td5 insurance for 18yo

smitb · Jul 29, 2022

hello all, i have recently bought a w reg defender 90 csw and i have been getting very high insurance quotes from comparison sites and my lowest being from adrian flux at 2.5k. for reference i am 18 with one years ncd. i dont expect if to be super cheap i just hoped it would have a 1 in front. if anyone has any advice to make it cheaper or companies to look at quotes from that'd be great.

lightning · Jul 29, 2022

l doubt you'll do much better on a Defender as they are classed as a high risk vehicle.

Your only hope might be to take out a "Classic" policy, although they often require it not to be your main vehicle.

BulletBrindle · Jul 30, 2022

I think you'll be better off phoning up insurance brokers. Of the ones we've spoken to previously, Adrian Flux were the worst (least helpful and most expensive) and Lancaster Insurance were the best.

JimS · Jul 30, 2022

When I was sorting out insurance for My 18yo daughters mini, Adrian Flux (who I have several car policies with) told me they were not really young person insurance specialists so likely would get a better deal elsewhere. I would start with gocompare and see what comes up

tomhop · Jul 30, 2022

When I was a teenager I got hit by an uninsured driver, car was written off the guy ran from the scene and abandoned his mate whose head was through the windscreen. My insurance went up from £600 to £2,000 over night I was gutted. At that time Tesco came in at £1500 which whilst still high was the best I could get anywhere

smitb · Aug 1, 2022

Thanks all for the advice, in the end I’ve got my mum as the keeper so she is the policy holder and I’m a named driver for now as it got down to 1.3k.

Galladog · Aug 1, 2022

Just be aware that if you make a claim and the insurance company believe that you are the main driver and not your mother they will not pay out.
And you would probably get done for insurance fraud.

slomofo · Aug 1, 2022

smitb said:
Thanks all for the advice, in the end I’ve got my mum as the keeper so she is the policy holder and I’m a named driver for now as it got down to 1.3k.

So you are the owner (name on V5) but the insurance have your Mum as the registered keeper? It’s called ‘Fronting’ and insurers will find out if you claim, they have teams dedicated to exposing fraud.

Don’t do it, take the pain until you are 21 - things improve significantly.

td5 insurance for 18yo

smitb

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lightning

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BulletBrindle

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JimS

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tomhop

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smitb

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Galladog

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slomofo

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