There’s no real saving grace Gav for 17-25 it’s a rip off , but to try and reduce premiums look into


Black box
Safe driving curfews
Mileage limits


Some detail on smart / black box [size=78%]https://www.co-opinsurance.co.uk/youngdriverinsurance/smartbox[/size]

The strangest thing I've found is in a lot of cases there is no or very little difference even between the cost of 3rd party cover than going fully comprehensive .
Best we're getting so far is around £1800 fully comp , on a 1.3 Suzuki Jimny which is more than the car cost !!!

Yeah it's a PITA because it's the third party risk which is the expensive bit, i.e. the chance of the young driver whacking into an expensive car and potentially the injuries, loss of earnings, hire car etc etc etc. 

It’s cheap for provisional because you’ve got a experienced driver in the car with you, teaching you.

£1.8k is cheap. At 25, I was paying £6k to insure my RX8. It was £467/month with a massive first payment of nearly a grand.

I was paying over 3k to insure my ford Ka when I passed my test.

I’m 29 with a clean licence and it’s still over a grand.

The postcode is the main factor, mine is the highest risk.

The third party vs fully comp thing isn’t that fully comp isn’t much more, it’s that 3rd party is expensive. If you’re not arsed about your own car being covered, you’re likely not going to be so careful. I.e if you break it, you’d buy another banger.

The value of your car is irrelevant. They’re concerned the insured party is going to crash into a brand new S Class, or several cars.

Honestly, the cheapest way to be young on the road is to find a just-add-fuel deal that accepts that age, and do that. Most only accept drivers aged 21 up, but my nephew has a brand new fiesta,he’s 19 and passed his test last year. It’s about £220/month iirc.

My current car is a 3L V6. 

The post code I had when I was paying that for the RX8 was M15 4DP, type that in to your quotes...

Stupid thought but I’m paying around £320 p/y F.C. on my 400hp RX7 with all my NBC tied up on my main car, (classic car policy via performance direct) which by the way is twice the price nearly at £550 F.C. with 10yrs + NCB for a bmw 318 d estate - I’m not sure how this would affect a young driver, may not even apply if you only have the one car but could you look at insuring something older on a classic car policy to reduce the premiums, or even try some of the performance car insurers such as Adrian Flux or Performance Direct they are great at getting good premiums for younger drivers

only 3L v6 i could think of E43?

when i moved last year, the insurance company ended up paying me!