Car ins question

Muscle750

Our daughter has now passed her driving test she is 18. She will hopefully be going to uni in sept and will need a car for deffo then.
Now im wondering cheapest way to get her insurance she has had some quotes shes done herself and most are coming back at big money about £1700 to £2000 for a small 1.3 car ie Fiesta Corsa etcShe has no form of income so i can just about stretch to getting her a car budgeting for a max of £1ooo with T and T etc. Im a mechanic for 30 years so i know what im looking at and im not a tyre kicker.
However im in no postion then to find another £2k for her insurance. So is it possible to put her on my wifes insurance however i know her no claims will be at risk and any idea how i go about it at the moment she is insured with Avivva.
I realise again i might have to go down a multi car policy etc
Any suggestions as to cheapest option?

PNPSUKNET

becarefull as it will be fronting, it may cost a lot but thats insurance due to all these claims these days

lisyloo

So is it possible to put her on my wifes insurance however i know her no claims will be at risk and any idea how i go about it at the moment she is insured with Avivva.

You have to honestly declare the main driver.

oscarward

Another thing to consider is to look if the University will allow 1st years to have a car on campus. My son is at Keele and isn't allowed to for the first year.

adamc260

http://www.endsleigh.co.uk/Motor/Pages/6-month-car-insurance.aspx?agent=09922

May be worth looking at. Its a special student policy so you earn 1 years NCB in just 6 months so should help bring the price down

bouncydog1

Are you considering putting her on your wife's policy to drive your wife's car on an occasional basis? You may be surprised what the insurers will want in premium as many will simply rate on your daughter's age.

A multi car policy will also be based on your daughters age and experience and you can only use the existing discount on one vehicle. Please don't consider not telling insurers the true position - i.e. your daughter will be the main driver. If you/your wife front a policy for her and there is an accident, insurers will not pay the damage to the vehicle and worse, may choose to come after you/your wife as the insured for anything they pay out to a third party which could be £ms. Is the possibility of losing your home worth more than £2k in insurance?

The rates she is being quoted are quite low for teenage drivers - the quotes depend on where you live etc. The point about 1st years having cars is well made - Bath don't allow first years to have cars - and if they are living on campus they don't need them.

All of the Unis that we have looked at have good transport links - get a railcard, bus card etc and make sure your daughter takes advantage of all the student discounts to keep costs down. If your daughter is planning on living at home then she will miss out on a major part of the Uni experience that comes with Uni living.

You could then always add her as a temporary driver on your wife's policy for the holidays.

The final thing to remember is that insurers rate their premiums on risk not what you as an individual want or are prepared to pay for insurance. The pool of insurers for young drivers is steadily reducing so the ones that are left have to charge higher premiums as they have more drivers in this bracket, which statistically have a lot of accidents!