Cars for kids

[AOWYN]

Does anybody know if there are any decent free insurance offers on cheap cars these days. The old Citroen Saxo with two year's free insurance for about £5k was the deal of a lifetime for getting the brats out of the house and off my insurance if you live in London, but that is long past.

Are there any such deals around now?

PS If there is anaybody willing to swap a car for this kid then that sounds like an even better deal.

Why do the driving test examiners ever pass them?

 

[Heckler]

have just gone thru the shock horror etc with my 17 year old, however corsa 900 cc, S reg, worth about 1500 pounds, my regular broker wanted 700 quid plus. went on line to tesco and got fully comp with me as the main and swmbo and 17 year old as additional drivers for £497. (includes protected no claims and green flag get you home)
stu

 

[AOWYN]

Thanks, but no good for me. I have full no claims discount on a couple of expensive-to-insure pieces of kit and the thought of my renewal premium going back to £2000 per car just because the child has a claim is too much to cope with.

That is why I am looking for something in his name and then it's his financial funeral when he wrecks it, or even worse wrecks somebody else's car or life. Until his own money and future mobility is at risk there is no way he will appreciate the cost/risk/reward reality of motoring life.

 

[hebdena]

If you insure a car as the main driver then you must be the main driver. If the car is insured by you as the main driver and the real main driver is someone else then you are defrauding the insurance company. If the real main driver has a accident then there could be an insurance investigation which could invalidate the policy if evidence shows you were not the main driver. This could be life destroying if a death or serious injury is involved. You will end up paying the compensation. Is it worth it? Young peoples insurance is expensive for a very good reason, they have lots of accidents and are high risk.

I'm off my soapbox now!

 

[William_H]

I am sure you are actually very proud of your 17 son? My 26 yo still drives my car and boat and lives at home but I am proud of him. I think the trick is to get a cheap car with comprehensive insurance so he can build up a no claim bonus for when he gets a good car. regards olewill

 

[simonfraser]

yes william i hope he is proud of his son, else why have them.
brats - like father like son ?
p.s. hope mine is still around at our home at 26 and older.

 

[Lakesailor]

Agree about building their own No-Claims. You can never tell what strokes the insurance industry are going to pull and to get their own insurance history must be worth the extra couple of hundred.

 

[AOWYN]

The answer is NO.

OK, so I take it that the answer to my question is No, nobody knows of any good new car free insurance deals at the moment.

All other comments deemed to be interesting or amusing, but also fascinating, eg, where did I indicate that the brat in question is mine?

Funny how people read what they want to read and not what is written.

Thanks anyway, and good to note that at least one subscriber has a proper understanding of insurance contracts which are as we should all know "contracts of the utmost good faith"


PS Not to be taken too seriously, all comments meant for fun not malice

 

[Avocet]

Re: The answer is NO.

Has he tried all the various "lad" mags with semi-naked women and cars in them? Something like "Lax Power" (or whatever its called!) The back pages of these seem to to be full of adverts for insurers who specialise in young / high performance / modified / imports etc. (OK, and adverts for how to meet the woman of your dreams!)

Also, when I was young and had just learned to drive, an old Landrover was generally regarded as a good insurance bet (but damned thirsty!)

 

[3reefs]

Re: Cars For Kids

Like you, I wanted my lad to have his own insurance policy. We ended up with a little Ford Ka and found only 2 insurers would even countenance covering under 21's. One of these was Norwich Union, and we now have 2.5 years of incident-free motoring. Whew (and "TouchWood")!

 

[dedwards]

Re: Cars For Kids

Hmm, I think those offers have gone a bit out of vogue recently. They often had 'must be over 21' in the small print anyway.
Personally, I wouldn't want to allow a kid to drive a new car. Get them to buy a jalopy where it doesn't matter if it gets dented and only insure it 3rd party.
I remember smacking my first car into a brick wall and then bending it back into shape with a sledge hammer. Total cost of repair was 30 quid for new licence plate and headlamp from scrappy.

I remember the best insurers for me when I first started out were:
Norwich union,
Swinton,
Endsleigh
and Priviledge.
The adds in Max Power were useless unless you had a ridiculous car.

 

[1114C]

I think peugeot are doing it on the 206 as it must be due for replacement soon i guess - have not read the small print though

 

[pvb]

Kia...

Kia currently offer a year's free insurance on their £7K Picanto, but there are fairly stiff conditions including minimum driver age of 21, £750 excess for 21 year olds, full licence held for at least a year, etc, etc. Factor in the total lack of street cred, and it's maybe not the best offer!