Car insurance for teenagers

tescobabe69

lisyloo wrote: »

Could he consider a motorbike/scooter?
Motorcycling does not seem to have the same insurance issues as cars, plus cheaper fuel.

I would point out that a fool in a car generally survives, a fool on a motorbike usually fares rather badly.

lisyloo

I would point out that a fool in a car generally survives, a fool on a motorbike usually fares rather badly.

True. I certainly wasn't advocating foolishness.

mummyfie

prehaps if you were to share the car , maybe if you were the main driver ... it would be cheaper. my son was 17 when he passed his test last year, the insurance was 1400, this year i`m still listed as a driver but my son is the main one , 1055. (compare the market). ps , he drives a 1200 sri corsa.

lisyloo

maybe if you were the main driver

I'm not making any judgments about anyone's situation but you can only insure as the main driver if you actually are the main driver.
Otherwise it's fraud and called "fronting".
Insurers are very well aware of this in parent/child sitautions and if a parent has two cars insured then they will be suspicious.
The consequences are serious.

That's a comment for general consumption and not aimed at anyone in particular.

mummyfie

very true, but if you are both sharing the car it is a cheaper option. putting the excess up helps as well, although you have to make sure you could pay it if needed.

bouncydog1

But the son is looking to buy and insure a cheap car. If mum/dad already has a vehicle they cannot be the main driver on the son's vehicle can they?

You are advocating fronting the policy in order to obtain insurance at a cheaper price than what should be paid - in other words commit fraud.

It would be an entirely different matter if mum/dad already had a vehicle and wanted to add the son as an occasional driver - however some insurers are now getting wise to this and want the rate for the youngster.

Insurance for young drivers is expensive, because of the level of claims that they have incurred. As always the irresponsible actions of the few impact the ones that act responsibly!

Laughingbear

I tried with him as main driver and then me as main driver.

With him as MD it was £300 cheaper than if i was MD.

I think i've got to look at Micras now. He wanted a Corsa but it seems they are a 'boy racer' car.

Laughingbear

I'm a relative novice on MSE.

Sorry!

lisyloo

very true, but if you are both sharing the car it is a cheaper option.

It depends on how the car is shared.

You can't just choose one to suit you (in general), you have to declare the main driver correctly.
In most cases this is clear (one commutes, one is occassional use).
In a few cases it can be either driver (my husband and I share the same commute and are genuinely 50/50).
In some cases it might not be clear (for example the occassional use is greater than the regular commuter) - in which case the safest thing to do is to ring the insurer and ask for their advice.
But you can't just choose, you have to declere the facts as they are (the exception being genuine 50/50 cases).

matthew111

I have the almost same question. I like the view shared here.