Car insurance for 17 year old

mikey72

Quentin wrote: »

Not correct these days.

eg Morethan will not only let you use 1 lot of NCD on another car, they will also give an extra discount if you add on a second car.

Where does it say that? It's exactly what I need.
I have had offers of an introductory discount matching my no claims from several people, but no one will let me actually let me use the same no claims twice, then give me a written statement I can use elsewhere.

Quentin

mikey72 wrote: »

Where does it say that? It's exactly what I need.

Check out the morethan website.

Insure a second car with us and you can duplicate your No Claim Bonus and get an additional discount

Morethan must cover both cars of course!

mikey72

Quentin wrote: »

Check out the morethan website.



Morethan must cover both cars of course!

Right, so it's the standard offer I get off them all, it's a discount off the premium, if I insure a second car with them, rather than actually them accepting the NCD twice, if I've already used the NCD somewhere else, and they then don't give me a second NCD to use elsewhere if I move.
Most insurance companies will do this offer.

Quentin

No - some companies do give you a discount off the premium for insuring 2 cars. Morethan do that AND mirror your NCD on the additional car.

A local broker should be able to get you an introductory discount to reflect the NCD you already have too.

mikey72

I must be missing something, I've always used to have a discount equal to whatever years no claims I had on the first car if I insure a second car with the same insurer, which sounds like morethans offer. But no insurance company have ever given me two seperate no claims without paying the premium and keeping seperate insurance for the applicable years to accrue it.
Are you saying if I insure two cars with morethan for a year, I will than have two seperate ncd, where a claim on one car wouldn't affect the other. If the answer is yes, than fair enough. If no, I would say it's just a discount like all the rest.

I use a broker, and they negotiated a good deal for me, with two companies, and based on two policies, I now have two totally seperate ncd that I have on two different cars with the two companies accrued by having two seperate policies for several years, hence a claim on one doesn't reduce the ncd on the other.

darich

mikey72 wrote: »

I must be missing something, I've always used to have a discount equal to whatever years no claims I had on the first car if I insure a second car with the same insurer, which sounds like morethans offer. But no insurance company have ever given me two seperate no claims without paying the premium and keeping seperate insurance for the applicable years to accrue it.
Are you saying if I insure two cars with morethan for a year, I will than have two seperate ncd, where a claim on one car wouldn't affect the other. If the answer is yes, than fair enough. If no, I would say it's just a discount like all the rest.

I use a broker, and they negotiated a good deal for me, with two companies, and based on two policies, I now have two totally seperate ncd that I have on two different cars with the two companies accrued by having two seperate policies for several years, hence a claim on one doesn't reduce the ncd on the other.

I was quoted on my main car with a weekend car as a "toy". The NCD from my main car (Celica) was mirrored onto the weekend car (TVR). It wasn't morethan but I can't remember who it was - it might have been elephant or esure.
The point is that NCD can be used on two cars if both are insured by the same company. However, if you make a claim on either car then the NCD is shot for both cars.

EDIT: I don't think you can have two seperate NCDs running. If you make a claim then by definition you cannot have NCD that isn't affected.

mikey72

darich wrote: »

I was quoted on my main car with a weekend car as a "toy". The NCD from my main car (Celica) was mirrored onto the weekend car (TVR). It wasn't morethan but I can't remember who it was - it might have been elephant or esure.
The point is that NCD can be used on two cars if both are insured by the same company. However, if you make a claim on either car then the NCD is shot for both cars.

EDIT: I don't think you can have two seperate NCDs running. If you make a claim then by definition you cannot have NCD that isn't affected.

Quite agree with you, (apart from the edit bit, I will have to declare I've had an accident to all if I have one, but I'll only affect the ncd I claim off, there won't be a claim on the other one, and at the end of the year one proof of no claim will have gone up by one, the other will have dropped by three)

darich

mikey72 wrote: »

Quite agree with you, (apart from the edit bit, I will have to declare I've had an accident to all if I have one, but I'll only affect the ncd I claim off, there won't be a claim on the other one, and at the end of the year one proof of no claim will have gone up by one, the other will have dropped by three)

The NCD may have gone up on the unclaimed policy but so will the premium because after an accident you're perceived to be a higher risk. you may gain another year's NCD but your premium will also increase as a result of the claim on the other NCD.

That's what I meant in my other post although worded it badly.

bouncydog1

Also be aware that when your son passes his test some, not all, insurers require an additional premium as your son will then be driving on his own and in their view, is a greater risk. Use a broker and ask the question.

If you wish to buy cover for him to drive your family vehicle, without putting your bonus at risk, provisional marmalade provide a policy for about £80 per month. Although this might appear expensive, if he is only going to use your vehicle for a couple of months before taking his test, £160 may be cheaper than risking losing some or all of your no claims bonus.

Best option if you have bought another vehicle is to insure it in his name and let him start earning his own bonus. Don't go down the fronting route as if he is involved in an accident, the insurance will be invalid, and anything paid out by insurers e.g. third party damage, they are likely to try to recover from you.

an1179

Notlob wrote: »

Thanks again for the replies.

Qoute - appreciate the links. Having just read through the first two, it is interesting to note the amounts being bantered about. £2,000 - £3,000. I went on comparison sites Confused and Gocompare and for comparison obtained quotes for me as main driver and son as named driver, as well as the other way round. Both came up with a number of insurers quoting around £1,500, but there was no difference to who is main and who is named. Interestingly, Confused had one from Admiral quoting just over £800 with me as main but when putting son as main, Quinn Direct popped up quoting £950.

Oscar, your assumption is correct.

I've just been down the insurance route with my DD who just turned 17, the Insurance is in her name as the car is registered to her. Myself and OH both have use of a car. We went with Admiral after using gocompare and moneysupermarket to compare quotes.

When you get your quotes, you should also check what the premium would be when they have a full licence (just do the same quote but put full instead of privisional). The cheapest with a Provisional Licence may not be so when DS has a Full Licence. The premium does go up when you notify the Insurance that DS has passed test as then will be driving unsupervised. - as I was advised by my Insurance Adviser. One of the companies also told me that the sooner they passed their test after 17 the higher the increase in premium would be due to inexperience