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Car Insurance for someone not yet passed
ilsonreject
Posts: 33 Forumite
I am taking my test in about 3 weeks time but am buying a mates car at the weekend. Ideally I would like to go out on the road when I can before my test so what do I do about insurance?
Can I get insurance as a provisional license holder and if I do will it be a lot more expensive than if i wait until after I have passed and done the Pass Plus?
Anyone give me a pointer as to what to do?
Can I get insurance as a provisional license holder and if I do will it be a lot more expensive than if i wait until after I have passed and done the Pass Plus?
Anyone give me a pointer as to what to do?
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Comments
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It is usually cheaper for a provisional licence holder than someone who has just got a full licence.
Try some virtual quotes online and see the differences it makes using the two profiles (provisional licence v full). Though bear in mind if it is cheaper with a provisional that once you pass your test you will have to tell the insurer, and an increase in premium may follow.0 -
Be very careful. Some insurers (like Quinn) doubled the quote from provisional to full licence, others (like direct line) make no charge.
I would get a quote on the basis of a full licence and then amend the quote to provisional.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0 -
I found Endsleigh insurance to be the cheapest about a year ago, based on my circumstances. It can be difficult to get an online quote, as most of the forms assume you have a full license (i.e. you've passed your test) already. Good luck.0
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Thanks for the replies guys.
I've had a look around and have seen a few Pay as you Go type offers. Could this be an idea, go on PAYG until I've passed and then get "real" insurance?0 -
We couldn't get PAYG for my sons when they passed for some reason, it was so high they said they were really unable to give a competitive price.
In fact as soon as my sons passed their test they could no longer afford to drive, which was a dreadful shame.
However, I agree with the others shop around as companies have preferences for areas and car types and just because one insurer is cheap for one person doesn't mean they will be for everyone. The quotes we got varied between £1800 and £4000 for the same car and the (obviously) same address.I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.0 -
Be very careful. Some insurers (like Quinn) doubled the quote from provisional to full licence, others (like direct line) make no charge.
I would get a quote on the basis of a full licence and then amend the quote to provisional.
i don';t know of any sites that assume this - every site i've seen ask what license type yhou have, and "provisional" is an option
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