My son now has his provisional license and I have promised to buy him a
car - looking at either a Fiesta or Corsa for around 2500. I have got some
insurance quotes, which range from 2000 to 5000.

Can anyone recommend an insurance company who will give a reasonable quote -
one I know about but have not yet tried is Norwich Union Direct who also
offer a discount for Pass Plus, which he will do after passing his test.



TIA



Steve

You may be better approaching this for a different direction.  You could ask 
an insurance company what car will be the cheapest to insure.  You can 
reassure you son that this will only be until he builds up some no claims.
"steve"  wrote in message 
news:VYkSe.4788$pm2.90@fe3.news.blueyonder.co.uk...

> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got 
> some
> insurance quotes, which range from 2000 to 5000.
>
> Can anyone recommend an insurance company who will give a reasonable 
> quote -
> one I know about but have not yet tried is Norwich Union Direct who also
> offer a discount for Pass Plus, which he will do after passing his test.
>
>
>
> TIA
>
>
>
> Steve
>
> 

www.confused.com   as a start.

I'm afraid its grunt work aswell. Use the net search as many insurance 
brokers/companies you can. Confused is a good all rounder though but by no 
means think you cant get cheaper. Although often its hard to beat.

You cannot generalise insurance much more than a group 1 car will be 
cheapest and pass plus will reduce the cost. Other than that every insurer 
assigns different risk and so you have to do the hard work and check as many 
as possible.

Its hard at 17 and thats why i went on a parents policy. I must admit 2000 
sounds high but i know nothing of your circumstances so maybe its around the 
best.

I'm afraid the stats say a 17 year old lad is a risk. We all go through the 
first years of hellish insurance. Something we just have to live with. It'll 
drop qucik assuming he doesnt crash ;-)

I advise him getting the new model 2001 Corsa 1.0litre (its group 1 
insurance), i have one and insurance is cheap for me (was 18 and now 19 
coming 20). Just don't modify it in any way cause the peelers love spotting 
corsas and doing them for little boy racers (but this is mainly the older 
model).

Its a really nice car and insurance cost me 1500 under my dads name at 18 
with 6months driving experiance with Norwich Union.

RichardH  wrote:


> I advise him getting the new model 2001 Corsa 1.0litre (its group 1 
> insurance), i have one and insurance is cheap for me (was 18 and now 19
> coming 20). Just don't modify it in any way cause the peelers love spotting
> corsas and doing them for little boy racers (but this is mainly the older
> model).
> 
> Its a really nice car


Are we both thinking about the same car here?
-- 
Steve H 'You're not a real petrolhead unless you've owned an Alfa Romeo'
http://www.italiancar.co.uk - Honda VFR800 - MZ ETZ300 - Alfa 75 TSpark
Alfa 156 2.0 TSpark Lusso - Passat 1.8 Turbo SE -  COSOC KOTL
BoTAFOT #87 - BoTAFOF #18 - MRO # - UKRMSBC #7 - Apostle #2 - YTC #

"RichardH"  wrote in message
news:4319f552$0$1295$ed2619ec@ptn-nntp-reader02.plus.net...

> I advise him getting the new model 2001 Corsa 1.0litre (its group 1
> insurance), i have one and insurance is cheap for me (was 18 and now 19
> coming 20). Just don't modify it in any way cause the peelers love
spotting
> corsas and doing them for little boy racers (but this is mainly the older
> model).
>
> Its a really nice car and insurance cost me 1500 under my dads name at 18
> with 6months driving experiance with Norwich Union.
>
>


It cost me 1300ish on a 1.0 litre micra at 17 just after passing my test
and having pass plus

norwich union give 48% on 3rd party insurance with passplus

i wudnt advise doing it in your name and having your son as a second driver
as my mate has just had his insurance cancelled after they investigated
after an accident

either pay it or wait for him to pass and until then insure him on yours
like my mum did with me

http://www.elephant.co.uk/ part of Admiral are supposed to be very 
competitive.
"steve"  wrote in message 
news:VYkSe.4788$pm2.90@fe3.news.blueyonder.co.uk...

> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got 
> some
> insurance quotes, which range from 2000 to 5000.
>
> Can anyone recommend an insurance company who will give a reasonable 
> quote -
> one I know about but have not yet tried is Norwich Union Direct who also
> offer a discount for Pass Plus, which he will do after passing his test.
>
>
>
> TIA
>
>
>
> Steve
>
> 

steve wrote:

> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got some
> insurance quotes, which range from 2000 to 5000.
> 
> Can anyone recommend an insurance company who will give a reasonable quote -
> one I know about but have not yet tried is Norwich Union Direct who also
> offer a discount for Pass Plus, which he will do after passing his test.


Dunno if the offers are still around but many manafacturers used to 
offer free insurance (up to 3 years) when you bought a new car with them.

That's why Citroen Saxo's were so popular with the young un's 2 or 3 
years ago.

Might work out cheaper to go this route if the makers still offer the deals.

--
JohnB

On Sat, 03 Sep 2005 20:25:38 +0100, SteveH  wrote:


> RichardH  wrote:
>
>> I advise him getting the new model 2001 Corsa 1.0litre (its group 1
>> insurance), i have one and insurance is cheap for me (was 18 and now 19
>> coming 20). Just don't modify it in any way cause the peelers love  
>> spotting
>> corsas and doing them for little boy racers (but this is mainly the  
>> older
>> model).
>>
>> Its a really nice car
>
> Are we both thinking about the same car here?


Says the man with Alpha rustbuckets...

"steve"  wrote in message 
news:VYkSe.4788$pm2.90@fe3.news.blueyonder.co.uk...

> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got 
> some
> insurance quotes, which range from 2000 to 5000.
>
> Can anyone recommend an insurance company who will give a reasonable 
> quote -
> one I know about but have not yet tried is Norwich Union Direct who also
> offer a discount for Pass Plus, which he will do after passing his test.
>
>
>
> TIA
>
>
>
> Steve
>
>

To do that you will need to post the following details to the group!

Your son's full name and address including post code, where the car will be 
kept at the home address when not in use for example overnight.  His date of 
birth, date he passed his driving test, your phone number and his.  Also the 
registration number and value of the car, not what you paid - they are 
different.  You also need to give us his medical history!

Do you really want to post all that ?  Without that and everyone in the 
group phoning around for you or putting his details in every site going, 
it's pointless asking here.

You're better off acting on the information you have already been given as 
no two quotes are the same.  Why have you not picked the cheapest one, it 
will be around 1500 a year for him anyway.  New drivers in Corsas are 
classed as a high risk due to the way they try to race about with their 
mates and act stupid.
Do what everyone else does and get a relative to put him on their policy. 
Then pay them between a third and half of what his own policy would be. 
Loads of people do that even though they would deny it, and who is to know 
unless he signs a confession and posts it to the insurers?

The other way of getting cheaper insurance is to get the car insured in your 
name if you can drive, or have him as a second driver.  It's usally better 
if a relative does it as it looks less suspicious.  High insurance costs are 
the reason people don't bother, the fine is a fraction of the cost of a 
policy which is just stupid.

"jonnyg"  wrote in message 
news:APmSe.5070$pm2.4891@fe3.news.blueyonder.co.uk...

