Insurance for 17yo

Conorh123

Well I'm 17 and want to get insured. I tried to get insured as a named driver on my fathers jeep but no company would put me on it! I'm thinking of buying a golf/bora 1.4 l , any way/tips around getting it insured by my father then putting me as a named driver.

I don't want people telling me that I don't need a car because I do for an apprenticeship in doing next month

If there's a better place for this post please let me know

Conorh123

Conorh123 wrote: »

Well I'm 17 and want to get insured. I tried to get insured as a named driver on my fathers jeep but no company would put me on it! I'm thinking of buying a golf/bora 1.4 l , any way/tips around getting it insured by my father then putting me as a named driver.

I don't want people telling me that I don't need a car because I do for an apprenticeship in doing next month

If there's a better place for this post please let me know

Btw I'm male

Atlantic Dawn

Male or female don't matter. You can get insured once you have the cash, I would say given your age you won't get it under €2500. Have you any lessons done? Have you attempted to do the test?

Pete123456

Insurance companies are wise to young people being named on their parents policies and driving the car full time. It's called fronting and they will more than likely put a loading on if they think it's happening. Insurance companies will run a mile if they see high value, horsepower or engine size. You'd want 100hp or less to get a reasonable quote, but you won't get anything cheap I'm afraid.

Also, a bora or a golf would be considered a higher risk car for a 17 year old because they're powerful... You might be better off with a 1 litre micra or something along those lines for a few years. Either way, premiums will be crazy expensive for the first few years.

It is possible to get insurance at 17 and definitely shop around. Get quotes with various makes and models with different companies. It might not be something you want to hear, but it's probably worth your while looking to policies that use a black box to monitor driving and drive carefully to bring your premium down the first year or two.

Henry Ford III

Do the test first.

Conorh123

Henry Ford III wrote: »

Do the test first.

I can't do the test until June as I won't be 17 and a half till then. I need a car next month for an apprenticeship ..

Conorh123

Atlantic Dawn wrote: »

Male or female don't matter. You can get insured once you have the cash, I would say given your age you won't get it under €2500. Have you any lessons done? Have you attempted to do the test?

I have no lessons done yet , I only want insurance for 6 months until I get a full liscence

Stheno

Conorh123 wrote: »

I can't do the test until June as I won't be 17 and a half till then. I need a car next month for an apprenticeship ..

Do you mean you can't do the test as you haven't got a permit for six months?

Insurance will be very expensive for you even in something like a micra

Pete123456

Conorh123 wrote: »

I have no lessons done yet , I only want insurance for 6 months until I get a full liscence

Word of warning too, if you do manage to get a car and insurance with a learner permit, make sure to have a qualified driver with you because the days of "ah alright make sure youve someone with you next time" from the guards are gone. If you're caught alone possible consequences aren't worth it.

VincePP

Conorh123 wrote: »

I have no lessons done yet , I only want insurance for 6 months until I get a full liscence

So you want to drive unaccompanied and without licence and having done no lessons in a 1.4l vehicle that could do 150kmh.

Are you nuts?

Yes at 17, you probably think its no problem and you can drive, but you need to realise the being able to move a car forwards and backwards is just one part of driving.

Understanding road conditions, what other drivers may/may not do and being able to think ahead are things you simply will not know - hence the stringent conditions of having to have had driving lessons from an official instructor, L pates, and being accompanied by a qualified driver.


In this day and age, your normal life expectancy is about 85 - what's the rush?

Mint Sauce

A 1.2 Corsa as a newly qualified early 30s driver was near a grand for me OP. Unless your happy to be fleaced, get something smaller, and your full licence.

Alanstrainor

Boring cars are better. Every young lad in the country wants a Golf or Bora. You're better off with something else, maybe a fiesta...

ED E

Pete123456 wrote: »

..policies that use a black box to monitor driving and drive carefully to bring your premium down the first year or two.

Who's doing them nowadays? Havent heard mention for a long time.

Topper Harley

Alanstrainor wrote: »

Boring cars are better. Every young lad in the country wants a Golf or Bora. You're better off with something else, maybe a fiesta...

In fairness, I'd consider Golfs and Boras to be fairly boring cars but I agree that the Fiesta is a better idea. Better again for low insurance grouped cars are Opel Corsas and Skoda Fabias (1.0L ones).

http://www.carinsurancegroups.co.uk/groups-list/

I know this is UK based but Irish insurance companies surely work off a similar framework if not the same. I'm not going to go trawling through it myself but roughly, a 1.4L Bora would be group 9-10. OP, for your expierence, you need to be looking at group 1-2 for at least a year or two unless you can afford a few grand. If you do that you can upgrade sooner. If you are a named driver first, you'll be in the same situation down the line when you get your own insurance and have no no-claims.

...And Justice

Insurance for young people these days is not as expensive as it was when I bought my first car. I paid £3700 IR punts for the privilege of driving a 1.3 Dihatsu charade. Monthly, its was close to what my mortgage is now. Having said that my insurance has gone up 100% in the last 2 years, it's now €780, which is madness.

jhud

I got 1.2 car first on my own insurance with parent as second driver me as main and it was still expensive but stood as 1 year no claims to me and cheaper then me on my own. Paid insurance off monthly and because I passed test insurance company let me off final 2 months payments then after 2 years upgraded car insurance went down a lot in the first 3 years.