• Publish Your article
  • Editorial Policy
  • Contact
  • Advertise
Sunday, September 14, 2025
No Result
View All Result
UK Herald
  • Home
  • Politics
  • Business
  • Entertainment
    • All
    • Sports
    England rugby stadium Twickenham given new name after more than 100 years in shock new deal

    England rugby stadium Twickenham given new name after more than 100 years in shock new deal

    Peter Morgan dead at 65: Former Wales and Lions rugby star who became a politician passes away as club pays tribute

    Peter Morgan dead at 65: Former Wales and Lions rugby star who became a politician passes away as club pays tribute

    Horse racing tips: Unexposed Group 1 contender can stun the big guns at 14-1

    Horse racing tips: Unexposed Group 1 contender can stun the big guns at 14-1

    Woman ‘raped seven times by two French rugby stars who left her riddled with bite marks & with horror injuries’

    Woman ‘raped seven times by two French rugby stars who left her riddled with bite marks & with horror injuries’

    Horse racing tips: Gary Moore’s charge can gain revenge after falling last time out

    Horse racing tips: Gary Moore’s charge can gain revenge after falling last time out

    Ian Buckett dead at 56: Former Wales rugby star who was ‘admired and feared equally’ dies as tributes pour in

    Ian Buckett dead at 56: Former Wales rugby star who was ‘admired and feared equally’ dies as tributes pour in

    Horse racing tips: Bash the bookies with these longshots including 9-1 fancy

    Horse racing tips: Bash the bookies with these longshots including 9-1 fancy

    Shayne Philpott dead at 58 – New Zealand All Blacks rugby legend dies after suffering ‘medical event’

    Shayne Philpott dead at 58 – New Zealand All Blacks rugby legend dies after suffering ‘medical event’

    Horse racing tips: This 7-1 chance appears to have been laid out for race he won last year

    Horse racing tips: This 7-1 chance appears to have been laid out for race he won last year

  • Lifestyle
    • All
    • Fashion
    • food
    • Health
    • Travel
    I feel like a stranger in the UK after 21 years abroad

    I feel like a stranger in the UK after 21 years abroad

    Is it safe to travel to Poland right now? Latest advice after Russian drone attack

    Is it safe to travel to Poland right now? Latest advice after Russian drone attack

    I stayed at the new London hotel with immunity-boosting IV drips and a free photobooth

    I stayed at the new London hotel with immunity-boosting IV drips and a free photobooth

    Europe’s 20 cheapest beach towns revealed – golden sand and £33 flights

    Europe’s 20 cheapest beach towns revealed – golden sand and £33 flights

    Discover Africa’s hidden gem for winter sun – luxury, culture and no jetlag

    Discover Africa’s hidden gem for winter sun – luxury, culture and no jetlag

    Little-visited Caribbean island is getting new £292,000,000 airport and first-ever direct UK flights

    Little-visited Caribbean island is getting new £292,000,000 airport and first-ever direct UK flights

    Gigantic £777,577,500 cruise ship with record-breaking water park to launch from UK

    Gigantic £777,577,500 cruise ship with record-breaking water park to launch from UK

    British Airways First Lounge at Heathrow Airport review: ‘So relaxing, I missed the final boarding call’

    British Airways First Lounge at Heathrow Airport review: ‘So relaxing, I missed the final boarding call’

    The cheapest Spanish holiday destinations revealed – from £13 flights to £31 hotels

    The cheapest Spanish holiday destinations revealed – from £13 flights to £31 hotels

    I followed a dusty path in Ibiza and found the ‘White Isle’s’ most iconic hotel

    I followed a dusty path in Ibiza and found the ‘White Isle’s’ most iconic hotel

    Trending Tags

    • Golden Globes
    • Mr. Robot
    • MotoGP 2017
    • Climate Change
    • Flat Earth
  • Health
  • Opinion
  • Science
  • Tech
  • Crypto
  • Travel
  • Real Estate
  • Sports
  • More
    • Press Release
UK Herald
No Result
View All Result

My son's car insurance quote was £28,000 – here's how I cut it to £1,300

by Justin Marsh
July 15, 2024
0
0
SHARES
Share on FacebookShare on TwitterReddit

When Lorraine Allman's 17-year-old son Dylan passed his driving test first time in February, it was something to celebrate, but also another worry.

Whether he would be safe on the road was obviously something that concerned her, but another problem was the cost of car insurance.

Ms Allman, from South Wales, started hunting for deals at the start of this year using comparison sites to get an idea of ​​how much it was likely to cost.

She was aware that premiums had risen significantly in recent years, but was “horrified” when one provider quoted her £28,378.56 a year.