>
> "RichardH"  wrote in message
> news:4319f552$0$1295$ed2619ec@ptn-nntp-reader02.plus.net...
>> I advise him getting the new model 2001 Corsa 1.0litre (its group 1
>> insurance), i have one and insurance is cheap for me (was 18 and now 19
>> coming 20). Just don't modify it in any way cause the peelers love
> spotting
>> corsas and doing them for little boy racers (but this is mainly the older
>> model).
>>
>> Its a really nice car and insurance cost me 1500 under my dads name at 
>> 18
>> with 6months driving experiance with Norwich Union.
>>
>>
>
> It cost me 1300ish on a 1.0 litre micra at 17 just after passing my test
> and having pass plus
>
> norwich union give 48% on 3rd party insurance with passplus
>
> i wudnt advise doing it in your name and having your son as a second 
> driver
> as my mate has just had his insurance cancelled after they investigated
> after an accident
>
> either pay it or wait for him to pass and until then insure him on yours
> like my mum did with me
>
>

Investigators only know as much as people are willing to admit, so for them 
to know - he or someone else directly involved must have told them.
What was the actual reason given for cancelling the insurance policy?  I 
don't mean what the story is to tell people either!
Insurance only gets cancelled for certain reasons.

Dont bother getting a car or insurance until he has passed his test and 
taken pass plus .... this saved 600 on my 17 years olds insurance , he then 
bought a renault clio 1200 cc for 525 .... the cost of his policy was 1200 
for the year tpft ... but he will then earn ncb and hopefully reduce his 
premium next time , as long as no claims... , We found Fiestas were more 
expensive to insurer than either clios or a corsa , so shop around on cars 
and engine size , some of the corsas didnt make a difference if it was a 
1200 or 1400 ... the year can make a difference as well... so lots of time 
on the phone , dont lie to insurers about whose car it is , they are not 
stupid....

good luck

shaun

"steve"  wrote in message 
news:VYkSe.4788$pm2.90@fe3.news.blueyonder.co.uk...

> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got 
> some
> insurance quotes, which range from 2000 to 5000.

>
> 

"JohnB"  wrote in message 
news:3nugg6F3d7h9U1@individual.net...

> steve wrote:
>> My son now has his provisional license and I have promised to buy him a
>> car - looking at either a Fiesta or Corsa for around 2500. I have got 
>> some
>> insurance quotes, which range from 2000 to 5000.
>>
>> Can anyone recommend an insurance company who will give a reasonable 
>> quote -
>> one I know about but have not yet tried is Norwich Union Direct who also
>> offer a discount for Pass Plus, which he will do after passing his test.
>
> Dunno if the offers are still around but many manafacturers used to offer 
> free insurance (up to 3 years) when you bought a new car with them.
>
> That's why Citroen Saxo's were so popular with the young un's 2 or 3 years 
> ago.
>
> Might work out cheaper to go this route if the makers still offer the 
> deals.
>
> --
> JohnB


 For free insurance you usually have to be 19.  My daughter used Admiral (I 
think).  Insurance was about 800 for a Fiesta but that was only for ten 
months BUT then she qualified for a years no claim discount which brought it 
down to about 600 for the second year.  Don't forget that the price is 
based on where you live, living in a big city will usually cost more than in 
a small town.

With Norwich Union Direct remember to ask for the extra two months ...they 
advertise this but needed to be reminded when we took out our last policy.

Jx

> For free insurance you usually have to be 19.  My daughter used Admiral (I
> think).  Insurance was about 800 for a Fiesta but that was only for ten 
> months BUT then she qualified for a years no claim discount which brought 
> it


be careful of the 10 month deals. Some companies wont accept the 
"accelerated" no claims when you try to renew meaning your then stuck with 
the same insurance company as gave you the 10 month deal or paying a high 
amount for a new company. It can be a bit of a scam. Hit the news a while 
back

steve  wrote:


> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got some
> insurance quotes, which range from 2000 to 5000.


I'd probably stay away from the mainstream stuff that every young driver
owns - they'll have high claim rates against them, so will cost more to
insure.

My first car was a Fiat Cinquecento Sporting - it was only a year old at
the time, but was cheaper to insure than my girlfriend's (now my
wife....) MkII Fiesta, even though the Cinquecento was a much nicer and
more expensive car _and_ I had zero years driving experience against her
4 years.

