getting on the road at 17 problems

paddylad100

so i am a 17 year ols male..i know an insurance companies worst nitemare anyways i want to go on the road so i am pricing insurance companies ...so my first problem i want to save a plot of turf and sell it to make money for next years insurance so i taught a little van would be handy however cant find a insurance company that will insure the van for private domestic usethey all want to insure it commercialand i have no vat number.....so problem 2 i rang alot of companies and got quotes of up to €7500 for a car however 2 weeks ago i foung a quote of €1700 so i taught bout it and rang them back up only to here whoever was talking to me on the phone somehow messed up the quote as the lowest possible premium for a 17 year old is €2500 so i said no and found a local broker who offerd insurance for €1920 last week however again when i rang them up today they said the same that its 2500 at least and the woman on the phone last week said 1920 so then they also said €3200 for a van for private use so i said right i will take the van and then hesaid actually when i gave you the quote the other day i had to say you were working and didnt put you in as a student as you said just to get you a quote ...so he gave me a quote that i couldnt get a policy on and never told me the other day now i went off and bpught a van the other day thinking i was going to get insurance and he only told me today when i wentto insure it he couldnt insure it ....thanks for reading

colm_mcm

Have you got a family member that could use a trailer?

paddylad100

yes but i want to be self dependent and want to do something myself not having to depend on others all my life

TEMPLAR KNIGHT

I'm 21 driving since I was 17 no claims and have my full time licence since I was 18 and I'm still paying a lot for insurance but that's just the way it is unfortunately..you could try getting insured under a parent that's what I do makes it cheaper.

colm_mcm

There are a couple of potential pitfalls here:


1) your insurance will be for social and domestic use, not business

2) your license is likely a provisional? In that case, it's for learning to drive while under instruction, not carrying around goods or towing.

paddylad100

TEMPLAR KNIGHT wrote: »

I'm 21 driving since I was 17 no claims and have my full time licence since I was 18 and I'm still paying a lot for insurance but that's just the way it is unfortunately..you could try getting insured under a parent that's what I do makes it cheaper.

to be honest with you i am not really worried about the price of the insurance as that can be beaten i have found a company to do it for around €2350 but i am more concerned about getting the van as it would be handy and next year or the year after i want to start a apprentiseship i know alot of people who insured a van privately but i cant so any companies that do for 17 year olds

paddylad100

colm_mcm wrote: »

There are a couple of potential pitfalls here:


1) your insurance will be for social and domestic use, not business

2) your license is likely a provisional? In that case, it's for learning to drive while under instruction, not carrying around goods or towing.

this is the problem if i dont have a way of earning money while i am still in school i wont be able to pay for next years insurance..thats why i was going selling turf and i want to go on the road now so that i will have my full lincense when i am finished school and go working so that the garda cant hassle me

Foxhole Norman

paddylad100 wrote: »

this is the problem if i dont have a way of earning money while i am still in school i wont be able to pay for next years insurance..thats why i was going selling turf and i want to go on the road now so that i will have my full lincense when i am finished school and go working so that the garda cant hassle me

So you plan to drive around in a van full of turf on your own on a provisional? I assume this is what you'll be doing as your mother or father can't always be there with you?

If so I'd think twice about getting a van this year and instead get a 1.0 micra or something along those lines and get yer full license. Then worry about the van.

Jimdagym

Foxhole Norman wrote: »

So you plan to drive around in a van full of turf on your own on a provisional? I assume this is what you'll be doing as your mother or father can't always be there with you?

If so I'd think twice about getting a van this year and instead get a 1.0 micra or something along those lines and get yer full license. Then worry about the van.

He already has the van.

Foxhole Norman

Jimdagym wrote: »

He already has the van.

Fair point, well made.

My point still stands though. Ditch the van for now and worry about getting your full license first.

