Insurance on a caddy for first vehicle

[B.different]

Hi all, I'm in the process of getting a vw caddy mk4 for my sons first car (he a sensible 17 who appreciates a nice bus). I've found one but just been quoted £5880. Think this is because it's a 2.0l 101bhp and not the 1.6l 101 bhp. I'm really want him to have a caddy for the main reason there are only 2 seats for him and his bird, so there no room for mates being a distraction. Has anyone else been in the same position and sorted out a cheaper deal? I know its depending on post codes that can affect prices, but with all the cars we have together, they don't combine to £2k. Is there any insurance brokers or companies that ain't obvious that i could try or advice? Thanks in advance

 

[dubber36]

The algorithms will say that young lads tend to crash works vans, so he will be seen as a high risk to insurers. It won't matter that it might not be a works van. He'd be better off in a cheap to insure ordinary car for a couple of years to accrue some no claims. Plenty of time for him to have something nicer in the future.

 

[Chippie1]

Classed as commercial insurance?

 

[B.different]

Yeah unfortunately. Thought it would be around the same price as a car because it only has 2 seats, so less of a distraction without passengers being passengers of there age. If i could get it down to £3k I would be happy-ish.

 

[PhillH]

Try a maxi life, they have more seats which can easily be removed. This was the only way my friends son could get insurance on a caddy. A SWB life’s are pretty rare

 

[B.different]

Just missed out on a swb life unfortunately but I've still got time yet so ill keep looking. And try and get a price for that instead. Suppose it would be classed as a car so no ulez crap to worry about.

 

[DaveD]

I think I'd settle for a couple of years of him driving a 1.0 litre Corsa, then move on to a Caddy.
£5800 is utterly mad money for a year of insurance, IMO.

 

[darkman884]

I think I'd settle for a couple of years of him driving a 1.0 litre Corsa, then move on to a Caddy.
£5800 is utterly mad money for a year of insurance, IMO.

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• 
  
• i put my son in a citroen c1 for the first two years nice little specced car for his commute , zero road tax at the time.
• i figured he wouldnt get banned in the first 2 years ,due to speeding , new drivers only allowed 6 points.
• still about 1500 quid .
• he freaking hated it.
• lol
• however after 2 years he got some no claims , and now rides a 3 litre twin turbo diesel bmw, about 1300 quid fully comp
• he freaking loves it

 

[B.different]

I think I'd settle for a couple of years of him driving a 1.0 litre Corsa, then move on to a Caddy.
£5800 is utterly mad money for a year of insurance, IMO.

Totally agree nearly 6k is ridiculous especially as it paid 2k for each of my girls first cars. Can't stick him in a vauxhall otherwise he will stick me in a home at the first opportunity He's a proper vag and McLaren enthusiast

 

[Johny]

If you can't stick him in a vauxhall, make him pay for the insurance himself.

 

[B.different]

Cant do that, the deal i had with all my kids were i buy there first car, insurance, tax and servicing/repairs for the first year of driving. Was a good idea i had with the first daughter forgot how quick times comes when you have 2 more

 

[dubber36]

Then he should have the same as your daughter had. I bet that wasn't a Caddy.

 

[Sasquatch]

Cant do that, the deal i had with all my kids were i buy there first car, insurance, tax and servicing/repairs for the first year of driving. Was a good idea i had with the first daughter forgot how quick times comes when you have 2 more

I bought my oldest a Metro as a first car. She's now driving an X5M while she awaits her new Aston Martin to be built.

Next daughter along I bought her a 107, a great little car, but shes not a car person and drives a knackered MINI D.

Fortunately I've a few years yet before the final one is old enough.

 

[StratosFearXX]

My son got a MK4 2 litre 100bhp Caddy recently, think he's paying around £550 insurance but he's 26 ... some of the quotes he got were astronomical, I'll ask him who he's with.

 

[Ali-G]

I really want him to have a caddy for the main reason there are only 2 seats for him and his bird, so there no room for mates being a distraction.

When I was a lad one of my mates had a Morris 1000 van, we used to get half a dozen of us in there.

 

[Sasquatch]

When I was a lad one of my mates had a Morris 1000 van, we used to get half a dozen of us in there.

During one boozy night out in the army we got seven in the adjutants triumph stag.

 

[darkman884]

I went to tenerife.
U went to elevenerife.
And of course
black cats ,,, my black cat is blacker than your black cat lol

 

[Sasquatch]

I do actually have a black cat, so that falls flat at the first hurdle.

 

[B.different]

So just found a caddy life swb and the quote has come back just under £2100 with a box and £7800 without a box. So really insurance don't actually make sense and they are just robbing c u next Tuesday people!!

 

[Bav]

So just found a caddy life swb and the quote has come back just under £2100 with a box and £7800 without a box. So really insurance don't actually make sense and they are just robbing c u next Tuesday people!!

Yup - can't possibly imagine why the premium would be so much higher without a black-box.