Cheap Motor Insurance for provisional licence holder

GenuinelyHonest

Hi Everyone,

I've reached that dreadful moment when I have to get car insuarance for my son who is learning to drive.


I've got a small T reg car (1000cc) it will be in my name with him as a named driver and will have 0 no claims bonus as I have another car.

Any clues as to good insurers and the price I should have to pay???


Look forward to hearing from you all.

Rikki

Insure it in his name and you as the named driver.

Hintza

Whilst he is learning that shouldn't be a problem but once he passes his test insuring in your name with him as the main driver is known as fronting and could invalidate your policy (just worth thinking about)

What prices are you being quoted?

I found Tesco and Kwik-Fit cheap others swear by Endsleigh. A quick search on here will come up with others but I'm afraid it will all be about spending time filling the forms in online. The price comparison sites can help but you sometimes get a better deal going direct. Look at Quidco too £80 cashback on an RAC policy just now.

Just to warn you this could cost you upto £2,000 in his name (after passing test)

GenuinelyHonest

Best offer so far is Quinns at £465 but then there's a huge jump into four figures!

Hintza

GenuinelyHonest wrote: »

Best offer so far is Quinns at £465 but then there's a huge jump into four figures!

Sounds good bite their hand off (if you are being straight in your application)

dacouch

GenuinelyHonest wrote: »

Best offer so far is Quinns at £465 but then there's a huge jump into four figures!

The problem with Quinns (Apart from in my opinion they are not great on claims) is that they quote a low price when you get a quote with a provisional licence. When he passes his test and rings to tell them they will ask for an additional premium which will roughly double the premium. (Most companies do not increase the premium when you pass your test part way through the policy)

If you decide to go with Quinns, run a quote through with your son having a full licence as this is roughly what the premium will go up to when he passes his test.

I recommend you read the small print on the Quinn Policy before you commmit yourself

negg

I tried to claim off Kwik-Fit once and would never ever go back to them again. It ended up costing me thousands because of their incompetance.

As far as I know Tesco are actually Direct Line for car insurance. So it it worth checking out Direct Line as well. I have claimed from Direct Line and they were superb. I have friends who claimed from Tesco and they weren't as good, but still of a high standard compared to most other insurance stories you hear.

Just don't fall for any 10 month policy or "named drivers get a no claim discount". Other companies won't accept these no-claims transfers.

CrispyUK

Direct Line worked out the cheapest for me when I had passed my test at 19 and got my first car, although pricey at £1850 but I was classed pretty high-risk, young, male, just passed - also driving a bigger/newer car than you've mentioned.

It was certainly cheaper than the places quoting me £4-5k premiums!!

So yep, give them a try, and also Churchill who I've found to be cheaper than Direct Line at renewal time (but DL have always matched).

It may be worth looking at insuring in his name, if he can build up his own no-claims then the sooner the better, my 1yr of driving and 1yr no claims took £1,000 off my policy.

hartcjhart

My nephew used these people,

http://www.youngmarmalade.co.uk/images/index.php

why pay for a whole year if not needed

GenuinelyHonest

I've already got the car so youngmarmalade doesn'r work.

I've looked at the others and although Quinn is cheap for the first year once he owns the car and insures it it's sky high. Direct Line looks about the best he can build up a no claims as a named driver and then transfer it to his own policy.

Its expensive for the first year circa £1500 (that's with him as the named driver) but goes down well after that when he's the policy holder. So as a good parent I guess Ill take the hit for the first two years so that his insurance is manageable when he's paying for it himself.

Thanks for all the advice.:D

hartcjhart

you dont need to buy the car from them they do just the insurance

Ahh just checked the link and it reverts to the main page,

so click the link and on the right hand side you will see a box with 'learning to drive'
click that and it takes you to the correct page