price by doing things like pass plus. Does anything like that still exist and have a noticeable effect? Added benefit of more training as well.

I passed before pass plus was a thing, but did my IAM stuff in my early-30s: made zero difference to insurance. Yes, it gave me access to their 'preferred' insurer but even then they were comparative prices to mainstream insurers for me. You'd hope risk would be lower for a young driver who'd done additional training but I'm not sure it is.

Still a benefit doing any additional training. My kids will be encouraged into IAM (and ideally a skid pan session for shits and giggles) if they decide to learn to drive.

It’s the engine size of the Lexus. We had the same issue with our CRV diesel. I mean, what teenager is going to want to look cool in that. The Twingo 133 was 2.4k too just to add teenager to the policy. Then we went admiral multicar and things became more normal. About an extra 600 and they could both drive. Now they’re over 21 although the eldest did write off the Twingo aqua planing on the M25.

Not helpful, but the Lexus sounds expensive in the first place, £700 for you and your wife sounds like a lot. We pay £400 for a 2015 Seat Leon FR

Came here to say that. We pay <£300 for a 2019 Golf R. That said, the risk with new/young drivers is hitting things not the theft, so postcode is less of a factor, but I agree that’s a very expensive baseline.

Otherwise not a huge amount to add beyond what’s been said. The market is hugely fickle too, so whoever is cheapest now won’t necessarily be next time.

I realised that was your plan, which is why I mentioned what we did.

And none of the lads have had accidents, and I feel safe been driven by any of them.

Thanks for the advice, might end up doing that as the insurance is turning out a bit of a nightmare.