Design_Dude

paddylad100 wrote: »

so i am a 17 year ols male..i know an insurance companies worst nitemare anyways i want to go on the road so i am pricing insurance companies ...so my first problem i want to save a plot of turf and sell it to make money for next years insurance so i taught a little van would be handy however cant find a insurance company that will insure the van for private domestic usethey all want to insure it commercialand i have no vat number.....so problem 2 i rang alot of companies and got quotes of up to €7500 for a car however 2 weeks ago i foung a quote of €1700 so i taught bout it and rang them back up only to here whoever was talking to me on the phone somehow messed up the quote as the lowest possible premium for a 17 year old is €2500 so i said no and found a local broker who offerd insurance for €1920 last week however again when i rang them up today they said the same that its 2500 at least and the woman on the phone last week said 1920 so then they also said €3200 for a van for private use so i said right i will take the van and then hesaid actually when i gave you the quote the other day i had to say you were working and didnt put you in as a student as you said just to get you a quote ...so he gave me a quote that i couldnt get a policy on and never told me the other day now i went off and bpught a van the other day thinking i was going to get insurance and he only told me today when i wentto insure it he couldnt insure it ....thanks for reading

You dont need a vat number to insure/tax commercially. If you really wanted you could register a business name for 20 quid on cro.ie and that will be grand. Get your test asap anyways.

paddylad100

Design_Dude wrote: »

You dont need a vat number to insure/tax commercially. If you really wanted you could register a business name for 20 quid on cro.ie and that will be grand. Get your test asap anyways.

really can you do that ..thanks

paddylad100

Foxhole Norman wrote: »

So you plan to drive around in a van full of turf on your own on a provisional? I assume this is what you'll be doing as your mother or father can't always be there with you?

If so I'd think twice about getting a van this year and instead get a 1.0 micra or something along those lines and get yer full license. Then worry about the van.

well i think its better i drive around without a full driver in the van than with a acr and trailer as with the car i would be breaking the law twicw and i would have a full driver with me alot of the time as i would be taking the father with me most days

paddylad100

Foxhole Norman wrote: »

Fair point, well made.

My point still stands though. Ditch the van for now and worry about getting your full license first.

how the f##k can i get my full lincenese if i cant pay for next years insurance ..i might not pass first go like and even if i do the waiting listis long and you cant apply for 6months

SEPT 23 1989

Is there not an age restriction on commercial insurance eg 25

lostboy

i was named driver on a commercial policy at 18/19 so i doubt it.

Chimaera

paddylad100 wrote: »

how the f##k can i get my full lincenese if i cant pay for next years insurance ..i might not pass first go like and even if i do the waiting listis long and you cant apply for 6months

Do it like many of us did before you: ask your parents nicely to insure you as a named driver. Pay for your driving lessons from a good instructor. If you're careful and do it right, you'll pass first time.

There's no easy way to get started at driving when you're 17, so don't expect sympathy when you look for one and can't find it. We've all been through it.

Sell the van, get your full licence and then see what the lie of the land is.

Squ

paddylad100 wrote: »

yes but i want to be self dependent and want to do something myself not having to depend on others all my life

You're 17.. You've plenty of time to be self dependant..

I was on my dads insurance for the frist few years, with the proviso that if i crashed i was to pay for any increase in his excess.. Calmed down my driving no end!

And now i have full no claims with protection, And paying €450 inc

paddylad100

SEPT 23 1989 wrote: »

Is there not an age restriction on commercial insurance eg 25

thats why i want to tax and insure it for personal use

paddylad100

Chimaera wrote: »

Do it like many of us did before you: ask your parents nicely to insure you as a named driver. Pay for your driving lessons from a good instructor. If you're careful and do it right, you'll pass first time.

There's no easy way to get started at driving when you're 17, so don't expect sympathy when you look for one and can't find it. We've all been through it.