Although the Cinq. Sporting was designed to appeal to young drivers, a
significant proportion of them were sold to middle aged and older women,
keeping accident stats. down, and hence making them cheap to insure.
-- 
Steve H 'You're not a real petrolhead unless you've owned an Alfa Romeo'
http://www.italiancar.co.uk - Honda VFR800 - MZ ETZ300 - Alfa 75 TSpark
Alfa 156 2.0 TSpark Lusso - Passat 1.8 Turbo SE -  COSOC KOTL
BoTAFOT #87 - BoTAFOF #18 - MRO # - UKRMSBC #7 - Apostle #2 - YTC #

"Roy"  wrote in message 
news:nNoSe.1384$Pn1.611@newsfe4-gui.ntli.net...

>
> "steve"  wrote in message 
> news:VYkSe.4788$pm2.90@fe3.news.blueyonder.co.uk...


<SNIP>
> Do what everyone else does and get a relative to put him on their policy. 
> Then pay them between a third and half of what his own policy would be. 
> Loads of people do that even though they would deny it, and who is to know 
> unless he signs a confession and posts it to the insurers?
>
> The other way of getting cheaper insurance is to get the car insured in 
> your name if you can drive, or have him as a second driver.  It's usally 
> better if a relative does it as it looks less suspicious.  High insurance 
> costs are the reason people don't bother, the fine is a fraction of the 
> cost of a policy which is just stupid.
>
>

If you are caught doing this your insurance will be invalidated and possibly 
any claim not paid out.  Insurers are very wise to this form of avoiding 
paying the full premium for young drivers.  The insurance must be in the 
name of the main driver.  It is called a "material fact" that you must 
declare on the proposal form (it will ask you who the main driver is).  If 
you lie, it is fraud and accident investigators (loss adjusters) will leave 
no stone unturned to get the truth after all their main task is to minimise 
the cost to insurers as much as possible.  It is not very difficult to 
establish who the main driver is but I'm not going into it as it will give 
people ideas of how to get around it.

If you do get your insurance invalidated, you will also have problems 
arranging cover with another insurer.

It is surprising that so many people think they are clever defrauding the 
insurance companies but if they didn't do it then the premiums wouldn't be 
so much anyway!

I.m afraid the terms Insurance and reasonable do not go together, I am 31 
and still spend hours looking for a decent quote.


"steve"  wrote in message 
news:VYkSe.4788$pm2.90@fe3.news.blueyonder.co.uk...

> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got 
> some
> insurance quotes, which range from 2000 to 5000.
>
> Can anyone recommend an insurance company who will give a reasonable 
> quote -
> one I know about but have not yet tried is Norwich Union Direct who also
> offer a discount for Pass Plus, which he will do after passing his test.
>
>
>
> TIA
>
>
>
> Steve
>
> 

> "steve"  wrote in message 
> news:VYkSe.4788$pm2.90@fe3.news.blueyonder.co.uk...
>> My son now has his provisional license and I have promised to buy him a
>> car - looking at either a Fiesta or Corsa for around 2500. I have got 
>> some
>> insurance quotes, which range from 2000 to 5000.
>>
>> Can anyone recommend an insurance company who will give a reasonable 
>> quote -
>> one I know about but have not yet tried is Norwich Union Direct who also
>> offer a discount for Pass Plus, which he will do after passing his test.
>> TIA
>> Steve


Car insurance is very expensive for young new drivers although I didn't 
think that it got to 5000 for a 2.5K car.  However, it depends heavily on 
where you live to factor in the chances of an insurance claim.

You can do things like put your son on your own insurance as a second 
driver.  But then, do you want your insurance to suffer if he crashes? 
Also, he may not be able to accrue no claims this way.

