new driver

[TOM]

my step son is thinking of learning to drive and has bitten by the land rover bug but hasnst taken his test yet. hes been looking at all types of landrovers but it looks like it could come down to insurance some quotes in excess of £4000 annual and droping to £1500 can any body please help me if they know which is the cheapest models to insure  or any recent quotes and quotes for other people in his position

[Paul]

Hi Tom,

Have a look at the link below, This has been talked about before
and there are quite a few names and phone numbers you could try.

http://forums.mud-club.com/viewtopic.php?t=1248

[thermidorthelobster]

I find CIS (Co-op) have been consistently cheapest.  http://www.cis.co.uk.  From an insurance perspective, I suggest you look at a Series III.  I know a family with 3 teenage sons 17-21 who are having great fun rebuilding a SIII.  You get to learn a lot about "real" cars and it doesn't cost the earth, especially when he prangs it.

[thermidorthelobster]

By the way, I'm 28 and my TD5 Disco still costs in excess of £900 to insure for myself & my wife, even though I have 4 years' no claims.  I get competitive quotes every year but I have to live with it.  Sheesh.

[robbie]

I have had the same issue with my son and a Suzuki SJ413. The most expensive wanted £4532.88 to insure it Third Party!!!

In the end, I had the vehicle changed into my name and I insured it with him as a driver for £1200 or so, Third Party Fire and Theft. Cant recall the number but they are easily found on the internet via google

Good luck!!

[hrh_dave]

Im currently insured under my mum through NFU Mutual who were the cheepest when phoning round ISTR that it is around £400 for fully comp for a 1999 TD5 Disco. We have been with the NFU for some time now and have never had a problem with them. I got a quote just for me and it was £1100 which I didnt think was bad espcially as Im only 25 and no no-claims discount..


Cheers

Dave

[thermidorthelobster]

I had a couple of break-ins a while back on my company car (just smashed windows, no other damage), and a claim on the company insurance for parking damage, and even though it didn't affect the No Claims on the insurance policy I've got the Landie on, it sure counts against me on the premiums.  It's bloody annoying.

In retrospect I should have paid for the company car damage myself and the insurance people wouldn't have been any the wiser.  I'm all for honesty but when honesty costs hundreds of pounds a year, it's easy to see why people would shut up about it.