car ins for a 17yr old

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mikey72 wrote: »

Speak for yourself.
My 17 year old daughter's got a car she bought, taxes, insures, changes the oil and filter, does the ball joints, track rod ends, brakes, thermostat etc etc.
I'll help if she can't move the breaker bar though.
She's gone off to college in the snow after digging it out herself this morning.

Good for her, I admire her, shame there wasn't more like her.:T

iamana1ias

atrixblue.-MFR-. wrote: »

by insurance standards if you are the "registered keeper" then you have to be the main policy holder, if you are not the reg keeper but main driver and policy holder and your insurance company checks you and named driver details against the vehicle, then your insurance may become void (after them contacting you ofcourse) because of ownership-main driver issues. i have seen this happen to a few people, mainly after being pulled for no insurance as it was revoked. i know it sounds harmless to put a reg keeper on as a named driver as its cheaper but it does go against insurance terms and cons! and they do check!! be wary those that are doing it, if they write to you saying xyz is registered keeper and is a named driver on xyz policy this is against our terms and cons can you contact us, DO SO as they will stop cover!!.

Utter, utter tosh.

There would be tens/hundreds of thousands of lease cars being drivien without insurance if this were the case.

atrixblue.-MFR-.

mikey72 wrote: »

Speak for yourself.
My 17 year old daughter's got a car she bought, taxes, insures, changes the oil and filter, does the ball joints, track rod ends, brakes, thermostat etc etc.
I'll help if she can't move the breaker bar though.
She's gone off to college in the snow after digging it out herself this morning.

c'mon the majority of parents these days dont bother considdering sitting next to them, pay for allmost everything.

im not slating those who do it i see it as being a resposorble parent.
if there were more people who considdered these IMO it would lower that risk factor slightly, as most will agree the learning begins after you pass your test.

She's gone off to college in the snow after digging it out herself this morning. if the snows that deep she had to dig it out then why drive again driving in the snow hightens the risk of an accident, if my daughter was of driving age, and picked the keys up went outside and had to dig her car out id question that decision to drive and either not go into college, or catch a public transport.

again ill commend your daughter can do the what you posted, but the decision to drive in adverse weather conditions your proud of?

atrixblue.-MFR-.

iamana1ias wrote: »

Utter, utter tosh.

There would be tens/hundreds of thousands of lease cars being drivien without insurance if this were the case.

leasing or renting a car van etc is different to domestic insurance. its not utter tosh call your insurance company and ask them about it! youll find i am right just take a look at your policy.

iamana1ias

atrixblue.-MFR-. wrote: »

leasing or renting a car van etc is different to domestic insurance. its not utter tosh call your insurance company and ask them about it! youll find i am right just take a look at your policy.

Funny that. I used to work for a major insurer and it wasn't an issue then (as long as it was declared) and my own insurer doesn't have an issue with it now. My partner and I have 3 cars between us and only one is insured with the registered keeper as the main driver. All declared and all fine (and 1 policy has paid a claim on that basis).

So you're talking carp.

atrixblue.-MFR-.

Owner and Registered keeper
The owner and the registered keeper of a vehicle are not always the same person. If a parent buys a car in their own name so that their teenager can drive it, the parent would be the owner and the teenager the registered keeper. The registered keeper is responsible for licensing the vehicle and declaring it off the road; and any enquiries from the police and other enforcement agencies regarding motoring and parking offences will be directed to them. Some companies might not be willing to provide car insurance for a vehicle whose owner is not the registered keeper.

mikey72

atrixblue.-MFR-. wrote: »

c'mon the majority of parents these days dont bother considdering sitting next to them, pay for allmost everything.

im not slating those who do it i see it as being a resposorble parent.
if there were more people who considdered these IMO it would lower that risk factor slightly, as most will agree the learning begins after you pass your test.

She's gone off to college in the snow after digging it out herself this morning. if the snows that deep she had to dig it out then why drive again driving in the snow hightens the risk of an accident, if my daughter was of driving age, and picked the keys up went outside and had to dig her car out id question that decision to drive and either not go into college, or catch a public transport.

again ill commend your daughter can do the what you posted, but the decision to drive in adverse weather conditions your proud of?

Very proud of her in fact.

Far too many "older" adults nowadys spend their time thinking how bad kids have made everything, how they all get everythiing done for them, without actullaly looking at what most of them really do.
It appears to be a good bandwagon for some.

She went because she is responsible. She had a look at the sideroad we live in, looked at the gritted mainroad, checked the weather forcast, and decided to go. She'll decide to come home if it's bad there as well, or stay if it's ok. And yes, she took my advice and I agreed with her.
Bit the same as eveyone else does when they have responsibilities. Or do you think she should just give up if it involves a bit of work, and get her dad to take her in? The public transport left for the day at 8.00 am.

iamana1ias

atrixblue.-MFR-. wrote: »

Owner and Registered keeper
The owner and the registered keeper of a vehicle are not always the same person. If a parent buys a car in their own name so that their teenager can drive it, the parent would be the owner and the teenager the registered keeper. The registered keeper is responsible for licensing the vehicle and declaring it off the road; and any enquiries from the police and other enforcement agencies regarding motoring and parking offences will be directed to them. Some companies might not be willing to provide car insurance for a vehicle whose owner is not the registered keeper.

Quote your source, please.

And it says 'some' and 'might'. You appear to read that as 'all' and 'won't', which is wrong (as I've clearly shown).

(Insurers are often funny about parent/child ownership and insurance, which again is different to partner ownership. There's a legal entity between spouses that does not exist between parents and children that can make claim payments difficult in non-spousal situations. )

atrixblue.-MFR-.

http://www.tescocompare.com/car/jargon-buster.shtml my source

flyingscotno1

I have to admit I found it very difficult to get insurance on a car that I wasn't registered keeper. We got round it by switching the keepers for a year or so.