Sell the van, get your full licence and then see what the lie of the land is.

i am not your normal boy racer 17 year old i want to work and earn a living....never expected it to be easy but when insurance companys say they will take me on and then dont it gets annoying ..only looking for advice from ppl who have been trough it

paddylad100

Squ wrote: »

You're 17.. You've plenty of time to be self dependant..

I was on my dads insurance for the frist few years, with the proviso that if i crashed i was to pay for any increase in his excess.. Calmed down my driving no end!

And now i have full no claims with protection, And paying €450 inc

yes i get what you are saying but i want my own policy because your going to have to pay big one day so i would rather get my ncb up asap thanks

Squ

paddylad100 wrote: »

yes i get what you are saying but i want my own policy because your going to have to pay big one day so i would rather get my ncb up asap thanks

I was credited towards ncb with my named experience

Design_Dude

SEPT 23 1989 wrote: »

Is there not an age restriction on commercial insurance eg 25

No, some companies might have their own but generally not.

Foxhole Norman

OP, you come on here asking for advice and when people give you the advice you're looking for you ignore it. There's not much we can do for you if you just ignore it all.

paddylad100

Foxhole Norman wrote: »

OP, you come on here asking for advice and when people give you the advice you're looking for you ignore it. There's not much we can do for you if you just ignore it all.

Calm down lad i am not ignoring it but ye are going off the topic all i wanted to know if anyone knew an insurance company that would take me on for my first year at 17 on my own insurance for a small van ...simple question ..never asked anything about ncb or trailers or having a full driver i will sort that out when i am on the road

Mycroft H

paddylad100 wrote: »

Calm down lad i am not ignoring it but ye are going off the topic all i wanted to know if anyone knew an insurance company that would take me on for my first year at 17 on my own insurance for a small van ...simple question ..never asked anything about ncb or trailers or having a full driver i will sort that out when i am on the road

When I was your age, not one insurance company would insure me commercially on a jeep. They all wanted a full b licence at the minimum not a provisional as I had at the time. This was either as a named driver or the sole policy holder. That was near 4 years ago, so I'm not sure if its the same.

My advise; sell the van, buy a micra (whatever small car takes your fancy) and pass your test. Do it right and you could have a van back on your hands within 6 months with a full licence and none of these problems.

Foxhole Norman

You'll need to give us more details then. I.e Engine size, type of van and size.

paddylad100

Foxhole Norman wrote: »

You'll need to give us more details then. I.e Engine size, type of van and size.

1.3 opel combo 2005 small van like a caddy and berlingo

Foxhole Norman

You wanted your own policy right? I tried Aviva.ie there and put in 17 years old 1.3 Opel from 2005.

Fully comp=€6600
Third Party=€6200

:eek:

I'm sure most companies will take you on but you'll pay the price for that privilege.

wedge911

Sorry new to this and cant start a new thread was wondering of any insurance companies that deal with duis im only twenty made a terrible mistake two years ago and lost my license for three years got it back last week...also wat would insurance be like under 1 of my parents on a second car as a named driver

Squ

wedge911 wrote: »

Sorry new to this and cant start a new thread was wondering of any insurance companies that deal with duis im only twenty made a terrible mistake two years ago and lost my license for three years got it back last week...also wat would insurance be like under 1 of my parents on a second car as a named driver

Driver with a ban has to ring, they wont quote you over the net. I'd buy a bicycle if i was you. Or a lot of lube

CiniO

BX 19 wrote: »

When I was your age, not one insurance company would insure me commercially on a jeep. They all wanted a full b licence at the minimum not a provisional as I had at the time. This was either as a named driver or the sole policy holder. That was near 4 years ago, so I'm not sure if its the same.

When I was at his age, I could easily insure my car using my father's 60% NCB. Annual policy was actually negligible cost, as it was not more than you would spend for weekly food shoping, or weekend out.
It's a pity that young lads in Ireland don't have possibility to get into the road easily at young age.

