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3rd June 2014, 18:24 | #1 |
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ZT CDTI, 190+, 260, Triumph TR4, Rolls Royce, Bentley and Mercedes E220d cabriolet Join Date: Feb 2014
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Young person's car insurance
Hi: my eldest son aged 19 currently drives a late 2006, current shape Vauxhall Corsa 1.2sxi and he is very pleased with it. In November 2014 he will be 20 and wouldy like a ZT CDTi which would not be a problem purchase wise. It would also allow his younger brother to have the Vauxhall around April next year.
The problem appears to be insurance - he passed his test in April 2012 and though he drove my CDTi on my insurance for one year until April 2013, followed by his own insurance for currently one year (but by April 2015 two years), the quotes for insurance are high. He is a student currently in his first year at university and hence for part of the year the car would be with him. My question: can anyone recommend an insurer for a student with three years post test experience and two years NCB? Thanks Steve |
3rd June 2014, 18:31 | #2 |
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MG ZT 2.0 CDTI+ in Typhoon, MG TF 135 in Typhoon & Rover 75 Connoisseur CDTI SE in Pearl Black Join Date: Oct 2012
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I passed my test just a month after your son, and didn't get my first car until November that year. I have 1 nears NCB and was quoted £1200 for my ZT CDTI by elephant. They were the cheapest for me.
Might be worth a try. Best place is all the price comparison sites. I've got an account on a few of them and just compare prices on there. Then when I find the cheapest one, I go directly to their site and put a quote in directly, and actually got an even cheaper quote once. It is tough these days finding realistic insurance, gone are the days when you could have a 2l Cortina as your first car at 18 and pay cheap insurance like my uncle did in the early 90's. Rick |
3rd June 2014, 18:36 | #3 |
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Rover 75 Tourer Join Date: Sep 2011
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I've been with Elephant/Admiral, on and off, since I got a modern car (i.e., my 75). They're consistently cheapest, though Directline insured my ZT for an amazingly good price.
Hope your son finds affordable insurance.
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3rd June 2014, 18:36 | #4 |
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mg zt-t Join Date: Mar 2012
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ive been on a young drivers policy with cooperative (black box) for 2 years and theyve been fantastic. When I took the policy out they were 60% cheaper than anywhere else for a fully comp policy. I had reservations on the black box but unless you drive like a complete tool you will have no problems.
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3rd June 2014, 18:37 | #5 |
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MG ZT-T and MG ZT260SE Join Date: Jan 2013
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Not sure which insurance to recommend - try a comparison site like - go compare. com.
Here's a tip you may already know....... Get yourself added as a named driver on his insurance and for some strange reason the premium will be significantly cheaper. I did this with my daughter's insurance and it came in at £800. Previously quoted £1450 without me and the wife as additional drivers Give it a try! |
3rd June 2014, 18:37 | #6 |
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Rover 75 2.5 V6 Saloon Join Date: Mar 2014
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Best for me was General Accident, same people as Aviva. But again they were found through a comparison site.
I was £1000 for a year fully comp on my 2.5 V6 and i'm 19 with a claim on my policy and no NCB. I think the only problem you may have is it has a MG badge on the front rather than saying Rover. We know the cars are the same but insurance doesn't. Also post-code makes a big difference. My friend with the same car down south pays around the same, but he is a bit older with a few years NCB.
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3rd June 2014, 18:38 | #7 |
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MG ZT+ 180 Sports Auto Join Date: Oct 2013
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try going direct to the few specialists who don't appear in comparison sites...
Sky Insurance Chris Knott Adrian Flux (although their prices have gone up lately i think) Direct Line Churchill To name just a few... I went direct to Churchill for my ZT and they worked out nearly £200 cheaper than my cheapest quote from the Meerkats ! I currently pay around £600 a year (23 Years old, 5 years NCB & a clean license with mods declared)
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3rd June 2014, 18:45 | #8 |
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I paid 988 for mine which is due later this konth! I am 19 have no ncb, had a not at fault accident and an at fault accident with no claim! Covers me for commuting as well as sdp, 10k miles a year fully comp with parents and an older friend also insured on it! Also have legal cover and personal injury cover up to 50k (both optional) with elephant by the way
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3rd June 2014, 19:09 | #9 |
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It will be cheaper if you go on as a named driver.. It may be worth getting a quote with a black box and crash cam fitted
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3rd June 2014, 19:19 | #10 |
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MG ZT+ 180 Sports Auto Join Date: Oct 2013
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Be careful though. If you are found to be 'Fronting' if and when you make a claim, your insurance will be null and void. it is also, technically, fraud and you could potentially be prosecuted too.
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