Lorraine, founder of eco-friendly party supply business Party Without Plastic, said: “He passed his test in February, and we were elated. Living in a rural area, where there is very limited access to public transport, without a car or someone to pick him up, he would often struggle to get home from school. He needed this.

“We started shopping around for deals at the beginning of the year using the main insurance comparison sites when he was preparing for his test, just to get an idea of ​​how much it was likely to cost.

“They varied hugely but were all staggeringly high. Most of them came in at around £3,000 to £4,000 but we did have some which were up near £10,000.”

Adrian Flux Insurance, which is marketed as being “perfect for young drivers” on its website, offered Lorraine £10,820.01 per year.

One of the first quotes Lorraine received left her speechless

Elephant came back with £9,400 per year and Quotezone with £7,976 per year.

But she said she laughed in “complete disbelief” when she received an email from provider Go Girl who wanted to charge her £28,378.56 per year to insure Dylan's nearly 20-year-old Hyundai i30, with a black box.

She added: “Honestly, I laughed in complete disbelief when I saw it. It became clear quite quickly just from looking at the quotes that the insurance was going to cost more than the car itself which is just ridiculous… that quote was on a whole different level though.

“I tried to look at it from a business perspective and I thought: 'Well, they obviously just don't want the business'. I mean, why else would they quote that kind of figure?”

All of these quotes were for black box insurance, also known as “telematics”, which is often popular with young motorists. When you sign up for this type of insurance, your provider fits a GPS box to your car which transmits information back to them regarding your driving performance. Your provider then calculates your premiums based on how you drive – so, if you drive “safer” you will be rewarded with lower premiums.

Still way over budget for Lorraine, she had to do some research to find other ways to bring the cost down, including adding an experienced driver, like herself, onto the policy.

quote1gogirl
Lorraine said she 'laughed in complete disbelief' when she saw Go Girl had quoted her nearly £30,000 a year.

According to research from Compare the Market, young motorists aged under 25 could save up to £281 on their car insurance by doing this.

The comparison site found that the typical premium for a young driver is £1,859 with an additional named motorist on the policy. Without any other named drivers on the policy, the average premium for a young person is £2,140 – a 15 per cent increase. However, all named drivers must drive the car for the policy to be valid.

Drivers aged between 25 and 34 could also benefit from this and could save up to £295 on average by adding a more experienced driver to their policy. For motorists of this age group, the typical premium for a driver is £751 if they have another named driver on the policy compared to £1,046 if there are no additional drivers. This is equivalent to a 39 percent saving on car insurance.

#color-context-related-article-3171045 {–inews-color-primary: #F88379;–inews-color-secondary: #FEF2F1;–inews-color-tertiary: #F88379;}

Read Next

Savers with old accounts losing £100s a year – how much switching could make you
Savings and Banking

Savers with old accounts losing £100s a year – how much switching could make you

Read more

Lorraine said she picked up this trick from Martin Lewis' Money Saving Expert site.

She continued: “There are still caveats though – obviously the young person has to be the main driver, otherwise this is called 'fronting' and this is highly illegal. You also have to look carefully at the occupation of the mature driver as simple changes from 'writer' for example, to 'author' can bring the premium down by several hundred pounds, if not more.”

Car insurance costs have surged in the last few years with young drivers facing the steepest increases. The average premium for a motorist aged under 25 with no additional drivers now costs £2,140 compared to £1,783 last year – a £357 increase.

The Financial Conduct Authority (FCA) wrote to MPs in January warning that the cost of car insurance will continue to rise in 2024. The regulator blamed higher energy prices and increased costs to repair cars.

In June, Labor called for an investigation into the “out of control” cost of car insurance. Louise Haigh, now Secretary of State for Transport, said the FCA and the Competition and Markets Authority needed to investigate the sector.

Julie Daniels, motor insurance expert at Compare the Market, said: “Many younger drivers are likely to be struggling to stay on the road as the cost of car insurance has risen by 19 percent in the past year.

“For these motorists, adding an experienced named driver to their policy is a legitimate way to bring down the cost of insurance. Young drivers could save a significant amount of money if they add a parent or other experienced driver to their policy.”

Lorraine managed to find a fully comprehensive policy with Drivesure – a division of Churchill, with up to 10,000 miles per year, including a 12-month breakdown cover for £1,312.

She added: “It can be done, but it shouldn't have been this difficult. The biggest difference was adding a mature driver with a good driving record, and the car itself.”

Other tips she suggested included securing insurance around 21-23 days before its needed as the later you leave it, the more expensive it gets. As well as, paying in full upfront, rather than paying monthly by direct debit.

CEO of Quotezone Greg Wilson said: “As a price comparison site, we compare more than 120 car insurance brands to find our drivers competitive costs, the average cheapest price returned through our system for 17-year-olds as of January this year was £ 2685 and is reflective of market conditions at that time. Without seeing the details of this particular individual, it is difficult to tell why the premium returned was so much higher than average.

