Car insurance for provisional license and hopefully soon full license...

bizzylizzy

I wonder if anyone has any ideas that could help my son's situation? He is a learner driver, due to take his test in 3 weeks time. He is most probably buying a car this weekend, and wants to insure it immediately so he can practise in it as much as possible before his test (accompanied of course). So he will be on a provisional license for the first 3 weeks, and then (fingers crossed) on a full one after that. Is there an insurance that will do both?
Money is an issue, so it needs to cost as little as possible. He can't go on our insurance as we are with Motability.
Sorry if this is a daft question, but it's all new to him (and me...)

Diamond78

Im not exactly sure but I asked around about this for myself. I was told by a friend it is possible but it is very very expensive.

sunnyone

bizzylizzy wrote: »

I wonder if anyone has any ideas that could help my son's situation? He is a learner driver, due to take his test in 3 weeks time. He is most probably buying a car this weekend, and wants to insure it immediately so he can practise in it as much as possible before his test (accompanied of course). So he will be on a provisional license for the first 3 weeks, and then (fingers crossed) on a full one after that. Is there an insurance that will do both?
Money is an issue, so it needs to cost as little as possible. He can't go on our insurance as we are with Motability.
Sorry if this is a daft question, but it's all new to him (and me...)

One phonecall to RSA and hes immediatly covered for your mobility car and you can take him off again with another phone call or you could add him as a third driver for a very small amount but if he dose damage your car he will have a higher excess than the £75 standard.

bizzylizzy

sunnyone wrote: »

One phonecall to RSA and hes immediatly covered for your mobility car and you can take him off again with another phone call or you could add him as a third driver for a very small amount but if he dose damage your car he will have a higher excess than the £75 standard.

I don't want him to practise on our car really, it's much bigger than he's used to for a start. But thanks for the advice anyway

[Deleted User]

I hear Quinn Direct will insure learners cheaply but will bump the price up by loads when the learner passes.

BikerEd

We insured my daughter's car with Elephant when she was a learner. 8 months later when she passed her test we were surprised at the size of the extra premium demanded.

basscadette

I was in the same position and was insured by Quinn. I can't fault them really, and my premiums even went down after I changed my learner car. My first insured car was a 1.6i Escort (I know I know) @ £600 then I went down to a 1.3 Hyundai @ £340. SO they're not expensive at all, he'll pay a lot more once he passes with him being a young lad (i'm a late twenties lady)

Mini_Bear

i think a lot depends on the type of car he will buy. i bought a 1.1 saxo and was able to drive provisionally on that for a few weeks, then when i passed my test i called the insurance company and they changed my status it didnt cost anything extra as i had bought a 12 month policy up front. my brother did the same, he had a 1.2 corsa and that had the cheapest insurance. its worth seeing an insurance broker and explaining the situation. i kno they are a dying breed due to the internet but they saved us all a lot of time with our situations.

bizzylizzy

He's planning on buying a 10 year old Ford Fiesta hatchback. I don't know if this is a cheapish insurance or not......

DaveMacD

Why not try searching for insurance on line as though he had passed his test. Should give you an idea of the sort of cash you'll need. It's unfortunate, but it won't be cheap, unless he buys a something with a hairdryer for an engine. Also consider getting him to go for something like PassPlus (if available) as that can sometimes bring premiums down.

mark5

At 17 most insurance companies either refuse to quote or give a silly figure so you will go and look else where. I remember it well.
Directline were cheapest for me but it was 12 years ago now and things change.
My poor dad must have rung about 10-15 insurance companies before he found me insurance at 17.

Goodluck!