New drivers and car insurance dilemma.

[Two Gun Bob]

As the title really.
My youngest daughter 24 has passed her test first time following in the footsteps of her incredibly talented older sisters.
But her older sisters are 34 and 30 and now enjoying motoring for peanuts.
Full no claims and fully comprehensive for the £350-400 mark.

I am going to get her a car and do not want to pay a supplement to the insurance reapers for shape or desire.
I would rather the majority of the hit go on the car than to insurance companies out to tan the arse of all new starters.
I do appreciate that some lads under 21 think a big bore exhaust and bucket seat on corsa makes it a racer but a 24 year old lady as sensible as sensible can be ? Really.

Anything considered including the black box to reduce the anti.
I understand If I put my name on the insurance as a driver this could reduce costings.
All cars are reliable now so I am more concerned in keeping down the first year premium to stop it eating into her allowance.

I did research with marmalade on free insurance for the first year with new sales but they are taking the mick as they want 9.9 % and above on finance which can be aquired for 2.9%.Go figure and not a free lunch after all as it negates the anti.
Prefer not to finance but will to a certain extent if a genuine free insurance comes up on the new.

Up to 2 year old considered so what model do the insurance bods froth over and how can I lower this undesirable cost.
Someone non industry mentioned at least £2.000.Sweet baby Jesus !
Anyone in the industry or knowlegable advise ? Do they rate just on group alone ? Appreciated.
Here is some more Sprout whilst I wait for help:

Cars and girls..

 

[bluethrunthru]

sorry mate there is no way round it than fiddling the system and the consequences of that are not worth it - the best thing to do is buy an older car and insure in her name and take the hit and build up some NCB for a year or two - sucks but the alternative is you insure it and declare yourself the main user she is has an accident and you get found out..... the costs and consequences make the dilemma you face now look like a no-brainer

 

[Two Gun Bob]

sorry mate there is no way round it than fiddling the system and the consequences of that are not worth it - the best thing to do is buy an older car and insure in her name and take the hit and build up some NCB for a year or two - sucks but the alternative is you insure it and declare yourself the main user she is has an accident and you get found out..... the costs and consequences make the dilemma you face now look like a no-brainer

No mate you misunderstand my poorly worded thesis.It's me that didn't explain it correctly and my bad.
I meant that the insurance would be in her name but with me as an added driver.
With my driving record of zero hits in 38 years it may carry sway ?

 

[bluethrunthru]

No mate you misunderstand my poorly worde thesis.It's me that did not explain it correctly.
I meant that the insurance would be in her name but with me as an added on driver.
With my driving record of zero hits in 38 years it may carry sway ?

the underwriters rate it on the main driver so highly unlikley sadly - as I say it stinks - I am in the industry ffs - but thems the rules

 

[Two Gun Bob]

Heard that a responsible second experianced driver can reduce the premium so thats not the case ?
What car should she be looking for insurance wise.
Is the premium purely group rated ?

She needs 5 doors and a town car.Fiesta corsa kia etc

 

[tublu]

been in the same position recently. car didn't make a huge difference, 1.2 punto or 1.6 mini much the same price, guess the theory is you can cause just as much damage in a little un... We found a few better than marmalade, best quotes for both my kids turned out to be 'insure the box' . Has a black box policy but not too intrusive, no curfews etc and they get 'bonus' miles allowed on the poilcy for good / safe driving.

 

[tublu]

you might also find a 'passplus' course helps. they cost about £150 but can save that much or more on the price of a policy depending on insurer and location etc. as with all insurance the results seem pretty random.

 

[Two Gun Bob]

you might also find a 'passplus' course helps. they cost about £150 but can save that much or more on the price of a policy depending on insurer and location etc. as with all insurance the results seem pretty random.

Yes tublu I have considered this and would organise it for her if it helps reduce.
She may not like waiting another month but if it keeps her breathing then fair fooks.
I did offer this immediatly when she passed a few months back but it was met with an utter wall of silence.

Pass plus is good because it takes them out on the motorway and delves more into driving through adverse weather conditions.
I will ring a few insurance companies up come the morrow and get their thoughts.
I do understand though that all they may only be concerned with is taking on new business and not advising the Royal bank of Mum and Dad how to save on premiums ?

If any one can advise on type of car engine size or particar model I am all ears.

 

[Bill Walker]

 

[OntarioBlue]

No mate you misunderstand my poorly worded thesis.It's me that didn't explain it correctly and my bad.
I meant that the insurance would be in her name but with me as an added driver.
With my driving record of zero hits in 38 years it may carry sway ?

As the title really.
My youngest daughter 24 has passed her test first time following in the footsteps of her incredibly talented older sisters.

But her older sisters are 34 and 30 and now enjoying motoring for peanuts.
Full no claims and fully comprehensive for the £350-400 mark.

I am going to get her a car and do not want to pay a supplement to the insurance reapers for colour shape or desire.
Obviously she has a deposit of nil and I would rather the majority of the hit go on the car than to insurance companies out to tan the arse of all new starters.

I do appreciate that some lads under 21 think a big bore exhaust and bucket seat on corsa makes it a racer but a 24 year old lady as sensible as sensible can be ? Really.

Anything considered including the black box to reduce the anti.
I inderstand If I put my name on the insurance as a driver this could reduce costings.
All cars are reliable now so I am more concerned in keeping down the first year premium to stop it eating into her allowance.

I did research with marmalade on free insurance for the first year with new sales but they are taking the mick as they want 9.9 % and above on finance which can be aquired for 2.9%.Go figure and not a free lunch after all as it negates the anti.
Prefer not to finance but will to a certain extent if a genuine free insurance comes up on the new.

Up to 2 year old considered so what model do the insurance bods froth over and how can I lower this undesirable cost.
Someone non industry mentioned at least £2.000.Sweet baby Jesus !
Anyone in the industry or knowlegable advise ? Do they rate just on group alone ? Appreciated.
Here is some more Sprout whilst I wait for help:

Cars and girls..

a few years ago i did some business with a great company which specialises in insuring young drivers. they use the black box but there are no curfews etc. Take a look at Ingenie.com

The CEO is a big Chelsea fan but despite that he's a very good guy. Good Luck