“Insurers review each driver individually looking at a number of variations such as the cost of the vehicle in question, whether or not they park on the street overnight, crime rate where the driver lives and any claims or penalty points on their driving history – it's It is possible that this individual may fall into a high-risk category.

“It's very important that customers double check the details on the form are accurate, even a small mistake in a key field, such as postcode or occupation could incorrectly place someone in a high-risk category and therefore return a higher premium.”

All providers mentioned have been contacted for comment.

Source

Tags: carcuthere39sinsurancequoteson39s

Related Posts

MCLAREN 750S JC96 Edition is created special for japan

MCLAREN 750S JC96 Edition is created special for japan

by Justin Marsh
September 13, 2025
0

A new Limited Edition JC96 version of the mclaren 750s has been revealed, aimed solely at japanese enthusiasts. The 750s JC96 is a tribute to the mclaren f1 gtr race cars that...

30M Drivers Could Be Given Car-Finance Compensation Worth £ 18bn, MPS Told

30M Drivers Could Be Given Car-Finance Compensation Worth £ 18bn, MPS Told

by Justin Marsh
September 10, 2025
0

Millions of consumers could be eligible for compensation under the financial Watchdog's motor finance redress scheme, its boss sa.The Compensation Scheme was set up after the supreme court -right that some car...

Over 12,500 UK Streets Demand Urgent Access to EV Charging

Over 12,500 UK Streets Demand Urgent Access to EV Charging

by Justin Marsh
September 7, 2025
0

Things of UK Motorists are Demanding Better Access to on-Street Charging for Electric Vehicles. More than 12,500 drivers have registered a need for accessible charging devices Via Vauxhall's Electric Streets Scheme. FIRST...

Meet Colton Herta: America's Newest F1 Star

Meet Colton Herta: America's Newest F1 Star

by Justin Marsh
September 4, 2025
0

The Fledgling Cadillac Formula 1 Team Has Announced That Indycar Racer Colton Herta Will Serve as Its Official Test Driver for 2026. It marks a substantial change for a driver who has...

Most gen z drivers feel anxious about using petrol stations

Most gen z drivers feel anxious about using petrol stations

by Justin Marsh
September 1, 2025
0

The task of heading to a petrol station to refuel causes anxiety for 39 Percent of Uk Car Drivers. Anxious about refueling is even Greater Among Younger Drivers, With Almost Two Thirds...

Aston Martin Vantage S is F1's New Official Safety Car

Aston Martin Vantage S is F1's New Official Safety Car

by Justin Marsh
August 29, 2025
0

The formula 1 grid will be followed by a new official Safety Car this weekend, with the debut of the Aston Martin Vantage S. Taking up the reins at the 2025 Dutch...

Next Post
Nasa hunting for alien life with three groundbreaking missions – and one will send Dragonfly robot to Saturn's moon

Nasa hunting for alien life with three groundbreaking missions – and one will send Dragonfly robot to Saturn's moon

Popular News

MCLAREN 750S JC96 Edition is created special for japan

MCLAREN 750S JC96 Edition is created special for japan

September 13, 2025
I feel like a stranger in the UK after 21 years abroad

I feel like a stranger in the UK after 21 years abroad

September 13, 2025
Gavin Williamson: ‘Appointing Mandelson was a grave error – Starmer must be held accountable’

Gavin Williamson: ‘Appointing Mandelson was a grave error – Starmer must be held accountable’

September 12, 2025
More growth, fewer boats: Starmer’s reshuffle signals determination to deliver

More growth, fewer boats: Starmer’s reshuffle signals determination to deliver

September 10, 2025
30M Drivers Could Be Given Car-Finance Compensation Worth £ 18bn, MPS Told

30M Drivers Could Be Given Car-Finance Compensation Worth £ 18bn, MPS Told

September 10, 2025
Is it safe to travel to Poland right now? Latest advice after Russian drone attack

Is it safe to travel to Poland right now? Latest advice after Russian drone attack

September 10, 2025
Lifestyle brand Refinery29 closes UK office and lays off journalists

Lifestyle brand Refinery29 closes UK office and lays off journalists

September 9, 2025
UK Herald

All Rights Reserved © UK HERALD - The Voice of UK

Important Links

  • Publish Your article
  • Editorial Policy
  • Contact
  • Advertise

...

No Result
View All Result
  • Home
  • Politics
  • UK News
  • Business
  • Science
  • National
  • Entertainment
  • Gaming
  • Sports
  • Fashion
  • Lifestyle
  • Travel
  • Health
  • Food

All Rights Reserved © UK HERALD - The Voice of UK