Post L plate car insurance.

[Ariel Badger]

Granddaughter passed her car test today, she is 24 (and no, I will not be posting pictures). What are the cheapest cars to insure, Ford Ka, Clio etc?
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[andyscooter]

Peugeot 206 1.1 in my case with the wife on the policy
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[flat spot]

Tell her to get one of those "black boxes". Young lad (17) at work just passed his test reduced his quote from £8000 to £1700 when he had one fitted. That's a BMW 1 series as well. Not always the case the cheaper shitty cars are the cheapest to insure.

[Ste]

I'd look for something that isn't the typical 1.0 or 1.1 first car because the insurance will quite likely be cheaper on a 1.4 boring saloon than it is for a 1 litre Fiesta due to how much Fiesta drivers cost insurance companies compared to how much drivers of 1.4 saloons do.

[iooi]

[Wonko The Sane]

A colleague at work is 22 and just passed his test, he spent a long time working out insurance, running costs, fuel costs and purchase cost all combined taking about a month over it.

He bought a new shape KA from a car supermarket.
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[M.C]

There doesn't seem to be any firm rules when it comes to insurance. For example, I've been playing around with insurance quotes in and out of London (bare with me on this ):

Ecoboost 1.0L Fiesta - £1000 in London with a black box, £1400 without
- £700-£800 outside of London (no black box)

Mazda MX-5 1.8L - £2500 in London, £620 outside (neither with a BB)

So basically if you live in an undesirable area some cars will cost you considerably more, if you live in a nice area you will probably have more choice/less eye-watering quotes.

Also some 'cheaper' cars are actually more than you think to insure, a Corsa 1.2 Diesel costs the same as a Clio 182 2.0L. Volvo C30 seems unsually cheap to insure, taking the above into consideration.

[Ariel Badger]

Black box is a not an option IMHO as her post code dictates she should be a naughty girl and insure at a different post code. Inner City Birmingham is the worst place in the country to insure.




Insurance is a joke, I just did a comparison website with details of a person of her status in her area. The types of insurance are Fully Comp (this gives you most cover) TPF&T, and at the bottom for cover Third Party Only. Cheapest quote was Fully Comp at £1770 and the most expensive was £11615 also FC. This is for an old Ford Ka.
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Bikers make great organ donors, get 115 on your licence today.

[Moxey]

Go for cars outside of the usual learner suspects (as well as the boy racer / hot hatch crew), I.e. my skoda octavia 1.9, old man reputation amongst insurance Co.s (avoid VRS ofc).

What may also help most unusually is sticking a provisional learner friend of hers on her policy as a named driver, oddly my parents at 60 each with 40 years driving experience put my premium up by £300 over what it cost to insure myself but adding my over half's 21 year old mate who only has a provisional put it down by £200 (note this was adding them as named drivers underneath myself as main, other way round would count as that bs insurance term 'fronting').
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Current: 02 FZS 1000 & 91 Royal Enfield Bullet 350 Some Bike Pics...
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[Jewlio Rides Again LLB]

Just try a black box policy. You may be surprised.

1.5 Almera, £1300Fc on black box policy with ingenie.
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[M.C]

[DRZ4Hunned]

Black boxes have a bad reputation and I'm not sure why, I've had one for nearly 3 years (since 18) on my 1L lupo and I don't change my driving style because of it, I still get rated as a 'good' driver even though I drive at night, occasionally speed, take corners like a lunatic and brake suddenly.

Granted, it is only a 1L and by no means quick but I've never heard of someone losing their insurance over it. I also have it insured at my parents house which is over 100 miles away and they've not questioned me on it.
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DRZ400-SM
FZS600

[rhys99]

If she's into old cars ( probably isnt ) you could look at classic car insurance. I've manage to insure a 1986 200 TDI landy 90 for £1300 without a box

[grr666]

[M.C]

[Bikeless]

She needs to buy the newest car she can afford and put parents on as named drivers, this will lower it a bit. Black box will lower it more.

[DRZ4Hunned]

[Robby]

Run many quotes for many different sorts of car. Avoid local demographic traps - if the area has a lot of people crashing for cash in Japanese hatchbacks, expect the price to be higher.

It is important to check out the insurance on cars that may seem wildly unwise for new drivers. I used to insure a Jag for less than a metro. Billy, also from around my way, was uninsurable on anything but an MX-5 (because obvious homosexual). Always worth running a quote on a land rover too, they can be oddly cheap sometimes.

Or just accept that it's going to cost silly money and get a focus so all of the other costs are manageable. Or work out how much it is all going to cost over a year and decide taxis are cheaper.

[haroman666]

Run my Clio reg, see what comes up. It's cheap-ish for me and I have 6 points!

N515EPU

Post results.
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[Ariel Badger]

Using your car and her conditions £3,544.87 - £11,154.58
____________________
Bikers make great organ donors, get 115 on your licence today.

[iooi]

[0l0dom0l0]

Whatever you do don't let her buy a fucking Ford KA.

Buy a fiesta instead.

I've always found my 1.2 polo young driver friendly (and it's needed nothing in the 5 years we've had it apart from 2 tyres and a battery)

54 plate, it's been a great little car.

Cousin spent £3500 on a Ford KA - it got scrapped after spending £1000's on it, because my cousin went through a puddle I think. It had 30k on it - had to have a clutch.

We spent £1000 more - 5 years ago and the polo is still going strong.... you get the point.... and I thrashed the fuck out of it for a year. Literally redlined it every gear change. Still runs very well with 80k on it - bought it at 55k ish.
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Bikes: 2007 Derbi GPR 50, 1998 Yamaha Fazer 600 (written off), 2002 Yamaha Fazer 600, 1994 CBR 600F, 2003 Triumph Daytona 600, Kawasaki ZX6R J1.....Current: 2006 Yamaha FZ6, 1998 Suzuki TL1000R and a Honda VFR 400 NC30.

[M.C]

[haroman666]

[asta1]

The cheapest way to do it is to do what I did. Buy an old, early 2000's hatchback of 1.6l or smaller for approximately £1000. Insure it TP only with a very low annual mileage of say 3,500 on a non-black box policy. Don't crash and don't get points. Then a year later buy a car she actually wants to drive and insure it fully comp with a years no claims.
I'm afraid you just have to take the hit on the first year, but the quotes do drop rapidly after that. For example, my TP quote in the first year for an '04 1.2L corsa was £1800. My quote the year after for a car worth 6 times as much and with twice the power, fully comp and a mileage allowance of 10,000 was about £500. Quotes for next year seem about £400 or so.