Young Drivers Car Insurance (2004-2005)

Curry_Queen

maclean2 wrote:

Try
www.liverpoolvictoria.co.uk

They are usually among the cheapest when adding 17 year old to parents policy.However they are not cheap any more for a policy in the name of a 17 year old.

You're not joking!!! :eek:

I just ran a quote for insurance in my name and 17yr old son as additional driver on a 10yr old Vauxhall Corsa and it came back at just over £400, but with him as main driver and me as additional it was over £2000 :eek:

I'm sure I've read somewhere that if a parent was to insure a car and have son/daughter as named driver that the NCB can be transferred at the end of the first year so they can then insure a car in their own name. Does anyone know if this is true?

Iona_Penny

As she is only just on a provisional licence then I disput the suggestion to buy her own car and insurance at the moment. You will then be paying insurance for the car to sit, at generous estimates, for 22 hours per day, 7 days a week.

Was the £1000 to add her as a named driver? I have had two seventeen year olds added to my policy, my own son cost about £400 for 6 months and friends daughter (not at same time!) about half this!! I think your initial problem is that if I remember rightly More Than only insure older drivers as a rule and this could be part of the problem.

Strangely insurance companies often ask for how long the licence has been held and not if it provisional/full.

p.s. If you go down the 'getting a car for her' I think you need the smallest engine you can get and Tesco was nowhere near the cheapest (N.U. for son)so shop around. Lots of advice on here.

rdwarr

Iona_Penny wrote:

As she is only just on a provisional licence then I disput the suggestion to buy her own car and insurance at the moment. You will then be paying insurance for the car to sit, at generous estimates, for 22 hours per day, 7 days a week.

It still worked out cheaper for us. I wonder just how many cars are on the road for more than two hours per day? On average, none of ours is.

larmy16

I seem to remember Elephant being pretty reasonable when my ds was learning to drive in my car.

He is now an additional driver and pays about £600.00 per year. Good for him, but the amount it is costing me in clipped and cracked lights is not!!

PS. Before I could drive, I bought a clunker car, taxed, mot, and insurance just to practice in. Would not do it again - v. expensive for the amount I got to practise, but this may not be your situation I appreciate

Iona_Penny

Yes rdwarr I agree with the amount of time our cars are actually driven, but you can jump in, and off you go.
A learner has to wait to be supervised, and as we all know the premiums are enourmous compared to us older drivers, that's all. So its a greater sum sat idle, she is not committed to needing the car for commuting etc. Just thought it was worth consideration when deciding what to do.

Curry_Queen

Iona_Penny wrote:

Strangely insurance companies often ask for how long the licence has been held and not if it provisional/full.

I noticed this too when looking around for a few quotes, most of which came back around the £400-£500 mark, so I wondered if this was a realistic quote or whether if you actually take out an insurance policy and fill in all the extra details, would that quote then leap up by a few hundred once it is established the 17 yr old is on a provisional licence rather than full?

savvy

Hi Paly, have moved your thread here to aid in your query and to help future searches.
thanks
savvy

supermum1958

I insured my 18-year-old just-passed daughter as an additional driver on our really quite nippy two-litre peugeot diesel. The cost is £800 or so with Liverpool Victoria, which I consider quite reasonable. If you are able to get the Civil Service Motoring Association discount of 10 per cent on top, that gets it down further. They also, I believe, give discounts for RSPB membership. Worth asking. Once she gets her own car, they offer one year's no claims discount on the basis of having been on my policy. And I have always found them very pleasant and helpful to deal with. Recommend.

MarkyMarkD

nads wrote:

Hi,
I think you should spent a lot of time at http://www.insuresupermarket.com seeing what combination works best e.g. You as the main driver or your daughter.

Curry_Queen wrote:

You're not joking!!! :eek:

I just ran a quote for insurance in my name and 17yr old son as additional driver on a 10yr old Vauxhall Corsa and it came back at just over £400, but with him as main driver and me as additional it was over £2000 :eek:

I'm sure I've read somewhere that if a parent was to insure a car and have son/daughter as named driver that the NCB can be transferred at the end of the first year so they can then insure a car in their own name. Does anyone know if this is true?

No, No, No, No, No!!!

Whether you insure you as the main driver and your child as an additional driver, or your child as the main driver and yourself as an additional driver is not a choice or an option - it's a statement of fact.

Pretending (aka lying) that you are the main driver when it is in fact your child's car is FRAUD and is stupid.

There's no point "comparing the options" as nads suggests - either they are the main driver, or you are. FACT not CHOICE.

And no, Curry, you can't pretend the child is an additional driver for one year and then give them the NCD at the end of the year, either. But if they were genuinely an additional driver on someone else's policy, some (but not many) insurers would give them some form of introductory NCD. I hope that is what you were suggesting.

impy78

zzzLazyDaisy wrote:

Thanks for your thoughts on this.

The son cannot insure the car himself as Dad is the registered owner, and therefore the car must be insured in his name with the son as named driver (this is according to the insurance company).

Dad doesn't particularly want to put car in son's name, only to have to transfer it back later (and what is to stop son selling it, not that he would, but it would then legally be his car to do as he likes with).

Still thinking about this one.

It is possible to find a policy where policyholder is not the registered keeper - for instance, there are policies where registered keeper is a business, if the car is on hire purchase for example. Itsn't easy though.

What you SHOULD be able to though is to have the father as the policyholder, but the son as the regular driver. The policyholder does not have to be named as a driver, as long as he lives at the same address as the regular driver.