Mycroft H

CiniO wrote: »

When I was at his age, I could easily insure my car using my father's 60% NCB. Annual policy was actually negligible cost, as it was not more than you would spend for weekly food shoping, or weekend out.
It's a pity that young lads in Ireland don't have possibility to get into the road easily at young age.

Its a real pain to be honest. However, I'm only paying 540 a year now, so its not exactly as bad as it was

wedge911

yeah ive got quotes over the 8 grand mark for a 1 liter corsa but was wondoring of any insurance companies in ireland that specially deal with it ...or if it would affect my mums insurance alot as she only uses her car on the weekend and i only really need to get to and from work

Cuddlesworth

CiniO wrote: »

When I was at his age, I could easily insure my car using my father's 60% NCB. Annual policy was actually negligible cost, as it was not more than you would spend for weekly food shoping, or weekend out.
It's a pity that young lads in Ireland don't have possibility to get into the road easily at young age.

Quite a few people I knew totalled their cars at 17-20 years old. Its not particularly surprising to me that young males get charged huge rates. But I'm really surprised we don't have any advanced/defensive driving certs available to drive down costs.

You have drivers with 6 months to wait, makes them do a introductory two months of assessment at a fixed cost, then a further four months training with a huge reduction on insurance cost. Yearly assessments for the next two years. With quotes of 4k plus, I'd assume most young drivers would jump on it. As most of the really bad boy racers would fail within the first month.

db330

Have you booked your test yet??

The day I got my provisional I booked my test due to the waiting list, when i got the date for my test 5-6 months later i did a few lessons and then the test and passed first time, when i passed i then got insured on our commercial jeep (3.2L) Before i passed my test they wouldn't consider me but once I passed I was added on for no extra charge and i was still 17 (we said we can take our business else where if you can't help so they were kind enough add me for free).

So first if you really want to be insured on the van you will have to wait until you get your test and pass. But then once you pass your commercial insurance will be cheaper. You should be able to get commercial easy enough,

And you don't have to own your own car to get your full licence, you can do lessons and then rent your instructors car for the day of the test.

So when you do pass your test, go and find a good broker.

CiniO

BX 19 wrote: »

Its a real pain to be honest. However, I'm only paying 540 a year now, so its not exactly as bad as it was

I'm paying even less than 500 now. I never paid much, but I only moved to Ireland when I already had 5 years NCB. If I wanted to start my driving career in this country, that would ruin me financially.

paddylad100

Foxhole Norman wrote: »

You wanted your own policy right? I tried Aviva.ie there and put in 17 years old 1.3 Opel from 2005.

Fully comp=€6600
Third Party=€6200

:eek:

I'm sure most companies will take you on but you'll pay the price for that privilege.

never mind the online quotes when you go to pay for the insurance they wont take you on

paddylad100

wedge911 wrote: »

yeah ive got quotes over the 8 grand mark for a 1 liter corsa but was wondoring of any insurance companies in ireland that specially deal with it ...or if it would affect my mums insurance alot as she only uses her car on the weekend and i only really need to get to and from work

cheapest i got for a car is quote devil or britton 2500

paddylad100

db330 wrote: »

Have you booked your test yet??

The day I got my provisional I booked my test due to the waiting list, when i got the date for my test 5-6 months later i did a few lessons and then the test and passed first time, when i passed i then got insured on our commercial jeep (3.2L) Before i passed my test they wouldn't consider me but once I passed I was added on for no extra charge and i was still 17 (we said we can take our business else where if you can't help so they were kind enough add me for free).

So first if you really want to be insured on the van you will have to wait until you get your test and pass. But then once you pass your commercial insurance will be cheaper. You should be able to get commercial easy enough,

And you don't have to own your own car to get your full licence, you can do lessons and then rent your instructors car for the day of the test.

