Insurance for 17yr old provisional driver

Hadrian

"...........will restrict the driving on them to say, over 25's". (See Antispams No. 11. above). I wonder why?

DCFC79

I wouldnt learn in a people carrier well i know i couldn't have driven in a people carrier when i was learning. I found getting practice in a car of similar size to what i was having lessons in was best as I was more comfortable with the size of the car.

olly300

DCFC79 wrote: »

I wouldnt learn in a people carrier well i know i couldn't have driven in a people carrier when i was learning. I found getting practice in a car of similar size to what i was having lessons in was best as I was more comfortable with the size of the car.

I've met people who learnt to drive in large cars as well as their instructors small car, and this gave them the ability to drive all cars without difficulty as soon as they past their test.

In some situations this is useful particularly in a family situation where the young adult can get insurance on the family car.

olly300

Hadrian wrote: »

"...........will restrict the driving on them to say, over 25's". (See Antispams No. 11. above). I wonder why?

Have a look at the other thread you posted on.

bouncydog1

Antispam wrote: »

I never said it wasn't but insurance will be void if its insured under parents name and she is main driver

I think there is a little confusion here - the insurance will only be void if the parents do not tell the insurers that the young driver is the main driver. If they tell the insurer then the insurer will rate the insurance on the young drivers age/experience, provided that it is a vehicle the insurer is prepared to give cover on for that young driver. As far as I am aware there is nothing in law to state that parents cannot insure a vehicle in their name for their youngster to drive, but they are required to disclose material facts to the insurer.

The insurance can be voided if it is insured under the parents name and they don't tell the insurer, but the insurer also has the option of continuing the cover and collecting the proper premium for the risk. It will alll depend on the circumstances that led to the "fronting". If it is a blatant attempt to deceive to obtain the cover at less than the correct premium, then you will find that the insurer will indeed void the policy.

pineapple123

Hi mike, I have just been though this with my 17 year old.
(1) Should I buy the car in my name or hers? Doesnt make any difference but if in your name you could be accountable for parking tixs/speeding fines etc.
(2) What is the best way to insure it - in my name with her as a named driver, in her name, using provisional driver insurance, normal 3rd party or fully comp. etc?..If you insure it with her as named driver and you as main driver its known as fronting and illegal also she would not build up her own NCD
(3) Should the answers to (1) and (2) change when she passes her test? I would keep the insurance details the same or it will cost you more.

My daughter got a 1000cc car on her provisional, her as owner , got insurance via admiral , she as main driver me as named driver which reduced premium alot, also things to factor in to reduce premium - parking overnight amount of miles, policy excess.added benefit is I can drive her car at times.
Insurance from provisional to full lic increased by approx £200.
decided to get full comp as car worth £1500. but if car worth less than this I probably would have gone TPFT.
Daughter passed test 1st time and I felt less stressed about her driving as she had experience in her car with me next to her before she went off on her own.
Did not like 10 month bonus thing they offer as others have said if you change insurance company after this time others may not see 1 years driving for NCD or 1 year since passing test, so felt not worth it.
Hope this info helps.
and thanks again everyone who contribute on these forums.

michael_souris_3

iamana1ias wrote: »

No, actually. Your questions were the same questions that everyone seems to ask.

And yet so many people have positive answers to contribute...
Never mind, we won't detain you here, I believe that you have a meeting of the Nation Union of Trolls, Minor Officials & Traffic Wardens to address.

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I don't think they're a troll, I just think they're genuinely annoyed that you don't seem to have searched the forum for answers which are already there. Yes a lot of kind and patient people have replied. That doesn't make you any less annoying.

michael_souris_3

Antispam wrote: »

I never said it wasn't but insurance will be void if its insured under parents name and she is main driver

I had assumed that because as a provisional driver she could only drive it with me present, and I would be doing a few miles on my own, she could not possibly be seen as the main driver.
I do understand your point, though, so I made it clear to Quinn when seeking quotes what the situation would be. They quoted approx £40 more for her as the main driver, which is worth paying for her to build up her own NCD. (I wasn't transferring my NCD).
Thanks again Antispam & bouncyd!!!, your comments are appreciated.

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michael_souris wrote: »

They quoted approx £40 more for her as the main driver, which is worth paying for her to build up her own NCD. (I wasn't transferring my NCD).

Are you talking about her being the policyholder or the main driver? They can be two radically different things. Generally speaking the policyholder builds up the NCD irrespective of who the main driver is.

The absolute cheapest way of insuring a vehicle for a young driver is to use any NCD you have where it is of most value to you and then re-insure the vehicle where the NCD has come from without any NCD - that's if you're getting a second or third car. Chances are someone will be able to duplicate/enhance/mirror your NCD if you and your wife are as clean as you claim.

But a policy in your name or your wife's name won't build up NCD for your daughter, just a named driving "experience".