Need help with Insurance for 17 year old girl

Owen · 03-05-2011 02:55PM #1

Friend of mine is trying to insure his 17 year old daughter on a MINI Cooper. It's her first car, and she's on a provisional. They got a quote from Axa for 2300 which they were happy to pay, but on ringing up to get the quote put through a few days later, they were told it was a mistake, and quoted the fat end of 3000 edging towards 4. Axa refused to stand over the quote.

Could anyone recommend a good insurer for her situation? They've tried XS direct and had no luck there either. Would appreciate any ideas anyone has. Thanks guys!

I know the thread has the potential to descend into a 'force Axa to do ...' type discussion, but they're only looking for alternatives for the moment.

stephendevlin · 03-05-2011 02:58PM

Quinn Insurance seemed to be the only person to insure "inexperienced drivers" What about an adult policy and then add the 17 year old onto it.

squod · 03-05-2011 03:00PM

Have you called in to any branch offices of the insurers? Maybe call in to FBD, getting dearer for me, still get a better deal when I call in though.

langdang · 03-05-2011 03:06PM

I'd say keep ringing, if it's the newer PSA/BMW 1.6 maybe it's coming up as 120bhp in some databases, thus designating it a supercar by Irish insurance standards?

cojomo2 · 03-05-2011 03:08PM

Hi OP,

the problem here is the car. Is she going down as a named driver(fathers car), or has the car been bought for her for her full time use?

The car has not far off 200bph which is regarded as a sports car by insurance companies. Not an ideal car for a 17 y.o person without a driving license..

Owen · 03-05-2011 03:10PM

Car has 115bhp, it's a 04 cooper. It's already been bought for her on the strength of the Axa quote.

Sugarfree · 03-05-2011 03:11PM

PaintDoctor wrote: »

Friend of mine is trying to insure his 17 year old daughter on a MINI Cooper. It's her first car, and she's on a provisional. They got a quote from Axa for 2300 which they were happy to pay, but on ringing up to get the quote put through a few days later, they were told it was a mistake, and quoted the fat end of 3000 edging towards 4. Axa refused to stand over the quote.

Could anyone recommend a good insurer for her situation? They've tried XS direct and had no luck there either. Would appreciate any ideas anyone has. Thanks guys!

I know the thread has the potential to descend into a 'force Axa to do ...' type discussion, but they're only looking for alternatives for the moment.

More money then sense getting a 17 old on a learners permit her own car and insurance.

cadaliac · 03-05-2011 03:13PM

PaintDoctor wrote: »

Car has 115bhp, it's a 04 cooper. It's already been bought for her on the strength of the Axa quote.

Fair enough, but on a provisional, she will have to have a fully licenced driver with her at all times (cough cough), anyway, as mentioned before - get an adult policy, add her as a named driver until she gets her full licence, then change it over to her own policy.

langdang · 03-05-2011 03:14PM

PaintDoctor wrote: »

Car has 115bhp, it's a 04 cooper. It's already been bought for her on the strength of the Axa quote.

I'm surprised by those quotes for a female in a 1.6petrol under 120bhp - God help any youngfella trying to get insured in something of equivalent power.

Is there any chance some phone monkeys are making the same mistake as cojomo? Sometimes you need to coax them through these things

Alanstrainor · 03-05-2011 03:15PM

Sugarfree wrote: »

More money then sense getting a 17 old on a learners permit her own car and insurance.

You can drop that right there. The OP is not looking for a debate on what car they should be getting etc. Unless you know an insurer or broker that might be able to sort the OP out, don't post.

gooch2k9 · 03-05-2011 03:16PM

langdang wrote: »

I'm surprised by those quotes for a female in a 1.6petrol under 120bhp - God help any youngfella trying to get insured in something of equivalent power.

