[UK]Cheap Car insurance for 17 year olds

[Kurosagi]

Hey guys,i just passed my driving test yesterday and now i am in search for insurance for my brothers car which is a 04 peugeot 206 but for some unknown reason just the 206 only the insurance is over £4000 anyone know why? and Anyone know any good cheap car insurance,so far the one i found most people go to in my age is a car insurance group called "ikube" which they give you full comprehensive but you can't drive past 11PM at night but i haven't tried getting quote because my brother owns car and my parents haven't said anything yet about getting me insurance for his car and he gets a different car.
Whats your thoughts about it,should i just not try get it insured and look at different car,my friend got £3000 on his corsa and car itself cost him £1500.

[WhiteLotus]

Insurance are raping you for all you're worth.

Get your parents to insure you as a listed driver - cheaper.

Insure your car on your grandparents address (most grandparents tend to live in "safer areas")

State that the car will be locked in a garage even if you don't have one.

Or if the car is worth less than £4000 don't bother.

[Kurosagi]

Insurance are raping you for all you're worth.

Get your parents to insure you as a listed driver - cheaper.

Insure your car on your grandparents address (most grandparents tend to live in "safer areas")

State that the car will be locked in a garage even if you don't have one.

Or if the car is worth less than £4000 don't bother.

My parents don't really like the idea of name driver even though its cheaper since they would be expecting me to be driving a lot to different places without any form of restrictions.
Also my grandparents doesn't live in a safe area and yeah i do have a garage but its been used for business purposes for my parents but i could try it and no my brother isn't worth £4000,so what would you rather do though get a different car pay the same amount or just get insurance on that car and my brother get a different car(diesel car probably he wants)

[WhiteLotus]

I wouldn't get insurance. £4000 is ridiculous. I paid £600 when I first got my insurance (with direct line as a listed driver on my mothers name) Now i have 5-6 years no claims and insurance down to just £200ish first party.


You could I suppose shrink it down to third party fire and theft, that would save you some money.

[yogurt_21]

wow that's a bit pricey for insurance, though right now I'm paying 352$ a month due to wrecking my sport trac (and some speeding tickets)

interestign that you guys have the option to not get insurance, we have state mandated minimums that have to be met.

[de.das.dude]

insurance... who needs 'em.

[entropy13]

I don't know if they were serious or not, I guess they were, but Top Gear did say that insurance for 17 year-old girls are half the price of those for 17 year-old boys. So as they advised, "If you're a 17 year-old boy looking for car insurance, slice your penis off."

[DrPepper]

My car is £400 and my insurance is £800 and thats with two months free from aviva and my parents as named drivers and locked up in a garage and third party fire and theft. It's fucking extortion. There isn't really any restrictions with your parents as named drivers. I'm a delivery driver and I've done 10k miles in 2 month.

If you plan on getting insurance you might as well get ready for a good ass raping.

[Jizzler]

Ouch, I remember times like that. Paying as much in insurance as I was on the car payments. These days, $83 USD/month on two cars (one of them with antique status).

Sorry, no real help for ya. Only that it gets better over time.

[Kurosagi]

insurance... who needs 'em.
Now thats stupid and immature answer,no insurance then feel free to ask free ticket to prison.
I don't know if they were serious or not, I guess they were, but Top Gear did say that insurance for 17 year-old girls are half the price of those for 17 year-old boys. So as they advised, "If you're a 17 year-old boy looking for car insurance, slice your penis off."
I'm pretty sure they was only joking lol.
My car is £400 and my insurance is £800 and thats with two months free from aviva and my parents as named drivers and locked up in a garage and third party fire and theft. It's fucking extortion. There isn't really any restrictions with your parents as named drivers. I'm a delivery driver and I've done 10k miles in 2 month.

If you plan on getting insurance you might as well get ready for a good ass raping.

Well it would seem i have to wait until december because my parents want wait for the builders to finish the extension to the house because our driveway is blocked and got no room for another car and need get some money 1st,so i'm just browse around until then,it really depends on what my parents want since its either i get my brother 206 for free and pay for insurance and he gets a different card and transfer insurance over(if thats even possible) but pay abit more for the car.
If they say i get a car and insurance,cheapest i found so far is £3318 on a VW polo 1.0 E,car itself is £1700 i think.

[WhiteLotus]

I don't know if they were serious or not, I guess they were, but Top Gear did say that insurance for 17 year-old girls are half the price of those for 17 year-old boys. So as they advised, "If you're a 17 year-old boy looking for car insurance, slice your penis off."

not a joke, young guys are more likely to chav up the car, drive around chavy, crash in a spectacular chavy way and kill lots of chavs. Whilst I don't have a problem with the number of chavs declining insurance companies want to make sure they get money out of them before they die, and thus get money out of all of us.

TL;DR

Guys are more likely to crash their car and claim insurance.

[Kurosagi]

not a joke, young guys are more likely to chav up the car, drive around chavy, crash in a spectacular chavy way and kill lots of chavs. Whilst I don't have a problem with the number of chavs declining insurance companies want to make sure they get money out of them before they die, and thus get money out of all of us.

TL;DR

Guys are more likely to crash their car and claim insurance.

Well i agree to that statement and i hate it when chavs modify a nice normal hatchback car to chavymobiles(corsa,saxo*im starting like it as basic when i said i hated it because its one biggest chav audience*,106,206 any small hatchback with 1-1.2 litres and impreza and civics) but in some extent even though its showed statisticly that all young male drivers will crash but there are some that will drive safe and not a crazy idiot which i find unfair but what can insurance do,they won't know what kind of driver people are only the details of car.
But like i said i will have to wait until december to hear what my parents say and also i would be 18 before december would that lower the insurance a little?

[DrPepper]

Well it would seem i have to wait until december because my parents want wait for the builders to finish the extension to the house because our driveway is blocked and got no room for another car and need get some money 1st,so i'm just browse around until then,it really depends on what my parents want since its either i get my brother 206 for free and pay for insurance and he gets a different card and transfer insurance over(if thats even possible) but pay abit more for the car.
If they say i get a car and insurance,cheapest i found so far is £3318 on a VW polo 1.0 E,car itself is £1700 i think.

Probably better to get your brothers 206. Try online places like aviva and directline. I'm with aviva because I got two month free. Also I kinda mislead the insurance company a little so that it wasn't fucking extortion.

[WhiteLotus]

i would be 18 before december would that lower the insurance a little?

Doesn't really go down till you hit 22

[yogurt_21]

Doesn't really go down till you hit 22

lucky punks, here it doesn't go down until you hit 25. and even then I had only a few months of it before they went up due to tickets lol.

[Kurosagi]

You know i just looked and it seems being 18 does make a difference in insurance,my brothers 206 at age 17 showed £4000 and at 18 it shows £3400 and for a polo L model 1.0L at age 18 shows £2800 insurance full comprehensive on both.

[DrPepper]

You know i just looked and it seems being 18 does make a difference in insurance,my brothers 206 at age 17 showed £4000 and at 18 it shows £3400 and for a polo L model 1.0L at age 18 shows £2800 insurance full comprehensive on both.

£2800 is way to much for insurance and had your brother been driving since he was 17 ?

[Kurosagi]

£2800 is way to much for insurance and had your brother been driving since he was 17 ?

He started learning late 17 i think but passed when he was 18 and his insurance quote was £2500 on the 206.