VW Polo 1.4 Diesel Insurance for 17 Year Old

**ryang148** · 02-09-2012,12:22 PM

Hello there!

I am looking for a first car and really want a VW. I have been looking at the Golf, 1.4 Petrol and Polo 1.4 diesel, but the insurance on a Polo is nearly £4000!

What would you guys recommend!?

Thanks!

**zollaf** · 02-09-2012,01:05 PM

welcome to the forum.
£400 isn't bad for insurance really you know. (you did put £4000 but i presume thats a typo)

**ryang148** · 02-09-2012,01:18 PM

No, its £4000!

**amjidkhan1982** · 02-09-2012,01:28 PM

Get insured with a parent or someone older as the policy holder. Also ask them to maybe get a multi-car policy as they may also save money on their policy.

**ryang148** · 02-09-2012,01:31 PM

If im main driver though, isn't it illegal?

**gupsterg** · 02-09-2012,02:13 PM

Something to consider.... Link:- Curfew car insurance aids young drivers - November - 2009 - Which? News

Some comparisons of other cars... Link:- Teens pay £11,500 for first year on road | News | Auto Express

Extract from above linked page:-

Five cheapest cars to insure (17-20-year-olds)

Make	Annual premium
Ford Ka MkII	£1,651
Ford Ka	£1,781
Peugeot 107	£1,994
Daewoo Matiz	£2,258
MINI One	£2,269

(Based on cars costing £600-£10,000. Source: Confused.com)

Five most expensive cars to insure (17-20-yr-olds)

Make	Annual premium
Honda Civic	£4,516
VW Golf	£3,928
Vauxhall Astra	£3,723
Ford Focus	£3,677
Renault Megane	£3,327

(Based on cars costing £600-£10,000. Source: Confused.com)
Since I read above in Auto express I'm dreading when my eldest wants a car...

**chody** · 02-09-2012,02:21 PM

i found that a renault clio was one of the cheapest cars to insure for my daughter but if you are determined it has to be a vw try getting a quote for a 1.0 litre petrol polo and make sure you add your parents as additional drivers even if they never do it will bring the premuim down, auto express did a test with adrian flux and they said a 1.o toyota yaris was the cheapest car to insure for a 17 year old

**ryang148** · 02-09-2012,03:02 PM

Hmm okay, i defo want a VW. I really want a diesel, from what all my family say, diesel is a lot better...

**davemidd** · 03-09-2012,12:23 AM

What age is that car you've had the quote for? A mates brother had a quote for a petrol 1.3 Escort, S or T reg and it was over £3000, far more than the car was worth. In the end it was cheaper to buy a Fiat Sciencento/Cinqecento or whatever funny named thing it was, 07/08 plate i thnk, for less than £2000. Ok the engine is smaller, poss a 1.2 but the difference ininsurance was ridiculous.Neither car was amazing, speedy or such like. Apparently the newer the car the (insurance company assumes) more responsibilty the young driver shall have for the car, as they would have shelled out more cash for it.

**JimC64** · 03-09-2012,12:41 AM

Hey there.....I went through this issue with both my sons a few years back and the OP is about spot on £4000 NOT £400

For my 17 and 18 year olds just passed, I was getting quotes back in the region of anywhere between £2900 - £6000 or more, and this was on a Renault Clio 1.2 W plate ( around 10 years old ).........The cars were only £1000 for gods sake!!

To the OP - No offence meant here buddy, but it depends on what kind of guy you are?

Are you looking for the absolute best deal, best price no matter what OR are you going to be running around at 3am with 4 mates in the back of the car?

The reason I ask is as follows..........

My 2 sons went with a company called Ikube ( you'll have to look them up on the internet )

They attached restrictions that meant they could not drive between 11pm and 5am.
They enforced this by fixing a tracker to the car, included in the cost of the premium

My 18 year old son paid around £1100 iirc and my 17 year old paid £1500

I do know its still a lot of money but much more achievable than £4000

Just a thought and hope it helps

Good luck