Is there any chance some phone monkeys are making the same mistake as cojomo? Sometimes you need to coax them through these things

God help young fellas getting insured on anything

markc1184 · 03-05-2011 03:18PM

What about Zurich? Don't they do the Ladystar policy. Worth a shot anyway.

cojomo2 · 03-05-2011 03:19PM

PaintDoctor wrote: »

Car has 115bhp, it's a 04 cooper. It's already been bought for her on the strength of the Axa quote.

Ups, sorry OP, thought they were all up around the 200bhp mark, like the cooper s, didnt know there was a low powered version. That is pretty crap that they won't stand over their quote.

What about that place sheilas wheels?

Delancey · 03-05-2011 03:46PM

cojomo2 wrote: »

Ups, sorry OP, thought they were all up around the 200bhp mark, like the cooper s, didnt know there was a low powered version. That is pretty crap that they won't stand over their quote.

What about that place sheilas wheels?

I have heard that Sheilas Wheels don't want to know about Provisional licence holders - are Sheilas Wheels even in Ireland ?

gooch2k9 · 03-05-2011 03:48PM

What about Brittons in Donegal town. Came quite close to Quinn for me(male) at my last renewal, so I would imagine they would be pretty good for girls too.

cml387 · 03-05-2011 03:50PM

cadaliac wrote: »

Fair enough, but on a provisional, she will have to have a fully licenced driver with her at all times (cough cough), anyway, as mentioned before - get an adult policy, add her as a named driver until she gets her full licence, then change it over to her own policy.

This is known as "fronting" and as such may lead to a voided policy:
http://news.bbc.co.uk/2/hi/programmes/moneybox/7052569.stm

cadaliac · 03-05-2011 04:01PM

cml387 wrote: »

This is known as "fronting" and as such may lead to a voided policy:
http://news.bbc.co.uk/2/hi/programmes/moneybox/7052569.stm

I didn't know that. However, some companies allow the owner to be different to the main driver.
Anyway, I would change the name of the owner to be the parent, who will be the main driver, until the 17 year old gets a full licence.
Otherwise - bite the bullet.

03-05-2011 04:19PM

PaintDoctor wrote: »

Car has 115bhp, it's a 04 cooper. It's already been bought for her on the strength of the Axa quote.

Is it red with a SS centre exhaust? I think I noticed an 04 Red Cooper turn up locally enough in the last week. I'm sure it's a Cooper, not so sure on the 04 part !! (Just incase that sounded weird)

Homer · 03-05-2011 04:21PM

Just watch out for a large excess on the cheaper quotes.

Raskolnikov · 03-05-2011 04:35PM

Britton Insurance are definitely worth a go. Quinn and Zurich would also be worth going to.

By the way, I am currently with Axa. When I took out my insurance with them, I never called them. I just filled out the online form, paid the money and when a letter came out, I sent in my documentation. I never spoke to a rep through the entire process. If you can't get a better quote else where, maybe just go through their online system and don't say a bit?

-Corkie- · 03-05-2011 05:12PM

Have she tried One direct. If not put her Father/Mother on as a named driver on the policy as they give discounts for experienced named drivers. Other than that Brittons or Quinn..

coylemj · 03-05-2011 05:23PM

Raskolnikov wrote: »

If you can't get a better quote else where, maybe just go through their online system and don't say a bit?

Just because you're not asked a specific question doesn't mean that you can withhold information, it's the responsibility of the policyholder to disclose everything that affects risk to the insurance company.

JimmyCrackCorn · 03-05-2011 05:29PM

PaintDoctor wrote: »

Friend of mine is trying to insure his 17 year old daughter on a MINI Cooper. It's her first car, and she's on a provisional. They got a quote from Axa for 2300 which they were happy to pay, but on ringing up to get the quote put through a few days later, they were told it was a mistake, and quoted the fat end of 3000 edging towards 4. Axa refused to stand over the quote.

Could anyone recommend a good insurer for her situation? They've tried XS direct and had no luck there either. Would appreciate any ideas anyone has. Thanks guys!

