Young trainee drivers and insurance

Verbatim

My daughter is 17, nearly 18 and has had enough driving lessons to want to practise with me :eek:

The insurance quotes I've had to allow this have been astronomical! Has anyone got any ideas .... I have good "no claims".

Any suggestions gratefully received.

La_Tristesse_Durera

I'm not sure if this is much help to you but hopefully it is. Have you tried elephant.co.uk? I got a fantastic deal because I added my Mum to the insurance policy.

Basically:
Me, 21, male, 0 No Claims, 3 litre turbocharged & chipped car = £2000ish
Added my Mum to the insurance policy as a named driver and it slashed it to £700!!

Like I said it might not be a help for you, but certainly worth having a look. Also, depending on how many cars you have in the household, Direct Line give you extra discounts for every extra car that you insure

Certainly give elephant.co.uk a go
Or try confused.com

:beer:

seaside_sid

I was in the same situation a year ago and did some shopping around, after several ridiculous quotes I found Tesco to be the most reasonable. It still cost an extra £50 per month over and above what I had been paying. I think you have to accept the fact it is going to cost you.

You may find more help on this subject on the insurance & life assurance forum. Do a search on the chat forum for learner drivers insurance to find lots of posts on this subject.

rog2

When our daughter was learning to drive we took out a TPF&T policy, in her name, with my wife as named driver. I remember that it was quite expensive (about £700) 10 years ago, but it did allow her to build up her own no claims bonus - and protected my wife's.

CLAPTON

it might be cheaper to buy another car

crawley_girl

I have my friend who is 22 and only holds his provisional license. I whacked him on my policy as a named driver and my policy rose by a whole £33 for the remainding 10 months. I am with Lloyds TSB. I have 10 yrs NCD

Another friend tried to do the same but Tesco wouldn't allow the learner driver to put on the policy. Not sure why.

:heartpuls CG :heartpuls

james32_uk

OMG this is so easy. Assuming you or your OH have a clean license and no claims then you can knock £100s off just by adding you as a named driver. Easy!

happygal_3

Get your daughter to save up for an old banger and then get her own insurance with you or mum as named drivers.

No point having a decent car while learning and your car and NCD will be safe.

Verbatim

Thanks to everyone for all the suggestions.

La Tristesse Durera

I'm sorry but I can't get my thanks button to work on your post.

My OH and I have only one car and an insurance quote of around £325 for the year. If we add our daughter it increases four fold! She is in her last year at school and is in no position to buy any sort of car.

I'll have a look at the insurance threads but it looks as if she won't be practising with us any time soon!

misfire

Yep i got an old car and insured it for a year on provisional license (all told 700 GBP - inc 6 months tax) it worked well for me as i did get lots of practice in my car before my test and due to me giving up when i failed tests (did it 3 times longest gap of giving up....8 years!) i needed an insentive to keep going if i failed. Doing it this way also ment i had a fully taxed, mot'd and insured car to use as soon as i passed my test which i did about 4 months taking into consideration that i had christmas and the 'wait' for the test in that time!.

If she hasnt already get her to have taken her hazzard perception and theory test before she starts lessons. I have a friend who cant pass the theory - so has given up lessons although she was at test standard on the driving. if she had done the theory first she wouldnt have paid out for lessons and then not be able to do the practical driving test.

Me_Myself_2

Just iinsured a 1.2L car for me o/h and 17 yr old daughter. 40% NCD = £500. Direct line - far and away the cheapest.