Young Drivers' Insurance.

Hadrian

mrs_T wrote: »

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.

If you try one of the many insurance comparison sites you will find that AFTER 25 is the age they consider to be a normal risk.

melorablack

mrs_T wrote: »

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.

Don't Esure only insure older drivers anyway? like Sheila's Wheels insures women..it's how they keep their premiums down for their chosen market.

bhavinshah

Have you considering Endsleigh's student insurance? You pay for 6 months, after which you get 1yr no claims as long as you stay with endsleigh for another yr. at the end of that 18 month period, they give you a 2 year no claims certificate, which you can take elsewhere.

andyman2303

Don't bother with Pass Plus, hardly any insurers take it, and the ones that do are more expensive anyway, so a waste of money (although if he hasn't ever driven at night/rain/motorways(which he shouldn't have anyway) then it's good experience for him - not that I'd know!

My insurance was fairly cheap first year. Aslong as you don't mind being 3rd party (get fire & theft, hardly any difference - a friend learnt the hard way when his car caught fire!) then get that. The jump for a brand new driver from 3rd party to Fully Comp is enormous.

Ignore everyone saying about how your insurance is null and void blah blah blah. There's no way the insurance company can prove you aren't the main driver. And they won't go to the trouble of calling his school, his friends, the village idiot to find out if it's true or not. Just do it.

If your son does intend on going to uni as well, let the insurance company know - my premium came down 10% as you are only driving infrequently.

Rikki

andyman2303 wrote: »

Ignore everyone saying about how your insurance is null and void blah blah blah. There's no way the insurance company can prove you aren't the main driver. And they won't go to the trouble of calling his school, his friends, the village idiot to find out if it's true or not. Just do it.

It has been well reported in the press about fronting and peoples car insurances being void. Be careful what you advise!

bhavinshah

andyman2303 wrote: »

Ignore everyone saying about how your insurance is null and void blah blah blah. There's no way the insurance company can prove you aren't the main driver. And they won't go to the trouble of calling his school, his friends, the village idiot to find out if it's true or not. Just do it.

It is illegal though (not just a lie), so you risk going to court if, by whatever method, they do find out.

raskazz

andyman2303 wrote: »

Ignore everyone saying about how your insurance is null and void blah blah blah. There's no way the insurance company can prove you aren't the main driver. And they won't go to the trouble of calling his school, his friends, the village idiot to find out if it's true or not. Just do it.

Very bad 'advice'.

movingforward2010

how would they actually find out? even if they watched for a week and saw someones son driving the car for the whole time how could they prove it? do they go on averages? what if he only drove the car for 2 weeks a year,whilst parent was on holiday/hospital??, hes on the insurance so he would be covered. And if the parent was the reg keeper it would be very hard to actually prove, just another way for them to wriggle out of paying out on the insurance. not that i condone it, just my 2 cents...

edit , does this only apply to young drivers? what if there is a husband and wife etc, can only one of them drive the car all the time, and the other use it now and again??

scare tactics always work...

dacouch

There are lots and lots of ways the Insurers can prove to the satisfaction of the ombudsman that the young driver is actually the main driver.

BikerEd

dacouch wrote: »

There are lots and lots of ways the Insurers can prove to the satisfaction of the ombudsman that the young driver is actually the main driver.

Such as what?