Car Insurance - 2nd driver a driving instructor, advice on declared accidents....

Big_Baldy

Quentin wrote: »

Honesty doesn't come into it. Nothing dishonest at all in this money saving tip.

If you add someone on as a named driver at the start of your policy just in case you might need them, not only can it reduce your premium, but doing it this way saves you more money should an emergency arise during the year when adding the driver would cost you the administration fee nearly all companies/brokers impose for making mid term changes on your policy.

Oh definitely, they're vultures for those admin charges.

Sorted anyway, managed to add someone to the quote who is not only has a legitimate interest in occasionally using the car, but also had the driving record/occupation to bring the price down.
Quote down from nearly £1100 to a shade over £800....not earth shattering, but a decent saving nonetheless.

I'd still be interested in hearing about the whole driving instructor thing mind....but then again I'm fairly certain in my head that pupils crashes can't possibly effect personal insurance for the instructor - it just doesn't sound right.

Cheers all.

Big_Baldy

Katie-Kat-Kins wrote: »

Sounds like she isn't that interested in moneysaving if she isn't even prepared to ask a question. You can't force people to moneysave, it is easy to get evangelical about this site and the methods on here, but not everyone feels the same.

It's more like she's nice and meek and quiet, and I'm a stubborn no it all who insists on forcing my knowledge on everyone....not quite Harry Enfield 'you don't wanna do that' mind lol

Cheers all.

Quentin

Big_Baldy wrote: »

Sorted anyway, managed to add someone to the quote who is not only has a legitimate interest in occasionally using the car, but also had the driving record/occupation to bring the price down.

Impress on your friend that she needs to get full disclosure from this named driver of any future driving incidents/claims/convictions/endorsements etc and inform her insurer.

Should she be involved in a large claim they could well check all drivers details to ensure they have all declared everything they were supposed to!

silvercar

The most scariest part of this thread is that a driving instructor has had a series of accidents of pupils under her instruction!

Katie-Kat-Kins

Really?? I think it is inevitable!

Think of all those simple crunches, wing mirrors knocked off, backed into a wall/bollard etc that a learner could have irrespective of the instructor having dual controls.

Also think of the number of hours behind the wheel they have every week.......

raskazz

Katie-Kat-Kins wrote: »

Really?? I think it is inevitable!

Think of all those simple crunches, wing mirrors knocked off, backed into a wall/bollard etc that a learner could have irrespective of the instructor having dual controls.

Also think of the number of hours behind the wheel they have every week.......

Driving tuition policies for Approved Driving Instructors with a good history, lots of NCD and Grade 5 or 6 assessment are surprisingly cheap - often cheaper than standard private car policies for the same details.

The quality of the tutor has a dramatic effect on claims under their tuition policy - their skill as a tutor, the routes they use, their skill using dual controls, the type of clientele they take on etc. all have an effect.