Should I inform Ins my son has passed his test?

DSmiffy

Hi all,
I insured my son as a third driver along with myself and my husband with Quinn Direct for a total of £833.00 when he still had his provisional licence. He has now passed his driving test, so do I need to inform the insurance company, and if I do, will they increase my policy costs? Or maybe I should be due a refund (ha, ha!!) :rotfl:

Has anyone had any experience of this?

Thanks

PurpleK8

unfortunately you do have to warn them or the insurance is invalid

I had this this 3 weeks ago with my 17 year old daughter, she phoned to tell us she'd passed her test, phoned Quinn to let them know and then phoned me back to ask if she could have my credit card to pay an extra £300!

I do appreciate that they are at more of a risk of having an accident now that they're driving alone but the extra money isn't even for a complete year.

the premium apparently does go down in price once they've completed the 'pass plus' course but I can't see Quinn giving a refund!

Quentin

Yes - you must inform them. Expect an increase if he's staying on the policy, or a refund if he's coming off it.

Jakg

Quinn? Good luck!

My policy was about £20 over £1k when on my provisional - I phoned them up when I passed my test (I was on a high that day ), and the bloke at the end of the phone said "Congratulations! However as your now a high risk driver we require an extra £964 from you..." and I was just like :0

Consider getting £300 extra "easy" - I paid almost the original amount AGAIN just to get on the road.

EDIT - They gave me a 2 week "grace period" before I had to pay.

Call 'em on 0845 850 0845 - the lines are open till about 7 at night (and you know your calling them too much when you know that!)

rev_henry

For the info of anyone else, I'm 17, on provisional, (test next month!) and named driver on my mother's insurance. I'm with Zurich, who, as well as being the cheapest for us do NOT increase the cost when I pass (or if!). I checked before I took out the policy.

rev_henry

Jakg wrote: »

Quinn? Good luck!

My policy was about £20 over £1k when on my provisional - I phoned them up when I passed my test (I was on a high that day ), and the bloke at the end of the phone said "Congratulations! However as your now a high risk driver we require an extra £964 from you..." and I was just like :0

Consider getting £300 extra "easy" - I paid almost the original amount AGAIN just to get on the road.

EDIT - They gave me a 2 week "grace period" before I had to pay.

Call 'em on 0845 850 0845 - the lines are open till about 7 at night (and you know your calling them too much when you know that!)

GOOD GRIEF that is unbelievable. Was it not cheaper just 2 change companies at that point and get a partial refund? They really do take the p!ss sometimes. But I guess someone's now going to say that, as a 17 year old male I will definately crash in the next few months and that is why etc etc. Can't wait till I'm 20something and can insure anything other than a beantin econobox...

PurpleK8

Consider getting £300 extra "easy" - I paid almost the original amount AGAIN just to get on the road.

I appreciate that this is because shes a girl, her initial premium was only £500 (for her own car) - I'm now dreading the thought of my son learning to drive!

I wonder if there is a warning anywhere on MSE about quinn? I didn't even to think of the premium rising when she took out the policy, quinn was about 50% cheaper than anyone else at the time - obviously false economy!

rev_henry

PurpleK8 wrote: »

I appreciate that this is because shes a girl, her initial premium was only £500 (for her own car) - I'm now dreading the thought of my son learning to drive!

I wonder if there is a warning anywhere on MSE about quinn? I didn't even to think of the premium rising when she took out the policy, quinn was about 50% cheaper than anyone else at the time - obviously false economy!

I had previously wondered if the savings in reduced insurance premiums would more than fund a sex change...?!

PurpleK8

rev_henry wrote: »

I had previously wondered if the savings in reduced insurance premiums would more than fund a sex change...?!

:rotfl: :rotfl: :rotfl:
don't even think I'll suggest that option to DS, hes just going to have to start saving his paper round money!!

rev_henry

PurpleK8 wrote: »

:rotfl: :rotfl: :rotfl:
don't even think I'll suggest that option to DS, hes just going to have to start saving his paper round money!!

Haha. Hmmm petrolheadedness vs manhood...

Jakg

rev_henry wrote: »

GOOD GRIEF that is unbelievable. Was it not cheaper just 2 change companies at that point and get a partial refund? They really do take the p!ss sometimes. But I guess someone's now going to say that, as a 17 year old male I will definately crash in the next few months and that is why etc etc. Can't wait till I'm 20something and can insure anything other than a beantin econobox...

No - the car I drive (A Proton Wira 1.5 - a 1990's FWD Lancer which looks a bit different) is group 11 for some crazy reason (mmmm 84hp :rolleyes: ) and so if I swapped the cheapest quote I could get was for £3,500 from... Quinn again...

Young drivers do crash, but very very few claim on the insurance - so theres no reason to charge £2,000 to insure a car which takes over 12 seconds to get to 60...

EDIT - Quinn are cheap and have great benefits, but ALWAYS get a quote for when you've passed, too! Quinn wanted £3,500 for my car for Mr. Green, but would of only wanted £1,500 for Miss. Green - it's cheaper to cut the bloody thing off and then have it re-attached later :P

All I can say is look for "weird" cars - Saxo's, 106's etc are "high risk" because boy-racers have a nasty habit of doing silly speeds (100 is fine... in a sports car. In a car that weighs less than a ton and is made out of paper thing metal, it's !!!!ing lethal) in those sort of cars and writing them off - You *should* be able to get insured on an Astra or Focus for the same money as a little 106 or whatever. For ultimate Pimp Status the Volvo 340 and 460 are worth a look, too - Look for cars which tend to have few accidents, i.e. where the average owner is about 90.