I know the thread has the potential to descend into a 'force Axa to do ...' type discussion, but they're only looking for alternatives for the moment.

Your going to have to try all the insurers. 3k is nuts but its probably not going to do well on this one.

I have a thread in modified cars where i rang every insurer i could find.

Things worth trying:

Hibernian advanced driving course
Putting an older lady on the insurance as a named driver
Putting her on your insurance until she has more experience

Not going to be fun though

coylemj · 03-05-2011 05:58PM

cadaliac wrote: »

get an adult policy, add her as a named driver until she gets her full licence, then change it over to her own policy.

The problem with this proposal is that in a household where a 17 year old girl is getting a Mini Cooper, its more than likely that every adult in the house already has their own car and insurance policy so there is no opportunity to start a new policy in the name of any of the adults, that is probably why the OP (sorry, the OP's friend) needs to take out a policy in the name of the 17 year old.

Owen · 03-05-2011 06:13PM

Some seriously great ideas here guys, keep 'em coming! I'll forward the URL for this thread to the person involved. Not me, despite it being MINI related.

cadaliac · 03-05-2011 06:22PM

Surely you can have as many policies as you like. One for each car so to speak. I had one for a car and one for a van (yes I know this is different).
I am not trying to imply the OP's friend should do anything illegal, but the rules and regulations being laid out by the insurance company's is just ridiculous.
I know the company has to cover itself and some people will exploit any weakness or loophole, but if the OP's friend wants a policy, with their daughter on the policy - so be it. But €3k.....ffs.
Yo can understand why so many people hate insurance companies.
Just to reiterate - I am not condoning any illegal action that would null and void your policy.

03-05-2011 06:26PM

cadaliac wrote: »

But €3k.....ffs..

17
no experience of driving

is €3000 out of the way?

I paid that with a full license and 2 years NCB iirc.

coylemj · 03-05-2011 06:30PM

cadaliac wrote: »

Surely you can have as many policies as you like. One for each car so to speak. I had one for a car and one for a van (yes I know this is different).

Last time I checked, the price to insure a second car (you're right, a van is different) was pretty much the same as for the first car. I bought a new car and had an old car that I wanted to keep, I thought I'd get cover on the old car for next to nothing (no named drivers) on the basis that I could only be driving one car at a time but what they quoted me was almost as much as if it was my only car so I had to get rid of it.

There is also the issue that insuring two cars in the name of a single adult and adding a 17 year old as a named driver to one of them would be pretty obviously a sham, the insurance companies aren't that stupid.

cadaliac · 03-05-2011 06:32PM

RoverJames wrote: »

17
no experience of driving

is €3000 out of the way?

I paid that with a full license and 2 years NCB iirc.

Agreed RJ, in that respect you are correct.
I am still of the view that we pay far too much for insurance in this country. Not only for cars either. Its across the board. And, not all of it can be explained.
"ahh sher, thats the way it is".:mad:

4zn76tysfajdxp · 03-05-2011 06:52PM

Try Bill Cullen insurance also.

mattjack · 03-05-2011 07:31PM

PaintDoctor wrote: »

Friend of mine is trying to insure his 17 year old daughter on a MINI Cooper. It's her first car, and she's on a provisional. They got a quote from Axa for 2300 which they were happy to pay, but on ringing up to get the quote put through a few days later, they were told it was a mistake, and quoted the fat end of 3000 edging towards 4. Axa refused to stand over the quote.

Could anyone recommend a good insurer for her situation? They've tried XS direct and had no luck there either. Would appreciate any ideas anyone has. Thanks guys!

I know the thread has the potential to descend into a 'force Axa to do ...' type discussion, but they're only looking for alternatives for the moment.

sorry bout Axa,s behaviour... crappy...but if you ask for a reference number with any future quotes ,I think you can hold them to the quote

Need help with Insurance for 17 year old girl

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