Young Drivers' Insurance.

mrs_T

I asked my insurance co (esure) to quote for adding my 17 year old daughter to my insurance and they said no, they wouldn't insure females under 19, probably older for boys. How can I get insurance to give her driving practice? My mum tried with her ancient peugeot 206 and was quoted 1800 pounds, more than the cars worth.

wallbash

Daughter was 17 , car fiesta , company Direct Line
She owns the car, and is the only driver, living in the SE England
First year £960 , but have recently renewed at under £600.

So yes the first year is tough, but it gets better.

BikerEd

My 18 year old daughter, who still hasn't passed her test, has been insured since Christmas (aged 17.5) in her own two year old VW Fox. Despite the relatively high value of the car it is only £650/year to insure. My wife and I are both named drivers on the policy and both of us have access to other vehicles (car for her, bikes for me). We got the insurance by following Martin's advice to use the comparison sites and in the end we got a policy from Elephant. She intends to do passplus after her test in a couple of weeks time and says she is going to try for her IAM test before renewal. I'm sceptical about that bit but admire her for wanting to try. Hopefully this will all mean a drop (or at best no increase) in her premium in December.

Harry_Potless

Thanks for all the replies.

I learned a lot - I was seriously going to "Front" his insurance before I posted this.

Thanks to everyone who explained that to me and for all the other tips.

I guess it's best he had his own insurance to build his own NCB on.

Nice 1.

cajef

Have a read here

http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm

Harry_Potless

cajef wrote: »

Have a read here....................................../QUOTE]

That's an interesting and informative article.

I was even considering being the registered owner of the vehicle, though.

Would be pretty hard to prove "fronting" and pretty easy to defend it if I was the registered owner, I'd have thought.

As for the hypothetical claim whilst the car was in the University car-park, well that was on one of those occasional times he drove himself, rather than have me take him - he IS a named driver of the vehicle, after all and they've been happy to accept the premium payments for long enough without complaint.

But, all-in-all, I guess it's best he has his own insurance and earns his own NCB.

Thanks for your trouble in posting.

It's appreciated and was interesting.

dacouch

Harry, do you have another vehicle that you also drive? Does your wife / partner have another vehicle as well?

flyingscotno1

Harry_Potless wrote: »

cajef wrote: »

Have a read here....................................../QUOTE]

That's an interesting and informative article.

I was even considering being the registered owner of the vehicle, though.

Would be pretty hard to prove "fronting" and pretty easy to defend it if I was the registered owner, I'd have thought.

As for the hypothetical claim whilst the car was in the University car-park, well that was on one of those occasional times he drove himself, rather than have me take him - he IS a named driver of the vehicle, after all and they've been happy to accept the premium payments for long enough without complaint.

But, all-in-all, I guess it's best he has his own insurance and earns his own NCB.

Thanks for your trouble in posting.

It's appreciated and was interesting.

I believe that some insurance companies have been known to hire PIs to check on these things when they suspect something up.

Jakg

If my insurers called where I work, they'd tell them I drive in, and if they call the company that owns work's carpark they'd have a form signed by me giving my car unlimited use for the carpark.

Similarly - My School (well i've left now w00t but a few months back I hadn't...) would also confirm that they've only ever seen myself driving anywhere.

In this case I would have to prove that I wasn't the main driver - if it's 7 miles to School each way and then 20 to work, and my car is in the respective carpark each day, then I would have to prove that while I wasn't using my car - the main driver on the policy was doing over 150 miles a week during the evenings - even though my Mum works at night and has her own car which she uses and my Dad works shifts with his car recorded as driving to work on their CCTV. As such - i wouldn't really have a leg to stand on and i'd be uninsured - Even simpler would be to check when i've filled up - my car does 230 miles on a tank and I fill it up once a week - as such it's impossible I could be anyone else but the main driver.

I've just been my own demise in 5 minutes - imagine what an insurer would do with the chance to avoid a £million payout to the victims of an accident involving Mr. Fronter?

As such - I'm the main driver - and my parent's are named drivers...

Hintza

One way to get round fronting is if the kids are away at university and the parents drive the car whilst they are away then of course it wouldn't be fronting, if they only drove whilst at home.