Cheap Motor Insurance for provisional licence holder

Hintza

Just a thought (I might be grabbing the wrong end of the stick) If Quinns is so cheap until he passes his test is it still not worth taking that policy and the cancelling when he passes?

CrispyUK

GenuinelyHonest wrote: »

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.

Does it make much difference to the price if you put him as the policy holder and you as a named driver? The various combinations didn't make much difference for me with the cheaper insurers - but if it's little/no more expensive for him to be the policy holder then it might make sense to do it that way around - at least he can take the no claims anywhere then rather than being tied to Direct Line.

And very good of you to take the first years hit for him

hartcjhart

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

dacouch

Hintza wrote: »

Just a thought (I might be grabbing the wrong end of the stick) If Quinns is so cheap until he passes his test is it still not worth taking that policy and the cancelling when he passes?

Quinn as do most companies have charges for cancelling a policy so if you go down this route take these into account. (Please read Quinns Policy and Terms and Conditions before you go with them!)

If you insure the car in your name with your son as the named driver make sure you are honest with the Insurer and inform them he is the main user (If he is the main user) and that he drives to and from work or college (If he does). If you do not it can cause major problems if you need to make a claim

dieselhead

GenuinelyHonest wrote: »

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

I don't want to be a spoil sport but I wouldn't do anything on the basis that he will gain the 1 years no claims, most male young drivers I know seem to have a prang of sorts in the first couple of years of driving!

Hintza

dacouch wrote: »

Quinn as do most companies have charges for cancelling a policy so if you go down this route take these into account.

If it takes the OP son 4 months to pass it would be cheaper taking out the Quinns policy and just cancelling it without refund on unused months if/when he passes his test. If he takes a year then the OP saves £1k.

Or am I missing something?

dacouch

They could do it that way, but its still a Quinn Policy.

If they make a claim before they want to cancel they will get no refund at all from Quinn.

This Policy offers good prices whilst they are learning to drive and you buy it monthly so would normally be cheaper and the plus side is you avoid going with Quinn...

http://www.collingwoodlearners.co.uk/

As I said in previous post if when your son passes his test he will be the main user of the vehicle and / or drives to and from work or college you must tell whoever you Insure it with otherwise there could be big problems if you need to claim

Hintza

So dacouch you reckon Quinn are really that bad?

dacouch

They have a certain reputation

the_kentish_maid

ive just done a Quote for my son and it came out at £89.00 for a month with collingwoods im well pleased as it was nearly 300.00 everywhere else and after a month we can renew plus its fully comp :T