Young Drivers Car Insurance (2004-2005)

JimArnold

LAst year I checked with other insurance companies - no-one else less than £660 (as opposed to £320 with London Victoria) although it was fun calling a couple that offer to beat any existing quote

As London Victoria wouldn't offer the same price to a friend I asked why - they said that policy had been discontinued for new customers but they would honour it for existing clients

Now how about that for an unusual insurance company

This year it has gone up to £340 (fully comp, full no claims etc) for me and 20 year old daughter - and no I didn't bother to ring around

Amba_Gambla

I'm a little older (22), but I knocked over £100 off my quote by adding my mum to it (you don't have to let her drive!) Being female and a good driver (lots of no claims) reduced my premium!

lellie

god.. yeah that makes the insurance on my dad's car cheap..

I was with tesco 18 - learner driver on a 1.6 diesel peugeot 309. was paying about £500 I think..

pity I only used the car about 10 times the whole time I was named - have now gone to uni and stopped learning.

sabelu

Norwich Union direct the best.

Amba_Gambla

sabelu wrote:

Norwich Union direct the best.

I found they were waaaaaaaaaay more expensive for younger drivers....

I used confused.com, and got the best deal with https://www.elephant.co.uk and https://www.admiral.co.uk

none of the bells and whistles (courtesy car, fully comp etc) but very cheap!

lifeisachallenge

Hi, Could anyone tell me what Car would be the cheapest in insurance as my son has just passed... and wanted to buy him a nice, small, new car, which is cheap to run.

Also which insurnace would anyone recommend so I can have him as a second driver..(he's done the PASS PLUS)... that would reliable.

Kind Regards

savvy

Hi lifeisachallengeHope you don't mind, I've moved your thread to this one so that you may find an answer.

thanks
savvy

zzzLazyDaisy

This is the situation. Father was in process of changing his car to a smaller one, so son (18 and just passed test) could drive it too.

Purchase is agreed, though no contract signed as private deal. But last night Dad was caught speeding and it seems likely that he will lose his licence when it gets to court (I know all about the stupidity of speeding, but please, that isn't what this query is about).

What would be the case if he goes ahead with the deal and gets the insurance sorted out now. When he loses his licence, of course he will report it, but will son still be insured to drive the car?

He does not want to put the car in son's name as he will need it when he gets his licence back, and anyway son is planning on buying his own car next year.

Any advice please?

Bossyboots

Thats an interesting question. In theory I cannot see why the son would not be allowed to drive on the policy. The policy would remain in force but would not cover the father if he was to drive the car. It might be worth checking with a couple of insurers to see what their attitude to this would be.

Presumably the dad already has points on his licence and/or was caught speeding excessively if you believe he will lose his licence. This is likely to put a huge whack onto next year's insurance so it is as well that the son is buying his own vehicle next year as that may even out the cost. There seems to be a number of insurers willing to take on convicted drivers and it might be a good idea to do a lot more research of these before making a commitment to buy insurance cover. They may offer a better deal as the pending speeding offence will have to be declared at this stage.

MarkyMarkD

I almost agree with bossy, but obviously it would be necessary to disclose the change of main driver to the insurers and they would likely increase the premium substantially as a result.

And you'd also have to disclose the fact that the father had been banned.

On second thoughts, I would suggest throwing in the towel on the father's insurance policy once he gets banned (assuming that is the case) and then the son insuring the car in his own name from that point onwards. That wouldn't stop the father then starting insurance in the father's name once he regains his licence (but doubtless at a stonking premium) and the son would have the benefit of a period of no claims discount built up.

It's probably worth talking to the father's insurer about the situation, but having already found out how much the son would pay to insure the vehicle in his own name. It clearly isn't worth paying an extra £1,000 on the father's policy, if the son could insure it for £900 in his own right AND earn a year's NCD.