Teenage car insurance

puddy

whats wrong with a scooter

Hadrian

£5000 a year to insure a teenage driver? I consider that cheap!

KierNet

Stigy wrote: »

If you want it cheaper still, it might be worth you insuring the car in your name, and having your Daughter as a named driver, just make sure you tell the insurers she'll be using the car on a daily basis. Just in case there's some sort of clause in the policy.

If the daughter is the main driver (IE does 51% of the driving), she can not be put down as a named driver, this is fronting, and if there is a crash, the insurance company may not pay out, then there is the chance of them saying you aren't insured, which won't be fun if/when the Police get involved, plus she won't be getting her no claims, so will always be expensive for her to insure a car.

Might seem like a good idea at the time to get cheap insurance, but crash and kill someone and it costs around £1,000,000 for everything, your insurance company will want to find any reason not to pay out.

If you want more info, Google 'Fronting'.

Try doing all the comparison sites, mess around with the miles, try fully comp and third party, third party fire and theft, often cheaper to go fully comp.

Again, it doesn't matter if the car is only worth £1,500, £400 or £40,000, you can still kill someone (or disable someone...which could cost anything up to £250k a year to look after them!).

Try putting yourself as a named driver, my mum saved me £100 the first time (not that much, but I was only paying £800 at the time), however this year she put it up £2.

Have you already got the car? Might be worth looking at getting another one if you haven't.

janninew

Not that I'm suggesting fronting as an idea, but it must be a hard thing for the insurance company to prove if you had been doing it and needed to claim! What kind of evidence would they be required to have as reason not to pay and how would they get it? I've always wondered this!

KierNet

janninew wrote: »

Not that I'm suggesting fronting as an idea, but it must be a hard thing for the insurance company to prove if you had been doing it and needed to claim! What kind of evidence would they be required to have as reason not to pay and how would they get it? I've always wondered this!

Not too difficult to find out, don't want to say too much on here.

And of course, how often do you see a middle aged women driving a modified car? Big wheels, lowered etc.

Jeff_Bridges_hair

http://www.moneynews.co.uk/5673/admiral-insurance-reduces-premiums-for-black-box-users/

Investigate in these monitoring devices.. This should help get it down a bit