So when you do pass your test, go and find a good broker.

nowadays you have to wait 6 months after getting the lincnse to apply my brother done the same as u 5 yrs ago and had a starlet at the time

fasttalkerchat

Get insured in someone elses name as a named driver. As long as you never use the insurance you will be fine. Also you can get commercial insurance for a van very cheap. My mate had it for 800 sterling when he was 18 in his own name!

djimi

wedge911 wrote: »

Sorry new to this and cant start a new thread was wondering of any insurance companies that deal with duis im only twenty made a terrible mistake two years ago and lost my license for three years got it back last week...also wat would insurance be like under 1 of my parents on a second car as a named driver

Try the likes of XS Direct or someone like ARB broker. There are companies out there who will deal with high risk categories, but be prepared to either pay big money (in the case of someone like ARB), or have next to no cover other than the piece of paper on your windscreen (in the case of XS Direct with their €4000+ on the policy).

djimi

Forget about the van; get a small 1 litre car, get insured on it however you can (named driver under a parents policy etc), get lessons, and pass your test. Then worry about trying to get a van to bring down or help with the cost of the insurance.

wedge911

djimi wrote: »

Try the likes of XS Direct or someone like ARB broker. There are companies out there who will deal with high risk categories, but be prepared to either pay big money (in the case of someone like ARB), or have next to no cover other than the piece of paper on your windscreen (in the case of XS Direct with their €4000+ on the policy).

thanks alot must give them a ring tamara ..wat about goin unte someone elses policy as a named driver on a car

CiniO

fasttalkerchat wrote: »

Get insured in someone elses name as a named driver. As long as you never use the insurance you will be fine.

Please tell me what's the point of getting insurance if you are only meant to be fine by never using it.
Insurance is there to protect you against claims done against you, which sometimes might be huge sums.

BobMc

my first car was a fiesta van, named driver was around 2400 pounds at the time, get the test passed ASAP as others said I passed mine at 17, one year full licence and named driver price came down a bit, but fell away time went on and when I changed to a car ( a fiat punto this was back in the early 90's)

fasttalkerchat

CiniO wrote: »

Please tell me what's the point of getting insurance if you are only meant to be fine by never using it.
Insurance is there to protect you against claims done against you, which sometimes might be huge sums.

Sorry, by using it I meant making a claim yourself. If you claim on the insurance the person whose name you are under will pay a higher premium.
If someone else claims against you its up to you if you will use the insurance and pay back the person who is paying the premium.

CiniO

fasttalkerchat wrote: »

Sorry, by using it I meant making a claim yourself. If you claim on the insurance the person whose name you are under will pay a higher premium.
If someone else claims against you its up to you if you will use the insurance and pay back the person who is paying the premium.

It's not as simple.
Insurance company in case of any accident followed by claim will ask who was driving, and giving them false information is a serious offence or maybe even a crime.

fasttalkerchat

CiniO wrote: »

It's not as simple.
Insurance company in case of any accident followed by claim will ask who was driving, and giving them false information is a serious offence or maybe even a crime.

I was talking about being a named driver. Nothing wrong with that as long as the main driver is the proposer. Also since he doesn't have a full licence he shouldn't be driving on his own anyway so he won't be driving that much therefore it would be easy for the proposer to drive the car more than him.

paddylad100

fasttalkerchat wrote: »

I was talking about being a named driver. Nothing wrong with that as long as the main driver is the proposer. Also since he doesn't have a full licence he shouldn't be driving on his own anyway so he won't be driving that much therefore it would be easy for the proposer to drive the car more than him.

this is why i want my own insuranceso if i do make a mistake iam causing thedamageto myself not somebody else

fasttalkerchat

paddylad100 wrote: »

this is why i want my own insuranceso if i do make a mistake iam causing thedamageto myself not somebody else

Fair enough but it will cost you an arm and a leg. You would need to be getting the turf free to make enough money to pay the insurance!
I'm driving nearly 4 years, no accidents, claims or convictions. Never even been pulled for speeding and I get quotes for 3-4 grand if I want to go on my own name.