A2 insurance (young drivers)

Can anyone recommend car insurance companies for a 18 year old female against a A2 tdi?
All quotes so far have come back in in believablely high.

Thanks

Andrew.
 
Have you tried one of the policies that uses a "how safe is your driving" app? It may be worthwhile.
 
As per:

http://www.confused.com/car-insurance/specialist/telematics

Downsides of this approach ...
* Significantly break the speed-limit and the policy will be cancelled on the spot
* Your journeys are recorded
* Often they aren't allowed to drive late at night
* I don't know if this approach works with multiple drivers on the vehicle

But, in theory at least, it should be the cheapest way of insuring a new driver.
 
Mike,

How significantly "fast" would be required to cancel the policy? Is it in line with statutory rules (i.e. speed that would lead to an automatic ban) or something more subjective?
Would it be possible to use this approach to "prove" safe driving and then after 1 year switch to a regular policy without a huge increase in premium?

It make the approach of simply insuring the car (as used in Scandinavia) look appealing. Here you insure the vehicle and get a no claims bonus to cut your policy and anyone over 24 can drive the car. Named under 24's can be added fairly easily and fairly cheaply by comparison to the UK. However unlike in the UK insurers seem happy to pay out when they should fight...

John
 
...How significantly "fast" would be required to cancel the policy?...

There is little room for error. For example, 80+ in a 70 would be enough. New drivers have less leeway in any case, due to only being given 6 points to work with instead of 12.

... Would it be possible to use this approach to "prove" safe driving and then after 1 year switch to a regular policy without a huge increase in premium? ...

Yes, that's their main attraction ... use it for a year or two in order to build a no-claims-discount, and then go onto a more flexible policy.
 
Add an older, experienced driver with plenty of no claims (ideally 10+ years) as a named driver. Can you perhaps get a multicar policy? Both can mean big savings

I find the whole telematics thing horrifying!

Cheers
 
Hi guys,

thanks very much for all your replys.

The buyers best quote for his 18 year old daughter against my A2 was.......£4,900. Ouch.

I believe the A2 petrol are more favorable on the insurance front.

Cheers

Andy.
 
I found that the age of the car had a big impact on the insurance quotes. Ms B's (39) never had car insurance in her own name, so we put through loads of options when considering a second car. Newer cars in the same insurance band came out much cheaper - I presume that the insurance co's are factoring in the age of the car when preparing the quote - ie someone in an older, cheaper car is more likely to make a claim than someone in a newer, more expensive car, despite them being in the same insurance group. FYI the factor of difference was £1100 (for A2) down to about £750 for a Citygo. The '08 Touran tdi we ended up getting was cheaper (£850) despite it being in a higher insurance group than our existing 02 A2 tdi.
Maybe try a fast-depreciating, not-too old car - say a four year old Aygo or similar.
Russ
 
I agree with Russell, I think the car is part of the problem and A2's are not a cheap fix when damaged. Newer cars also tend to be easier to fix and incorporate safety systems not found on older cars. However much it grieves me to say it i would simply buy the cheapest to insure car in budget and in 2-3 years switch to the A2.
 
you could try LV, I got a "fair" quote for my 18yr old to have his own policy on my FSI.. I think Mrs B was a named driver which helped..
 
I have only last week taken out insurance with ingenie, £1900, 1.4 petrol. I'm 18 and its my first car and first year driving. They're fantastic, they review your policy every 3 months and can reduce your insurance if you drive well. It uses telematics but there are no curfews, no fines, no mileage limit, it just counts on being a sensible driver! Good luck

Carl
 
The fixing cost of A2 has very little to do with the high premiums of the young drivers. It'll be a write off if it hits the repair threshold. The main factor is without doubt potential 3rd party liability associated with young drivers. Even insuring against a worthless old banger is not going to help. My friend's daughter still couldn't get <£1000 quote for a 1992 1.0 poverty spec nissan micra bought for £500.

Reduce your mileage, use those monitoring app/devices and live with the restrictions until you're old enough. At my work place though, we have fleet policy that doesn't take age and postcode into account and that's been brilliant for young drivers.
 
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