How to insure my 20-year-old to drive the 111R
How to insure my 20-year-old to drive the 111R
I'm planning a big road trip this summer ('Ring, Stelvio) and my son might come along.
He'll definitely be swayed if I can get him on the insurance. Plus I'd like him to get some experience of driving the Lotus when I'm with him.
Car currently insured with Admiral - renewal in a month or so. Any ideas who to go with?
He'll definitely be swayed if I can get him on the insurance. Plus I'd like him to get some experience of driving the Lotus when I'm with him.
Car currently insured with Admiral - renewal in a month or so. Any ideas who to go with?
Honda Jazz - teenager insurer friendly spec
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Re: How to insure my 20-year-old to drive the 111R
Could you not add your son to the insurance for say a month during time that this would cover your road trip, dont know if this is possible but could save some money if quotes were too high for the year.
07 Exige S Sports with 2bular
Re: How to insure my 20-year-old to drive the 111R
Insurance for under 21s is pretty much a no go unless you want to pay ridiculous amounts of money. I know Admiral dont touch under 21s on Lotii
(from experience)
(from experience)
S1 Elige Audi 1.8T
S1 Elise Honda K20
VW T6.1 family bus
S1 Elise Honda K20
VW T6.1 family bus
- BiggestNizzy
- Posts: 8932
- Joined: Sun May 27, 2007 6:47 pm
- Location: Kilmarnock
- Contact:
Re: How to insure my 20-year-old to drive the 111R
Best of luck finding something reasonable, Insurance for younger drivers is massive ( an apprentice at work is paying £1500 a year for a sheddy only clio.
I feel partly to blame as I spent my early years bouncing off everything*
*although I never claimed, it was never worth it as I drove sheds (still do)
I feel partly to blame as I spent my early years bouncing off everything*

*although I never claimed, it was never worth it as I drove sheds (still do)
Sent from my ZX SPECTRUM +2A
Re: How to insure my 20-year-old to drive the 111R
BiggestNizzy wrote: I feel partly to blame as I spent my early years bouncing off everything*
*although I never claimed,


I too have to accept some responsibility - in my quest to find the limit I crossed it a few times

2015 Lotus Evora
2022 Polestar 2 LRSM Plus
2023 Skoda Kodiaq Sportline
2022 Polestar 2 LRSM Plus
2023 Skoda Kodiaq Sportline
Re: How to insure my 20-year-old to drive the 111R
It's do-able ... But you won't like the cost...
Just checked my docs here's what I paid
Red Lotus S2 2002 - 18 years old - £4897
Blue Lotus S2 2002 - 19 years old - £4400
Silver Lotus S2 2003 - 20 years old - £3600
Black S2 Exige - 21 years old to date (I've just turned 22) - £1780
The Elise for some reason was a lot higher than the Exige - but I think this has something to do with the fact the Exige is classed as a coupe!
The first 2 policies were through Endsleigh then moved back to Bell.co.uk for the Exige. As Phil says - The Admiral Group won't touch you until 21
Just checked my docs here's what I paid
Red Lotus S2 2002 - 18 years old - £4897
Blue Lotus S2 2002 - 19 years old - £4400
Silver Lotus S2 2003 - 20 years old - £3600
Black S2 Exige - 21 years old to date (I've just turned 22) - £1780
The Elise for some reason was a lot higher than the Exige - but I think this has something to do with the fact the Exige is classed as a coupe!
The first 2 policies were through Endsleigh then moved back to Bell.co.uk for the Exige. As Phil says - The Admiral Group won't touch you until 21

Re: How to insure my 20-year-old to drive the 111R
X7LDA wrote:
Just checked my docs here's what I paid
Red Lotus S2 2002 - 18 years old - £4897
Blue Lotus S2 2002 - 19 years old - £4400
Silver Lotus S2 2003 - 20 years old - £3600
Jeeeeeeeeeeeeeeeeeeeeeeeeeeeez!!!!!!!
Double TakeX7LDA wrote:
Red Lotus S2 2002 - 18 years old - £4897

JEEEEEEEEEEEEEEEEEEEEEEEEEEEZZZZ!!!
Planes, Trains and Automobiles. Wanted: Train.
Re: How to insure my 20-year-old to drive the 111R
Yup it wasn't pretty
I only had the Silver Elise for the full year of the policy though, the other two only made it 6 months and 8 months before i traded them in.. So techincally didn't pay the full whack each time ................... If that makes it any better???



I only had the Silver Elise for the full year of the policy though, the other two only made it 6 months and 8 months before i traded them in.. So techincally didn't pay the full whack each time ................... If that makes it any better???


Re: How to insure my 20-year-old to drive the 111R
Ummmmmm.X7LDA wrote: ................... If that makes it any better???![]()
Nope!!

Wow. I genuinely didn't realise that the premiums were so much at 18/19/20.
When I was 19 I had a Capri 2.0S and in its' time I suppose it was in the same ballpark as an elise but I don't remember the insurance being such a high %age of the value. Maybe I am just not remembering correctly but 4k for insurance is horrendous. Presumably if you have a prang then it must go even more ballistic.

