Young trainee drivers and insurance

duncans-mum_2

would it not be cheaper not putting her on your insurance and using that extra money for driving lessons with an instructor. Maybe when she has passed her test, she may then be in a position to buy a little run around. It also depends on what car you have. If it is in a high insurance group, then adding a learner driver on it is a high risk for the insurance companies, and therefore the premium goes through the roof.

cosworth_monkey

Hello Verbatim,

Seeing as you are all going to use the same car its a pretty easy solution.

You need to add your daughter as a named driver on your policy, whilst she is learning the cost of this is going to be massive. My suggestion is that you find a private bit of land and practise there with her. That way she does not need to be insured on your car (You just drive to and from where ever it is)

The thing about driving i found is that when you are confident with it, it becomes second nature, and then its just a case of "learning the way to pass a test"

When she has passed add her as a named driver on you policy. Also get her to take a Pass Plus course, this will knock about 25% off the premium.

At a guess i'd say that you should be paying no more than £500-£600 more a year on your policy.

Shop around at brokers too, that may help!

Good luck to her and yourself

Alex

Queen_B_3

I wouldn't bother adding her as the cost is just going to be ridiculous. Has she not got a part time job so she can maybe start to save for a car or some money to put towards the insurance if she was to go on yours.

You'll find that until she passes her test insurance for provisionals is very high. Maybe the extra money would be better spent on more lessons to get her passed?

Me_Myself_2

My experience was difference to the last two posters. I was told that it's cheaper to insure her as a learner driver because it is you the co-driver who is in charge. If you think she'll pass quickly, insure her now as the premium will go up after!

pudding06

My experience was difference to the last two posters. I was told that it's cheaper to insure her as a learner driver because it is you the co-driver who is in charge. If you think she'll pass quickly, insure her now as the premium will go up after

!

I had my sons insured as learner drivers as it was cheaper becuase they would always have to be supervised and therefore were deemed to be a better risk. I was put on their policy as a named driver which made it much cheaper but was still over £1400 because theyre male. Girls get far lower quotes.

If and when you can afford it get them insured in their own right so they get NCD. I havent any experience of the companies which say that named drivers can build up their own ncd.

good luck I know its a nightmare trying to get them through tests and insured etc. Ive got 2 down 2 to go!!!!

pudds

Verbatim

Thanks again everyone.

Any money she can save from odd babysitting etc between now and September will be for use while she's at Uni! I don't want her to have the expense of a car until she could afford it.

Direct line sounds worth a go. Thanks for the suggestion.

Our car is a VW Golf S reg so not high performance LOL.