To reduce cost of insurace you really need to look various options:
1) Get a car that is as low powered as possible (e.g. 1.1 litre)
2) Third party, fire and theft insurance only.
3) High excess.
The above are actually very good for first time drivers.  People have a 
tendency to be more careful when they have to foot the bill if something 
goes wrong.  It will help keep your son safe on the road.
4) If your son goes to uni, consider making the uni address the main address 
if it is a 'lower risk addresss'.

AMO

The Corsa B is a piece of shit while the corsa C (new model) is nice but 
more of an old womans car, but i dont mind the street cred of it tbh... 
check out corsa-c.co.uk tho - there you can see what they can look like tho 
;)

Both 1litre versions of corsas are Group1, and if you go for the earliest 
corsa new model 2001, the insurance is good cause their worth about 3000

> You may be better approaching this for a different direction.  You could 
> ask an insurance company what car will be the cheapest to insure.  You can 
> reassure you son that this will only be until he builds up some no claims.


You can look at cars by insurance group on Parkers. Ideally something 6 or 
below.

You can also use this tool to get an idea...
http://www.insurancequotes.org.uk/quotes/?m=&t=car&s=M&ag=17-24&sort=prem&Submit=Submit

steve wrote:

> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got some
> insurance quotes, which range from 2000 to 5000.
> 
> Can anyone recommend an insurance company who will give a reasonable quote -
> one I know about but have not yet tried is Norwich Union Direct who also
> offer a discount for Pass Plus, which he will do after passing his test.


Tried Endsleigh?

Geoff

Geoff Winkless wrote:

> steve wrote:
>> My son now has his provisional license and I have promised to buy
>> him a car - looking at either a Fiesta or Corsa for around 2500. I have
>> got some insurance quotes, which range from 2000 to 5000.
>>
>> Can anyone recommend an insurance company who will give a reasonable
>> quote - one I know about but have not yet tried is Norwich Union
>> Direct who also offer a discount for Pass Plus, which he will do
>> after passing his test.
>
> Tried Endsleigh?
>
> Geoff


Given that the fine for having no insurance is about 150....
-- 
huLLy
Mobile phone 07976 123278
ICQ 136-987-925

huLLy wrote:

> Geoff Winkless wrote:
> 
>>steve wrote:
>>
>>>My son now has his provisional license and I have promised to buy
>>>him a car - looking at either a Fiesta or Corsa for around 2500. I have
>>>got some insurance quotes, which range from 2000 to 5000.
>>>
>>>Can anyone recommend an insurance company who will give a reasonable
>>>quote - one I know about but have not yet tried is Norwich Union
>>>Direct who also offer a discount for Pass Plus, which he will do
>>>after passing his test.
>>
>>Tried Endsleigh?
>>
>>Geoff
> 
> 
> Given that the fine for having no insurance is about 150....


uh. And a court case, which for a new driver would probably result in a ban.

G

Steve wrote:

> My son now has his provisional license and I have promised to buy him a
> car - looking at either a Fiesta or Corsa for around 2500. I have got
some
> insurance quotes, which range from 2000 to 5000.


That is absolute absurd for that car! I am 17, and have a 1.6 Suzuki X90
insured in my own name, fully comp for 2000.


> Can anyone recommend an insurance company who will give a reasonable
quote -
> one I know about but have not yet tried is Norwich Union Direct who also
> offer a discount for Pass Plus, which he will do after passing his test.


I used www.liverpoolvictoria.co.uk, for learning in I had a Rover Mini 1.3
and this was 1300 fully comp, in my own name. Try them, excellent service
ime.

Neil

Hi

When my son was 17 and had a provisional licence he had an old Fiesta
1.1 and it cost 1267 Third Party, Fire and Theft with Norwich Union
(which I found to be cheapest).  He is now 19 and has had a full
licence for two years and has a 2 year old 1.3 Fiesta has fully
Comprehensive Insurance still with Norwich Union, which cost 639.

I recently tried to get him insured on our Volvo S40 1.9TD with our
Insurers Halifax and they would not insure him at all.


-- 
Saxon