Planes, Trains and Automobiles. Wanted: Train.
Re: How to insure my 20-year-old to drive the 111R
NOOPS 160 wrote:I think in the light of age of driver and type of car to be insured its not outrageous....Its expensive because a younger driver is deemed to be inexperienced etc:?:renmure wrote:Ummmmmm.X7LDA wrote: ................... If that makes it any better???![]()
Nope!!![]()
Wow. I genuinely didn't realise that the premiums were so much at 18/19/20.
When I was 19 I had a Capri 2.0S and in its' time I suppose it was in the same ballpark as an elise but I don't remember the insurance being such a high %age of the value. Maybe I am just not remembering correctly but 4k for insurance is horrendous. Presumably if you have a prang then it must go even more ballistic.
If it was cheaperevery Tom,Dick or Harry would be driving (crashing) Elises

I think a LOT of my mates looked at Loti thinking "I could finance that easy" but don't even think about insurance/maintanance etc. I think then by the time the insurance becomes affordable most people have other commitments and the chance passes them by. Im lucky enough to be able to afford it - it was the car that me and mrs had wanted for a couple of years - so why not.

Re: How to insure my 20-year-old to drive the 111R
Thanks all for your input so far. Particularly the premiums paid - knew it would be bad but not that bad.
So here is what I've found with a few minutes on the net.
Bell, self only driving, 4000 miles, car garaged, protected ncb, legal cover and personal injury (defaults) £291.85. Pretty damn good price I'd say.
Add my wife to the policy (though less than zero chance of her driving the car), no other changes, drops to £246.70
I've noticed recently that adding any 'mature' woman to car policies takes the cost down; my pal named his sister - so it is well worthwhile trying this to see what happens. I've tried quotes in my sons name, and adding his mum as a named driver has a great affect.
So, back to my boy. Added him to the policy aged 20 - guess what - no quote. Changed his age to a 21-year-old though and the quote was a very reasonable £811.60
I'll keep shopping........
So here is what I've found with a few minutes on the net.
Bell, self only driving, 4000 miles, car garaged, protected ncb, legal cover and personal injury (defaults) £291.85. Pretty damn good price I'd say.
Add my wife to the policy (though less than zero chance of her driving the car), no other changes, drops to £246.70
I've noticed recently that adding any 'mature' woman to car policies takes the cost down; my pal named his sister - so it is well worthwhile trying this to see what happens. I've tried quotes in my sons name, and adding his mum as a named driver has a great affect.
So, back to my boy. Added him to the policy aged 20 - guess what - no quote. Changed his age to a 21-year-old though and the quote was a very reasonable £811.60
I'll keep shopping........
Honda Jazz - teenager insurer friendly spec
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Re: How to insure my 20-year-old to drive the 111R
Update. Self and wife with Endsleigh £427. Add a 20-year-old now £4159 

Honda Jazz - teenager insurer friendly spec
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Re: How to insure my 20-year-old to drive the 111R
Direct Line self and wife £314 and need to have aTracker installed; won't insure my son
Honda Jazz - teenager insurer friendly spec
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Re: How to insure my 20-year-old to drive the 111R
Do you have to date him from birth??grittle wrote: Added him to the policy aged 20 - guess what - no quote. Changed his age to a 21-year-old though and the quote was a very reasonable £811.60
Can't you do it from Conception??

Planes, Trains and Automobiles. Wanted: Train.
Re: How to insure my 20-year-old to drive the 111R
So deal done. Gave up trying to get affordable insurance for a 20 year-old. Yes Endsleigh would do it but at huge cost.
Shopped around more than usual this year; called Richard Egger and CCI plus Bell, NU, DL etc etc. In the end stayed with Admiral - both cars including commuting and low excess of £250 for £615. Could have shaved off a few quid by swapping, but with bigger excesses. What swung it was my pal has just had a claim with Admiral and they handled it very promptly. Can add son aged 21 on for days at a time cost >£30 per week
One additional tip. Zero logic to this, but I've found Admiral and Bell charge you MORE if either car is garaged. Same cost to park on the street or in the drive. Nope, doesn't make sense. So price is the same if the car is garaged and not used for commuting versus parked on the street and used to go to and from work.
X7LDA - thanks for the wave tonight at the bottom of Liberton Brae.
Shopped around more than usual this year; called Richard Egger and CCI plus Bell, NU, DL etc etc. In the end stayed with Admiral - both cars including commuting and low excess of £250 for £615. Could have shaved off a few quid by swapping, but with bigger excesses. What swung it was my pal has just had a claim with Admiral and they handled it very promptly. Can add son aged 21 on for days at a time cost >£30 per week
One additional tip. Zero logic to this, but I've found Admiral and Bell charge you MORE if either car is garaged. Same cost to park on the street or in the drive. Nope, doesn't make sense. So price is the same if the car is garaged and not used for commuting versus parked on the street and used to go to and from work.
X7LDA - thanks for the wave tonight at the bottom of Liberton Brae.
Honda Jazz - teenager insurer friendly spec
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)
Audi S4 - petrol station friendly spec
Nissan GTR - unmarked cop car spec
Porsche Boxster S - sunny day spec
Elise 111R - now living in Germany
Caterham SV - now living in Germany (err is there a theme here?)