Young Drivers Car Insurance (2004-2005)

Curry_Queen

You appear to be jumping to rather a lot of conclusions here! :rolleyes:

MarkyMarkD wrote:

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.

Well that all depends on whether they are driving their own car or mine doesn't it! Surely it's no crime to consider all the options available and go along with the cheapest [legal] solution???

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.

Again, you are suggesting that I might be trying underhand tactics, which I strongly object to, when in fact some insurers do offer a new insurer some discount when they have been a named driver on another policy previously, as confirmed by my opwn insurance company.

As the case may be, my insurers won't insure him on my current policy anyway due to his age, and I would lose a year's NCB by switching right now, so he is going to take out his own policy in his own name now.

dean2230

Try this little belter my lad has just saved £240 on his renewal from Sainsbury's with one years no claims at 19 years of age.

swiftcover.com

mutley_UK

Tried loads of insurance companies to get my 17 year old (provisional license holder) insured as a second driver on my policy but every one was coming back at over £1000. Tesco was the cheapest at £880 until I tried Liverpool Victoria that came back at £520. Thats on a 1.4 peugeot diesel with me having a full no claims discount.

Curry_Queen

I've figured out that it doesn't really save much money by putting young/provisional drivers on your own policy, and if they have insurance in their own name they will benefit from NCB and reduce their costs substantially year on year.

Whilst doing a bit of checking around today, I've also learned that the AA offer a 35% reduction for young drivers who pass their Pass Plus with their instructors (although I'm not sure how competitive they are on general insurance rates) but most insurance companies will generally offer a 20% discount anyway.

Something else I found rather weird too is that some quotes were coming back more expensive for a 17 yr old with a full license as opposed to holding a provisional license!!!

And before anyone jumps on me for that, we are not considering lying to the insurance company but were doing comparisons to find out whether it's worth him getting his car insured now or waiting until he has passed his test. Either way he won't be driving it until he's fully insured.

SKIPPY

The cheapest I've found so far is Liverpool Victoria £980 third party only for a 17 yrs old on a provisional licence driving a fiat cinquecento! If anyone knows of anywhere cheaper I'd love to hear from you. That's insuring him in his own name. I tried to insure my son on my car insurance and they wanted £1,500 until the renewal date which is 6 months albeit on a 1.4 rover 200. The reason some quotes come back more expensive for a 17 year old on a full licence is because they are more of a risk when they've past their test. When they're on a provisional licence, they've always got a full licence holder with them, at least they should have!

patchg1

What is the best/cheapest way to get my 17year old daugther insured to drive her own car or the family car? Is it better for her to get her own insurance or to go on mine? If so how do I protect my NCD?

foxhaven

She would probably find it very difficult to get insurance in her own right and even if she does find a company to accept her,the premium would no doubt be astronomic. So if the company you're insured with is prepared to accept her as the other named driver then that's the cheapest route but it will still hoist your premiums if you're honest with them. Look at the small print in your policy document and that will answer your question regarding NCD protection. But it's still worth talking to your insurance company about it.

flea72

its cheaper and more beneficial to your daughter to get insurance in her own name, preferably before she passes her driving test, as its cheaper to insure a car whilst learning, than it is for a newly qualified driver.

ive always found Diamond to be best for young, female drivers.

maclean2

Hi - agree that to get her own car and insurance is the best route.Keep to a 1 litre car say 10 years old.Once she passes her test arrange for Pass Plus course of 6 further lessons covering night/motorway/bad weather driving as this can mean a 30% insurance discount as well as sharpening up points not covered by normal test.

Best quotes from companies like churchill direct line privilege and tesco but you will need to ring them as they don't volunteer Pass Plus in their quotation questions.Also Provident Insurance only available via brokers give decent Pass Plus discounts.Try them via dna insurance.Your daughter can take out the policy before passing the test and get a refund for the pass plus discount once she completes the 6 lessons.Price could be in 3 figures if you live in a fairly rural area.Oh and go for TPFT insurance.

Happy motoring !

flang

One thing i must point out.
Get a quote first without a pass plus.
I did this and found out that even with a pass plus it would only save me £100, so I didnt bother as taking the test cost more then £100