What's the most cost effective way of insuring a new driver?

I'm trying to get insurance cover for my son who has just passed his test. We had already lined up a car, knowing its past history. Although it was 16 years old, its only covered 45,000 miles. It has just sailed through its MoT. Its a Renault Clio 1.2 (60) Authentique. But now we have the difficult part getting anyone to insure him for less than £6000, even with a black box. He has no history of any convictions of any sort. Is the car too old? I am struggling to ascertain what the reason is why the prices quoted are so sky high. Any ideas?

Asked on 10 May 2017 by Phil Scarth

Answered by Tim Kelly
Yes, it's the age of the vehicle working against it. It is not the safest of cars in an accident, which means should your son have passengers they are more likely to sustain personal injuries. Look for a policy that has a black box and also has a curfew on passengers over a certain time at night. Put yourself and your wife on the policy, even if you are never going to drive it, it will reduce it dramatically because it splits the risk. Try www.wearemarmalade.co.uk/young-driver-insurance or www.onlyyoungdrivers.co.uk/ or www.4youngdrivers.co.uk/. I cannot recommend any of these personally, but it is on these lines you need to be looking. DO NOT use price comparison sites, they WILL NOT want to insure you. Contact insurers and insurance brokers directly. Look for independent brokers as there are a lot out there pretending to be, but linked or owned by an insurer.
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